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

I have contacted all three credit reporting agencies explaining, I am victim of Identity Theft and the accounts they have listed do not belong to me. Request the credit bureaus to remove any incorrect, inaccurate, or fraud information and accounts from my credit report. Also requesting them to investigate the matters because the account was not open by me, they came back as accurate. I am a victim of Identity and whoever has opened these accounts is suing my information without my permission. The fail to remove any items off of my credit report that i did not have any Assocation with. I recently we went to try and apply for a mortgage for a new home for my daughter and I. Just to know all my hard work and earnings will not be able to get me into our dream home, because someone is using my identity. I have already filed a report with my local police department as well and the FTC. I just want to have my identity back and move on from this traumatic and devasting event. I am filing a complaint against XXXX, Experian, and XXXX, for not removing accounts that were open under false pretenses. Someone is using my information I am unsure on how else to prove it beside the police report reaching out to different agencies to receive help. I just want my life back and a chance to purchase this home for my daughter and I.
Product: Credit card

I was sent a XXXX credit card I never applied for. I had a store card but never applied for their new capital card. It was just sent to my home! I do not want another credit card -- it is not the same as a store card and is much more vulnerable to fraud.
Product: Checking or savings account

I have been trying to close out a CD account with Wells Fargo since XXXX 2022. 
I submitted a Notarized Request. They advised me my request was a copy and not the original ( a fact which I disagree with ), but I submitted another copy of the request. 
XXXX XXXX, 2022 I was told by XXXX at the main XXXX number for Wells Fargo that the request was sent to Minnesota for processing. 
XXXX XXXX,2022- XXXX. he is researching why CD never closed. Several calls to the XXXX California branch could not be completed, a recording stated, " Bankers at this branch are unavailable to take your calls. '' XXXX 2022- XXXX. Called the Acception Payments Department. I was on hold for over 1 1/2 hours! I never got through. 
Called the main XXXX number again and asked to speak to a higher lever supervisor ( XXXX ). He just transferred me back to the Acceptions Department where I was on hold for 1 hour and 45 minutes! While I was on hold XXXX kept checking in on me so I wouldn't get disconnected. She said she would submit a complaint for me. 
I did receive two emails from Wells Fargo on different dates stating they would get back to me within 10 days. I have never heard from them again on either complaint. 
The branch of Wells Fargo is in California and I live in Indiana where Wells Fargo has no branches so I can not go to the branch in person
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this complaint. 

Items that need to be disputed : XXXX : 1. XXXX  XXXX Account Number : XXXX Date XXXX Balance Owed : {$9900.00} - XXXX  2.XXXX  Account Number : XXXX Date XXXX Balance Owed : {$700.00} - XXXX  XXXX : 1. XXXX  XXXX Account Number : XXXX Date Opened:XX/XX/2019 Balance Owed : {$9900.00} - XXXX TransUnion : 1. XXXX  XXXX Account Number : XXXX Date Opened:XX/XX/2019 Balance Owed : {$9900.00} - XXXX  2. XX/XX/XXXXDate of Inquiry :XX/XX/2022 3. .XXXX Account Number : XXXX Date Opened:XX/XX/2020 Balance Owed : {$700.00} - XXXX
Product: Credit reporting or other personal consumer reports

I contacted Experian to get my credit report, in XXXXXXXX XXXX XXXX, and after receiving it, I noticed there were some hard inquiires that do not have permissible purpose acoording to 15 USC 1681b. I have contacted them by phone several times explaining that is in violation of the FCRA
Product: Mortgage

