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

I recently found that there are several fraudulent items on my ChexSystems report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and W2. I don't want to receive a letter asking for more proof of identity because it was all attached in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm requesting a Reinvestigation of every XXXX listed below because I did not authorize that my credit be run like this. This makes no sense to me at all! I want to know why these companies ran my credit report this many times, the way they did. This is definitely a violation of my rights In Accordance With the Fair Credit Reporting Act. These items could not have been reviewed or investigated correctly, look at how many times my credit was repeatedly run back to back! Incorrect Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is inaccurate reporting, which is a violation of my federally protected rights. I am really upset about this obvious oversite, and it seems as though someone is deliberately trying to ruin my credit. XXXX XXXX XXXX section XXXX A. States that I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : XXXX that the consumer reporting agency can not furnish an account without my written instructions. I never provided any kind of written instruction for my credit report to be run like this. Someone should have noticed these mistakes other than myself! I am really upset about this type of inaccurate and negligent reporting. XXXX XXXX XXXX ( A ) ( XXXX ) XXXX that no consumer reporting agency may make any consumer report containing any of these items of information. My authorizing any company to run my credit report like this is False. XXXX XXXX XXXX ( A ) ( XXXX ) 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. This is this is apathy to me. It's also plain to see that no consumer would give consent to run their credit back to back like this, knowingly ruining their credit, especially me. Someone should be held responsible for this and deletions done immediately.
Product: Credit card or prepaid card

In XXXX, someone fraudulently used my identification to open an account at XXXX XXXXSYNCH which is serviced by XXXX XXXX. I did n't know this had been done until I received a letter from XXXX XXXX stating this account was 60 days past due and was getting ready to go to collections. I contacted XXXX to tell them this was not my account. The manager I spoke with at this time took my statement and told me it would be handled by the Fraud Dept. He also said that it would be in my best interest to pay the minimum due each month, {$84.00}. because if the investigation was not resolved in my favor I would not have to pay monies due back all at once. I set up for {$84.00} to be automatically deducted from my checking account starting in XXXX to pay in account XXXX. 

I received a letter in XXXX XXXX, stating that the investigation was completed and the claim had been resolved in my favor. 

In XXXX XXXX, I called XXXX XXXX to see what I needed to do to be reimbursed the monies I payed on this account. I was told I had to send them all documents showing where I payed on this account. I was told I could mail and/or fax the documents to them. They gave me their address ( ATTN : Payments-XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX ) and fax number ( XXXX ). I was told it would take 30-40 days from the date they received the documents before I would receive my refund. In XXXX XXXX, I mailed and faxed every bank statement and billing statement that showed where I had payed on this account. 

At the end of the 40 days, XXXX XXXX, I had n't heard from XXXX XXXX so I started calling. From XXXX to XXXX XXXX I have been calling and continuously got transferred from customer service to the fraud dept to investigation dept and resolution dept. 

In XXXX XXXX, I called XXXX XXXX again to check on the status of my reimbursement. I spoke to another manager. She told me I should wait another 15 days to hear something from them. If I do n't receive anything then maybe I should mail or fax the documents again. I told her I was not going to fax or mail anything again because I would have to wait another 30-40 days from the receipt of the newly send document for a responses. Plus I told her it cost me {$60.00} to fax the documents the first time. I asked her if she, the manager in the Fraud Dept, could reach out to the dept where the reimbursement is supposed to come from to check the status. She told me she could n't that dept could only be reached by mail. I 'm at my wits end at this point. Each and every time I have called XXXX I 'm transferred from one dept to another and back to the first one I called again having to begin at the beginning explaining everything all over again to each person I 'm transferred to.This has been going on from XXXX to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a writter request to block information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, I have account in my file that do not belong to me. Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX, Equifax and XXXX concerning the dismissed bankruptcy that should be removed from my report. They have not removed it as of XX/XX/18. 

This bankruptcy was filed under the false advice of my attorney who stated that it would allow my home arrearage to be lowered and to save my house from foreclosure. As you will see from the attached letter that I sent to my trustee, my attorney failed to act appropriately and in my best interests which eventually led to my having the case dismissed and ultimately turning over my house in a deed in lieu.

