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

: EXPLANATION : I've Had this fraudulent account added on my credit report on XX/XX/XXXX without my consent. I went into XXXX XXXX to switch phone carriers while I was still connected with XXXX  and was denied since my phone was still locked. The XXXX Employee asked me to write down my personal information ( Name, SSN, Email ), so when i get this problem fixed with XXXXXXXX  I can come back and finish the signing up process. I ended up going to ANOTHER franchise combined with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX... and they was able to unlocked my phone and sign me up with XXXX. 1 month later I seen I had a collection on my credit report saying i owe XXXX {$120.00}, So I contacted XXXX and spoke to the supervisor and they was also confused as to why my account was in the collections. So they told me to pay the balance because it mustve been a misunderstanding, so me being naive thats what I did. 2 years later now in XXXX I ended up filing a police report because I still believed the XXXX employee used my information to open an account and I ended up being correct. Ive contacted XXXX Fraud Protection team and they ended up finding the employee and gave me the employee name who fraudulently opened the account, they then closed his account he opened with my all my information. XX/XX/XXXX XXXX issued letters to ALL credit bureaus saying I have no dealing with this account and to remove it from my credit report. TRANSUNION still have refused 2 months later XX/XX/XXXX to remove this account. So here I am writing to the XXXX  & CFPB to get this REMOVED from my credit report. I believe it is very insensitive to be a victim of identity theft and TRANSUNION will not work with me to get it removed. XXXX XXXX XXXX already removed this MONTHS AGO. TransUnion is the only one who still on the account on my file! I have sent them my police reports documents & they still discredit me. I have filed an complaint with the identity theft.gov all my information is credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

These are the accounts and their account numbers : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments
Product: Credit reporting or other personal consumer reports

XXXX from XXXX XXXX XXXX XXXX XX/XX/2023. 
I contacted the company at XXXX, as listed on my report and requested the removal of the unauthorized inquiry and was given a number to contact for XXXX. XXXX instructed me to complete the report here.
Product: Credit card or prepaid card

Contacted Discover Credit Card on XX/XX/21 in regards to a dispute for the amount of {$540.00} for a XXXX speaker that arrived not as described, discover did not resolve issue until XX/XX/21, which is well last the two billing cycle or 90 MAXIMUM time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the accounts from my file. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX Balance : {$390.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information needs to be re-investigated. These accounts should not be reporting on my credit report. 

AMEX ACCOUNT # : XXXX DATE Opened : XX/XX/XXXX This is not mine. 

XXXX XXXX XXXX XXXX ACCOUNT # : XXXX DATE Opened : XX/XX/XXXX This is not mine. 

AMEX ACCOUNT # : XXXX DATE Opened : XX/XX/XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2021, our apartment complex 's mailboxes were broken into. My rent check for my landlady ( worth {$2000.00} ) was in the mailbox. One week later, I discovered that the check was not received by my landlady, but her signature was forged on the back of the check, and the thief cashed in to another bank account in the Chase Bank system via mobile app. 

I visited the XXXX XXXX Chase branch in XXXX on XX/XX/2021 over this case of identity theft for a transaction via online bill payment check worth {$2000.00}. The recipient of this online bill payment, my landlord, never received my check, and after closer inspection, whoever had cashed in that check forged the signature in my recipient 's stead. I was told to wait three business days, and Chase would call me back by then. However, I received no further correspondence after that. I then visited the Chase Bank branch in XXXX XXXX, CA in XX/XX/2021, where I was told to wait 30-60 business days for a response. I received no such correspondence. I also filed a report with the local police, per Chase 's instructions. 

I re-contacted Chase on XX/XX/2021, and was referred to the Customer Claims team. I was once again told to wait up to the full 60 days. I waited until XX/XX/2021, which over 60 days since I filed the complaint for the stolen and forged check. I was once again referred to the Customer Claims team, who hung up on me. On XX/XX/2021, I contacted Chase Customer Service one last time and was told to wait 1-2 business days for a response. I have received no response at this time. My rent has been due for over three months, and the reimbursement of the stolen {$2000.00} check is still yet to be seen. 

I have attached a scanned receipt of the stolen check. The signature on the back of the check is a forgery.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX the following accounts listed below has violated my rights. 

