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

someone else opened a auto loan in my name i never bought a vehicle i'm now seeing this on my credit report and there are alot of late payments too this auto loan does not belong to me the account number is XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Citigroup XXXX XXXX Credit Card since XXXX and requested that the credit limit be reduced to {$500.00} sometime in XXXX or XXXX. On two occasions Citigroup has increased my credit limit without my express consent. The first time it happened, I complained and Citigroup explained that they would not increase the credit limit without my requesting it ; however, they have done it a second time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX GEORGIA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Tried to purchase a XXXX XXXX from XXXX and finance via Affirm Got charged and never received the XXXX Tried contacting XXXX but they said to stop contacting them Tried to notify affirm but they kept telling me to go through XXXX even though i couldnt anymore Because of these events Affirm now reports the " loan '' that was given to me as a chargeoff
Product: Credit card

I reached out to Goldman Sachs/Apple Credit Card . First of all, no one was available to get on the phone. I had to go back and forth by chat which was quite ridiculous. 

Second, I paid my card on time on XX/XX/XXXX. Which was a Saturday. They did not record the payment until XX/XX/XXXX, which is a Sunday. 

I was charged interest and penalties in the amount of {$38.00}. 

They then claimed that I had to pay my card off in full ( including amounts that were not even due yet ), otherwise they would charge me interest on the entire balance. 

When I reached out to a supervisor, they explained that they could not credit my account and had to escalate this to senior management. 

Included is the message, I received : I completely understand and in order to be credited there is a review by our management team that is required beforehand. 

I understand and would love to provide you the information needed : Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Associated the below details will be needed as well : Full name Email address associated with the account Full card number Account number Dollar amount of the suspected error ( if applicable ) Description of the problem Explanation of why the suspected error occurred I recognize that this is not the immediate resolution that you may be looking for, but I did want to provide you with all the information available.
Product: Debt collection

I applied for a XXXX credit card and was denied because of bad debt that was reported from XXXX. I have perfect credit so this was a shock. I have received phone calls and bills stating that I owed money in the amount of {$1400.00} to XXXX XXXX XXXX XXXX I spoke to Midland Credit Management and informed them that this wasn't my debt. I didn't initiate any transaction through XXXX. 

I have in the past requested documentation with no resolve.
Product: Debt collection

This company is on my credit report and this is fraud. They have a   XXXX   XXXX   who owned these accounts living in Florida. I have never lived in Florida, nor have I have been affiliated with these companies.
They need to remove themselves from my credit report and leave me alone.
I live in Ohio. The   XXXX   XXXX   they are looking for lives in Florida. Please contact this company and have them stop harrassing me and sending me documentation. I 'm assuming after attempts to locate this person, they found the same name in Ohio and have sent this to my address. Attached. However, as you can see the person they are looking for is from Florida ( Consumer name and address ). This needs to stop and they need to remove themselves from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was notified that Chase Bank approved a XXXX Credit Card in my name without my permission. I requested they cancel it and provide me root cause. I wanted any documentation providing the reason this card was opened in my name. I want the timeline of events and any information that will help me identify the person who stole my identify or I want them to tell me they did it by mistake. They refuse to do so unless I go out to multiple websites they own and fill out multiple pages of requests. I said I can not do that and made a verbal request and they refuse. It should be the sole responsibility of Chase to provide all information pertaining to this error, regardless of what format the request was made, until I am satisfied. I should not having to jump through hoops designed to fatigue people into just giving up. I want a documented account of the investigation so I know how this occurred and can decide what to do next. THis is fraud. This is illegal, I deserve answers without having to go to multiple websites, credit bureaus, and down right disregard for what is right. Furthermore, if Banks should not be allowed to provide such cumbersome process to get information based on mistakes they made. They should be required to provide any assistance needed, in any way or format, to rightsize the issue. I have already submitted a complaint with CFPB but they called and did not provide what I needed still. they are still refusing to provide what I want only give me email and websites to go out and fill a bunch of paperwork out. No resolution at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 Hard Inquiry was not authorized by myself or any other party on my behalf. The company is listed as Dollar Loan Company of WI
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Also the data for each Credit bureau does not match and its inconsistent and it has to be removed from my credit report immediately, Account : XXXX XXXX XXXX ( XXXX ) Account : XXXX XXXX XXXX XXXX  XXXX  ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act converging account numbers have violated my rights 15 U.S code 1681 602H I have the right to privacy.

