23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My checking account with American Express Serve was defrauded and there were 6 transactions where {$540.00} total was stolen. I have tried everything I can, including following American Express ' procedure of investigating this fraud. They have done nothing to refund me my stolen money and have denied my claim even though these transactions were not done by me or anybody I know. 

I don't know what else I can do. They clearly did not do an in-depth investigation because otherwise my money would have been refunded. I call and keep getting the run around and they won't let me speak to anyone in the fraud investigation department. I was instructed to write a letter, which I have done, but I have no faith anything will come of it. 

This is wrong. I entrusted them with my money, and their card and my account was compromised because my card never left my pocket and nobody on Earth but me knows my PIN number. Instead of refunding my money, which should be insured from fraud, they have done NOTHING.
Product: Credit card or prepaid card

Our clotheswasher broke so went to Sears to shop this was the Wednesday after XX/XX/XXXX ( XX/XX/XXXX ). Very knowledgeable salesman helped us and convinced us that we should open a Sears Account to get free delivery and installation, and other benefits that an " ordinary '' customer would not get. Reluctantly agreed since we have very few credit cards and do n't want any more. 

Took an hour to do the transaction and answered invasive questions such as annual income and SSN ; started getting nervous. Salesman said we 're done, hit a button, and a message printed saying that our credit could not be approved and we would receive a letter within 10 days explaining why. 

Salesman apologized ; said it had been happening a lot lately so if we wanted to use our own credit card, he would give us the same deal we would have gotten with Sears credit card. We said no way : CANCEL EVERYTHING, INCLUDING THE CREDIT CARD APPLICATION. He did it while we watched.

The next day, I started receiving emails from Sears
welcoming me to its Rewards Program. I unsubscribed and deleted them.

A few days later, I received a letter welcoming me to Sears and providing a Sears Account Number. I called the toll-free number and followed instructions to CLOSE the account. It said : ARE YOU SURE?? And I said " YES!!! '' Today, I received a Sears XXXX from Citibank. That is the final straw. I recently applied for a credit card for my small business and was told by my bank that the credit limit was being reduced because I had too much credit outstanding. I now realize it was this UNWANTED, UNAUTHORIZED Sears/Citibank Credit Card that has now impaired my credit capacity. 

This is OUTRAGEOUS : we only filled out the application in order to get our clotheswasher. We then WERE REJECTED by Citibank while at the store so we CANCELLED EVERYTHING : clotheswasher AND Credit Card. Then I get unwanted Sears Rewards membership, unwanted Sears Account #, and now, unwanted Sears/Citibank XXXX. 

By searching the internet, I know others have been scammed in exactly the same way. It is unacceptable scammy behavior!! They need to be disciplined ; I hope your agency can do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is showing 3 XXXX XXXX XXXX accounts on Chexsystem and one even shows the wrong social security number I have disputed these and they still remain on my record I have contacted XXXX XXXX XXXX they have sent me information showing accounts at addresses that I never lived at they show my social security number but they dont belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 15 U.S.C 1681 Section 602 A, States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2, it also states a consumer reporting agency CAN NOT furnish an account without my WRITTEN consent. Federal Law overrides any company policy. Please block and delete the following accounts from my profile : DEP OF ED/XXXX  {$57000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card at XXXX XXXX todayXX/XX/2020 and I did not get approved due to my credit score and history. I looked into it more and I discovered five accounts with bad payment history appearing on my credit. None of these accounts are mine ; I have never opened an account with any of those companies and I did not allow any other person to open an account with these companies using my name, social or address. I did not make any payments towards these accounts and I did not get anything as a result of these accounts that were opened on my behalf. I filed a police report with the information that I have so far.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to XXXX negligence. 

