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

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

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.
Product: Credit card or prepaid card

This complaint is in regards to a credit balance refund that I have not received yet on my XXXX credit card. 
XXXX XXXX There was a negative balance of {$80.00} XXXX XXXX Sent an email to Macys requesting a credit balance refund check XXXX XXXX Emailed XXXX stating I didnt receive a check yet XXXX XXXX Called XXXX customer service regarding the check Ive never received yet. Customer service agent said it would recieve it in 7-10 business days. 
XXXX XXXX Called XXXX customer service again stating check has still not arrived. 

It is now XX/XX/XXXX and I still have not received my credit refund balance check of {$80.00}
Product: Credit reporting or other personal consumer reports

I had an unfortunate experience with Discover Card company. Despite filing a claim back in XXXX, it took until XXXX of XXXX for the claim to be processed. The fraudulent charges on my account are primarily digital, and there are also a few charges made at locations I have never visited or shopped at. 
Initially, Discover credited my account for these fraudulent charges. However, they later removed these credits, claiming that they had sent notifications to the cellphone that was stolen from me. As a result, Discover is now demanding payment for the same fraudulent charges that I had already paid while patiently awaiting the completion of the initial investigation. Furthermore, they have closed my account, which is adversely impacting my credit score. It's important to note that I have never missed any payments. 
At this point, I am in urgent need of assistance to recover the funds that were stolen from me and relieve the burden of being recharged for these unauthorized transactions.
Product: Student loan

This is the second time with the last 12 months that Nelnet has lost my payments. I reported them back in XXXX and they finally credit the 5 months worth of payments. I made payments in XXXX, XXXX and XX/XX/XXXX and those payments seem to be lost. They have been contacted and proof of payments but as of date, I heard no further status from them nor are my payments showing on my account. The following payments have been made : On XX/XX/XXXX - {$45.00}, {$49.00}, XX/XX/XXXX - {$45.00}, {$49.00}, XX/XX/XXXX - {$92.00}. The XXXX payments XXXX - {$45.00}, XX/XX/XXXX - {$49.00}, XX/XX/XXXX - {$45.00}, XX/XX/XXXX - {$49.00}, {$92.00}. 

I shouldn't have to provide them with my checking account statements each month. XXXX XXXX XXXX XXXX claims the payments are being deposit to their account and they received the handshake back that there were not any issues. I have been making payments this way for several years but something Nelnet started doing or not doing in XXXX, XXXX which is when this problem started.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiries Capital one, please delete most of the capOne inquiries The was a fraudulent freeze on my XXXX, so every time I applied for a pre-approved card it was rejected until I got the freeze removed, unbeknownst to me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Return Credit Score to XXXX. Credit Score Jail .
Product: Debt collection

I am writing to inform you I have been a victim of identity theft and many of my accounts were compromised without my consent someone from a company contacted me about a alleged debt. Date XX/XX/2018 Amount :  XXXX I sent a certified Affidavit to the third party company for alleged debt. I did not authorize the account and I do not have a contract with the company.
Product: Credit card

Hello I hope this message finds you well. I am writing to dispute the cash back for a transaction that I have repeatedly confirmed with customer service from XXXX to XXXX as eligible for the offer. I was informed that I should wait for the cash back to be credited to my account within 90 days. However, it has now been over 90 days, and I still have not received the cash back. After following up with customer service, I was told that this transaction is not eligible for the offer. 

I have screenshots of my conversations with customer service that confirm this transaction meets all the necessary criteria for the cash-back offer. I'd appreciate it if you could look into this issue and correct the error as soon as possible. 

Here are the details of the transaction : Credit Card Last Five Digits-XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$790.00} Merchant : XXXX ( Booked via Amex XXXX link , pre-paid ) Expected Cash Back Amount : {$79.00} Offer Details : Get 10 % back as a statement credit by using your enrolled eligible Card to make purchases of prepaid hotel bookings ( pay now ) online at XXXX/amex by XX/XX/scrub>/2024. Limit of {$120.00} back in total statement credits. 