15 U.S code 1681 604A section 2 Consumers can not furnish an account without my written consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an unsecured personal line of credit On XXXX XXXX, XXXX. The line was used off an on and when the brunt of the financial crisis hit I had to utilize it to get by. Needless to say the balance was maxed out at {$16000.00} and I did not have the means to repay, which I have completely owned. 

The last activity on this account was a payment made on XXXX XXXX, XXXX and the account shows as closed since XXXX XXXX, XXXX. Furthermore, on XXXX XXXX, XXXX Wells Fargo officially canceled the debt and issued a 1099 ( c ) for the account for which I had to recognize it as income and pay through the IRS that year. 

The issue at hand is that WF Bank, on a monthly basis, continues to report this account as a new charge off with a " Balance '', " Past Due Amount '', and " High Balance '' of {$17000.00}. It is required the lenders provide accurate, up to date, and correct information to the credit bureaus. WF Bank is clearly reporting inaccurate information where they should be reporting aany balance on this LOC as {$0.00} and the reporting of a " Charge Off '' should only be reflecting as a charge off since XXXX XXXX and not a newly charged off account each month. 

I he contacted WF Banks " Consumer Credit Solutions Credit Bureau Dispute Resolution '' department on multiple occasions to have this rectified with zero response. I further contacted the Senior Executive VP of consumer lending for WF to illicit some response to my request by which I received none. This seems to XXXX my last hope that this incorrect information can be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the horrendous Equifax breach that consumers had to learn from the news months later. Equifax promised free 1 year credit monitoring, credit report and social security number monitoring to those affected through Trusted ID Premier. Once you enroll in Trusted ID it has been over a week of runarounds and hours on the phone with Equifax who just gives you a runaround access to this service is unavailable. It tells you are already activated enter username and password. I never activated, Equifax advises to click forgot password and create a new one. I never created a password or username to begin with! Was able to change password and then get a message ca n't create your account wait 2-3 hrs try back again or call XXXX which is Equifax who ca n't help you just runaround about system crashes, inundated with calls told to call other number for Trusted ID and literally  have been on hold from 4-8 hours with no response.
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. 

XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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: Checking or savings account

Lending Club is apparently a scam. They have stolen {$65000.00} and can not even be contacted. We opened a XXXX checking account with Lending Club after seeing their advertisement online. We were enticed by their range of features they purported to offer, and ease of use, including their online access and mobile application. We opened an account and funded it with {$100.00} deposited from an existing personal checking account. Our account is under the following XXXX name : XXXX XXXX XXXX XXXX We then ordered checks through Lending Club customer service and received them recently as well. We had an upcoming transfer from our merchant processing, which we linked to this new business checking account. We reached out to customer service and let them know the transfer was going to be incoming soon, and wanted to make sure it would be received without any issues. The customer service confirmed there would be no issues, and that we could receive the transfer. On or about XX/XX/XXXX, we received a {$65000.00} deposited into our account. I wanted to move {$25000.00} of the balance to my personal account. I initiated a wire transfer online through Lending Club 's online wire transfer feature. The account is under my exact name, and my home address. I was then emailed several hours later being told the wire was canceled and I would need to provide Lending Club with additional information about my account and photo identification via email. I immediately replied submitting the information. No phone number was provided for any assistance either. I received no response from Lending Club via email. Today ( XX/XX/XXXX ) I was blocked from logging into my Lending Club account as well. All of our information is accurate and was provided to Lending Club as requested. The wire transfer was to my personal account under the same exact information shown on my State identification documents, and is a residential home under my name as well. There is no reason that Lending Club should be able to steal our money like this without any recourse and for no valid reason. These online financial companies now use the " suspicious activity '' excuse to freeze funds at will in an apparent attempt to raise their own profits.
Product: Credit card

Equifax removed an account from my credit profile that is an active account but they say they have no knowledge of the account but the account is still reporting to other agencies I never disputed this account never I have someone else who can vouch this just happened to them as well
Product: Checking or savings account