Lakeview XXXX XXXX has reported paying our homeowners insurance, from escrow, to XXXX XXXX XXXX. The insurance payment was over {$1300.00}. XXXX reported XXXX never paid the insurance payment. XXXX has deducted the payment from my escrow and the bill remains unpaid. It will be overdue on the XXXX of XXXX. Both companies have declined to allow us to speak the with a supervisor or higher up. The representatives both voiced they had no ability to resolve the matter and would notify higher ups. Both companies took messages and promised calls back. They have not returned my calls. I was notified the XXXX XXXX is overloaded due to Covid and supervisors are working from home. The representative at XXXX XXXX was apologetic and very polite. XXXX representative did not seem amicable and declined further assistance while voicing the XXXX never sent a payment.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have informed experian transunion and equifax that they are reporting several inaccurate inconsistent incomplete accounts with out my written permission.i was going threw XXXX on XX/XX/year> and my ex wife used my social security number and dob without my permission to open several accounts.i have filed an ftc report # XXXX and have filed an identity theft Affidavit and have sent over XXXX dispute letters through the last 2 years to XXXX XXXX  and equifax Informing that they are reporting incorrect inconsistent negative accounts without my written permission to do so which is violating my federally protected rights.i demand that the remove the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXi am attaching the ftc report the identity theft Affidavit and tge most recent credit report information and the most recent dispute letters delete they aforementioned accounts within 4 business days from receiving this complaint.this is costing me countless hours and thousands of dollars in interest also keeping me from buying a home and a car.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, a timeshare was purchased. Before purchasing, we asked all the necessary questions. At the time, we were in the process of purchasing a home and we were told it would not affect our credits. Fast forward we were unable to do so because the information from XXXX XXXX showed up on our credit reports. We tried reaching out to the office, the sales person XXXX, it was just a whole run around. From the beginning we were provided with wrong information. 
Based on the purchase, we were not provided with any of the products and services that were paid for. Everything was going down hill. We visited a property to try to get help and it was the same thing just a whole lot of run around. In XX/XX/XXXX, we went to another location to get help to get rid of the timeshare. They promised for all the mistakes they would give us more to make up for what happened and we would receive all the products and services. They were not authorized to run my credit or my fiance 's credit. Again we asked all the questions, you providing an upgrade is this going to affect anything, the answers were no. I received a call from a 3rd party that a line of credit was taken out on our account. We would have to pay XXXX and the third party, which we had no idea of. On the XXXX day we called to try and cancel all the so called upgrades we were offered because we were given 5 days to do so. To all avail nothing. I was told I called outside of the 5 days and they were able to help. Now there are these huge amounts on my credit report which were not authorized. With the upgrade we were told no, we will not run your credit. With XXXXXXXX XXXX it has been the worse experience this past year and we are trying to get rid of them, seeking legal advise because this whole timeshare thing is a scam. If we had known this is what it would be we would not have done it in the first please. I want them removed from my credit report because this has become a hinderance in purchasing a home for my family and shame on them for reporting incorrect information. Thank you for your assistance.
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 XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX, has violated my rights 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 or other personal consumer reports

DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl, XXXX XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate Reporting [ Account Number : XXXX ] To whom it may concern I am writing to formally dispute inaccurate and misleading information on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is XXXX Account XXXX XXXX XXXX  ], which appears on my credit report with inconsistent and inaccurate information across all three credit bureaus. 
Disputed Items and Inaccuracies Inconsistent Payment Status : TransUnion & Experian report the account as " Late 60 Days '', while Equifax reports a different last reported date and status. 
The account is closed/paid with a {$0.00} balance, so a Late 60 Days status is incorrect and damaging. 

Incorrect Last Payment Date : My records indicate my last payment was on [ correct date ], but Equifax reports [ wrong date ].

Under FCRA 1681e ( b ), credit bureaus must ensure maximum accuracy. 

Possible Re-Aging of Negative Marks : The account was closed and settled, yet the negative mark appears beyond the allowable reporting period.

Under FCRA 1681c, outdated information can not be reported beyond 7 years. 

Legal Violations These inaccuracies violate multiple provisions of the FCRA and FDCPA, including but not limited to : FCRA 1681e ( b ) Failure to maintain accurate reporting FCRA 1681i Failure to investigate disputes FCRA 1681s-2 ( a ) Furnishers must report accurate data FDCPA 1692e False or misleading credit reporting Requested Resolution Immediately investigate and correct the inaccuracies regarding this account across all three credit bureaus.

Provide written confirmation of the corrections within 30 days as required by FCRA 1681i. 
If the furnisher XXXX XXXX  ) can not verify the disputed information, the inaccurate data must be deleted per FCRA guidelines. 

I have attached supporting documents ( payment records, statements, etc. ) to substantiate my claims. Please consider this a formal request for reinvestigation under the FCRA. If these errors are not corrected within 30 days, I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal remedies if necessary. 

I look forward to your prompt response confirming the necessary corrections. Please send all correspondence to my address listed above. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I opened up the acc in XX/XX/XXXX With Citi. When I opened the acc I called to confirm that this card was 0 % interest for purchases and balance transfers. The person I spoke to confirmed that yes the card was 0 % interest on purchases and balance transfers for 18 months. Come XX/XX/XXXX I cave and interest charge for about {$180.00}. I called to try and fix it and they said they would send it to people above them and I would get a call or reply and I never did. XX/XX/XXXX comes along and I have another interest fee for about {$170.00}. I call again to resolve this problem ans they said they still are working on it to investigate. It is now XX/XX/XXXX and there is another fee for about {$180.00}. I can't continue to get all these interest fees that I can not afford just because the representative gave me the wrong information about the card. I called again they see nothing on theie end, there is no dispute or any investigation that they can see. It's just an ongoing cycle of calling ans them telling me I will get a call back to resolve this issue. I need to either remove the 3 charges and I can pay it all off the card by doing a balance transfers to another company or they can transfer me to one of their companies but I can not pay these fees that I inquired because their employee gave me the wrong information. If I would of known they were gon na charge interest rate right away on purchases I would of applied for one of their cards that actually have 0 % interest or a diff credit card.
Product: Credit reporting or other personal consumer reports

Equifax is failing to report my XXXX XXXX  XXXX account on my credit report. This is a valid open account that has been opened for over three months and Equifax is failing to put this on my credit report.
Product: Credit reporting

NationStar has XXXX in less than 6 months reported erroneously Loan No. XXXX. I received a letter from there research Dept in which they acknowledged an error in reporting this information and the correction and updates to credit bureaus to be performed in XXXX 2015. After having made the corrections and updates, today XXXX/XXXX/2015 they have again fro a XXXX time reported erroneously this loan information on my credit profile and have directly impacted my credit worthiness reducing my credit score by more than XXXX points from XXXX to XXXX. 
Because this is already a XXXX time I would appreciate an investigation and any all sanctions applied due to clear Violations of FCRA. 
I may be contacted directly at XXXX or email at XXXXXXXXXXXX. 
Kind regards,
Product: Checking or savings account

Wire withdrawal from my Citibank savings account amount of XXXX to a XXXX XXXX ... .same situation with XXXX  XXXX  . Closed my account due employees miss conduct. Both banks on same street. XXXX XXXX XXXX  XXXX XXXX XXXX... XXXX NY XXXX... .my thrift savings plan federal XXXX withdrawal form stolen from XXXX XXXX XXXX... I have not received in the mail my nys unemployment benefits debit card mailed to me. To XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny and my HUD vash section 8 federal mail has not been delivered to my address..my contacts information cells phone number is XXXX XXXX XXXX XXXX XXXX XXXX D ... A ... .V
Product: Mortgage

It started in XX/XX/XXXX when I had to take XXXX from my employer due to medical issues. Which cause me not to work, I had then applied for a modification since I was falling behind and was approved on XX/XX/XXXX. During which I was not working because I was laid off on XX/XX/XXXX and was only relying on my XXXX income. I was during XXXX that me and my XXXX at the time had a divorce which once again was a financial blow. He then became ill and only relied on social security income. By that time I started a new job in XX/XX/XXXX and was also getting assistance from my XXXX XXXX. We once again applied for a modification and was approved in XX/XX/XXXX, but instead of getting an affordable rate it went up which caused our payment to go up. We made payments and just am not able to maintain the current payment with the income I bring in the social security income that my XXXX XXXX brings in. We then applied and got denied for assistance and now we have a sale date for XX/XX/XXXX and the lender is not willing to postpone.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account This account is hurting my ability to obtain credit. It is my understanding that XXXX, would investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Sunrise Credit Services XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, NY XXXX calls me every day. I answered the first call, but they immediately hung up without saying anything. That was on XX/XX/XXXX at XXXXXXXX XXXX  They have called me once every day, but never say anything. I verified the number. name, and address as Sunrise Credit Services XXXX XXXX, XXXX NY, which interestingly is in the same Town as XXXX  " Customer Service. '' These calls began right after XXXX XXXX XXXX XXXX TX XXXX notified me that they were no longer attempting to collect a debt which I claimed I did not owe. 

My complaint against Sunrise is that they are a collection company XXXX. ) Calling and hanging up without identifying themselves XXXX. ) Specifically, calling without stating they are a collection company XXXX. ) Calling without stating their business XXXX. ) Calling before mailing and either receiving a debt validation letter or alternatively waited until the statuary time has elapsed without a response. 

I have never received any documentation of an owed debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I emailed LCI ( Lundquist Consulting Inc ) inquiring about the steps I need to take to freeze my credit report, as well as how to obtain a copy of my consumer report. no response. 
Then on XX/XX/2023 I emailed LCI ( Lundquist Consulting Inc ) Requesting to opt out of any credit reporting done with my personal information. along with an attachment of my proof of identification, which was my identification card and SS card. Also following the email response they also sent me a letter via mail stating the same response to my email request. To my surprise I was emailed on XX/XX/2023 From LCI Stating that the information they obtain is available through publicly available bankruptcy records which means the records contain information that is available to the general public from bankruptcy courts.

My first argument is I asked LCI to provide me my consumer report to freeze my consumer report. I never asked them to verify accuracy, amendments, or deletion of my data, I simply wanted them to provide me my consumer report about information they have about me.

Another issue is they stated that if I would like a copy of my report or freeze my report please contact XXXX consumer bureau. Why would I contact XXXX for my credit report when I am asking for my consumer report from LCI? LCI and XXXX are 2 different different companies, with 2 different addresses, and 2 different contact phone information. I've already contacted XXXX for my credit report and received my credit report from them. Im not interested in freezing my XXXX report. Upon receiving my credit report. I seen that XXXX states that LCI is furnishing the public record information on my credit file. So if LCI is housing any information on my consumer profile pertaining to me then I have the rights to know what is being reported on me, and the right to request my consumer profile. 

How is it that XXXX has the right to receive information about from LCI but me the consumer to whom the information pertains to does not have the rights to receive information? I should have the right to know what is being reported on me so that I can check for accuracies or inaccuracies.

In addition LCI obtained public records information on me from publicly available bankruptcy records. I never gave LCI permission to furnish my personal information to XXXX or any where else. 


1681g of the Fair Credit Reporting Act ( FCRA ) requires that every consumer reporting agency shall, upon request... Provide you with a copy of your credit report as long as you provide the credit bureau with proper identification. If a bureau refuses to send you your credit report, you are entitled to sue that bureau for damages in federal court. 

According to 15 USC 1681 Section 602A States that I have the right to privacy.

According to 15 USC 1681 Section 604A. Section 2. States a consumer reporting agency can not furnish a account without my written instructions LCI ( Lundquist Consulting Inc ) is housing information on me. I request that LCI please send me a copy of my consumer report.
Product: Credit card

On XXXX/XXXX/XXXX I paid my Macy 's American Express card on time in full {$250.00} at the Macy 's store in XXXX, ME. I had tried to pay for weeks online, but the website was not working, nor was the phone payment feature and I could not get a representative despite calling multiple times for weeks, being put on hold for over an hour and then being hung up on. On XXXX/XXXX/XXXX I received a letter saying my account was overdue. For almost two weeks I tried to get through to customer service. On XXXX/XXXX/XXXX @ XXXX I spoke with XXXX who said the payment of {$250.00} was accidentally credited to my Macy 's line of credit not the American Express Line. Keep in mind I was receiving no paper statements and the Macy 's website was not working. XXXX verified that the payment was made on XXXX/XXXX/XXXX and applied the payment to the correct account ( American Express ). She also said she waived the late payment charges and interest. She also confirmed that she had closed both accounts and would send written verification ( she confirmed my address ). I never received written confirmation that the accounts were closed and my Macy 's line of credit remains open. For months I have been receiving calls ( 4-5 per day ) from a XXXX number leaving vague messages about a Macy 's American Express business matter. I looked the number up and it was reported as being phone fraud. In fact when you answer and actually get a live human the first thing they say is " tell me your account number. '' Just in case, I called and checked my account which said I had a XXXX balance. I have not received a paper statement from Macy 's for over 6 months and the last online statement available is from XXXX XXXX. Frustrated with the calls I called the Macy 's number on XXXX/XXXX/XXXX @ XXXX PM ) listed on the Macy 's website which went right to collection services. Collection services verified with Macy 's that on XXXX/XXXX/XXXX when I called the correction was made to my American Express Account, but the representative forgot to waive the late payment and interest fee. They transferred me to Jazz at Macy 's. She removed the charge of XXXX ( {$37.00} late fee x 5 months ) and said it was effective today. Jazz advised me to check with Macy 's credit services about the negative rating on my credit report.
Product: Money transfer, virtual currency, or money service

Coinbase pro closed my account and will not give me access to my transactions so that i can file my taxes for 2021. They do not respond to emails. Their customer service people refuse to help me via phone. There inaction will be costing me money in fines if i can't get my taxes filed or file the wrong info with the IRS. Please provide me with my crypto currency transaction log. This all started in XXXX of XXXX. Now going on 5 months without any resolution.