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

I am writing to dispute several accounts that appear on my credit report which I do not recognize. I have carefully reviewed my report and found several accounts marked as negative that I neither opened nor authorized. I believe these accounts may be the result of potential fraud or an error in the credit report.

Disputed Accounts : 1.Creditor Name : XXXX Account Number : XXXX Balance : {$960.00} Date Opened : XX/XX/XXXX 2.Creditor Name : XXXX XXXX Account Number : XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX 3.Creditor Name : XXXX  Account Number : XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX 4.Creditor Name : XXXX Account Number : XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX 5.Creditor Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Balance : {$400.00} Date Opened : XX/XX/XXXX 6.Creditor Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX 7.Creditor Name : XXXX XXXX ( Original Creditor : XXXX  ) Account Number : XXXX Balance : {$340.00} Date Opened : XX/XX/XXXX 8.Creditor Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX Balance : {$150.00} Date Opened : XX/XX/XXXX 9.Creditor Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) - Account Number : XXXX Balance : {$200.00} Date Opened : XX/XX/XXXX
Product: Prepaid card

I use this rush card for my direct deposits or work and I can use it to put other money on this card so I decided to put my income taxes on it this started on XX/XX/XXXX when my Federal was sent to my card got my money that day. went to bed it is XX/XX/XXXX that 's when my money was gone XXXX of it called the card hysterical wanting to no what happen to my money they said everything will b all rite and they will get to the bottom of this they sent me a form with what I told them and about two weeks later they said they found no error and that was it I have a police report as well and they are still looking into it I need more help I hope you guys can
Product: Bank account or service

On XXXX/XXXX/15 I opened a XXXX checking account with an offer stating I would receive XXXX XXXX miles ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX XXXX miles to be deposited into my account by XXXX XXXX, 2015. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at the end of XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from SEVEN months ago showing the offer. I do n't keep mail around for seven months, and NOTHING was ever said over the past 7 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting {$500.00} worth of XXXX XXXX. I 'm not alone. XXXX of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX response to my initial complaint is insufficient and did not address the issue. I was not informed of an outstanding balance being a {$620.00} Wear & Tear fee at the time of leasing another XXXX vehicle. I was informed there was a Wear & Tear fee that was taken care of by the Hyundai XXXX dealership and that was it. Once informed via letter in XX/XX/2017 about a {$620.00} Wear and Tear fee, I immediately called the dealership to inquire why this fee was not paid and was assured by them it was handled. I then called XXXX to inform them that, again, the dealership paid because the dealership continuously told me it was paid. I did my due diligence in trying to remedy this issue multiple times between XXXX and the Hyundai XXXX dealership. XXXX  neglected to admit in their initial response that my account was paid in full by the DEALERSHIP and not by me. Again, no payment that came from me was ever late. Better yet, this late payment they claim was my responsibility came from their own dealership 's checkbook! The Hyundai dealerships payment to XXXX was late. The dealership has even admitted responsibility for this payment ( see letter from dealership attached ). The dealerships manager says, XXXX sent XXXX XXXX a bill and she advised them that the dealership was to pay that amountthe dealership failed to do this. The fact that I, the customer, have been the middle man between these two entities, dealing with their lack of communication with one another and being personally affected by their failure to remedy this situation several times is abhorrent. Had I been told by XXXX  or the dealership to pay a {$620.00} Wear & Tear fee, I WOULD HAVE and quite frankly, I wish I was given the opportunity to do so rather than be lied to multiple times by the dealership that the payment was handled and be in this present situation. Look at my payment history- I have never been late on a payment once in my life and would never not pay an outstanding balance!
Product: Checking or savings account

I applied for an application for rent and paid the application fee for XXXX XXXX in XXXX. I was charged XXXX for a deposit that I did not select. I had my husband call and let the company know there was a mistake. They canceled my application. Refunded me the application fee but not the deposit. I contacted CashApp to dispute the charge and they denied it. 

I called today to get clarification and was first hung up on. I called again to speak to someone else who could not give me any info. When I asked what the policy was for disputes repeatedly, I was told the same canned response - Someone will get back to you via email. 

