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

No respond to my request below. 


Under 1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than XXXX days after receiving a request from the consumer for that description.

Also under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

Please send the following information used to validate the items below and show where I gave written permission to be on my credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages. 


INACCURATE REPORTING In my case Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History? 
The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.

PLEASE REMOVE ALL AUTHORIZE INQUIRIES NOT ASSOCIATED WITH ANY OPEN ACCOUNTS. 


INACCURATE REPORTING XXXX. XXXX XXXX, XXXX XXXX XXXXThis account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX Account XXXX XXXX-This account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX XXXX, Account XXXX XXXXThis account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX XXXX, Account XXXX XXXXThis account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX Account XXXX XXXXThis account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX  ACCOUNT # XXXX This account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX, ACCOUNT XXXX XXXXThis account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX XXXX ACCOUNT XXXX XXXX-This account is being reported inaccurately, please remove it from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Duplicate inquiries on report, called creditor about it, said they don't know why there was a duplicate but they couldn't remove the inquiry
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} - tied up DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00}
Product: Debt collection

PLEASE THESE ARE ACCOUNTS THAT UNAUTHORIZED. DONT GIVE ME STRESS, BLOCK THESE ACCOUNTS.
Product: Credit card

XXXX XXXX issued me a refund for overpayment upon me canceling services on XX/XX/2016. I received a prepaid CitiVisa card on XX/XX/2016, with my refund supposed to be available on that card. After attempting to transfer the balance of {$250.00} from card to my checking, I was given error message. I then called Prepaid Citicard, in doing so, the first person was not able to help. I was transferred to a Supervisor. This lady told me it would be 24 hours and it would be corrected. On XX/XX/2016 I attempted to transfer funds. This time I 'm told there is no money on the card. I call Citi again. The first person today, XX/XX/2016, tells me that the lady I spoke to yesterday requested a check payment. I did not request a check. That person yesterday claimed to be me and requested it. My conversation was recorded, I told her multiple times, I DID NOT WANT a paper check issued. That associate claimed to me and authorized a check to be sent. I did not do that. So now I have no refund, Citi has an employee that impersonates customers. My next complaint will be with the Pa State Police, because she clearly committed fraud. And I am still out my refund from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. XXXX XXXX leaked my information and someone opened a XXXX XXXX XXXX card. I was notified and cancelled the card and froze my credit. I also filed an identity theft report with the FTC. XXXX XXXX XXXX cancelled my account and said because it was fraudulent they would take it off my credit report. I disputed this card on my credit report and experian sided with them and will not remove this card from my credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, EQUIFAX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I received a letter from PENNSYLVANIA DEPARTMENT OF TRANSPORTATION. stating that my Driver 's License Number has two photo images of two different individuals on that record.I wish your office could find out when the fraud was formed!
Product: Debt collection

Last year XXXX of 2020, I checked my credit report and found a collection account showing up on my credit report which I have had no knowledge did not create. I contacted the credit agencies and let them know with a police report stating that the debt was not mine. 

XXXX and XXXX researched the debt and contacted the furnisher of the debt and resolved it that it was another person with the same name. While XXXX has not even responded or taken any action at all in a year 's time. I write them every month abou the account and nothing ever happens so now I am contacting you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

The below complaint was filed recently against Wells Fargo, not addressed ... The rep replying on end of Wells Fargo replied by stating no additional correspondence will be sent regarding matter, did not address complaint or offer resolution ... It appears the rep used a general form reply as most Wells Fargo reps like to use..Needless to say, this type of reply does not address or resolve matter.. 

Wells Fargo offered remedy payment in amount of {$3700.00} as well as subsequent amount of {$500.00} via mediation for fraudulent accounts opened by Wells Fargo reps in my name which were unwanted and again, fraudulently opened. As explained in prior CFPB complaint, no payments were received, payments sent to old address were not received. I have since moved to a new address which is XXXX XXXX XXXX, XXXX XXXX, CT XXXX. I've requested a reasonable settlement amount, Wells Fargo has failed to offer an amount which covers damages sustained due to these fraudulent accounts. Wells Fargo reps replying to CFPB refer to mediation agreement which again, was not received as anything sent to old address would not be forwarded. Since no agreement received, they can not refer to it as any document related to was not signed by myself. It appears Wells Fargo will not honor their offers, refers to old address they sent to in which case was not forwarded to current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has sent a 1099-C which was reported on my tax return. The debt was cancelled and it's still be reported every month as negative. I have asked for an investigation and they come back as verified as accurate. Obviously, it's not accurate.
Product: Credit card or prepaid card

