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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Vehicle loan or lease

Hello, We are part of the Wellsfargo class action settlement ; however, we are getting the run-around in a major way. 
In the fall ( XXXX ), we received a pre-settlement check ( twice ) for this class action that we DID NOT cash. We DID NOT accept the settlement amount. 
We have contracted Wellsfargo by phone and by email, and every time we are told that our inquiry is invalid, either because the lawsuit is for a specific issue, like them opening an account we didn't authorize, or that the lawsuit is closed and therefore we would not be included.

At this point, we feel that Wellsfargo is stalling and providing false information on purpose, and we are being stonewalled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested validation of accounts from credit reporting agency for accuracy. Did not receive documents nor responses validating accounts on report are accurate.
Product: Credit card or prepaid card

A few weeks I applied for Capital One Quicksilver with introductory 0 % APR for XXXX year. Upon receiving the credit card, I simultaneously received a letter from Capital One 's fraud department. After calling the fraud department I was informed that I must deliver a copy of My Driver 's License, Signed Social Security number and proof of residence. After providing all the information with a copy of my mortgage statement. 

After providing that information I was called back from the fraud department again informing that I the copy of mortgage statement was not valid for proof of residence. The fraud case manager informed me that a copy of my bank statement would validate proof of residence. After submitting all this highly sensitive information twice to Capital One I heard nothing from them for over a week, so I decided to contact Capital One again. After calling the Fraud department they informed me this time that they were trying to contact my bank XXXX to validate my bank statement, but the bank would not do so. I told her that no bank would give a 3rd party information without some written authorization from the customer. After this I demanded to speak to a supervisor who told me that now a Utility bill would sacrifice for proof of residence and that a Utility company might validate my address with a 3rd party like Capital One. My last communication was providing a copy of XXXX XXXX  Power bill to their secure document upload website.

My main reason for this complaint is I believe Capital One is engaging in bait and switch tactics with customers who don't run balances. I had this same incident happen to me beforehand when applying for a Capital One card with a promotion rate and bonus. I was previously a customer with them for years and I have lived at the same address for 7 years so all this address verification is absurd since its the same address that I had when I was a customer with them. After looking at forums it seems other people are experiencing the same issue and it seems the common denominator is they are customers who don't run balances. Also in the process applying twice now Ive taken a inquiry hit on my credit report for a credit cards that they approve then try to take back after they realize that wont make money off you with interest charges.
Product: Checking or savings account

I went on a trip XX/XX/year>. I had left my phone and wallet in my car. When I returned someone had broken into it. My phone wallet, jacket,, other mischievous items were taken. I am not rich in fact my car is my home at the moment since XXXX my job went away. On XX/XX/year> I was able to get a phone and get my backed up information from the cloud. I proceed to go to my well fargo account and I noticed a bunch of. Transactions from my account thru XXXX which is thru wells fargo. The total sum taken was XXXX. I immediately called XXXX and they said that it would never had happened if I hadn't given someone my PIN number..I have never in my life given my card to anyone or authorized any XXXX to use my card. I am XXXX XXXX XXXX and I do not have the best memory and I do write stuff on my phone in my notebook relating to a lot of different accounts. These days hackers can access your account many different was. XXXX XXXX keeps saying no one can access your pin numbers at any time. I know that ti be false. Thursdays most of the computer crimes are down thru identify theft. I have had my identify stolen multiple times thru different breeches thru multiple companies multiple times. 
T he XXXX XXXX is XXXX of many places XXXX  can get your information. I even got a police report of the incident. I have jot had any money for a XXXX days now and have no where ti turn. Just want that money put back so I can continue to live. XXXX on wells fargo to even say in there email that I '' that I or someone I gave permission to did it ''. That is a bold face lie. XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced identity victimization as my information was utilized without my consent, which constitutes a violation under 15 USC 1681b regarding permissible purpose. I never provided written consent for anyone to furnish any details on my consumer report. I insist on the immediate deletion of the following accounts 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 received a new auto policy for the year XXXX-XXXX, In the new policy it stated that there were four items that address my new auto cost and why they increased my policy. first of all, I been with this company for over 15+ years. I started in XXXX California and moved to XXXX XXXX 3 1/2 years later. I never been late with my payments or anything else. But for some odd reasons This third party bureau has decided to report Old information, inaccurate information and false information to my Auto insurance company. 
Secondly, I had spoken with LexisNexis consumer center several times in the past and future and told them orally and verbally that I would opt-out with there company and I placed a account freeze on my file. ( FCRA ). And they still provided information to " LexisNexis ''.
Product: Credit card

