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

Consumer Name : XXXX XXXX, Consumer XXXX XXXX XXXX : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX  information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card opened at XXXX Bank XXXX XX/XX/XXXX under the account number XXXX, an auto loan opened at XXXX on XX/XX/XXXX under the account number XXXX, a phone account opened at XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 XXXX XXXX XXXX XXXX  XXXX  ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, phone numbers and hard inquiries are the result of identity theft and fraud. 


Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX Employment Information : Business Owner, Driver, XXXX, XXXX EMPLOYEE, XXXX XXXX, Self Employed Wrong address : XXXX XXXX XXXX XXXX, XXXX  XXXX Correct address : XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit card

This case has been taking almost a year. I suffered from an ID theft in XX/XX/2023. I discovered this by one of my financial institution 's notification. Altogether three of my accounts were affected : XXXX credit card, XXXX  account, Wells Fargo credit card. I'm filing this complaint against Wells Fargo. With the other two institutions, the matter was cleared within a month. With WF, they are still sending me the bill that I do not owe. Within the 1st week of the incident, I filed a police report, FTC report, and placed security freeze with the 3 major credit bureaus. All of these docs can be submitted upon request. 

With WF ( and the other two institutions ), I filed the fraud form identifying the fraud transactions and paying off the valid transactions. Nevertheless, they say that the account was opened by myself initially and therefore I'm responsible for all those fraud charges. I do not know what to say to this logic. I repeatedly requested that the account must be permanently closed, which they didn't to my very surprise. 

In XXXX last year they sent me a resolution letter. However, a few weeks later they sent another letter that there is a remaining balance. The balance was due to the transactions that took place after XX/XX/XXXX when I completely stopped using any credit/debit card. ( Even as of today, the security freeze is in effect and I don't have any card. ) I received another decision letter on XXXX last year that was in my favor. To my surprise, on XX/XX/XXXX they sent me another letter that I still owe the balance. There must be something very wrong with their system. 

I'm starting to take legal action and this is my first step. I'm doing my research to take additional actions, including small claims court and/or consultation of a lawyer. I wouldn't normally consider the last option since the amount debated is around {$2700.00}. The lawyer fee will easily exceed it. However, XXXX found that I was affected by their data breach incident several years back. I believe that I can secure the funds for the suit from them. 

I was WF 's 30 year mortgage customer and paid it off in 11 years XXXX last year. There was not a single late payment but this is how they treat their " valued '' customers. My credit score was XXXX before the incident but now XXXX, mainly because WF 's wrong credit report.
Product: Checking or savings account

I deposited {$360.00} cash into an ATM. While the machine was processing, it shut down and restarted .The machine rebooted and never gave me my money back or added the value to the account. Citizens Bank is refusing to give me my money back that the machine stole from me
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received an alert from XXXX XXXX about an inquiry from XXXX XXXX XXXX in my Equifax credit report. I had not requested services from them as I work for their biggest competitor & receive all needed services from my employer. I contacted both Equifax & XXXX XXXX XXXX about the matter as I did not request services. I was unsuccessful in getting Equifax however XXXX XXXX XXXX did investigate the matter found it fraudulent, gave me a reference number to account for the fraudulent inquiry ( found that my name & SS # had been used by a possible former family member without authorization or knowledge ) and submitted written documentation to the affect. I then requested for the information to be removed from Equifax both as an online dispute on XX/XX/XXXX & XX/XX/XXXX as well as a phone call on XX/XX/XXXX to which Equifax refused to remove the inquiry despite XXXX XXXX XXXX sending written statements to the fraud. 

I have tried several times to send information to Equifax to be given the same generic response that is not applicable to my case. XXXX has researched & determined the inquiry as fraudulent but Equifax refuses to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX that went to collections many years ago. I paid the company who obtained the account. Jefferson Capital Systems, Inc. They informed me that they would notify XXXX that the account was paid in full so XXXX could then report to the credit bureau that the account was paid. Instead, they never reported the pay off to XXXX so it is still sitting in my credit report as delinquent. This needs to be updated as it is the only thing showing negative on my credit report and I am in the process of trying to buy a home. I have been fighting with this company for almost 2 years to report this to XXXX. I have submitted a complaint to you previously in regards to XXXX but I was directed to the FDIC because they are a XXXX. I filed a complaint with them to no avail as they directed me back to XXXX. I am being sent in circles. This needs to be addressed and fixed. Under the fair reporting act I have a right to have accurate information reported on my credit report. I don't know what else to do or who to turn to at this point. Jefferson Capital Systems , Inc. will not do as they promised, nor will they help me with this.
Product: Debt collection

I contacted the company through XXXX and I ask the company could prove Im the person who applied for the services prove like copy of my ID or me holding my ID to make sure Im the correct person and the funny part in order to get copies of the investigation I have to proved copy of my ID but to open an account apparently not required because they could harasses the person and destroy his future and identify
Product: Credit card or prepaid card