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within XXXX  days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am reaching out for your support concerning an inaccurate account on my credit report. This mistake has tarnished my reputation, and I require your help. The mishandling of my credit data has caused serious issues, and I need these inaccuracies removed to restore my family 's well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may consern : My identity has been stolen and accounts had been opened in my name with out my knowledge, this report is been created in effort to clear my name. 
A copy of my drivers licence and a utility bill is attach to confirm my identity. 
I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.
Product: Prepaid card

I bought 2 XXXX XXXX Amex Gift Cards for my girlfriend for XXXX and she is unable to use them virtually everywhere. I also tried using them online and in person at numerous locations after she gave them back to me and they were declined everytime no matter where I tried to use them. Amex customer service via phone and online confirms the that they are activated and have a balance of XXXX XXXX on each card, but yet I am unable to get them to work or be accepted anywhere we have tried to use them. Customer service service online gives me the run around and it is near impossible to speak to an agent and when you do get someone they say it should work and they do this to protect my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consigned for a loan, had a missed payment, and was never notified about it before it was reported late on my credit report. The payment was not made late. I got no phone call about it or any opportunity to make the payment. The account owner is also going to file a complaint today.  XXXX
Product: Debt collection

Upon pulling my credit report, I noticed that there is an account from IC System, INC in the amount of {$110.00} that does not belong to me. I do not know what this is for, and I have not heard from this company and had no knowledge of them until the account showed up on my credit report. Per the FDCPA, within five days of attempting to collect on a debt, the FDCPA requires a collector to provide validation of that debt. I have received nothing from this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 .S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the resuit of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XXXX. XXXX, XXXX under the account number XXXX, an auto loan account opened at AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under the account number XXXX, a loan account opened at XXXX XXXX XXXX. XXXX, XXXX and XXXX XXXX, XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX on under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknow account from XXXX XXXX XXXX  Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX incorrectly reported a 30 day late on my credit report due to technical error on their tech side. After documents and several dispute processes, all reporting agencies except Transunion have removed inaccurate reporting. I attempted to contact Transunion on multiple occasions only to hear every single time they are experiencing extremely high call volume. After a long wait,,,,, their call center is in XXXX with people that I can not understand! I opted to take part in a brief survey, big joke. No real survey. Survey company never contacted me. This horrible company is controlling my interest rates and loan approvals???? REALLY!!! NO!!! This must stop!
Product: Credit card or prepaid card

Here are all the documents Barclays has asked for. This is getting exhausted that Im being told Im responsible for fraudulent charges that are not mine. There are charges on the account that have been charged over 3 times as well. 

This whole investigation is a mess. I have police reports and statements showing the marked fraudulent charges. Im giving Barclays 1 more chance to correct this. 
I have contacted an attorney and they over looked all this and have stated I have a strong case. A representative marked some charges as fraudulent which theyre not and is making this whole case a confusion. And Ive stated that before. Barclays thinks because of that 1 charge that I should be held responsible for the other 30+ charges which is FALSE! I have attached the statements for each account and putting a CHECK MARK on which charges are fraud. 

Please re credit all the charges Ive marked on the attached documents or we will peruse with an attorney instead.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ) HAVE NEVER SIGNED UP OR PLACED AN APPLICATION FOR A CAR. 

XXXX  XXXXXXXX XXXXXXXX XXXX ( finance ) havent applied for a loan ever XXXX ( bank ) not sure what this is but never applied for that as well XXXX XXXX ( Bank ) again never applied for a bank loan or credit in. a while so this is inaccurate. 

ive reached out to each of these companies and they have not fix this problem i need these unauthorized inquiries off my credit report removed and all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022, my identity protection service notified me that there had been a credit inquiry from Capital One where I do not have an account and never applied for a credit card. I called Capital One to inform them of this. 

On XX/XX/2022, I received a Capital One Credit Card in the mail. This was not a credit card offer but a genuine card with directions to call for activation. I called Capital One again that same day and after being redirected a number of times, I was finally put in contact with their fraud department and was told that they would do an investigation. I have not heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Experian concerning to previous complaint about the inaccuracy being reported on my report. However, Experian have failed to provide me any feedback and updates with regards to my concerns. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX BANK XXXX Date of inquiry. XX/XX/XXXX XXXX  CARD Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account was paid, closed, removed, in XXXX. The last 8 months or so pro collect has been reporting this account as new and every month has sent it to the bureaus. My credit scored has been demolished because of this and because its an apartment its showing on any housing that I apply for. I received a letter saying that a company has illegally obtained my information and has my information. I have called multiple time. Filed a dispute for this same account 3 times and instead of fixing this issue they keep saying that this is valid. I have spoke with them and the feedback I am receiving is more concerned with me paying another {$3000.00} instead of fixing there mistake.
Product: Debt collection