I had subscribed to XXXX XXXX XXXX on or about XX/XX/2023 and decided to cancel on or about XX/XX/XXXX because XXXX misrepresented that they were only going to charge me {$79.00}, which would be in two installments, one for {$39.00} in XXXX and one for {$39.00} in XXXX. However they posted {$82.00} to my account in error. I then decided to cancel the membership on or about MY XXXX and I have an email to prove that it's been canceled but Chase will not do anything about it because they said they have to wait 15 days. Why do they have to wait 15 days when I have that confirmation email that I just uploaded to my Chase account? My balance is reflecting the {$82.00} which I should not be responsible for and I've asked them to take care of it but they are refusing to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion have violated my privacy right under the HIPPA law and my right under the fair credit and billing act and FCRA. I have 3rd party collector continuous making harassment calls about my medical information. Please ask the bureaus to stop and provide full validation of below account and their right to collect. I have requested by certified mail on XX/XX/2021 without an answer back. I have filed a HIPPA violation in the attachment. 
XXXX XXXX XXXX Account number XXXX
Product: Money transfer, virtual currency, or money service

Cash App has no customer service #. My phone was stolen on XX/XX/2020. The culprit asked Cash App for a Code to change my cash app PIN & stole money {$1000.00}
Product: Credit reporting

This debt is not a federally backed/guaranteed loan. It is be reported to the credit bureaus beyond XXXX years. Also it is beyond NY statute of limitations ( XXXX years ) to collect a debt. This debt has been written off/ closed by the company. But still being reported to the credit bureaus. I have never made a payment on a this debt in its history.
Product: Debt collection

After reviewing my credit, I noticed a collection item listed on XXXX. This item was listed by I.Q. International ; 2 amounts were listed the original debt {$190.00} and another amount {$290.00}. I called I.Q. international XX/XX/18 to inquire on what the item was the Customer service agent said I owed {$310.00}, I then asked why the difference she said interest accrues daily and if I didn't pay {$310.00} the amount would be more. She also stated that I signed a contract with XXXX the rental bond company, and the documents I signed states that fees would be incurred if debt wasn't paid. I refused to pay the amount and ended the call. 
I then called XXXX inquiring on the debt, which they claimed was unpaid utilities. This does not make sense since the property rented was in XXXX XXXX FL and utilities were in my name, or billed through the monthly payment. According to the original creditor XXXX this item was for utilities after I moved out of the property. 
XXXX customer service did let me know that I did not sign any documents which claimed fees over and beyond my debt would be collected. 
My complaint is that I.Q. Data international is billing additional fees over and beyond a debt I owe. Agents are making false statements in regards to documents I signed. Agent also stated FL law states that the company can collect fees in addition to what I owe. 
I.Q. Data international XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my Experian credit report on XXXX different computers- and my credit report clearly has not been updated since XX/XX/2021. We are now in XXXX 2021. I was not able to get a car loan because the information on my credit report is outdated. 

I even purchased the monthly package for {$24.00} per month for the correct information and I am not receiving what I purchased. 

I have contacted Experian and explained the situation to them on XXXX different occasion and was told they would submit a ticket and someone look into it. Again my credit report has not been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed there was inquiries on my report that arent mine and Werent authorized by me at all. I sent over an FTC identity theft report to Experian also Ive called in to dispute the inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XX/XX/XXXX
Product: Debt collection

JEFFCAPSYS keeps reporting that I owe XXXX dollars and I dont. They keep showing that I pay for one month then show that I dont pay for several months. This is a lie. I know nothing of this account.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, Particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform.

Despite using Zelle Numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that tracking these funds was impossible and tracking these transactions was infeasible. 

The CFPB has reported that has neglected to protect its consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I have had a person I know by the name of XXXX XXXX XXXX, use my personal information that was shared with her, for an apartment. This person was my XXXX XXXX XXXX XXXXom XXXX. In XXXX of XXXX, she electronically signed a lease using my first and last name, and middle initial. I knew NOTHING about this lease, until a collections company by the name of XXXX XXXX XXXX, contacted me with a letter in XXXX of XXXX, stating I owed {$11000.00} to XXXX XXXX XXXX XXXX XXXX, located in XXXX, XXXX XXXX, Florida. I HAVE NEVER LIVED IN FLORIDA!!! I AM A XXXX XXXX  I LIVE AT HOME WITH MY PARENTS, AND HAVE BEEN AT MY CURRENT ADDRESS SINCE XXXX OF XXXX. I ALSO DO NOT HAVE CHILDREN, AND THE CULPRIT INCLUDED HER XXXX CHILDREN ONTO THE LEASE. 

