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

On XX/XX/XXXX of 2022, I tried purchasing a flight ticket through XXXX app. The app froze and charged my card twice. I couldnt even cancel the second ticket because I never received a confirmation email. I contacted both Wells Fargo and XXXX a handful of times explaining the issue and filing a dispute. Both Wells Fargo and XXXX have not done anything to get me my {$370.00} back. My dispute was reversed by Wells Fargo as well. I am a XXXX year old single mother who is in XXXX full time. This is ridiculous. Where did my {$370.00} go? This issue needs to be resolved between the Wells Fargo and XXXX.
Product: Credit card

I HAD  XXXX  CAPITA L ONE CREDIT  CARDS COMPROMISED DUE TO IDENTITY THEFT. WHEN I CALLED  XXXX  APITAL ONE AND LET THEM KNOW I WAS NOT THE ONE THAT REQUESTED THE NEW CARDS OR CHANGED THE  ACCOUNT INFORMATION THEY TOLD ME THAT THE FRAUDULENT CARDS WOULD BE CANCELLED AND NEW CARDS ISSUED TO ME. THIS WAS ON  XXXX  -2017. THE NEXT DAY I REC EIVED AN EMAIL THAT THE BALANCE OF  XXXX  OF THE CARDS HAD BEEN PAID IN FULL. THE ACCOUNT THAT PAID THIS WAS NOT MINE AND I ASKED THAT THE PAYMENT BE REMOVED DUE TO THE PRIOR DAYS EVENTS. THEY SAID IT WOULD JUST FALL OFF THE ACCOUNT IF IT WAS NOT A LEGITIMATE PAYMENT. THEN I RECEIVED AN EMAIL FROM THEM SAYING THAT MY NEW CREDIT CARDS HAD BEEN SHIPPED VIA   XXXX   XXXX    XXXX . WHEN I TRACKED THE PACKAGE THEY WERE SENT TO THE FRAUDULENT ADDRESS IN  XXXX   XXXX  FL AND SIGNED FOR BY  XXXX   XXXX . I ASKED THE FRAUD DEPARTMENT HOW THE CARDS COULD HAVE BEEN EXPRESS SHIPPED AFTER THEY TOLD ME THE CARDS HAD BEEN CANCELLED. THEY TOLD ME THEY CAN ONLY DO ONE CANCELLATION IN A  24  HOUR PERIOD. THEY HAD NO NOTES THAT THEY HAD EVEN SPOKEN WITH ME ON  XXXX  -2017. THE O NLY CARDS OF MINE THAT WERE COMPROMISED WERE ISSUED BY CAPITAL ONE AND I 'M A BIT CONCERNED THAT IT COULD BE AN INTERNAL ISSUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a fraud report number XXXX. Involving XXXX   account # XXXX please review documentation. Trade line has already been removed by original furnisher XXXX XXXX XXXX. Removed by other CRA s. Review Documentation, fraud accounts must be removed ASAP according to FCRA guidelines.
Product: Student loan

I am still being charged interest on my loans even though I am currently on the save plan with a $ XXXX monthly payment.
Product: Credit reporting or other personal consumer reports

The company CAINE & WEINER is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. 1. In accordance with the written instructions of the consumer in whom the report relates. 2.They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act. As the letter I wrote to THE company clearly states that I opt-out of all authorization I might have given you written unwritten verbal or nonverbal. According to the Privacy Act of 1974 my WRITTEN CONSENT IS REQUIRED for you to report anything to a 3rd party vendor. According to 15 USC 6802 obligations with respect to disclosures of information section B Opt-out I was not given an opt-out notice or an explanation of how I can exercise my right to my nondisclosure option. According to 15 USC 1681a IT IS ILLEGAL TO REPORT TRANSACTION HISTIORY. YOU ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX  XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reference # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, GA XXXX.
Product: Vehicle loan or lease

I sent this XXXX to XXXX. XXXX/ XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Lendmark Financial Services XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date XX/XX/23 Re : Unauthorized Credit Inquiry To Whom It May Concern, I recently received a copy of my credit report. The statement showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed.

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX. I sent FTC report, PA license, XXXX XXXX determination letter, adverse information letter, and utility bill to Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington DC XXXX XX/XX/2023 Experian Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX Subject : Fraudulent Account Dispute on Experian Credit Report Reference Number : XXXX Dear Experian Consumer Assistance Center, I am writing to inform you about a fraudulent account that has appeared on my Experian credit report. I recently discovered this account, and I am deeply concerned about the potential identity theft or fraudulent activity that may have occurred. I am reaching out to request your immediate assistance in resolving this matter and restoring the accuracy and integrity of my credit report. 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Discovery : XX/XX/2023 I have never had any dealings with the creditor listed above, nor have I authorized any account with the account number mentioned. The appearance of this fraudulent account raises serious concerns about the security of my personal and financial information. I want to emphasize that I have taken extensive precautions to safeguard my identity and prevent any unauthorized access to my accounts. 

In accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I am formally disputing the legitimacy of the aforementioned account. I request that you conduct an immediate and thorough investigation into this matter to verify the authenticity of the reported account. Given the nature of the situation, I urge you to expedite this investigation to ensure the protection of my personal and financial interests. 