My card was stolen/ or lost and used as Im not sure when this would have occurred and didnt report it missing until I noticed charges hit the card. Several charges were made on the card on XX/XX/XXXX. This was confusing for me as I dont frequently use this card and dont usually carry it with me so I may have filed the complaint incorrectly when I originally reached out. I dont live or work near where these charges occurred and have not been to these specific establishments. I do not have friends or family authorized as a user on this card. I reported these charges several times and Chase has denied my claim without providing evidence as to how they validated the charges. I did not make these charges and frustrated that Chase does not offer access to a path to elevate these claims. As a loyal customer of Chase for many years I expect support and protection. Total fraud charges repeatedly denied by chase {$660.00}. 
XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX  XXXX {$140.00} XXXX XXXX {$41.00} XXXX XXXX {$110.00} XXXX {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has a collection listed on my credit report for XXXX XXXX XXXX XXXX. I was a victim of Identity theft in the XXXX Breach. I filed an affidavit and sent copies to all three bureaus in XX/XX/2018. I have called XXXX, and Experian repeatedly, and disputed the error, I have emailed/ faxed them to their company as requested a copy of my supporting documents " affidavit, and have gotten no response to the emaile/faxes, and rude, offensive customer service, regarding my complaint / dispute. When I call. I have also called, XXXX, and Experian. Neither XXXX, nor Experian have corrected this on my credit report. I have disputed this with each, with no correction. XXXX was also informed of the fraudulent account/ collection, and immediately removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts on my reports i have contacted the companies in this complaint and they all say to contact credit report companies and i have numerous times with no reply or results please investigate and remove this information 1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. The following account is not mine XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. The following account is not mine XXXX XXXX XXXX XXXX DBA XXXX REAL Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am submitting this complaint regarding Experians failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which outlines civil liability for failure to comply with the FCRAs dispute investigation requirements.

The inaccurate accounts in question are as follows : XXXX. Real Estate Loans Total Balance : {$13000.00} XXXX. XXXX XXXX Late Payment Balance : {$13000.00} Balance Updated : XX/XX/XXXX XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXX Selling Balance : {$780.00} Balance Updated : XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance : {$12000.00} Balance Updated : XX/XX/XXXX XXXX. XXXX XXXX Balance : {$0.00} Balance Updated : XX/XX/XXXX In addition, I have noticed the following hard inquiries on my credit report : XXXX XXXX  ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XXXX XXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XXXX XXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XXXX XXXXXXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XXXX XXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) XXXX XXXX XXXX ( Inquired on : XX/XX/XXXX XXXX On Record Until : XXXX XXXX ) XXXX XXXXXXXX XXXX ( Inquired on : XX/XX/XXXX, On Record Until : XX/XX/XXXX ) I have submitted disputes for these accounts and provided supporting documentation to prove the information is either inaccurate or unverifiable. However, Experian has failed to properly investigate these disputes or has responded with generic verified statements without providing details about the investigation process or correcting the errors. This failure to conduct a reasonable investigation has harmed my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ]. I am requesting the following actions from Experian through the CFPB :
1. Conduct a proper and thorough investigation into the accounts Ive disputed.