On XX/XX/year>, I received two text messages from Chase Bank, which were fraud alert messages. The first message was regarding a purchase in the amount of {$1000.00}. The second text stated that a XXXX payment in the amount of {$5000.00} was being sent. Then there was an email from Chase Bank showing a wire transfer in the amount of {$12000.00}. This all took place after a {$17000.00} deposit. 
Meanwhile, I checked my account and noticed the {$12000.00} wire transfer was in a pending status to XXXX XXXX. I did not authorize a transfer of XXXX. The XXXX was moved from my business account and Chase refuses to return my funds. 
After Chase Bank conducted their investigation, it was found that someone else called in and it was not my voice, yet I was denied the return of the wire transfer sent to XXXX XXXX. 
In conclusion, Chase bank accused me that I called their bank 5 times and if they concluded that the voice was not my own, the funds would be returned to my account. After the investigation, it was determined that the voice was NOT my own, however they still refused the return of my funds. 
I'm writing to your organization to inform you of the fraud, deception and unfair business practices of Chase Bank. After doing research, I found that this is a common issue amongst other Chase consumers with similar accusations of the consumer " benefiting '' from the fraudulent activity. 
As a XXXX XXXX, I'm financially devistated and requesting for assistance with the return of my funds in this matter. 
Please reach out to me for further content and proof ( phone logs, timelines, Chase letters, etc... )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX had my loan and I had applied for covid relief and was approved in XX/XX/XXXX. Once approved and XXXX sent the check to XXXX mortgage mid XX/XX/XXXX they had changed my loan to lender Specialized Loan Servicing. Who sent me papers in XX/XX/XXXX. Once I contacted them and explained the situation they put a hold on my account as they were new lender and I advised XXXX had sent a check out to XXXX XXXX  in XXXX. They said contact XXXX about issue but they had a hold on account. I called XXXX and notified them of the new lender Specialized Loan Servicing and they stated the check had been returned and to send them papers from new lender and they will get check rerouted. I sent this in XXXX also. Contact XXXX loan and told them XXXX stated they would reroute the check. This went on and on for few months the back and forth until XX/XX/XXXX and the check was reprocessed and finally received from XXXX in amt of $ XXXX which paid mortgage up to XXXX of XXXX. Called Specialized loan and followed up and they stated as well payment received and up to date so the issue is how they reporting late to my credit which is against Federal Law when they just came into the picture and the account was on forbearance.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. I believe this discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

Netspend account # Account number : XXXX The account was closed and Netspend has not send me my remaining balance. Ive contacted Netspend and representatives stated they were unable to provide me information regarding my account. I have about {$2000.00} on my account when they closed it. All deposit made to the account was done by XXXX for all the services I provided.
Product: Credit reporting or other personal consumer reports

Spring Oaks Capital is illegally furnishing an account to my credit report. Please see the attached letter from the original creditor listing the correct balance and collection agency of the account. Springs Oaks is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. Delete the account SPRINGOAKCAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ( 5 ) INQUIRIES on my TransUnion consumer credit report that I didn't authorize or give permission to pull my credit report. 

1 ) XXXX XX/XX/XXXX & XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX I have attached a " FTC IDENTITY THEFT REPORT '' # XXXX I have attached a " POLICE REPORT '' # XXXX THESE INQUIRIES ARE THE RESULT OF IDENTITY THEFT PLEASE REFER TO 15 U.S. Code 1681c2 - Block of information resulting from identity theft You have 72 hours to block this information and it's adverse effects on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 states have the rights to privacy.

15 USC 1681 section 604 A section 2 : it also states a customer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Debt collection

I paid a debt from XXXX XXXX a while ago. It is still showing negatively on my report and they are still contacting my telling me the i owe money.
Product: Debt collection

The complain XXXX has been closed out and they continue to call. Their comments admit an address change was done wrong and their fault and will Be removing late charge, so stop calling. I finally got a bill today and mailed my check.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I noticed that Navient has reported XXXX consecutive late payments ( XXXX through XXXX ) on an account that I was in payment deferred status at the time. There is no way they could report me as late at the time. The consumer reporting agencies assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to " OK '' on time as they should be due to the fact that I was never late.
Product: Credit reporting or other personal consumer reports

In accordance with de Fair Credit Reporting act XXXX  accounts : XXXX XX/XX/XXXX. 
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XXXX XXXX XXXX XXXX, REPORT XX/XX/XXXX ( {$1600.00} OPEN BALANCE ) In accordance with de Fair Credit Reporting act XXXX  accounts, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.