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

**Complaint Regarding Unauthorized Credit Card and Erroneous Reporting** To Whom It May Concern, I am writing to formally dispute the existence of an alleged credit card account under my name with XXXX Credit Card, which I was first made aware of in XX/XX/2018. According to the records unjustly associated with my name, this account has been marked as delinquent, an error that has unjustifiably tarnished my credit report.

**Details of the Dispute : ** 1. **Allegation of Existing Account** : In XX/XX/2018, it was brought to my attention that there was a credit card account opened under my name with XXXX. I unequivocally assert that I have never authorized the opening of this account, nor have I engaged in any contractual agreements with XXXX for such a financial product. 

2. **Request for Proof Ignored** : Upon discovering this discrepancy, I immediately contacted XXXX requesting proof of the credit card agreement and any signatures or evidence supporting my alleged consent or involvement. To date, XXXX has failed to provide any such documentation, thereby not substantiating the existence of this purported account. 

3. **Erroneous Credit Reporting** : Furthermore, this non-consensual account has been reported as " late '' on my credit report as of XX/XX/201XXXX XXXX XXXX his incorrect reporting has adversely affected my credit score and has had significant negative implications on my financial standing and reputation. 

**Actions Taken : ** - I have repeatedly contacted XXXXXXXX XXXX customer service to rectify this situation, requesting the necessary proof of the alleged account and its associated transactions.

- I have also demanded the immediate removal of this account from my credit report due to the lack of evidence supporting any authorized engagement on my part.

**Resolution Sought : ** - I urgently request a formal investigation into this matter, with the expectation that XXXX will provide all relevant documentation evidencing the alleged consent on my part for this account. 
- I insist on a complete removal of this account from my credit history, including any negative remarks related to supposed late payments. 
- I seek confirmation in writing from XXXX acknowledging the closure of this matter and the correction of all erroneous information transmitted to credit reporting agencies. 

I trust that you will address this serious issue with the urgency and diligence it warrants. Please contact me at your earliest convenience to confirm the receipt of this complaint and to update me on the progress of your investigation.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act, it is essential to ensure that consumer reporting agencies carry out their duties fairly, impartially, and with respect for consumer privacy rights. TransUnion XXXX and XXXX, as consumer reporting agencies, are obligated to respect my privacy, as stated in 15 USC 6801. Furthermore, according to 15 USC 1681, these agencies must only furnish a consumer report based on the consumer 's written instructions, to which they do not have my consent. Additionally, 15 USC 6802 requires a financial institution to provide an explanation of how a consumer can exercise the nondisclosure option, which has not been provided to me. The agencies are also reporting adverse information without my permission, which is in violation of the law. Moreover, they are not maintaining reasonable procedures as required by 15 U.S. Code 1681e, and I am choosing to opt out of their reporting services, as allowed by 12 CFR 1016.7.
Product: Payday loan, title loan, or personal loan

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2014 60 days late in XX/XX/2014 60 days late in XX/XX/2014 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th and final complaint against this bureau. I have sent several affidavits yet They refuse to properly address them. 

I have never been provided the methodology for these alleged accounts on my report. 
1. XXXX XXXX XXXX XXXX ( 2x ) 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX They have refused to provide : 1.name ( s ) of representatives spoken to at the above institution 's that they allegedly verified these accounts with.

2. Complete account number ( s ) 3. Time, phone number called, date spoken with 4. Title of rep spoken with to allegedly verify these accounts.

5. Methods used to verify 6. Complete name, ssn, dob of alleged account holders ' name.

7. Date account was opened, reported etc 8. Name of representatives at above institution 's that opened these accounts 10. Branch Locations where these accounts were allegedly opened 11. The original, signed documents/contract from the above institution 's 12. Notarized, Affadavit from creditor ( s ) stating who the debtor is.

In addition, this process has went om for 1 year with no resolve.

I am being held hostage and my credit is being adversely affected in the process.

I demand that these accounts be deleted immediately as you have not done what was necessary in the allotted timeframe.

In addition I have repeatedly started that no other names are mine beside XXXX XXXX.

Yet they continue to illegally report other names that don't belong to me.

They clearly have me mixed up with someone is.

I have repeatedly stated that no other addresses being to me besides XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Yet they continue to report addresses on my report that don't belong to me.

This is illegal and unfair. Justice will be met.