I closed my Citi XXXX XXXX credit card account in XXXX and disposed of the card. For an investigation unrelated to Citi in XXXX XXXX, I accessed my account to request historical statements. When I was notified in XXXX XXXX that the historical statements were available, I was unable to login with my usual credentials. I tried to reset my password but because I do not have the card number -- I threw away the closed card -- Citi refuses to work with me to get my password reset so I can access my online account. I have been more than willing to provide SSN and other information to confirm my identity but Citi has refused. I don't even care what the account number is ; I have my username and just want to reset my password and Citi has refused to help me whatsoever.
Product: Money transfer, virtual currency, or money service

I can no longer log in to my XXXX account or wallets. I contacted customer support in every way and was told " we dont know why and we dont know when someone will be available to help you with your issue. It's been about 3 months and I still can't login, and have been given no explanation.
Product: Vehicle loan or lease

Its been 2 and a half years trying to get a new car or even a car at that under my name XXXX XXXX Ive never been able to get a vehicle I wanted my credit was always an issue and I never knew why until this year XXXX when I was searching for another vehicle I would think my credit was pretty good by now since Ive paid off majority of my bills and debt. Went to XXXX XXXX in XXXX XXXX ( where Ive leased vehicles before ) and never had an issue getting the vehicle but this time in particular my credit mustve been ran 6 times I do not know why! So now my credit has gone down a lot and still not in a vehicle I get a call from XXXX XXXX stating that no one will finance me due to having XXXX vehicles under my name! The car in question was a XXXX XXXX XXXX XXXX which has since been sold of in an auction. I begin to investigate calling both XXXX ( my policy holder ) and Chrysler Capital but No one seemed to know what I was asking for it was the XXXX XXXX letter Chrysler was supposed to send to me when the car was paid off by my insurance XXXX. I had totaled the XXXX on XX/XX/XXXX was paid off in XX/XX/XXXX but still not removed from my credit report I have always wondered why my interests and XXXX was always soo high my credit had been ruined due to the high amount I was paying for cards and other types of things. As of now I have called a total of XXXX calls to Chrysler and XXXX calls to XXXX I was forced to get a vehicle cause i needed one to take my XXXX boys to school as I am a single father and now I am paying XXXX a month for a car i didnt really want. Ive been hung up on transferred to different departments and just lied to saying I would receive an email and letter from Chrysler Stating that the loan was paid off. I was transferred to an executive whom did not want to give me their name which baffles me all that the executive said was it will be off by tomorrow fast forward another 4 days and 10 calls later still have no answer and no emails stating they sent out the email with the lien satisfaction letter. I need this to work I am mentally tired and stressed and I cant take much more of this. please help me settle this issue. Its very unprofessional of way I am being treated by a company I was paying a loan on. Again its been 2.5 years and no one seems to know what happened. I also can attach all the calls I have documented and informed about my issue with no resolution
Product: Student loan

I am a co-signer for a student loan and I wish to no longer receive calls about the loan because I am retired and not working. However, I know the borrower has been making payments but I should not be associated with the lender anymore and I like to be removed from their call list. These private lenders are too aggressive when reaching out to XXXX  persons and I can not keep track of their arrangements with the borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chex Systems received my dispute letter on the following dates according to returned receipts : XX/XX/2018, XX/XX/2018, XX/XX/2018. 

Chex Systems continues to report unverified accounts and inaccurate information. 

Chex Systems has not provided this consumer with the information of How these accounts were verified as accurate by virtue of proper documentation containing my signature binding me any these negative accounts and debts owed. 

Chex Systems is Now is violation of the FCRA and continues to be in noncompliance.
Product: Debt collection

Harris and Harris Collections calls and leaves messages EVERY single week. XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and further back. 

When I have answered the phone, they are rude and deny that this debt has been paid. It was paid directly to hospital. They are harassing me and I am done with this XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I have opened a loan account with XXXX XXXX XXXX for buying a used car from XXXX dealership , my monthly payment is {$740.00} for XXXX payment was paid on XX/XX/2022, at that time I was sick with Covid-19 and was not able to go out until few days after. the total late days were only XXXX  days but XXXX XXXX XXXX reported it as 30 days late payment which is totally wrong. I have written up a request ( XXXX ) to XXXX XXXX XXXX asking them to remove that from my credit report with all XXXX credit bureau but they rejected my request. Also, I did dispute it with the credit bureau but the result came back as accurate info. I am attaching a proof from my account page with XXXX XXXX XXXX showing the payment has been received on XX/XX/2022 which means only XXXX  days late from the initial payment scheduled date. 
Their intensionally wrong report caused me losing my eligibility for home Mortgage XXXX weeks ago, where I was buying a house to my family and elderly parents.
Product: Credit reporting

I XXXX am filing this complaint because TransUnion has ignored my request to provided me with documents that their company has on file that was used to verify the Public Record i disputed. Being that TransUnion have gone past the 30 day mark and can not verify the Public Record, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verify '' that I have disputed. Please resolve this manner as soon as possible. 
Thank You!
Product: Credit card or prepaid card