Important Terms : Offer valid for pre-paid hotel purchases made online through the following link XXXX/amex using the pre-paid option at checkout ( pay now ) only. 
Excludes pay at property purchases and purchases made over the phone. 
Excludes all other purchases not made at XXXX/amex link using the pre-paid option at checkout. 

I appreciate your prompt assistance in resolving this matter. Please feel free to reach out if any further information or documentation is required.
Product: Credit reporting or other personal consumer reports

There are XXXX hard inquiries on my credit account that do not belong to me. I live in XXXX XXXX XXXXXXXX and have lived here since XXXX. There are many auto loan inquiries for businesses based in XXXX  ( I do not have a drivers license so I can not obtain an auto loan nor would I need to and I am not based in Texas ) there are other loan inquiries as well that do not belong to me. I do not have any paper work referencing these inquiries or loans as they were not made by me. There is also a rental leasing debt from The XXXXXXXX XXXX XXXX XXXX  which does not belong to me as I have never rented a full apartment on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  XXXX XXXX XXXX XXXX credit card company in continuously reporting incorrect information regarding the owner of this debit. Although the account was originally opened with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX the account has been closed and sold to a Debit Collector. This credit card company was not able to assist me because they no longer own the account. I have reached out to XXXX XXXX with their contact information being reported to all three credit bureaus after my credit report was obtained. Once the reports were obtained I notice the same information was reappearing showing the same incorrect information. I have made many disputes with the credit bureau agencies in an attempt to resolve this issue with this credit card company. 


Since this is the case and no resolution had been done ( on my behalf ) with above statement and recent complaint. I requested with the two credit bureaus to add a personal statement the two account on my credit report. They under false pretense took my statements/ information of what I wanted added to my report, but did not add the statement to the report as promised.
Product: Checking or savings account

My direct deposit was issued and not posted by Capital One Bank. I called but was not able to reach anyone and have not received any timeframe for resolution. O jave biis that are due or will ne past due. My car insurance payment had been returned due to non-sufficient funds because of this situation. They are failing to communicate any clear expectations.
Product: Money transfer, virtual currency, or money service

XX/XX/2019 I have an open dispute claim XXXX and reference XXXX regarding two transactions XX/XX/19 XXXX*XXXX XXXXXXXX Visa XXXX US Posted on XX/XX/2019 at XXXX Memo : Debit : Signature purchase from XXXX XXXX*XXXX XXXX Visa XXXX US  {$490.00} XX/XX/XXXX XXXX*XXXX  XXXX Visa XXXX US Posted on XX/XX/2019 at XXXX Memo : Debit : Signature purchase from XXXX XXXX*XXXX XXXX Visa XXXX  Us {$490.00} My account has been compromised and these are unauthorized fraudulent charges. I have contacted the company Zelle case XXXX and there were able to verify that these charges were not initiated by me or from my account. All of the transaction details will be provided to my financial institution. I have mobile alerts set up and received no notice about these transactions. I have since deactivated any association with Zelle and cancelled my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time notifying the credit bureaus of my issue with identity theft. The accounts included in this dispute were not opened by me and need to be deleted from my credit reports immediately. 

I don't understand how they are still reporting these accounts after I have notified them of the issue. 

I am also a victim of the XX/XX/XXXX data breach so my information could be in several other peoples hand. 

Please delete these accounts immediately.
Product: Credit reporting or other personal consumer reports

I contacted Experian regarding have the below companies removed from my hard pull credit inquiry section. 

The reason for doing so is that I did not authorize a " XXXX XXXXXXXX '' of credit searches in an effort to get me approved for a loan. I believe that this is unfair practice to a consumer who unknowingly is having their credit harmed by several hard credit pulls with an unlimited volume of inquiries until a person qualifies. When does the search stop? At what point does a consumer have an opportunity to say, " I would like one check, '' or " 5 attempts and if we can't get approved then okay. '' If you can ask a consumer for a credit check and the check runs " blindly '' then, the consumer is clearly being taken advantage of by an inquiry that can last as much as a year in harming credit.

I do not know who all of the below companies are and why they have my information and or how my information is being protected and or governed. 

I simply want this information removed and Experian does not seem to have the better practice. 

I advised that XXXX allows for a dispute on said inquiries and their response was silence. They realized that this was clearly an option they chose to enforce at the detriment of the consumer who's hands are tied. 

This is unfair practice, please help. 

The Involved companies are as follows : 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
Product: Credit reporting or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, LexisNexis/XXXX  used an intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. LexisNexisXXXX reported my private nonpublic and personal information to affiliated and non affiliated third parties without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Credit reporting or other personal consumer reports

Formal Complaint of Violations : Under Federal Privacy and Consumer Protection Laws Parties Involved : XXXXXXXX XXXX XXXX XXXX USAA Federal Bank XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and Other Third-Party Agencies Allegations : Violation of Privacy Laws ( 15 USC 6802 - XXXX XXXX XXXX XXXX XXXX XXXX and USAA failed to obtain express consent before sharing my personal financial information with third-party entities. 
These institutions did not provide an opportunity to opt out, as required under federal law. 
Unlawful Reporting of Consumer Information ( 15 USC 1681b - Fair Credit Reporting Act ) : Credit reporting agencies furnished my consumer reports without a permissible purpose as defined by FCRA. 
Derogatory information was reported on my credit file without written consent or authorization. 
Extortion and Conspiracy ( 18 USC 894 - Extortionate Credit Transactions ) : XXXX XXXX and USAA allegedly conspired with credit agencies and third-party collectors to extort payments and punish me through the use of derogatory credit reporting. 
This action constitutes extortion and has caused significant harm to my financial standing and personal well-being. 
Identity Theft and Unauthorized Information Sharing ( 18 USC 1028A - Aggravated Identity Theft ) : My sensitive information was mishandled, traded, and sold for profit by these institutions and associated agencies. 
These acts were performed without my consent or lawful authority. 
Supporting Facts : The information shared with third-party entities was done without providing an opt-out mechanism or obtaining my consent. 
Derogatory information remains on my credit reports despite no permissible purpose for the initial furnishing of the data. 
My personal and financial information has been exploited for profit, with no communication or agreement on my part to authorize such use. 
Legal Violations : 15 USC 6802 : Failure to ensure privacy and consumer consent for sharing financial information.

15 USC 1681b : Furnishing consumer reports without permissible purpose. 
18 USC 894 : Extortion through punitive credit reporting practices.

18 USC 1028A : Misuse of sensitive personal information without lawful authority.

Requested Remedies : Immediate cessation of sharing, trading, or selling my personal and financial information. 
Removal of all derogatory information from my credit reports. 
A formal investigation into the practices of XXXXXXXX XXXX USAA, and involved third-party agencies. 
Compensation for damages incurred due to these violations, including but not limited to financial loss, emotional distress, and legal fees. 
Assurance of compliance with federal privacy and consumer protection laws moving forward.
Product: Debt collection

XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX AM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX AM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) XXXX ( XXXX ) XXXX ( XX/XX/2024 XXXX PM ) This is just few of the numerous repeated calls. The list goes on. Please let me know if there is anything else needed
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX acct # : XXXX I am submitting this formal complaint against Equifax due to ongoing inaccuracies in the reporting of an account on my credit file. Despite initiating multiple disputes with Equifax and receiving explicit assurances that the information in this account is " verified '' and accurate, the reporting of inaccuracies still persist. This indicates a failure to conduct a thorough and reasonable investigation, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681i - Procedure in Case of Disputed Accuracy ( a ) 5 ( a ) ( i ).

According to the FCRA, if, after any reinvestigation, information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency is obligated to promptly delete or modify that item of information based on the results of the reinvestigation. 
The specific discrepancies on my Equifax credit report are as follows : 1. Last Reported Date : Discrepancies exist across all three credit bureaus.

2. Date Last Active : Variances are observed across all three bureaus.

3. Payment History : Discrepancies exist across all three bureaus. Notably, in XX/XX/2021, I was not 30 days late for this account, a fact corroborated by both XXXX and XXXX, both of which reflect my current status for that month. I have attached supporting documentation highlighting these inaccuracies for your review. 

Furthermore, my requests for original documentation, signatures, contracts, and details regarding the verification method for this account have gone unanswered by Equifax. This lack of response exacerbates the adverse impact on my creditworthiness, leading to credit denials and hindering my ability to secure housing for my family. 

Given the evident failure to conduct a thorough investigation, which is a Fair Credit Reporting Act ( FCRA ) violation, I am not requesting a re-investigation. Instead, I am demanding that Equifax promptly deletes/removes the late payment regarding this account from my Equifax credit report, as mandated by the FCRA.
Product: Checking or savings account

Wells Fargo closed my checking account for unauthorized charges that I did not make. They have reported me to XXXX and have not provided me with proof of these unauthorized charges or an opportunity to dispute them. Additionally, Wells Fargo closed my secured credit card with no warning and did not provide a reason why. Wells Fargo has been discriminatory against me, and has not provided proof of why they closed my checking account and secured credit account. I did receive a payment from the class action lawsuit however where they admitted wrongdoing on the part of their employees opening fraudulent accounts. Not sure if one of their employees used my account fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two disputes to Transunion for my XXXX  XXXX account being reported late as of XXXX and XXXX of XXXX. The XXXX XXXX account was CLOSED and paid in full on XX/XX/XXXX. For some reason, XXXX XXXX reported it OPEN and LATE even though I called XXXX  XXXX and they apologized and said they will add a note to update the report with the accurate information which they mentioned that the account was paid in full on CLOSURE date and was never late. I disputed with XXXX and they removed the late payment and properly closed and documented the account. 

The first dispute was on XX/XX/XXXX and Transunion came back and still reported my account as OPEN and late but they removed XXXX and kept XXXX as late ( what? ). I then submitted another dispute on XX/XX/XXXX and they came back and reported my payment history to be 100 % but my pay status was late 30 days even though the payment history has already been updated as never late and the pay status does not even say when the account was late which was ridiculous. I have tried to reach Transunion multiple times and their representatives keep telling me to dispute again. I should NOT dispute an item three times for Transunion to get it right or investigate right. They probably never even contacted XXXX XXXX. Corrupt company and disgusting behavior.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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
Product: Credit reporting or other personal consumer reports

I am writing to urgently request assistance regarding the deletion of an account from my credit report. The account in question, XXXX XXXX XXXX XXXX XXXX XXXX XXXX was settled in full on XX/XX/2024, with the explicit agreement that it would be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. The 1st incident reported was XX/XX/2021. Even after I locked all 3 of my credit reports and added a fraud alert on XX/XX/2021. Several attempts to obtain credit and open bank accounts in my name have been made. One particularly event.

Actually 13 attempts using various variations of my name where used to acquire a covid relief loan through the US small business administration on XX/XX/2021. This was reported immediately on XX/XX/2021 to the US Small Business administration ( reference # XXXX ), CFPD, FTC and a police fraud report with XXXX XXXX XXXX in XXXX PA. 
* My issue here is the hard credit inquiry causing a negative effect on my credit report that will stay for several years. I have made several attempts to have the US small Business association and Experian credit reporting agency to have the inquiry removed. Because I am a proven victim of Identity theft prior to this incident and I am not in business it should be removed. Both companies have stated it is the other companies responsibility to remove it.
Product: Debt collection

On XXXX XXXX around XXXX XXXX an individual from Diversified Consultants Inc. called my home number looking for XXXX XXXX. My wife answered the phone and told them ( 1 ) we do not know who this is, ( 2 ) no one by that name has ever lived at this number and ( 3 ) we have asked and been told multiple times when this company has called the number would be removed. They told us today it would happen. Problem is they always promise and then call back. On Thursday, XXXX XXXX, around XXXX I spoke to XXXX XXXX, told him the issue and asked to talk with a manager, he put me on hold and then the line went dead. I called back at XXXX XXXX, spoke to someone and asked to speak with a manager. I was transferred to XXXX XXXX in XXXX FL at XXXX. XXXX promised me my home number would be removed from their files. This is the second time I have filed a complaint about this issue. The last time was in XXXX of this year. Your agency told me the problem was resolved. It is my opinion they simply " sold '' the file to a sister company in a different state. Not sure how else to explain this.