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

I sent a 2 requests CERTIFIED to both XXXX  and Transunion XX/XX/2020 and XX/XX/2020 to investigate the negative accounts on my credit report and they have yet to respond. I attached the notice of delivered. I have proof that they received my letter and did not complete the investigation in the time given by the FCRA. This is a blatant violation of my rights and I shouldn't have to continue to have a hard mark on my record because they didn't complete their investigation
Product: Checking or savings account

I decided to close my wellsfargo since Im having a hard time to deposit a check using my mobile up. And dont want to use it anymore
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Bureau credit reporting agency , block 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 : XXXX  - XXXX XXXX XXXX XXXX BANK - XXXX XXXX XXXX - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of accounts/items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Company name - Loancare My Email to Loancare ( XX/XX/XXXX ) - NO RESPONSE FROM THE COMPANY AFTER SEVERAL ATTEMPTS Please see below. I believe I have an issue with multiple payments made towards Mortgage Insurance. 
You can see on the ledger below that three payments were made in XX/XX/XXXX, one for {$220.00} on XX/XX/XXXX, and one for {$450.00} ( a double payment ) on XX/XX/XXXX. 
At that time, I spoke to our loan servicer ( XXXX XXXX ) and they assured me that the double payment made in mid XXXX would be noted and applied correctly ( applied to XXXX and XXXX of XXXX ) and at that time, we had a credit with the mortgage insurance provider. 

I now see that Loancare made an additional payment on XX/XX/XXXX ( applied XX/XX/XXXX ) for {$220.00} towards our mortgage insurance. I am confused as to why a payment would be made when we were told we had a credit through XXXX on the account. 
Please confirm and advise how this will be reconciled. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute request via XXXX XXXX for an collection account that the creditor ( XXXX ) agreed to delete from my creditor report due to me paying the entire balance so I could re-instate insurance with them. The debt of {$120.00} which was reported by XXXX XXXX XXXX XXXX XXXX XXXX was paid in agreeance to delete to the original creditor XXXX XXXX XXXX and it was paid on XX/XX/XXXX ( receipt attached ). The representative at XXXX told me that the system will update overnight and they will notify the collection agency to remove my account. On XX/XX/XXXX I received a update from TransUnion that my investigated was updated as " Accurate '' and they added a remark to the collection that reads '' Account information disputed by consumer, meets FCRA requirements ''. It still shows I owe this {$120.00} balance. It still is showing on my report when the original creditor, XXXX, agreed to delete. I attached the proof of my payment to XXXX the original creditor. In addition, I do not believe they did their full investigation to see my claim. I called XXXX on XX/XX/XXXX and was told that the account should be removed. They already sent notification to XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon being denied from a lender for " multiple inquiries '' from Transunion report, I decide to check my reports from all credit bureaus for accuracy. I have realized that there were a few credit inquiries on my Transunion that I DID NOT authorize and had no knowledge of. I contacted Transunion and had no relief. Please see that the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation none of these companies received any identification or authorization from ME to pull my credit for any reason.     1.  XXXX   XX/XX/XXXX   2 .   XXXX   XXXX   XXXX    XX/XX/XXXX  3.  XXXX   XXXX   XXXX   XX/XX/XXXX   4.    XXXX   XX/XX/XXXX
Product: Checking or savings account

I'm on XXXX and have been for XXXX  years now at least. XXXX pay date is XXXX of every month and for last XXXX or XXXX months I have had it going into my cash app account via direct deposit which cash app does usually release this deposit a few days early as do most banks these days. There's no problem with that but my XX/XX/XXXX check was deposited on XX/XX/XXXX in the amount of XXXX dollars and XXXX cents which is my check amount after insurance is deducted by XXXX before they send it. Anyway I didn't notice till a few days after that that XX/XX/XXXX deposit happened because I checked the amount in my account a few different times and it was XXXX so finally I investigated by looking at transactions/deposits page maybe 3 or 4 days later when i saw it had been deposited XXXX XX/XX/year>. Then that same day there were XXXX reversals XXXX for {$990.00} and then another one for {$750.00}. So I naturally contacted cash app support and they told me these reversals were per request of ssa treasury. Then I contacted ssa treasury and they said they did not request nor did they receive these XXXX reversals and added that if they had or did recieve these XXXX payments they would rerelease my benefit check back to me but they of course couldn't release if they didn't recieve them. Since then for a month and a half or how ever long it's been I have contacted both of these XXXX organizations XXXX XXXX times a piece and they both maintain these stances on this issue. I will say the ssa treasury did provide a trace number for all there showing regarding this issue and that was the trace number for my deposit that showed it was completed on XX/XX/XXXX to XXXX XXXX  which is cash apps bank. On the flip side of this cash app support has offered XXXX proof of anything other than maybe 9th or tenth time i called them after being on phone with a man for ahalf hour or so typed an email to send me while getting me to tell him 5he transaction dates and times so he could send that to me as the proof or documentation i had been begging them for so many timrs before this conversation. I can't believe they are allowed to handle folks money without keeping records and on top of that they refuse to replenish money they weren't authorized to take from m6 accoun5 and won't prove they sent it where they sent it so I can get my money back. I'm a little angry. I'm a month behind on bills and broke already this month trying to play catch up. Without this missing deposit which just vanished into thin air XXXX I will stay behind for a while. I need yall to please help me in finding this check that XXXX can find and cash app don't seem like they care enough about me as a client to fix this issue or provide proof that I can take to ssa to get my lost money if they are telling the truth about the ssa requesting 5hat money. Thanks so much for your time and hard work hopefully helping me resolve this issue XXXX
Product: Credit card