I tried to fix this with the company on several occasions. They charged late fees when bills were not sent to the correct address and they were not received which is a violation of my rights as a debtor. Also, they reduced my credit limit in retaliation to my complaint. If this is not resolved I will file a summons and complaint in Connecticut, to recoup illegal fees charged when statements were not sent to the correct address after updating it with the company. Please send legal department 's contact information.
Product: Payday loan, title loan, or personal loan

I am being grossly overcharged for a service that costed considerably less. 
I was not told that the fees would be excessive as they are and I believe there was a switch and bait with the paperwork completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continue to report on my credit report despite the previously sent letters, in violation of federal law. I dated the previous letter I sent to the Experian credit bureau last XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not confirm this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccuracies and violations present in my credit report dated XX/XX/year>. Below is a detailed list of issues, including the violations of each account, the non-account-holding inquiries, and the actions I am requesting. 

Inaccurate Accounts and Violations : XXXX XXXX XXXX ( Account Number : XXXX ) Discrepancy : Account lists payments late by 30 days twice ; however, records show payments were brought current immediately without justification for derogatory remarks. Violation : XXXX late payments inaccurately, harming my credit score. Compensation Requested : {$2000.00} XXXX ( Account Number : XXXX ) Discrepancy : Account marked as Collection/Charge-off with a dispute comment that was unresolved. Violation : Reporting unresolved disputes without proper investigation and failing to update dispute resolution status. Compensation Requested : {$1000.00} XXXX XXXX XXXX XXXX ( Account Number : XXXX ) Discrepancy : Balance reported as {$21000.00} in collections despite 100 % payment history stated in the report. Violation : Reporting inaccurate collection balances contrary to documented payment history. Compensation Requested : {$1000.00} Non-Account-Holding Inquiries : XXXX XXXX XXXX XXXX Date : XX/XX/year> Violation : Hard inquiry performed without a permissible purpose. Compensation Requested : {$1000.00} Summary of Violations : Inaccurate reporting of account statuses and payment histories. 

Failure to investigate and resolve disputes per the Fair Credit Reporting Act ( FCRA ). 

Unauthorized hard inquiries in violation of FCRA guidelines. 

Total Number of Violations : XXXX Requested Compensation Per Violation : VariesTotal Requested Compensation : {$5000.00} Action Requested : Immediate deletion of all accounts reporting inaccurate or unverifiable information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Removal of unauthorized inquiries : XXXX XXXX XXXX XXXX  Financial compensation for each violation outlined above. 

Confirmation of actions taken to rectify these issues. 

Supporting Documents : Enclosed with this letter, I have included a copy of my credit report highlighting along with any relevant correspondence. 

Please investigate these matters and resolve them promptly. Under the FCRA, I expect a written response within 30 days of receipt of this letter. Thank you for your immediate attention to this urgent matter.
Product: Credit card or prepaid card

I was gifted a {$50.00} XXXX  Gift Card ( XXXX ) purchased from XXXX on XX/XX/22. When I went to use the card, it was declined. I tried validating the card online and then calling when I kept getting the error message. I have called 3 different times to try to resolve the issue. The wait time has been 45-60 minutes and then I am just told to hang up and call the XXXX number for the automated system or in one instance I was hung up on. The XXXX number they are referring to is the number I am calling and it just connects me to a representative. I am not able to return the card to XXXX since it is a gift card. All this leads me to believe that this gift card is not legit.
Product: Debt collection

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of hard inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX - XX/XX/2022 XXXXXXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XX/XX/2022 15 U.S.C 1681 Section 602 A. States that 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

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 items XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6500.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6500.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$17000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX which appears on my credit report. I believe this information to be inaccurate as I do not have any contractual relationship XXXX XXXX Services. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. To date, XXXX XXXX XXXX has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me as required under FDCPA, 15 U.S.C. 1692g.
Product: Payday loan, title loan, personal loan, or advance loan

I have paid over XXXX loans on this account I got a email that I had until the XXXX for one the loan I have left to pay and were on the XXXX I receive email saying I had until the XXXX to come up to date with my payment which am here on the XXXX fixing my past due and being up to date and I see my account charged off! Am not going to have you guys ruin my credit and lie and say charged off when am here in the time frame to fix things I been over two hours on phone trying to fix this issue thats completely not fair to a long term good customer! Your system is lying and glitching I had until XXXX to fix your rep also said the same email that I was sent from you guys said the same fix this!
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX a debt was paid in the amount of {$530.00}, payment receipt # XXXX to XXXX XXXX XXXX, XXXX. A representative of XXXX XXXX advised that the updated information will be updated with bureaus within 14 days. As of this day, XX/XX/XXXX bureaus are still reporting incorrect information. I called XXXX XXXX again this date and no one was able to advised me if the information has been updated. NOTE : My checking acct shows payment withdrawn in the amount of {$530.00} on the XX/XX/XXXX. 
The use of credit is updated within hours on reports, it should also update within hours when repairing, repaying, or logging incorrect information complaints with creditors.