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

To Whom It May Concern, I am writing to formally report that I have become a victim of identity theft, which I believe is a direct result of the XXXX data breach. This unfortunate situation has caused significant distress and inconvenience in my life. 

Recently, I discovered unauthorized transactions and accounts opened in my name, which I did not initiate or authorize. After investigating further, I realized that my personal information, including my Social Security number and financial details, had been compromised due to the breach. This has not only affected my financial standing but has also caused emotional turmoil as I navigate the repercussions of someone else 's fraudulent actions. 

In response to this situation, I have taken immediate steps to mitigate the damage, including contacting my bank, credit card companies, and credit reporting agencies to freeze my accounts and monitor any suspicious activity. I have also filed a report with my local law enforcement agency and am in the process of gathering all necessary documentation to support my claim. 

I understand the importance of resolving this issue promptly and appreciate any assistance you can provide in helping me restore my identity and secure my personal information. 

Thank you for your attention to this matter. I hope to resolve this issue as swiftly as possible.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX # XXXX -Date opened XX/XX/XXXX XXXX # XXXX - Balance {$530.00} XXXX XXXX # XXXX -Date opened XX/XX/XXXX -Balance {$600.00} XXXX XXXX XXXX # XXXX - Balance {$530.00} -Date opened XX/XX/XXXX XXXX XXXX XXXX # XXXX -Date opened XX/XX/XXXX -Balance {$5900.00} XXXX XXXX # XXXX -Date opened XX/XX/XXXX XXXX # XXXX -Balance $ XXXX Date opened XX/XX/XXXX Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

National Credit Systems continues to harrass me for {$2300.00}. This debt is invalid and inaccurate and should NOT be on my credit report. The joint owner as well as myself has reached out to this company MANY times to resolve this issue and the company has always been very dismissive and are not willing to listen at all. After round of disputes all they are able to provide for validation is a copy of the leasing agreement. In summer XXXX XXXX owner and I decided to perused this issue in court. Due to the fact that the account took place out side of the courts jurisdiction, the case was dismissed. After the court hearing, the attorney that was there to represent the collection agency approached the XXXX owner and myself and stated that he would agree to delete the account from both of our credit profiles due to the fact that the original jurisdiction was over XXXX hours away for both parties, and there was a lack of substantial validation. Because of this we took his word for it and believed the debt would be removed. We took his word for it and did not continue to peruse this in court. We were clearly tricked. Since then, the joint owners credit profile has been relived of this account but mine has not! After more rounds of disputing, and providing the document from the original creditor reflecting a balance of {$0.00} PROVING the debt was paid BEFORE it was a collection account back in XXXX, the collection agency keeps reporting the bet back as " verified ''. At this point I believe that this collection agency will do or tell you anything so they can get money money out of individuals regardless if the debt is valid or not. This matter should not be left up to this company. Thy clearly dont care that this is wrong. I would like this to be removed from my credit profile! They misled us and refused to cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2022 to XXXX, XXXX, and Equifax. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code $ 1681a - Definitions ; rules of construction. 

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

I would like to know who they talk to. 

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

Experian 's dispute process for uploading documentation to the Experian dispute website does NOT work, i have tried unsucessfully for 3 days. the agents on the phone are no help whatsover. ive mailed the documenation with no success either. 

this is unfair to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Experian failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I am filing this complaint because Optimum Outcome has ignored my request to provide me with the documents that their company has on file that was used to validate the account I disputed.I have sent a debt validation letter to Optimum Outcome and have yet to receive a response in regards to " my '' so called debt that was sent Certified mail and i have proof showing that it was received. I actually did received a response for a completely different person/account that does not even live at my location. Being that they have gone past the 30 day mark and can not validate these accounts, they are required to promptly delete all information which can not be validated. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit card

Disapproved BBVA Compass XXXX XXXX Credit Card based on information from ; XXXX XXXX Credit Report, Reason " Insufficient Credit History '' and XXXX Reason " " Unable to Verify Indentifying Information ''. Credit score XXXX out of possible XXXX ' Other reasons ; 1. Proportion of Loan Balances to Loan Amounts. 2. Prop of Balance to High Credit on Banking Rev on All revolving Accounts. 3. Too few Accounts Now Current.
Product: Credit reporting, credit repair services, 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. has violated my rights. 

( XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX For # C ) 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 card

Made monthly payment via usps money order through regular mail. Wells Fargo claims the payment was not recieved for credit card all other payments mailed were received and processed except credit card. I have a personal loan with Wells Fargo that was mailed on the same day XX/XX/year> and was posted to the account 3 days later. I was informed theres no grace period late fee of XXXX applies due to no grace period. I have not been late in 6 years never had an issue until now. Payments go to a XXXX XXXX XXXX they offer no means to assist just make another payment per tracking it has not been cashed. As a consumer its counted against me when it can be bad business practice and a means to gain late fees and addition financial gain. Very upset with years of history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  Account Number XXXX THIS ACCOUNT HAS BEEN CLOSED SINCE 2019, WAS PAID IN FULL AND I ASKED TO CANCEL THE ACCOUNT BEFORE LATE PAYMENTS HAVE WOULD BE PLACED. THIS NOT A CREDIT BASED IT WAS A SAVING CD CREDIT BUILDER ACCOUINT. THEY RECIVED ALL PAYMENTS AND REFUNDED MY TOTAL DEPOSIT. BUT LEFT 3 LATE PAYMENTS. THIS IS A VIOLATIUION OF 15 U.S. Code 1681i I NO LONGER OWN THIS ACCOUNT AND DID MAKE LATE PAYMENTS, PLEASE HAVE THIS ACCOUNT REMOVED AS IT IS HOLDING ME BACK FROM BE ABLE TO GET A AUTO LOAN AND I REALLY NEED MY CREDIT AT THE MOMENT. 

THE ACCOUNTS REPORTS 3 DIFFRENT LAST USED DATE WHICH ARE ALL FALSE AND VIOLATION OF 15 U.S. Code 1681i PLEASE REVIEW THE DETAILS ON THE CREDIT REPORT ATTACHED AND OTHER DOCUMENTS TO SUPPORT PROOF OF THIS THEY CONTINUE TO UPDATE THE DETAILS INCORRECT ALSO WITH WRONG STATUS AND DATES DIFFRENT ACROSS ALL 3 COMPANIES ANOTHER VIOLATION OF MY RIGHTS
Product: Credit card or prepaid card

I had 5 Chase credit cards, in XX/XX/2017, and Chase agrees, all were in good standing, paid in full and on time each month.  I cancelled a Chase Freedom card in order to apply for a different version of the freedom card, they sent me the new card and then cancelled all 5 of my cards because they stated they completed a random audit and decided I had too much open credit.  They did not notify me until two weeks later, via US mail.  Since then, I have applied for other Chase cards, mostly from the email offers they have sent me.  For each application, they do a hard pull on my credit report but won't tell me from what credit bureau they used, when they send the rejection letter.  The letter only states "Previous unsatisfactory relationship with this bank (Reference Number XXXX)".   I can't go back to the credit bureau, to correct any bad data, because that is not the reason given, nor has Chase ever given me a date of when this rejection will stop or if there is anything I can do to fix it.
Product: Debt collection

In XX/XX/XXXX, while undergoing the process of refinancing my mortgage, I was informed by the mortgage originator of an unexpected lien on my property. Subsequent investigations revealed that this lien originated from a default judgment against my wife in XXXX, concerning a minor credit card debt managed by a Florida-based debt collector. ( https : //raslavrar.com/ ). The judgment, obtained without proper service as evidenced by an inaccurate physical description in the service document, led to the filing of a lien against my property, which was not disclosed during our XXXX  XXXX bankruptcy filing in early XXXX. Further, I am suffering the consequences without any attempt at notification. 

I wish to express my concerns regarding this matter : XXXX. The lien 's association with my name on the county recorder 's website, despite my non-involvement in the debt, appears to contravene the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the publication of debtor lists that defame individuals not party to the debt. 

XXXX. The placement of a lien on a homestead property for a debt unrelated to the property itself contravenes Florida law. The collection agencies actions in this respect seem ethically questionable, particularly given their awareness of these legal stipulations. 

XXXX. My right to be notified and participate in legal proceedings that could impact my property was violated. The firm 's secretive continuation of litigation and the resultant lien on my property deprived me of the opportunity to contest the matter or settle the debt. 