The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.
Product: Vehicle loan or lease

On XX/XX/XXXX I requested statements for my auto loan for year XXXX. Representative assured me they will be sent within 5-7 business days. Two weeks later i had to call back and they were unable to send me the request due to error of last representative. New representative is again unable to send me statements for XXXX since all my banking was online. My auto loan was through Suntrust and since the merger with Truist, they have unable to comply with my requests.
Product: Debt collection

XXXX  XXXX debt, was charged off in XXXX XXXX XXXX, However collection company has called several times. I inform them to provide information pertain to debt in writing. To Please stop Calling Me, Never recieved the information i requested, I continue to get text message regarding that debt from debt collectors. The name of the collection agency is MRS BPO, PHONE # XXXX. The message are coming constantly beginning around XXXX, XXXX, XXXX, up until now. My rights have been violated. I never Provide written consent to furnish or obtain my personal information. The debt was XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

The website took me to lenders who have a history of stealing people 's information and don't intend on approving the percentage of applicants they say they approve. They recommended websites with ads and cookies I didn't want that were also spam. I now have a hard inquiry on my report because of their falsehood. I was told a soft pull. They lied multiple times. The lenders took my information and kept contacting me for months.
Product: Credit reporting or other personal consumer reports

I had a loan with XXXXXXXX XXXX XXXX and the vehicle was repossessed because I was XXXX XXXX XXXX XXXX XXXX and the company is reporting inaccurate/inconsistant information to all 3 credit bureaus and negatively affecting me to obtain new credit.the fair credit reporting act states that im entitled to 100percent accuracy on acounts reporting to my credit file and XXXX XXXX is violating my rights.please investigate and delete this account from my credit report XXXXXXXX XXXX  account # XXXX the balance, date of last payment, payment history, payment amount, term length, account status, credit limit, are all reporting inconsistent information.delete account immediately.
Product: Debt collection

In XX/XX/XXXX my identity was compromised and as a result I called all the banks and companies that I had credit cards with. Everyone was helpful in closing, freezing, or changing accounts except for XXXX XXXX XXXX. When I called them in XX/XX/XXXX to inform them of the problem to ask them to cancel the cards - they would not do so and did not cancel them. Nor did the person escalate my call to the security department or refer to me to a website where I could file a formal written complaint. After this I logged into the XXXX XXXX XXXX website to see if I could find how to report the problem. I saw no alerts to set up and under my profile in the section of income was listed {$100000.00}. I have never made a 6 figure salary and do not know how this got changed? I changed the salary amount to what was correct for me. That lowered the credit limit on the cards. For 2 1/2 years I paid on a mount that would not go down - about {$600.00} per month totals to about {$14000.00} ( rough estimate ). This does not include what I had paid prior to XX/XX/XXXX. The amount on the statement never changed and in fact towards the end started to go up. I called XXXX XXXX XXXX several times trying to figure out what was going on and got very little help. One time the person even told me not to worry, " because you can't take it with you. '' I ran out of money trying to pay this amount off in XX/XX/XXXX ( my savings was gone ). 

After I stopped paying I received notices and a notice about a charge off. I tried calling the numbers they said to call and never could get through to anywhere to leave a message or talk to a person. Then in XX/XX/XXXX/XX/XX/XXXX received a notice that a civil suit had been filed against me by XXXX  XXXX XXXX I picked up the suit and hired a lawyer. The law firm representing XXXX XXXX XXXX is a local firm here in Georgia. With my lawyer we filled out the papers and answered the questions and sent them to the firm representing XXXX XXXX XXXX. Per my lawyer, no reply from the law firm was ever received. So XXXX  of this year ( XXXX ) my lawyer asked to be released from the case. I had said that I had prove of payments in of bank statements showing that payments had been sent. 