1. XXXX XXXX XXXX Bank Account # XXXX 2. XXXX Account # XXXX 3. XXXX XXXX Account XXXX XXXX 4. XXXX Account # XXXX 5. XXXX XXXX Bank Account # XXXX 6. XXXX Bank XXXX XXXX Account # XXXX 7. XXXX Bank XXXX XXXX Account # XXXX 8. XXXX XXXX Bank 15 U.S.C 1681 section 602A 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
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, IN XXXX XXXX  XXXX XXXX Balance Owed : {$480.00} XXXX XXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$560.00} XXXX XXXX  XXXX Balance Owed : {$9300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$10000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2018 I was approved for a XXXX XXXX card through Capital One. I received my new card on about the XX/XX/2018 and I tried to activate it, I contacted Capital One and they told me to attempt to make a purchase, and if it wasnt working then to call their customer service line. On the XX/XX/XXXX I called their customer service line and I was informed by an automated system that a new card was currently being sent through the mail to my house. Confused, I messaged Capital One again and they told me to call their customer service line. Frustrated, I decided to just wait until my new card got to my house. On XX/XX/2018 I called their customer service line to ask why my card hasnt been delivered yet and told them about my situation. The man was confused why they said they were sending me a card, and was somehow able to activate my card. After that phone call I made a purchase of about {$60.00}. Sometime in the beginning of the month of XXXX, I tried to link my XXXX XXXX card to Capital One so I can make a payment, it wasnt working. I called them once again, and the man explained to me how to link it and what website to go to. I tried a great number of times over the next couple weeks hoping it was just the website crashing. I thought maybe it was the device I was using so I tried on my XXXX, laptop, and even a computer. Nothing was working so I called Capital One on about XX/XX/2018. They said they needed to send me a new card but they couldnt until I made a payment. I didnt have the time to get my bank account information right then and there, and I was frustrated because they wanted me to pay a late fee so I told the lady Id call again. I waited until I had more time to figure out the details, which was on XX/XX/2018 so I called and I paid everything off except the late fee. They told me they couldnt waive my fee because they already had the month earlier for the same exact reason, the supervisor understood and was empathetic but she explained that she didnt have the authorization to waive fee. I have never had a late payment on my credit report. This is the only problem Ive ever had with a missed payment, and it was because there was a whole lot of miscommunication and confusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX I am making a formal credit dispute for my terminated leased XXXX XXXX XXXX. I returned my lease vehicle, and was informed my wear and tear would cover most if not all of my incidents. While I was waiting for the adjustment applying my Wear and tear coverage to what was owed {$1400.00}. This took place over several months due to Covid 19 delays which resulted in my account being turned over to collection while I waited the response. Once receiving the updated bill of {$52.00} I made prompt payment in full. The result of this delay caused my credit report to be delinquent of 90 days. I have NEVER missed a single payment during my entire lease. Please update my report at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

Attended XXXX XXXX XXXX between XXXX through XXXX. XXXX lied about graduates ' job prospects, made " repeated and significant misrepresentations '' about its ability to help students get jobs, and In reality, making it harder to find employment when XXXX was listed on my resume. 

In addition, with XXXX 's shuttering, it has been impossible to get financial information to corroborate any balances due, how the provided funds were utilized by XXXX, and how the balance has ballooned exponentially.
Product: Mortgage

Im trying to sell my house. The second mortgage has been purchased by another lender.

We have been trying to find who is the new lender with no success.
Product: Debt collection

I first heard from this " law office '' in XX/XX/XXXX of 2017. They claimed they have taken over the debt from a XXXX that I do not remember having. I asked for documentation because I am not aware of this card. They sent me very vague information so I referred it to a credit care company that I have hired to help me with negative credit  information. Now, the company is calling my elderly parents! I am a retired XXXX XXXX XXXX. This is ridiculous!
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted experian on XX/XX/XXXX to request information on accounts that should not being reporting to my credit. I have giving them more than 30 days and have not received any acknowledgement to my concerns
Product: Credit reporting