I asked again where to find the policy and was hung up on. 

I just want my money back. And cashapp is not properly investigating.
Product: Credit reporting or other personal consumer reports

I am writing to inform you of the violation of my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b, as well as my victimization of identity theft, as documented by an FTC report on file Reference Number : [ XXXX ]. I kindly request your prompt attention to this matter and the immediate removal of the following fraudulent accounts from my credit report. 

Account name XXXX XXXX XXXX Account numberXXXX REQUESTING REMOVAL OF UNAUTHORIZED INQUIRY XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXXXXXXXXXX XXXX  Inquired on XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX {$330.00}. The Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). To ensure compliance, the agency pursues an aggressive enforcement program aimed at the main players in the consumer reporting system CRAs, those who send them information, and consumer report users. The FTC has sued CRAs, charged companies with furnishing inaccurate information to CRAs, and charged users of consumer reports with failing to notify consumers when they make negative decisions about them based on a consumer report. underage with XXXX The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. see attach ftc violations Fair Lending Laws and Regulations Equifax to Pay {$570.00} XXXX as Part of Settlement with FTC, CFPB, and States Related to 2017 Data Breach.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report again on XX/XX/XXXX. I Saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX XXXX BANK XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] XXXX XXXX ACCE XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. XXXX ] XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of XXXX XXXX XXXX Permissible purpose is defined in Section XXXX of the Fair Credit Reporting Act ( FCRA ). [ XXXX XXXX. XXXX ] XXXX XXXX ACCE XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 USC 1681b Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ]
Product: Credit reporting or other personal consumer reports

Your sales person XXXX XXXX are still listing advertising your client XXXX XXXX purchased my property XX/XX/XXXX a different date of client and is the exact support he has been you to fake a purchase. You list as XXXX XXXX XXXX XXXX but your client has committed forgery by going on to cash two checks in my name from XXXX and put them into an account known as XXXX XXXX XXXX at XXXX  XXXX XXXX Im sure you are aware. In addition my broker XXXX XXXX  XXXX XXXX XXXX Mi XXXX loan XXXX they were fully aware that the loan was mine that on XX/XX/XXXX under XXXX XXXX XXXX made a inquiry and XXXX  responded- WE WILL BE ABLE TO RESPOND TO YOUR INQUIRIES, IN FULL, IF XXXX XXXX XXXX XXXX CALLS US AT XXXX XXXX, To provide verbal authorization. Also, I conducted an affidavit of forgery XX/XX/XXXX and made a police report XX/XX/XXXX and are handled by detective. XXXX XXXX XXXX. 

On XX/XX/XXXX at XXXX for 27 minutes spoke to XXXX  XXXX XXXX mortgage department XXXX XXXX and he said a guy name XXXX XXXX XXXX XXXX XXXX are lying saying XXXX XXXX has clear title and is no clear title in the file using your loan attach to another loan XXXX for XXXX to XXXX XXXXXXXX XXXX PLEASE EXPLAIN YOUR INVOLVEMENT Using two fake SSN numbers XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw that Navient ( originally XXXX XXXX ) is still reporting as a late payment every month. This account was charged off years ago. So I sent them a letter asking for proof of the account with documents showing my original signature. Never got response. I took it to the credit bureaus which I also filed investigations in each one of the bureaus.The 30 day timespan had lapsed and still no answer or resolution. I again called the bureaus and was told by two of them that the account was re-aged to XX/XX/XXXX? Again another letter to Navient asking to show proof of where I made transaction with them and why the account was re-aged? The only correspondence I received was a letter stating if I paid {$5800.00} they would report the account closed. I ca n't afford that, and this was after the 7 year time span of them reporting on my credit reports. Just last month I called the XXXX office to see what could be done and they said nothing because now the account shows XX/XX/XXXX. I was also told that the co-signer that I had listed would fall off after 6 months but NO they still are harassing her. This account is 12 years old now, I was never sued for it and the first time it was re-aged was 3 months prior to 7 years. This is not fair and I need help.
Product: Debt collection

