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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I had a bank account with Wells Fargo, through which I also had a linked credit card that had a " protection plan '' on it for if I was ever hurt or laid off, and therefore unable to make payments. After years of paying the fees for it, when it came time to use the service ( I was laid off ) they made one payment for me then refused to pay any more. I sent in the appropriate paperwork then XXXX letters requesting the service be turned on, before I finally had to file bankruptcy and lost everything I owned. This was not my only credit card at the time, but it was one of the few with payment protection and it could have made a large difference, especially because I ended up being overdrawn and losing the bank account due to their overdraft fees - they would not stop charging against the account, *even after it was closed*. I never received a single response to any of the letters I sent requesting the service I had paid them for years for.
Product: Credit reporting, credit repair services, or other personal consumer reports

nelnet loan {$2100.00} opened XX/XX/XXXX Dispute dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account still being validated even after confirming with original creditor ( dpt of edu and nelnet ) that no record of this account exists under my SSN. Tried to tell XXXX that balance may belong to my brother and account was misplaced because of name similarities. Account still affecting my approval odds with future creditors. When asked for a supervisor from both XXXX and nelnet, was placed on hold. No one ever returned to line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting ID THEFT for awhile now and there are fraudulent accounts and info on my credit report that please needs to be removed and or blocked. All supporting documents have been sent in on several occasions now. The following info is fraud and needs to be removed thank you. 
1. XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX 2.XXXX XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Glasser and Glasser , PLC, XXXX XXXX XXXX XXXX, XXXX, VA XXXX, wrote a letter received XX/XX/XXXX demanding payment on an account ending in XXXX from XXXX XXXX XXXX. 
Their file number is : XXXX. I wrote a letter dated XX/XX/XXXX disputing this alleged debt and requesting full back up and break down of the alleged debt including any and all signatures of the person that owns this account and signed their agreement for the payment of the interest rate. Glasser and Glasser sent a letter with statements from XX/XX/XXXX-XX/XX/XXXX that showed during that period NO PURCHASES were made but they reflected an amount due with no proof of purchases. Their cover letter stated when the account was opened but no signatures were furnished. 
I contacted counsel but can not afford to hire counsel for this matter. Upon advisement, I wrote a letter of Failure by Creditor to provide requested information and proof of debt per the Fair Debt Collection practices/Fair Credit Act. 
I have copies of all these documents. 
Without serving me or contacting me Glasser and Glasser took a judgment against me and filed a Garnishment. The Garnishment was not posted or served but I found it on the ground at my home. I notified the court and have a hearing XX/XX/XXXX to remove/dismiss this Judgement and Garnishment. Per the Fair Credit Act, Glasser and Glasser should not have taken legal action after failing to provide the requested proof of debt. 
They have harmed me in such a horrible fashion. I wish to file a complaint have this company charged and fined with any and all areas of breach of law and Consumer harm. Your assistance is much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Wells Fargo credit card that was close to the limit for a trip to XXXX for my sons wedding few years ago. Had auto pay with Well Fargo card services and never a late payment for years. Sold my house XX/XX/2021 and loan officer said pay off card to increase my score for new mortgage. Loan officer re pulled credit for upstate and WF reported a 30 day late for XX/XX/2021 and my FICO plumited down and I can not get a mortgage. Payment was not late however they reported me 30 day late on credit report. This loan was paid off in full on XX/XX/XXXX and I have proof and WF confirmed but wants me to dispute with the credit agencies any can take too long.
Product: Checking or savings account

On XX/XX/XXXX a hacker cash a check in a Florida branch of Bank of America for {$8500.00} from my bank account from Bank of America. The description in my bank statement is : FL XXXX cash withdrawal from XXXX Banking XXXX XXXX XXXX Banking XXXX # XXXX FL Confirmation XXXX. 
I filed a formal complaint with the bank on XX/XX/XXXX. The complaint # is XXXX. I called the bank several times to reach a resolution and the bank have been telling me that it is under investigation. In the meantime, I do not have access to my {$8500.00} and it was the bank fault for paying this money. My last call was on XX/XX/XXXX ( more than 90 days since the incident ) and they told me that they have put my case for a speed resolution and they were going to call me in 24 hours, but I did not get any call. 
Please help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you regarding the bad situation happened with my credit report I just can not move on in my life having fake accounts and inquires in my profile. Could you please investigate this situation because my personal information was used and abused and these items are not mine. I want them to be removed.
Product: Credit reporting or other personal consumer reports

I have recently noticed some fraudulent activity like accounts opened on my consumer report and I have not opened theses accounts myself. These are fraudulent accounts and they are affecting my personal life.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   failed at my loan modification and my loan refinancing. Credit report went from  XXXX  to  XXXX . Many hardships occured from their failures. I am trying to reach out to credit report to correct. I need a  XXXX  credit score to refinance. It was  XXXX  when I first applied for a loan refinancing. After 130 days it failed.
Product: Credit card or prepaid card