Further complicating matters, during a recent call to the firm to resolve the judgment for my mortgage refinancing, I inadvertently overheard a discussion indicating their refusal to accept payment due to the bankruptcy, followed by a disconnection of the call. This incident, coupled with the firm 's approach to filing liens for credit card debts on homestead properties, raises concerns about unfair and deceptive debt collection practices. 

The impact of this situation has been multifaceted, causing not only financial strain due to delays in refinancing but also professional and personal embarrassment. The requirement for a payoff quote for the judgment by the mortgage company has inadvertently affected my professional reputation in an industry where trust and ethical conduct are paramount. 

In light of these issues, I am considering legal representation to address this matter, which regrettably will incur additional costs potentially exceeding the original debt amount. This situation underscores the need for diligent legal review and rectification to safeguard against such unfair practices.
Product: Debt collection

I just recently opened a dispute with Nordstroms. I had opened an account awhile back. I was incarcerated in XXXX of XXXX until XXXX of XXXX. During the holiday season someone stole my identity. XXXX says i signed for an extra card holder to the account around XXXX or XXXX of XXXX. Which i did not do because once again i was incarcerated. They told me that since i signed to have another person on the account i was held liable for the debt and had to file a civil suit with that person. I just find that ludicrous, cause they are the ones who wrongfully approved a person on my account. Why should i be the one that had to go through civil suits and all of the likes? Anyhow i would appreciate your help in resolving this matter. I Am trying to buy a house soon and this is hindering the process. I'm attaching the police report i filed for identity theft and a letter from the XXXX XXXX  XXXX XXXX. I disputed the same matter with XXXX  XXXX and they resolved the issue immediately! So i don't understand why this company is making it so hard.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax 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 Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX  : Paid an amount owed on a credit card. 
XXXX XXXX  : My credit scored increased XXXX XXXX XXXX  : After very careful consideration I used a pre-approval tool on the Credit Karma app/website and chose very carefully a card with good approval rate that was pre-approved. I was immediately denied. My credit score went down XXXX points. I ended up choosing a secured credit card which I am not using yet because I need to make a deposit due to me realizing in horror that my credit had suffered a Hard Inquiry and went down XXXX points. 

XX/XX/2024 : I tried for hours to contact customer service on their chat but no one ever answers. After more hours I found a number to Credit Karma which I believe they try to hide to not face their dishonest practices and disgruntled customers. I found out that this company is already being sued for these practices in the past! Had I known this I would've deleted the app and steered clear of this so-called company. The customer service rep said he would direct my issue to the appropriate department, and someone would contact me, but I am still waiting. I want them to fix my credit score and give me back those XXXX points.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern about the disputed accounts on my credit report. I have repeatedly brought these inaccuracies to your attention and consistently requested thorough investigations. Despite my ongoing efforts, no resolution or corrective action has been taken. These errors are causing significant damage to my credit file and are severely affecting my ability to live a normal life. The impact of these inaccuracies has created considerable hardship for me, leaving me with no choice but to urgently seek your help in resolving this issue. 

I respectfully request a comprehensive investigation into each of these disputed accounts. It is vital that the necessary steps are taken to update and correct my credit report without further delay. With your assistance, I hope to restore the accuracy and integrity of my credit file and regain control of my financial well-being. I strongly urge you to prioritize this matter and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Bank account or service

I want to apply for a bank account at Wells Fargo the banker told me I have already a bank account with this bank and I told the I have never apply for a bank account. But she told me the account was abuse so I told her I need to go the my local police department to file a police report. spoke with the fraud department they told me they was going to sent out a affidavit. So I received it and sign it fax it back to them. After 4 days I called the fraud department they told me the claim was denial and I ask them why it was denial I they told me the address match my id the signature match from the affidavit anyone can sing something like me so I would like to get this fix ASP.
Product: Money transfer, virtual currency, or money service

I signed up for Gemini on XX/XX/XXXX and it is now XX/XX/XXXX and I've deposited over {$1000.00} so far and I'm still not verified on my account and my account is still restricted. After uploading my ID and waiting almost 2 weeks, on XX/XX/XXXX Gemini said they need me to reupload the images. It is now XX/XX/XXXX and I have not heard from a single rep despite numerous email attempts and attempts to contact Gemini support on twitter. I've also tried calling Gemini 's phone number, but it's only an answering machine saying to e-mail them, which they don't reply to. It is frustrating for a financial service to have such slow customer service with 0 communication for weeks when time is of the essence for the investments of their customers.