As of XX/XX/2019, I moved my business out of XXXX XXXX and to XXXX. I notified the city and I was told they updated in the system. Without a previous bill, I just received this collection notice. - It was sent to my XXXX XXXX location so I didnt even receive it until just recently. Even if this Information did not properly get updated in the system like the city assured me it was, I also should have received some kind of bill before a bill from the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is going on with the credit reporting agencies, specifically Equifax. How did they let 143 million accounts get hacked. This is unbelievable. I have spent the last hour trying to lock all of my three credit reporting agencies accounts without success on the prime culprit, Equifax. I am beyond livid. Someone is not doing their job.
How did this information get delayed two months while the execs of Equifax exercised their stock options?
Someone needs jail time.
Product: Checking or savings account

I opened a Citi Checking account on XX/XX/XXXX to take part in their 30,000 XXXX XXXX miles promotion. 
The terms of this promotion was to spend at least {$370.00} on qualifying purchases within 60 calendar days of opening the account, and download the Citi Mobile App and login with my Checking account credentials. The XXXX miles were to be credited to my AAdvantage Account within 90 days of completing all required activities. 
I completed all activities on XX/XX/XXXX, well within the 60 days of opening the account. 

I initiated a chat with Citibank multiple times within the 90 days from XX/XX/XXXX to confirm I did indeed complete all required activities, and both times they confirmed I had. I asked when the miles would be credited and they said to wait the full 90 days. 

On XX/XX/XXXX, the end of the 90 days from completing required activities, I initiated another chat with CitiBank and they opened a Claim to investigate it. I waited 19 business days from that time to receive a response from the claim that said the " miles would be credited to my AAdvantage Account within 90 days of completing all required activities. '' Even though it was well past the 90 days at that point, and the missing promotion credit was the entire reason I opened the claim. 

I then called CitiBank and they again confirmed I fulfilled all requirements and opened another claim. 
I still have not received the Mileage bonus and am told I need to wait another 10 business days for the new claim to be completed.
Product: Checking or savings account

On XX/XX/year> I paid for a hotel room at best western. My friend XXXX came there with me. Around XXXX am I fell asleep. I felt like ai couldn't keep my eyes open. I woke around XXXX am. He was gone. I tried to get in my phone but couldn't make it past the screen to enter in pin code. Like my pin number was changed.. later that day I finally factory reset it. All my apps and ails were gone. The next day at XXXX I try using my card it said insufficient funds. 
I got the app and seen that when I was sleep at the hotel {$1000.00} was sent from my account to a XXXX XXXX. In a payanyone transfer. paid to another chime member. I never in life have met a XXXX XXXX. 
I never heard anyone even mention her name before. I called chime, disputed it, filed a police report. Chime said no error occured. I don't know why chime didn't flag that transaction because it was a person not in my contacts, and I've never sent that much to somebody. The most I ever sent was XXXX to my husband years before. I don't know what this girl could have said I paid her for. Whatever her excuse was, if chime even contacted her was a lie.I tried refiling it again they said they'd look again, by they did the same thing
Product: Credit card or prepaid card

I opened a credit account at a furniture store in XX/XX/XXXX. I purchased a bed using the store credit account through Tide Water Financial. I ended up canceling the order with the furniture store and requested the account to be refunded since I never received or picked up the bed ; I am not in possession of the bed. The furniture store refuses to refund me because they claim " its a courtesy '' to issue refunds and that they don't have to. I called the credit card company numerous times with different reps stating that they will escalate this to a manager and that I would get a call back. I continued to call the company and yet nothing was done. One manager told me I'd have to fight with the furniture store and that this was a correct charge. As of XX/XX/XXXX this still had not been resolved so I called the credit company again and spoke to someone who actually escalated the call to dispute dept. As of XX/XX/XXXX it still had not been resolved so I called the credit card company and spoke to XXXX my account manager and she stated that the furniture store had in fact admitted that the bed had never been delivered and that the order was canceled. She stated that the refund would be done by the furniture store by someone named XXXX and that she would call Tidewater the following day but that has not happened yet. My credit has suffered because of a charge that shouldn't be there because I do not have the merchandise that the charge belongs to.
Product: Credit reporting or other personal consumer reports

Experian continues to report inaccurate information on my consumer report. This is a violation of my federally protected consumer rights. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

My name is XXXX XXXX XXXX XXXX there should be no other name on my credit report. 