2. Provide a detailed explanation of the steps taken to verify or correct the information.

3. Immediately remove any inaccurate or unverifiable information from my credit report.

Thank you for your assistance in addressing this matter and ensuring that Experian complies with federal laws, particularly 15 U.S. Code 1681o, to protect consumers like me. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I started this program back in 2019 paying over 85 a month. They lowered it to XXXX  after I complained and said what do they actually do for me especially since I can do all of this myself. I have several times asked them to cancel my service after nothing that was promised was fulfilled. I have asked for a refund in writing going back to when I first asked and they still have yet to give that to me. Instead they just call and ask me to consider giving it time. I normally do not make complaints but I had to file a claim with my bank and now this.
Product: Credit card

Credit Card company found for the merchant, initially, in this dispute without considering my formal input.
Product: Debt collection

I tried to get XXXX for my home and was told I owed around {$XXXX} for my previous account my account when I moved from my address was in good standings no money owed then I moved out of state to which I couldnt transfer services since XXXX was not in that state. I called to let them know I will be terminating my services. I moved out of the unit and nobody lived there. Once someone did move in, TO MY KNOWLEDGE when they contacted XXXX  my services was never terminated and it just kept going even while the new tenant were there for MONTHS. If the fist payment was missed then the service should have been interrupted but instead for some reason unknown the services went on for several months unpaid and uninterrupted to XXXX XXXX were the bill reached between $ XXXX {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account ( s ), has violated my rights. ( listed below ) XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this SAME collection posting years ago and it was removed. It is not mine. Ive asked for proof to show their validity of placing this Collection on my report and Im not getting that. Just a notice of we are investigating, dont have an update hang tight, to, weve completed our investigation and nothing changes. What was done??? This collection doesnt belong to me. I have not opened ANY ACCOUNT ANYWHERE with an {$8000.00} debt. 
Also, XXXX XXXX canceled my card without notifying me & is blocking my payments through the app so I cant make payments then unfairly reports, no payment on a closed account All of this is unfair and egregiousplease help me get these items removed/resolved.
Product: Debt collection

this person called me repeatedly throughout the day on both cell phone and work phone for multiple days. When I called them back she accused me of harassing them because my phone cut out and I had to call them twice. The lady screamed at me on the phone, and was abusive toward me. When I told her she was being rude to me she said that I was just trying to talk over her she kept yelling at me over and over would let me get a word in edgewise and finally hung up on me without taking payment. Her final words to me where " call back when you decide to pay your bills ''. I 've never dealt with someone so vitriolic before- I 'm still shaking.
Product: Debt collection

I have held a debt with a financial company ( Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX Toll-Free ( XXXX ) XXXX, www.phoenixfinancialsvcs.com, XXXX ). On one call they verbally harassed me calling me an " XXXX ''. They have also called at least over ten if not fifteen times asking for someone named XXXX. After verbal altercations with this company I started receiving more unusual calls and texts even after midnight. I also believe they have distributed my information to other telemarketers and companies such as an " auto insurance '' company that has not disclosed their actual company name to me after repeatedly asking for their company name to live Representatives. I have provided my insurance information to settle the debt and registered with the do not call registry, but repeated calls and texts continue.
Product: Vehicle loan or lease

I should have gotten a refund check from canceling my gap insurance and service warranty on my vehicle because it was paid off early the refund check is for XXXX the dealership the XXXX XXXX  said the sent the check to Kia motor finance on XX/XX/2023 as of XX/XX/2023 Kia motor finance say they still havent received the check and neither the dealership nor Kia motor finance can tell me where my refund is and I constantly keep having to go back and forth
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$45.00}
Product: Debt collection

[ These are not mines I was a Victim of Identity Thief. This is wrong on my credit report, I want these removed Please. 


15 U.S. Code 1681a-Definitions ; rules of construction | U.S. Code | US Law | Lil/Legal Information Institute 15 U.S. Code 1681s-2-Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( 1 ) - EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any-report containing information solely as to transactions or experiences between the consumer and the person making the report,
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I have identified several fraudulent accounts and inquiries reported on my credit file. As these accounts and inquiries are a result of unauthorized activity, I am requesting that they be immediately blocked and deleted in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Below are the specific accounts and inquiries that I request to be deleted : Fraudulent Accounts : XXXX. XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1900.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$13000.00} Fraudulent Inquiries : 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: Checking or savings account

I fell behind on bills and my account was overdrawn for a few days, then with the overdraft fees I ended up paying XXXX dollars in fees, which was more than how much I was originally overdrawn for.