On or around XX/XX/XXXX my credit card accounts were closed by Citi Bank. When I called Citi Bank asking them what the reasons are for closing my 2 credit card accounts they didnt have any reasons listed as to why the credit card was closed. I received a letter in the mail with a statement that my credit cards were closed and I was told by a Citi representative they had no reasons listed as to why the account is closed. The credit card company wants me to pay a bill payment on XX/XX/XXXX for {$290.00} on my XXXX XXXX Citi XXXX that has a balance of {$6600.00}. As for the other Citi XXXX Credit Card theyve sent me a bill to be paid on the XX/XX/XXXX for {$340.00} with a balance of {$5600.00}. I asked if I could take out my rewards they said, You have {$0.00} in rewards the account was closed they said I forfeited my cash back benefits of $ XXXX When they closed my account. Ive made several phone calls to Citi Bank and they say they cant do anything to help open my account back up.
Product: Debt collection

Please delete these accounts off my credit report XXXX. I have submitted disputes. These accounts are more than 7 years old. I received 1099_C for these debts and now have a tax bill for these debts. 


1. USAA FEDERAL SAVINGS B {$5000.00} Paid, closed 68 charge-offs 2. USAA FEDERAL SAVINGS B {$0.00} Paid, closed 22 charge-offs 3. USAA FEDERAL SAVINGS B {$0.00} Paid, closed Exceptional payment history 4. USAA FEDERAL SAVINGS B {$0.00} Paid, closed Exceptional payment history 5. USAA FEDERAL SAVINGS B {$26000.00} Paid, closed 71 charge-offs
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report. 
Incorrect historical data listed below : Incorrect Name - XXXX XXXXXXXX Incorrect Address - XXXX XXXX WAY XXXX, XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I also hereby formally dispute the accuracy of the following credit inquiries on my credit report : XXXX XXXX XXXX FIN - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX MOR - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX CO - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I filed a complaint against the credit bureaus, XX/XX/2018, requesting they validate the debt shown as collections on my credit reports. They send correspondence of the dispute to the creditors, and today I have not received the documentations bearing my signature on the original contract to the debt. I am not aware of this company as a duplicate debtor on my credit report and request validation.
Product: Credit card or prepaid card

Synchrony bank charged me a fee on an automatic payment that was made within the statement due date through their automated website process. I believe they do this as a regular practice against consumers. When corrected, they still show a balance due and can not fix it.
Product: Credit card

I was offered {$20.00} reward incentive to open a Sam 's Club XXXX at the checkout line. At the time I signed up they said that the credit would show up on my first billing statement. I got my statement today and there is no credit! I called their customer service XXXX and was told both times that the credit will show up in XXXX to XXXX billing cycles. Because of the deceptive practices I do not want this card at all. Sam 's Club XXXX is issued through Synchrony Bank. I also have written letter disputing this and have mailed it to them per their instruction on the back of my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX XXXX XXXX is reporting that I have late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But I never was actually late. This is a documentation error on their end. I even was emailed a confirmation from my payments. I've attached proof of payment. I don't want it to report that I was late when I really was. I pay all of my bill on time.
Product: Money transfer, virtual currency, or money service

I purchased crypto on the Coinbase exchange. I purchased {$200.00} of XXXX, and was met with a pending status on my order. This was back in XX/XX/XXXX, and I havent received the crypto or my money back. I have contacted support numerous times without any resolution. It seems like they have AI agents working as support instead of real people. A ticket was opened by Coinbase, but later closed with no resolution. The status of my purchase is pending 2 months later.
Product: Credit reporting or other personal consumer reports

" I am writing to delete the following information from my file. the items I deleted are listed in the report I am a big team of identity theft, and I did not make the charge. I reported the theft of my identity to the federal trade commission, and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. please delete these items as soon as possible. ''
Product: Credit card

In XXXX of 2016, my wife and I notice fraudulent activity on our Macy 's store credit card statement. We notified Macy 's of the activity immediately. They referred the case to the fraud department, determined that the activity was fraudulent, zeroed out the balance and closed the account ... or so I thought. Macy 's opened a new account without my consent. Now months later, the old fraudulent charges showed up on the new account that I did n't know was even open. I 've called Macy 's Customer Service and am on the phone with the fraud department again. The gentlemen has reopened the previous claim, and just told me that I have an active account with Macy 's even though I specifically requested closure of the account in XXXX and desired to no longer have a Macy 's account. Macy 's collection agency has called wanting me to pay off a cleared fraudulent charge and lots of penalties and late fees. I believe the fact that an account was opened in my name, without my consent or knowlege is illegal. I would like these accounts closed and I would like to have Macy 's reprimanded for these activities.
Product: Credit card

Just received unsolicited card. See attached I've been reading about scams increasing this time of year. 
I don't want the card and am very concerned about my personal data the sender already has. 

Please see attached
Product: Debt collection

I'm writing to disputed an unknown debt collection that I have been harassed by Cavalry SPV I , LLC. I have been received Mails and phone calls harassment to attempt to collect the debt that I did not inform. I believe my information has been used without my consent. Please investigate thoroughly as the phone calls harassment from Cavalry SPV I , LLC has caused me a tremendous amount of emotional toll and felt threatened by this company.
Product: Money transfer, virtual currency, or money service

I hold a business account with PayPal. My husband regularly sends me payments from his PayPal account and each time he does, the money is " pending '' and takes a couple days to be available in my PayPal account. Mind you, I have had this business account with PayPal for over a year and am a well established user. 

My husband sent me an E Check payment of {$60.00} from his PayPal account on Wednesday   XX/XX/18 at XXXX PDT. Today is XX/XX/18 XXXX XXXX and the transaction is still showing as pending in my PayPal account with the funds being held by PayPal . I checked my bank activity through XXXX XXXX XXXX, which is where the E Check payment was sent from and saw that the payment cleared on Thursday  XX/XX/18, one day after they original payment was sent. I contacted PayPal and was told by a representative that the money was not showing as cleared on their end and therefore it could not be released until XX/XX/XXXX. I asked to speak with a supervisor. While I was on hold with PayPal I connected through online chat to my bank at XXXX XXXX XXXX. I told the bank representative the situation and she assured me that the {$60.00} had in fact cleared the bank and should have already been accepted and received by PayPal. I then told the PayPal supervisor this information provided to me by XXXX XXXX XXXX and he told me that there was nothing that could be done. I then asked to speak to that supervisor 's direct supervisor and he told me that he would connect me and put me on hold. I then spent over 40 minutes on hold with PayPal. After being on hold for almost an hour and 20 minutes I then hung up. I also logged into my PayPal account and clicked on the pending transaction to open a dispute. An error popped up saying " We're unable to file a case on this transaction. Since this is money you've received, you'll need to contact the sender directly to resolve your issue. '' So I haven't received the money even though my bank has confirmed that it has cleared the account and that PayPal collected the funds and they refuse to release the money and then keep me on hold for an hour instead of transferring me to the supervisor and I can't even file a dispute? I even did research on the PayPal website to see their guidelines regarding ACH payments and there is no information on why they would continue to hold a payment after it has cleared a bank account. All I have to say is WOW! I do business with XXXX and they NEVER do anything like this. I feel completely taken advantage of and will never do business through PayPal again. I will also be filing a complaint with the XXXX XXXX XXXX.
Product: Prepaid card

I purchased a vanilla gift card for {$500.00} on XX/XX/23 at XXXX XXXX. Not even an hour later my funds were gone. XXXX transactions for XXXX. And the XXXX  transaction for XXXX. This took place XXXX hour after I purchased the gift card. I couldnt even call the merchant directly because they have no phone support only email. These people are experienced thieves. And worst is the vanilla gift customer service is no help. Only saying XXXX days for investigation and Im not even guaranteed the money back.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24hrs stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681I, WHICH MANDATES a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the consumer financial protection Act ( XXXX ), XXXX XXXX ( a ), ( 1 ) - ( B ), as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I request that the CFPB takes action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation
Product: Payday loan, title loan, or personal loan

XXXX XXXX alerted me to a " high probability '' of getting a new loan to refinance my car with AUTOPAY ( an affiliated company? ). Then after confirming my information ( identity, car ) they called me to say that I am qualified for the loan then rattled off the loan, interest rate, monthly payment. The monthly payment was HIGHER and so I said, no. I don't want the loan and the customer service person raised his voice at me and said " I MUST TELL YOU ABOUT ALL THE PRODUCTS YOU HAVE BEEN APPROVED FOR ... '' and went on to tell me that I was approved for their monthly oil change service, which was conveniently added to the LOAN and though he wanted to tell me MORE I said no. This is FRAUD. They were using my personal information to entice me to apply for something I DID NOT WANT NOR ASK FOR. This is fraud. Both XXXX and AutoPay should be punished and all those they defrauded should be compensated. They colluded to commit fraud upon me.
Product: Debt collection

I recently pulled my credit report and noticed a collection from XXXX XXXX XXXX with acct # XXXX. I have no knowledge of this account. I disputed this account with all 3 credit bureaus. This account is still on XXXX and XXXX. I do n't know what else to do, but this account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not only contacted the bureaus but I also reached out directly with the creditor thats reporting the inaccuracies and they sent me documentation stating I was in forbearance during the time frame that they are reporting the late payments. In order to report that I was ever late they should have documentation supporting their claim and they do not.

15 U.S.C 1681 602A states that U have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions. Not only have they not verified this information they are unjustly causing me harm to being able to have an Accurate credit report and maintain my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice that an account from XXXX is showing in my credit report that i do not know of, I think I am victim of identity theft, please help me to resolve this issue.
Product: Checking or savings account

froze my account costing me money i cant pay my bills b/c i put a dispute that i've been hacked now i'm late on all my bill cra and ftc violations
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 602 states I have the right to privacy 15 usc 1681 604a 2 also states a consumer reporting agency can not furnish an account without my written instruction. 15 usc 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.