I'm disputing several debts with XXXX XXXX XXXX XXXX. They actually sent this account to a collection agency. Which is AAMS LLC. I disputed this debt recently with AAMS. I then received itemized bills from XXXX XXXX XXXX XXXX saying address unknown. I informed the collection agency in the last complaint that I've been a victim of identity theft and they refused to remove this negative information from my credit report. If these charges were in fact incurred by me, why is the address unknown? No other information was given and why didn't they bill my insurance? XXXX XXXX XXXX, XXXX XXXX XXXX. No other hospital or pharmacy that I actually received service from had a problem billing my insurance. You all need to bill the insurance and remove this negative information from my credit report. If this is not resolved, I will take further action. 
The account numbers are below XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that LANDMARK FINANCIAL SER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

I requested Experian remove information that was being reported without my consent according to 15 USC 6802 obligations with respect to disclosure of personal information that is nonpublic information but Experian stated that it meet FCRA which is not true according to 15 USC 6802 no company had my consent to provide information to a third party of non public personal information.
Product: Credit reporting or other personal consumer reports

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to get these issues fixed on more than one occasion. I've also sent a complaint to my local Senator 's office because I'm not getting any results. What's most upsetting is, that I've sacrificed my life for this country, and now a XXXX Veteran is being treated unfairly in my country. I asked for an investigation that was not thoroughly completed. I sent letters out on XX/XX/2022 ; XX/XX/2022, and XX/XX/2022, to XXXX, XXXX, and Equifax. Here is my tracking XXXX ; XXXX ; XXXX. However, the credit bureaus said they completed the investigation and everything was 100 % accurate.

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I surrendered a vehicle I could not continue payments on. I was informed of the actions that would be taken. The car would be sold at auction and any amount would be credited to the owed balance. This company sold the car and the next owner claimed insurance damage and received money from insurance leaving a claim on my insurance.This is fraudulent on behalf of Ally Financial. I have been harassed about payment. 1. the insurance claim is fraudulent, 2.Documents pertaining to all gross made of the vehicle sale, insurance money, taxes, fees and the unpaid balance that was remaining has not been provided after requesting multiple times. 3. this company has sold a debt to a collection agency in an attempt to collect a debt and not provided the received amount sold for. this amount is to be applied to the owed balance since this is what the money received is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

The listed company has used my credit report in violation of the F.C.R.A by reporting inaccurate information that has impacted my credit profile negatively. Ive disputed this account which resulted in the company removing the exact accounts from my credit profile reported by the other credit bureaus yet fails and refuses to remove the remaining reported accounts in direct relation to the accounts disputed and removed between XX/XX/XXXX- XX/XX/XXXX. I request as resolution that any accounts directly related to this listed account information be immediately deleted from my credit report. 

-Account info- Account name XXXX XXXX XXXX XXXX  so known as XXXX  XXXX  XXXX Account number XXXX Account type Collection Responsibility O  Individual Date opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment XXXX  halance A
Product: Credit reporting or other personal consumer reports

On the date of XX/XX/XXXX i received a copy of my current Equifax credit report and noticed outdated information. The following account : XXXX XXXX XXXX is aged over 8 years and still reporting on my credit at which is a clear violation of my rights. The stated account reflects a last payment date of XX/XX/XXXX. Also I have noticed that Equifax continued to add late payments to this account long after the said account was charged off. Please stop violating my rights and remove this account from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a payday loan from XXXX XXXX XXXX in XX/XX/2020 and I paid it back on time one month later. Then I received another payday loan XX/XX/2020 and paid it back on time one month later. I have recently noticed I have two hard inquiries from them I did not authorize them to do a credit check, nor did they disclose to me that they were doing a credit check it was literally a four minute interaction I was borrowing money from my own paycheck..On top of that they did too hard credit checks within a one month period for the exact same amount.