Enclosed with this letter, please find copies of supporting documentation that attest to my innocence and lack of involvement with the fraudulent account in question. These documents include identity verification, account statements, and any relevant communication with other creditors or financial institutions. 

I kindly request that you take the necessary steps to remove this fraudulent account from my Experian credit report as soon as possible. Additionally, I ask that you provide written confirmation of the actions taken to address this dispute and the subsequent updates made to my credit report. 

I understand the gravity of this situation and am committed to working collaboratively to resolve this matter efficiently. Please feel free to contact me at XXXX or XXXX if you require any further information or if there are additional steps I need to take to facilitate this process. 

Thank you for your urgent attention to this issue. I appreciate your commitment to accurate credit reporting and your assistance in protecting my financial well-being. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have diligently followed all the necessary procedures in disputing these accounts. I've contacted the companies, and they assured me the issue was resolved. Law enforcement has been involved, and I've provided a FTC report, which they confirmed as valid. Furthermore, XXXX and XXXX have complied with legal requirements and removed the accounts. However, Equifax seems to be presenting obstacles, claiming I haven't completed all the necessary steps. Despite repeatedly submitting my claim to Equifax for years now, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. It appears Equifax is failing to fulfill its legal obligation to process the identity theft report eventhough the companies already removed the accounts from the other bureaus. I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically FTC, a federal entity. I seek a resolution to this matter that adheres to proper procedures. Please DELETE the accounts : 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: Money transfer, virtual currency, or money service

My cash app was accessed by an unauthorized person and money was sent to a user. Cashapp was notified and is reviewing my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Leasing agreement with XXXX XXXX of XX/XX/XXXX. 
Monthly payments : {$490.00} On XX/XX/XXXX I signed up online on XXXX for a recurring Payment Plan Schedule. 

The same day, I got a confirmation from XXXX XXXX, that the plan would start as per XX/XX/XXXX and the Money would be withdrawn from my Bank account with XXXX XXXX XXXX, account ending of XXXX. 

In addition, I was informed that the plan would be in effect until cancellation, in which case I was advised to visit XXXX XXXX XXXX on the account summary or contact XXXX XXXX XXXX XXXX. Furthermore, I was informed that if I had any questions about the recurring payment plan related to my account XXXX I could contact XXXX XXXX directly. 
All signed by XXXX XXXX, XXXX XXXX XXXX, XXXX Texas. 

XX/XX/XXXX I visited the website and paid the XXXX XXXX payment since I was unsure if the plan would cover that payment as well. 

The next thing I learned was on XX/XX/XXXX, that XXXX XXXX has reported me to the credit bureaus for an overdue account. 

When I called XXXX XXXX I was informed that the Recurring payment plan was for unknown reasons never made effective in their end. 

I claimed that I have a print of the confirmation of my subscription to the recurring payment plan and that I never got the information that it was not in effect. Also, I informed them that I never received any reminders or notice that I would be reported to the credit bureaus. 

The first person I spoke to was XXXX from customer service, who was kind enough to escalate the matter to the Executive Office, where I spoke to XXXX. 
She confirmed that my attempt was filed in their end, but again she could not explain why the subscription was not effectuated. 
She asked me to send a copy of the confirmation, which I did. 
After that, another individual from the Executive office called me and informed me they could not withdraw the report since it was my responsibility to make sure the payment plan was in effect. 

I informed her that the money was available at the account I had designated, so it has not only been my intention to pay but I was proven capable of doing so as well. 

I hereby complain about XXXX XXXX handling of my case and their report to the credit unions even though the lack of payments was their fault. 

It is important here that my credit score went from XXXX to XXXX, which undermined my capability of refinancing my house. 
Sincerely XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA
Product: Credit card or prepaid card

I recieved a reliacard from US Bank and I did not apply for unemployment benefits and I dont know why and dont need I'm retired.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and i am a victim of checking account identity theft and fraud. I was XXXX  from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. Upon my XXXX, I assumed I was coming out my money in my bank account that I had in it upon XXXX, upwards to {$24000.00}. Unfortunately, when I went to the bank to obtain my funds, I was informed that all the money had been transferred, withdrawn from my bank account, and forced CLOSED, due to a fake check that was deposited after all the funds were taken out by an individual that I dont know, personally, by the name of XXXX XXXX XXXX When XXXX XXXXXXXX  came to my apartment they XXXX XXXX XXXX XXXX XXXX it damaged and not fixed, witch I believe was the only way this person was to obtain my information and get into my account. The online check, transfers and wires were listed in her name and all of my personal information including but not limited to my address, telephone number, and email for the checking account were changed from my personal information phone number And address And email all now were changed to that associate with this XXXX XXXX individual. When I contacted Bank of America they sent out a packet to what I believed to be my address, and then upon non-receival realized that my address had been changed to hers so she received the fraud instructions. When I contacted Bank of America they sent a packet out to what I believe to be my address, and then upon non-receivable realized that my address had been changed to hers, so she received the fraud instructions via USPS mail rather than myself. This is when I recognize that all my settings on my account had been compromised and that it had to have been this woman, because even her home address was saved under that account.This is when I recognize that all my settings on my account had been compromised and that it had to have been this woman, because even her home address was saved under that account. I have proof of everything that i was XXXX between the dates listed above and now i am in a terrible financial crisis and struggling at this moment, and still not able to open a bank account at the age of XXXX. I was told by a friend to file a CFPB complaint that this would help with my situation. I did file one 6 months ago and never got a responds. Bank of America called me 1 time, and told me that I would be receiving something in the mail. I never received anything and I have called every week to this date XX/XX/XXXX and still havent got an answer back. Please, I need someone to help clear my name and help me with this situation. Thank you so much I really hope to hear back soon. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX Bankruptcy- Discharged XXXX doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information
Product: Credit reporting or other personal consumer reports

XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amount : {$800.00} Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX I asked for proof within thirty days or please delete this item off my credit report as soon as possible and No action was taken.
Product: Checking or savings account

I bought some items from a company whom then ended up never delivering the product and cut contact with me. I went to the bank to have the fraud charge reversed. The initial exachange of money was through XXXX XXXX whom I challenged the fraud charge with. Now a month later they reversed it again and left my account in the over drawn negatives and are taking the merchants side even though I have documentation it was all fraud
Product: Debt or credit management

I signed up with a credit consolidation and debt settlement legal group ( Palisade Legal Group ) through a company called XXXX. I gave them XXXX of my credit cards to work with to lower the amount of debt on each card and make payments to settle the debt. Over a period of 1 year, the only thing they managed to do was have my credit cards closed and lower my credit score. They charged me a monthly fee of {$570.00} totaling {$3900.00} and monthly service fees, account setup fees ( {$9.00} for 3 times ), enrollment in legal plan ( charged {$300.00} twice ) legal plan fees ( $ XXXX ), and settlement fees totaling {$2500.00}. During this time, they made XXXX payments of {$110.00} to XXXX XXXX. None of the other cards were paid or settled. I paid them a total of and received nothing in return. I called and asked them for a refund and they told me I didn't qualify for a refund. No reason why.
Product: Credit reporting or other personal consumer reports

I have tried to open an checking account at the discover bank seeing that I can open an savings account with them. They refuse due to the inquires on my XXXX XXXX file. I have been fighting XXXX XXXX to get my report and score to due disputes and see whats there and it took 6 months to finally get to sign in and now i cant see nothing on my report and notable to use the tools on their website. also finally recieved my report from XXXX XXXX and no report is found from any banks nor credit unions. On the other hand I have a ton of inquiries from trying to open an check account. Not being able to obtain one for the score they are reporting due to the inquiries is the problem, I have disputed the inquiries but they state they dont report a score and the inquiries should not be a problem. I tried contacting discover and they state they cant supply an answer for why they wont open the checking account and to contact XXXX XXXX. it is a burden to me and not getting no resultion.
Product: Debt collection

Credit Systems is inaccurately reporting a debt on my XXXX Credit Bureau Report, in the amount of {$120.00}. I called to inquire about this debt and was told they are collecting for a medical bill. I told Credit Systems I do not owe any medical debt to anyone. I requested for Credit Systems to validate the debt belongs to me by providing me with document bearing my signature according to the Fair Debt Collection Practice Act. And I was told they do not have anything bearing my signature.

I have repeatedly asked for evidence to support their reporting, but Credit Systems have failed to provide me with a copy of viable evidence to support their false claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX AV XXXX, CA XXXX ; XXXX XXXX XXXX
Product: Debt collection

Caine & Weiner had deleted this from my account and here 's the proof and they must of sold it to a cash buyer and it came back 5 months later and they added a charge doesn't suppose to have a balance on it no way so please delete it
Product: Money transfer, virtual currency, or money service

identify you and your account. 
I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have filed a dispute in XXXX with XXXX Credit Bureau for the late payment Chase credit card is reporting in XXXX. Chase credit card state I did not make a payment in XXXX and marked me as XXXX  days late. I have had that card for XXXX  years and was never late. I have proof I made a payment in XXXX and it was past the due date by a few days. XXXX came back with an update that shows they corrected it and XXXX  months later it pops up again. I have once again provided all of this information to all XXXX of the bureaus and Chase still reported it XXXX  days late in XXXX even though it was changed. You make a payment and then half of the payment they card interest payment the next day. I have had accounts with Chase when it was originally XXXX  XXXX. This is insane how this credit card company requests a payment, you make it and then they charge you half of that again in interest. Their payments due are always different on the app than what they show on the statements.
Product: Credit reporting or other personal consumer reports

I understand FCRA 605B requires us to delete any incorrect accounts from my credit report. Could you please examine the documents? Some of the listed accounts contain inaccuracies in reporting, with incorrect amounts and dates.
Product: Credit card

Someone opened a XXXX XXXX credit card under my name and spent {$750.00} without my consent. This is a case of stolen identity and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters asking for this egregious charge-off to be removed from my report as they have not provide the original credit agreement or original contract I signed for this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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.

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 or 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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX