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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # ( private case number ) 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

Left numerous messages for XXXX XXXX XXXX. This complaint also Includes ID XXXX, XXXX AS WELL. when consumers call XXXX we are prompted to leave a message. I have left 50 messages over the course of 2018 with no call backs. I have mailed sage stream to send me my report and they refuse to do so. They require photo ID when none of the other credit bureaus do not require it. I am not releasing sensitive information such as my photo ID to a company involved with scamming consumers and fraudulently utilizing credit reports. THE 3 AFOREMENTIONED companies COLLUDE to place negative items on report, regardless of 3 LEGITIMATE BUREAUS REMOVAL, and attempt to make u pay XXXX to remove them.please see XXXX  XXXX XXXX : XXXX : XXXX Contact addresses I sent requests to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX, CA XXXX I faxed them at ( XXXX ) XXXX They need to send my report to my home address and remove fraudulent info and ABIDE BY FCRA REGULATIONS Please note the mounting complaints via XXXX at following address. The same issues I'm having, thousands of other consumers are suffering from. FTC and cfpb need to work in conjunction conjunction to better regulate XXXX XXXX XXXX, a company with mounting complaints issued via FTC, CFPB, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that there was a delinquent account added to my credit report that is not mine from CONSUMER ADJ CO- XXXX. I have no record of this account and it is fraudulent. XXXX shows {$760.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT UPON TRYING TO PURCHASE A HOME TO NOTICE A STUDENT LOAN ACCOUNT : USDOE/GLELSI THAT REFLECTS MY CREDIT THAT I DID NOT OBTAIN NOR APPLY FOR. I CONTACTED ALL OF THE CREDIT BUREAUS ( EQUIFAX, XXXX, XXXX ) AND THE CREDITOR LISTED TO NOTIFY THEM OF THESE FRAUDULENT ACCOUNT.
Product: Debt collection

Receiving phone calls at work threatening to notify my employer of old payday loan debt. Advised caller I ca n't accept personal calls at work but he persisted.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX  Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

It's disheartening to note that these companies have failed in their legal obligation to address these disputes, as required by law. 

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
Product: Credit reporting or other personal consumer reports

People are using my credit cards and charging me they have used betweenXXXX-XXXX and making me pay for it and the banks do fraud they use other money I have to make it that I got it back my money which in reality there doing fraud to they also ruined my credit score
Product: Credit reporting or other personal consumer reports

I sent a complaint through the CFPB after Chex Systems repeatedly denied me access to complete a dispute online through their website. After my dispute through the CFPB, Chex Systems replied that XXXX. Our records indicate that ChexSystems has not received communication directly from you regarding this dispute XXXX. ChexSystems has received the copy of the documentation you provided with your complaint. The document does not clearly support the claim of identity theft or fraud relative to information in the consumer file at ChexSystems for the following reason ( XXXX ) : The documentation you provided is not signed by a law enforcement XXXX. 

The fact is, these are both completely false/irrelevant reasons to try and deny my dispute. 
My FTC is a affidavit which meets the requirement stated under 605b 15 u.s.c. 1681c-2.

Here is the definition of an identity theft report : identity theft report ( 4 ) Identity theft report. The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. 

Now, if ChexSystems continuously violates my rights and refuses to remove the requested items, items that are the result of IDENTITY THEFT, i WILL pursue litigation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXt is reporting loans that are older that 7 years old and it is messing with my credit balances. When I dispute this information with them I do n't get anywhere. The statute of limitations in my state is being exceeded and I would like XXXXXXXX XXXX XXXX to correct this issue and update my credit report for all 3 bureaus.
Product: Credit card or prepaid card

I bought a reservation for a camping pass in XX/XX/2023 with my Capital One Card. The Camping was for XX/XX/2023. The seller has a strict no refund, no cancellation, no date changes policy to the booking for the consumer. 2 weeks before the reservation, the vendor sent me an email that they were overbooked for that date, so made me pick a new date the following year. Capital One sent me a decline letter because its been more then 60 days since the charge. But according to XXXX 's own policy, I should have up to 60 days from data that services were supposed to be rendered. In addition, the bank is saying that seller has a no refunds policy so declining my dispute. But the seller broke their own terms and conditions of " No changes '', and in fact, the seller sold me services they didnt have ( overbooking ). Please help with this fiasco. The seller made the error by overbooking not me!
Product: Debt collection