As of XX/XX/XXXX ; the local law firm representing XXXX XXXX XXXX has filed a request for this case to appear in court without a Jury in XX/XX/XXXX. My lawyer 's withdrawal request was approved on XX/XX/XXXX So as of now I have no legal counsel. 

Because I do not have legal counsel now, I thought perhaps filing this with the CFPB might help bring about new insights and closure to this case.
Product: Credit card

On XX/XX/XXXX, I received the following email from AMEX : Dear XXXX XXXX : We'd like to remind you that your payment is due If you have already sent or scheduled your payment, thank you and please disregard this reminder. 

Please see the information below for the convenient ways you can pay. 

Account Ending XXXX XXXX XXXX {$450.00} I assume this is for a personal loan of {$8000.00} that I recently took out with them. However, I have been checking my online portal every week to see when this has been added, and it wasn't. Still isn't today. So I had no way of knowing when it was due. I figured they would add it soon. 

This morning I reached out about this and spoke with a chat agent, asked them to waive the late fees and add my account to my online portal and then I would make the regular payment. They refused, and said I had to pay the total due, which includes quite the late fee and interest. When I told him I would pay once the late fees were removed and the account was added to my online portal, he said my late payment would be reported to the credit agencies. 

I have a great credit rating and am 99 % on time with all credit card and loan payments, and always pay more than is due. In my opinion, this is fraud. And I want it corrected.
Product: Money transfer, virtual currency, or money service

I am the representative payee for my mother and use chime Bank to do money transfers and other such financial transactions to take care of her bills and needs. On XX/XX/XXXX, I went to transfer money to my mother in the amount of {$50.00} and send it to her new phone number at the time which the money never was received by her. Since these types of transactions are typically instant with chime I contacted them immediately in which they told me the funds were transferred to the account number associated with the phone number. The advised me that they did nothing wrong at chime and he would go ahead and enter a dispute for it to research it further but did not expect it to be awarded. It was in fact denied and I called back up to open another claim and this time ask for supervisor in which I believe they just opened another claim and said they'd let their supervisor know. In the meantime I did open a claim with the social Security fraud administration complaint handling and have not gotten an update as of yet on this matter. I still have yet to get a resolution on the funds delivered to the wrong account. What happened is that the number for the individual who used to have the phone number before my mother still has this number setup on their account. Rather than having a verification in place for these situations they allow the automated system to deposit the funds and refuse anyone who isn't aware that they don't force the receiver to verify the number prior to issuing these funds to the account despite there being a risk of potentially not being who the funds are are intended for. I did advise the reps that I spoke with these are social security benefits that are intended for the beneficiary and if they go to the wrong person they really need to reverse that transaction since they advertise that they allow you to transfer to a person 's phone number but don't state that you risk a problem if you're not aware that the person may have an account setup with the same phone number but may possibly go to someone it's not intended for and then though you don't have access to lookup in their system if the phone number is associated with someone else that they refuse to refund the payment in these situations.
Product: Credit reporting or other personal consumer reports

15. U.S. code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. It has been more than 30 days and you are in VIOLATION of this law because I am a victim of Identity theft. Please delete these items IMMEDIATELY These following account XXXX XXXX XXXX Account # XXXX I I should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S Code 1681b- permissible purpose of consumer report ( a ) In GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no there : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights.NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding these accounts to be remove IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

These attachments are proof these agency are willing doing illegal and bias on reports. Violations under TILA Formal Demand for Removal of Unauthorized Hard Inquiry Under **15 U.S.C. 1681b**, a consumer reporting agency may only provide a credit report for permissible purposes, such as when I have given express written consent. Since I never provided such consent for this inquiry, its presence on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ).

Furthermore, under **15 U.S.C. 1681n ( a ), 15 U.S.C. 1681n ( A ), and 15 U.S.C. 1681n ( B ) **, any person who willfully obtains a consumer report under false pretenses or without a permissible purpose is liable for statutory damages, punitive damages, and attorney fees. This means that you too are in violation of federal law by continuing to report this unauthorized inquiry. 