This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent. XXXX XXXXXXXX stated that they are not reporting this account
Product: Checking or savings account

On XXXX, I attempted to make a purchase on XXXX using my XXXX XXXX XXXXXXXX debit card. The transaction was blocked due to a XXXX Secure ( XXXX ) verification issue. However, when I called US Bank, they falsely told me there was no hold on my account, causing delays. After wasting XXXX minutes on hold across multiple calls, I finally verified my identity, but by then, I had missed out on a time-sensitive sale, forcing me to pay more. 

I requested an explanation, a resolution to lift the restriction, and a goodwill credit for the financial harm caused by their delays. US Bank refused to provide compensation, falsely claimed debit card users do not qualify for goodwill credits, and told me the only way to file a complaint was by mailing a letter to a XXXX XXXX XXXX which is unreasonable. 

XXXX Banks failure to communicate clearly, unnecessary delays, and refusal to compensate me caused financial harm and extreme inconvenience. I am requesting a written explanation and compensation for the financial loss they caused.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I found that someone elses furniture account ended up on my credit report. I at first thought it was stolen identity and filed a police report.An investigation was done and the investigation showed that the person had a similar name as me but they intact used their own social security number.the police concluded that the credit bureaus made a mistake. I sent experience the information proving it was not my account and more than a year later they still refuse to get this account off of my credit report.Prior to this my credit score was over XXXX is now below XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my credit report under the Fair Credit Reporting Act ( FCRA ) Section 611 and Metro 2 compliance standards and Pursuant to 15 USC Code 1681S-2. Specifically, I am concerned with the reporting of certain collection accounts reporting as " open accounts, '' which is incorrect and misleading.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Checking or savings account

I had a checking account with chase bank, that I opened in.person. my account wasn't overdue, overdrawn and I had no outstanding balance or negative transactions. A few weeks ago I opened a savings account online via the mobile app and deposited XXXX chase money orders that I intended to use for something else bit never did. Chase restricted my account and then closed it citing possible fraud. I went to XXXX different branches and spoke with XXXX different bank managers and they both said that they were not sure why this happened even after I presented proper identification.i feel that chase has economically distimanted against me due to my financial status.
Product: Credit card

I have a credit card with Capital one. I had a problem paying my bill due to our business almost closing and my account due to our accounts being hacked. I have had to switch my bank so I can make proper payments which I made minimum payments on XX/XX/XXXX. My credit card has this restriction. I am submitting this claim because I have been a loyal capital one customer since XXXX. I need this restriction lifted so I can have access to my credit when I make payments and not to have my credit destroyed.With this say. My account as obviously hacked. I filed a police report and need assistance. This is going to damage my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Saturday XXXX, XXXX, XXXX I received a piece of mail with a return address in XXXX, TX. It looked like junk mail, and I had moved last year from that area of Texas. I opened it without notice that it was not addressed to me. Inside was an Experian credit freeze report XXXX on a XXXX XXXX XXXX XXXX. I have owned this home since XXXX XXXX, and moved in XXXX XXXX. I had never heard of this man. I felt bad for opening it and decided to call Experian. However the phone number on their report was automated with no way to reach a human. I listened to the recordings and determined that in order for XXXX XXXX to have received such a report, he had to have committed FRAUD using MY address. I then began to look into who he was, a convicted FELON with multiple counts of theft and drugs dating back 20 years! I showed his tattooed photo to neighbors who confirmed he once rented the home where I now live. So, on Monday, XXXX XXXX, I sent a letter to Experian which included information on two issues I had with ID theft locally from XXXX and XXXX of this year and in the process learned someone had opened a PO Box in my name in XXXX. My letter to Experian included a recent bill with my name at my address. There is a police report in XXXX XXXX, GA XXXX and they were notified as well. The answer I received from Experian was STUNNING! They claimed I was NOT authorized to give them the information on XXXX XXXX likely FRAUD using MY address! I then contacted them on XXXX directing them to county property records that proved my ownership and was told the problem was with the MAIL service! I then contacted your bureau asking for a mail copy of a complaint form that never came. Anyone paying attention?
Product: Debt collection

My tenant was served papers at XXXX of my rental properties for a debt that the attorney office is attempting to collect. My tenant advised that the papers were merely left on the front door step and when they went to see who had come to the door they found an envelope that was not addressed to anyone, so they opened and found summons papers addressed to myself and wife. 

I am disputing this debt for the following reason ( s ). This debt does not belong to me. Additionally this was improper service. My home is XXXX miles away from the house that my tenant was served papers at.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. It proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 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