Upon moving from XXXX location to another XXXX did not forward a final invoice for {$82.00} dollars. This has been paid but was late to XXXX due to their failure to invoice. G C SERVICES a collection agency has claimed the recover of the debt even though it was paid directly to XXXX. They have since put XXXX collection notices on my credit report and went as far as listing that I had an open account directly with them on my credit report. They do not respond to phone calls to their offices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX XX/XX/XXXX, I sent my XXXX and last dispute to all 3 bureaus via certified letters regarding information that is illegal according to the law- XXXX. There's MULTIPLE information ( false collections, paid acct 's showing contrary, false addresses, misspelling of my name, etc ) from companies that I've NEVER given permission to use my name, signature, etc to report to these 3 bureau 's. There's no contract with my signature to report from any of the information from as early as XXXX on back ; on my behalf. Today 's date is XX/XX/XXXX & there are OVER 56 inquiries & multiple false reports that I've constantly disputed to all three bureaus to no relief nor change! One great example is a 10+ year OLD closed bankruptcy that's FRESHLY reporting AS OPEN!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter certified to Equifax, XXXX, and XXXX  on XX/XX/2020 I would like to know why I have not received any response. From my understanding they have 30 days to respond it is now 60 days and according to FCRA if no response all unverifiable, inaccurate information must be removed. This is causing me stress as I am already getting over CVOID and I can't handle any more stress. I asked that you follow the law as you expect me to do and address my concerns in my letter.
Product: Mortgage

Amerihome lost a payment that was wired to them from XXXX XXXX XXXX, and are not properly investigating the issue. My XX/XX/2021 mortgage payment was made on XX/XX/XXXX, for the amount of {$1200.00} to my previous service provider, XXXX XXXX XXXX XXXX XXXX. {$1100.00} would have gone to my monthly due, with an additional {$100.00} made to principal. The confirmation number for the payment was XXXX. My mortgage was transferred to Amerihome Mortgage Company , LLC from XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. They made a wire transfer to Amerihome on the same day for that amount, under my previous loan number. Amerihome has failed to resolve this issue over numerous phone calls made. My current balance with Amerihome is inaccurate, and my account is erroneously listed as past due and needs to be adjusted to reflect the correct balance.
Product: Checking or savings account

Citibank offered a {$600.00} promo to add checking and savings account on line and mailed promos with minimum of XXXX and now refused to pay promo after 3 month time frame is well over being deposited in XXXX. 

I just spent another hour on the phone and supervisor refused to give me her supervisor or legal department and intentionally hung up and this was 2nd attempt so 2 hours of my time. 

I was told I had to have the promo ID which I guarantee was not provided on screen or I would have screen shot. I see on line they are doing this to many others. Don't let banks rip people off please.
Product: Checking or savings account

Two purchases were made fraudulently using my Wells Fargo debit card. The purchases were made to XXXX XXXX through the XXXX XXXX. 

My XXXX XXXX  was hacked. The orders were placed. Then deleted from the history so I can not look up. 

The purchases were for : {$530.00} and {$300.00} on XX/XX/XXXX I was told the claim through Wells Fargo would be handled within 10 business days. 

I emailed XXXX to ask to cancel the purchase as it wasnt me.
Product: Credit card

Someone who obtained my card number used it to book a flight on XXXX XXXX. Below is the timeline of the actions that I have taken. I have reported this to Goldman Sachs ( Apple Card ) three times, and today they reversed it again and put the charges back on my card. I will dispute it again with them today. Goldman Sachs ( Apple Card ) refuses to recognize this as a fraudulent charge. 

Attached to this form is the only documentation that they sent me attempting to document that it was a valid charge. 