I demand the immediate removal of this inquiry from my credit report. Failure to comply within **30 days** of receiving this letter will result in me pursuing legal action against all responsible parties, including but not limited to, filing a complaint with the **Consumer Financial Protection Bureau ( CFPB ) **, the **Federal Trade Commission ( FTC ) **, and my **State Attorney General 's Office**.

I have attached a copy of my credit report highlighting the disputed inquiry, as well as a copy of my identification for verification purposes. Please investigate this matter and provide a written response confirming the removal of this unauthorized inquiry and provide a numeric FICO score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Cards ( XXXX XXXX, XXXX XXXX ) were opened fraudulently under my name. XXXX and XXXX already verified I did not open them and removed them. Equifax has not removed them ( made over 7 disputes if not more ) I submitted Police Reports, Letters from the Military, Orders from when I went to XXXX ( a card was made while I was in XXXX  with the XXXX XXXX ), Identity Theft reports from the Federal Trade Commission, proof that XXXX and XXXX removed the dispute etc.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I opened an account with Binance US, an app based crypto exchange. I began funding the account with a combination of debit card purchases and an ACH transfer. Unfortunately, one of the ACH transfers was returned on XX/XX/2021. Binance then blocked my ability to process all transactions, including access to my fully processed and funded balance apx {$8000.00}. On XX/XX/2021, I deposited enough to cover my chargeback and Binance immediately withdrew this money ( no email, no notice and no record on transaction history of the withdrawal. As of XX/XX/2021, my account is still fully blocked and after submitting multiple tickets through their ONLY service option, I have received no response of any kind. As of today, they have held collected funds well beyond their standard hold periods of 5 days for debit cards and 10 days for ACH deposits. I am also unable to make trades within my account. This has caused a great deal of financial loss, as the crypto market fluctuates greatly each day and I am unable to adjust my portfolio. I estimate thousands of dollars have been lost and now my {$8000.00} is stolen/held outside of any reg CC, company disclosure or other legal guidelines for funds availability in the US. Turning to social media, there are hundreds of complaints that are identical and even worse than my scenario, including many claiming Binance has liquidity issues and is intentionally freezing peoples available funds for their own gain. Resolution would be to release my funds immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX are reporting accounts on my report that i have no knowledge of. I have disputed these accounts numerous times and yet they refuse to remove the unverifiable accounts from my report. The accounts are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.
Product: Credit reporting

My Personal information is wrong - My complete name is XXXX XXXX XXXX XXXX - DOB XXXX The problem is that Equifax consistently mixes the name of my Son XXXX XXXX XXXX XXXX. - I tried to go into their web site and correct the information however the site is not user friendly - They also ask you to submit information related to your personal data- However when you try to submit the information the site only allows for a very small data file. Thus not allowing to complete the upload - see driver license below - They have to many inquiries that are not related to me - instead some of those are related to my son. 

It is hard for him and for me to keep our credit reports accurate. 

Please have then removed the inquiries that are not mine and make my file accurate. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a couple of accounts that dont belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shows that I have a collection from the XXXX XXXX. They do not have any details about the collection amount or resolution. This collection was fraudulent and was reported and removed from all three credit reporting bureaus. It never reappeared on my XXXX  or XXXX report however, it reappeared on my Equifax report a few years after it was removed. I disputed this with Equifax but they did not remove it. I dont know how I can provide proof of a negative, this collection never should have been there in the first place and was removed originally, if they want to put it on my credit report they need to prove that it belongs there. Equifax has been unable to prove anything, they do not even have a dollar amount for this collection but they still show it on my report. It needs to be removed completely, not listed as paid because thats not accurate either, the collection was never valid in the first place.
Product: Money transfer, virtual currency, or money service

I have been laid-off for eight-month and I'm really struggling financially. My wife has an issue with PayPal. PayPal decided to hold -off her money for 180 days without any reason or notifications. Her friends advised her to take this issue to a Congressman in order to solve it. My family really needs this money, the money amount not that great but due to my situation still means a lot to us. Please advise.
Product: Credit card

Ive. Been a victim of identity theft I never got a credit account with affirm and its showing on my credit report