Dear CFPB, this complaint is in response to Equifax 's investigation and verification of an public record that appears only on XXXX XXXX 's Equifax credit file that is being erroneously reported as verified by the furnisher, when the original creditor and the debt collector have removed their tradeline but still report this public judgment falsely as due and owing by I, XXXX XXXX XXXX without due process. Reference Case ( s ) # XXXX. XXXX XXXX has yet to respond to dispute. Under XXXX XXXX XXXX XXXX - Validation of debts XXXX Disputed debts " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection XXXX of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' XXXX XXXX XXXX has not complied with this requirement. 
Debt collector : XXXX XXXX original creditor : XXXX XXXX BANK, XXXX Partial acct # XXXX ... 
( This account is being reported by XXXX as a charge off and debt was sold to another lender. XXXX XXXX is reporting this as a open account, {$850.00} is due and owing, but as a public record jugdement, {$980.00} is owed. Spoke with several persons on XXXX/XXXX/15, from XXXX who referred me to speak to someone at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX. I have sent the debt dispute letter to XXXX XXXX certified mail with green receipt. A individual named XXXX XXXX signed for it as an agent for XXXX on XXXX/XXXX/15, but as told by someone named XXXX at XXXX who is handling account for XXXX, contact XXXX speak to a man named XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX. So this is a total diversion to not meet my demand and continue collection on a unsecured credit card debt that is not mine.
Product: Checking or savings account

On XX/XX/18 I opened a Capital One 360 account using the promo code XXXX. The terms and conditions clearly stated that in order to be eligible you would have to deposit at least {$50000.00} into your account. There are no terms outlining a requirement of a {$50000.00} balance or a single deposit totaling {$50000.00}. The terms and conditions of the offer can be found at : https : //www.capitalone.com/savings500/. 


Between XX/XX/XXXX and XX/XX/XXXX, I made deposits of {$11000.00}, {$15000.00}, {$15000.00}, {$10000.00}, and {$1100.00}. These deposits totaled {$52000.00}. 


On XX/XX/XXXX, I reached out with a representative via Capital One 's online chat service. He assured me that I did meet the qualifications of the bonus, and that it would post 60 days from XX/XX/XXXX, which would be XX/XX/XXXX. I have attached the transcript of that conversation. 


On XX/XX/XXXX, I reached out to Capital One 's customer service telephone line to check on the status of my bonus. On my phone call, I was told that they could not honor the bonus. I politely asked to escalate the call to a manager. The manager once again told me that she could not post the bonus. I read the terms to the manager from their website, and she acknowledged that the terms and conditions did not state a requirement for a {$50000.00} total balance. She said that their marketing team had since updated the terms for future offers. She said that while it was not in the terms and conditions, it was " The spirit of the offer '' to only post to accounts holding total balances of {$50000.00} I politely explained to her what the representative told me in XXXX about the account being eligible. She then put me on a brief hold, and offered to post a {$100.00} bonus. I politely refused, and hung up. I believe Capital One knows that they did not put this stipulation in their terms and conditions, and is know refusing to post the promised bonus.
Product: Debt collection

Previous loan provider went out of business company has incorrect information trying to charged me over {$40000.00} for a car that has already been repossessed the company calls me several times of day yelling and screaming over me when I talk
Product: Credit reporting or other personal consumer reports

Hello, I have a loan with XXXX XXXX. I have been making my payments mostly on time. I believe this year I have fallen behind 3 or 4 times. I am even on autopay as of XX/XX/. This company has been reporting me making late payments because I make agreements for a lesser amount of what is owed. This is not a late payment but a payment arrangement. I have tried calling and refutting this information but they say this is a valid status. I even tried making a dispute with Transunion and they did not change the status back. This has been happening for 3 years and doesn't make sense. Can someone look into this for me?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 13 accounts on my credit report that do not belong to me I am getting harassed by collections and other companies for these accounts. I have opened a dispute with all three bureaus as well as consulted the furnishers that these accounts are in no way mine I need them removed asap. 

Account Name : XXXX XXXX  XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I joined XXXX  to run a credit report for all three bureaus. The report clearly shows that I do not have any delinquent accounts or late payments reported to any of the three bureaus, however, XXXX and Transunion both show that the reasons for 'harming my score ' with them are for 'Serious Delinquency ' and 'Late Payments. ' Transunion even states that I had a serious late payment 1 year and 10 month ago, however, they could not tell me which account it was.

There is the problem. I contacted both companies and they couldn't help me since I could not give them an account number for which I am having the delinquencies. I don't have any delinquent accounts yet my credit scores are being punished by those two bureaus.

I have attached the two reports and a screenshot.