XX/XX/XXXX @ XXXX the charge hit my card XX/XX/XXXX @ XXXX - first reported the fraudulent charge XX/XX/XXXX - Provisional dispute of {$580.00} was applied XX/XX/XXXX - Provisional dispute was reversed - I challenged it again XX/XX/XXXX - Provisional dispute was applied again XX/XX/XXXX - Provisional dispute was reversed for the 2nd time - challenged again XX/XX/XXXX - Provisional dispute was applied again XX/XX/XXXX - on a call with Goldman Sachs fraud department : - Agent name : XXXX - Supervisor with Apple Card ( said she was the only XXXX supervisor ) - XXXX will work with her management to make sure that this is resolved. 
XX/XX/XXXX - Provisional dispute was reversed for the 3rd time - challenged again XX/XX/XXXX - Provisional dispute was to be applied again. 
- Spoke with XXXX, XXXX XXXX Fraud Prevention
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Product: Checking or savings account

On XX/XX/2023 received the following emails addressed to me : 1 ) Bank of America asking me to verify email address 2 ) Bank of America informing me that my online application is in progress 3 ) Bank of America informing me that my application was approved On XX/XX/2023 received the following emails addressed to me : 4 ) Bank of America informing me that I am enrolled in online and mobile banking 5 ) Bank of America Welcoming me to online and mobile banking 6 ) Bank of America Welcoming me to mobile notifications on their Mobile Banking App. 

On XX/XX/XXXX, upon receiving these emails, I immediately contacted the Bank and informed them that I have not submitted any application online to open any account. The Bank closed the account. 

In my mail received the following from Bank of America related to the above account opening : 1 ) ATM Debit Card 2 ) Bank Statement for the period of XX/XX/XXXX to XX/XX/2023, showing {$0.00} balance. 
3 ) Account closure letter dated XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have talked to XXXX, XXXX, and Experian and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the ongoing issue of unresolved fraudulent items on my credit report. Despite multiple attempts to remove these fraudulent items, they persist on my credit report, causing me significant financial harm and emotional distress. 

I would like to provide a summary of my efforts to address this matter : I first became aware of the fraudulent items on my credit report. Immediately, I reported the fraudulent activity to your credit reporting agency and initiated disputes for each of the fraudulent accounts. 

Subsequently, I have made numerous attempts to dispute these fraudulent items by providing all necessary documentation and evidence to support my claims. I have also been in continuous communication with the creditors associated with these fraudulent accounts to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the fraudulent items continue to appear on my credit report, and they have not been removed, updated, or properly investigated by your agency or the creditors involved. 

These unresolved issues on my credit report have caused me significant financial hardship and emotional distress. I have followed the proper dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. Additionally, I ask for a written response outlining the steps your organization will take to rectify this matter and prevent future occurrences of fraudulent items on credit reports. 

I am aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I will not hesitate to take legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove these fraud items : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX -Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX -Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXDate of inquiry : XX/XX/XXXXXXXX XXXX-XXXX XXXXDate of inquiry XXXX XXXX XXXX XXXX -Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recall taking out this loan and agreeing to these terms as listed on my credit report. I have disputed this multiple times and not only do the credit reporting agencies not appear to fully investigate, XXXX  XXXX EVERY MONTH refreshes my date as if it's a new collection, thus negatively impacting my credit score. I have asked for properly validation of this debt and have not received any copies of signed contracts or agreements. I have only received screen print outs that do not provide validation that the debt belongs to me. I have attempted to resolve amicably so my mortgage would not have been denied and they refused. Every month, even when I have not actively disputed the account, XXXX XXXX FALSLY places an in dispute comment on my report which again caused my great difficulty and affeted me negatively in trying to obtain a mortgage. The last attempt at validation on or about XX/XX/19 that I tried and specifically asked for signed contracts or agreements, I was told they had it and would send, however I again received screen print outs which do not properly validate my debt.
Product: Debt collection

I reached out to AMAHERCOLLECTIONSERVICES via email regarding a verification of debt letter. However, I have not received any response or verifiable information in return. I contacted them XXXX XXXX after seeing the collection on my credit.
Product: Debt collection

A month ago I received a debt collection letter requisition payment on a debt that I don't recall ever taking out. I contact them to get more information and they told me that someone made a purchase with my XXXX XXXX  account that I have not use for more than 2 Years. They offered to file a fraud claim but they have not provided any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. I do not have a legally binding contract with this company. Additionally, there is no name associated with this file & needs to be deleted due to inaccurate information. PLEASE DELETE ASAP. 

Original creditor : XXXX Date opened XX/XX/2021 XXXX {$380.00}