My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX. 

Remove any other address it is not mine and not deliverable by the United Postal Service which would prevent me from receiving mailings and important information. 

Experian has failed to address my concerns or correct my consumer report. This has caused me significant damages.
Product: Credit reporting or other personal consumer reports

I request the immediate blocking and removal of the unauthorized accounts from my credit report. These accounts were not initiated or authorized by me, and I have no knowledge of their origins. As per USC 1681g, I am formally requesting their removal within the next XXXX  days. Relevant documents are attached for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was hired to remove negative items from my credit report. Trans Union, updates my report with the same items that should have been removed. Also, they are consistently dropping my score, when I use my credit! When I pay them off, my score still barely moves up. I will never be able to improve my credit with this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX Equifax, XXXX, and creditors in regards to negative inquiries on my credit report. They weren't much help with assisting me with the deletion of those fraud inquiries. I have been a victim of fraud activity. Here is the list of fraudulent inquiries made on my account : EQUIFAX : XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX, XXXX XX/XX/2021 XXXX - Auto Finance XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX - Card Service XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I pulled my credit report and saw that Experian was reporting a collection from XXXX without my consent and violating. 

XX/XX/2023 I mailed my letter to Experian requiring them to provide validation that this is my debt. 

XX/XX/XXXX Marked 30 days for them to review and address the situation. They have not validated or provided any dispute results. 

Pursuant to Fair Credit Billing Act 15 USC 1666 Experian can not report negative information about me until the investigation is complete.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the Experian credit reporting agency remove/block information appearing on my consumer credit report that is the result of identity theft fraud within XXXX  days of you receiving this complaint. This fraudulent, inaccurate and false information consists of an auto loan account opened at XXXX XXXX on XX/XX/year> under acct # XXXX. 
I do not recognize the aforementioned account listed in this complaint. The aforementioned account appearing on my credit report maintained by you were not open, made, or initiated by me. All of the aforementioned account are the result of identity theft and fraud I have attached a copy of a FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud. 

ATTACHMENTS : XXXX XXXX Credit Report FTC XXXX
Product: Checking or savings account

In the summer of 2018 my account was automatically closed at J.P. Morgan Chase. I've had a checking account with them since I was legally able to have a checking account in my own name. In 2018, unknowingly someone deposited fake checks into my account without my consent or permission and fraudulently signed my name. I don't know what this individual could have gained depositing these checks into my account, but subsequently i've now been unable to open a checking account because I'm in XXXX XXXX. This has caused severe detriment to my ability to live. I can't open a bank account in my name and I am employed, which is causing me a great deal of difficulty in my day to day life. 

I would never have done such a thing and don't believe I should have been punished for something I didn't do. It would appear someone decided to do this to me out of malice and cause harm to my life. Please assist me in getting removed from XXXX  XXXX. I've been working extremely hard to get my finances in order and this is causing my extreme XXXX  and XXXX with the disruption it's brought into my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have faxed in my police report and they removed inquiries but some was n't removed and also allowing somebody to keep running my credit causing me to get more hard inquiries on my Credit Report. The dates listed below are inquiries that needs to be deleted and I also requested nothing be ran on my report without my consent. XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
Product: Student loan

I was going to school, with XXXX XXXX, XXXX on line and the cost was XXXX. I received XXXX} a year for XXXX year from XXXX. A week before I was to graduate the school told me they had closed. I got a bill from XXXX XXXX company charging me with XXXX  dollars. A year later they sold this bill to Navient. i do not owe this much money and it is a detriment to my credit. Please can you help me correct this error?