I HAVE NEVER AUTHORIZED AND WOULD HAVE NEVER AUTHORIZED, FOR HER TO USE MY INFORMATION FOR AN APARTMENT IN FLORIDA, WHEN I LIVE IN OHIO, AND WAS STILL FINISHING MY XXXX XXXX XXXX AT XXXXXXXX XXXX XXXX XXXXXXXX OF XXXX! 

I NEED YOU GUYS TO REMOVE THIS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$3500.00} XXXX XXXX {$1100.00} XXXX XXXX {$3300.00} XXXX XXXX {$6900.00} XXXX   XXXX {$8500.00} XXXX XXXX XXXX {$210.00} XXXX XXXX {$390.00} XXXX XXXX {$1100.00} XXXX XXXX {$5000.00} XXXX XXXX {$820.00} XXXX XXXX {$1300.00} XXXX & XXXX XXXX {$190.00} CXXXX  XXXX {$320.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX {$610.00}
Product: Debt collection

My social security card was stolen from my car due to a break-in. On XX/XX/XXXX, I received an email from Jefferson Capital stating that I am being pursued for collections by them on behalf of XXXX, for an account that I allegedly held between XXXX and XXXX. The total amount owed on the account is {$620.00}. I have attempted to contact XXXX, but have been unable to reach them. I am currently in the process of disputing this with Jefferson Capital
Product: Credit card or prepaid card

I had a Chase XXXX credit card. It was shutdown by Chase for undisclosed reasons. I did not attempt to have this credit card restored. XXXX started providing very favorable XXXX rewards and I did not believe dealing with Chase was worth reopening my account. 

Sometime later I applied for and received a Chase XXXX XXXX XXXX. I used that card for about two months before Chase closed this account in XX/XX/2018. 

Chase did not give me any warnings and I found out this was done while in the XXXX XXXX VIP lounge given to United Chase credit card holders in XXXX XXXX, California. ( You get two passes a year. ) Once I got home in XXXX XXXX I attempted to have this issue resolved. I called Chases customer support and was told they determined to close my account for the same undisclosed reasons they closed my Chase XXXX credit card account. I did not get to speak to the individuals who made this decision directly and told there was no way to escalate my claim any higher. 

I am not sure why my Chase XXXX credit card was canceled. I have not been told. I did use this card frequently and received cash from Chase based on its 5 % cash back on XXXX products. I always paid my bills and have been an exemplary consumer of credit cards. My credit score speaks for itself. 

I would like Chase to allow me to have both credit cards, but at the very least allow me to have a XXXX XXXX   card and if I choose to do so in the future, a XXXX  and XXXX Chase Credit Card. 

XXXX is the primary airlines in my home town and I frequently travel for work. XXXX hotels are also my hotels of choice and would appreciate the ability to someday earn points by having a Chase XXXX and Chase XXXX airline card. Chases postition as the credit card provider of many of my services of choice has made their arbitrary decision to not provide me services very inconvenient.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax hasnt been updated since XX/XX/2016. Showing on There is a collection account in the amount of {$580.00} which says its still open and under the name of XXXX XXXX XXXX. I called XXXX and they told me they sold th account to a different collection agency which has been correctly and accurately reported to on XXXX by XXXX XXXX. I paid the account off in XX/XX/XXXX and they recently took it off my credit report. When I contacted Equifax the first time I had no issue with them creating an investigation into my account and my request for info to be updated. There is an inaccurate address reported by them which I requested to be taken off and I requested they update my account. I waited 2 weeks and when I called back they said the information I gave them to verify my identity was reporting inaccurate and they would not update my account unless I sent by fax a copy of my social security card and my I.D . Which I dont feel comfortable doing that
Product: Credit reporting or other personal consumer reports

I've made complaints numerous times to LexisNexis, XXXX, XXXX about placing inaccurate information on my credit report but yet I'm met with stall tactics. 15USC1681 ( 4 ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. LexisNexis is a consumer reporting agency. So why is LexisNexis reporting inaccurate information for profit and gain by putting this on my credit report. Which in fact my letter from the Federal Court House specially states that it does not and I repeat does not share any information with any ( CONSUMER REPORTING AGENCY ) so why is this inaccurate information is on my credit report? It's simple, it's about money! I exercise my right to privacy under the provision ( 15USC1681i ( 7 ) LexisNexis, XXXX, XXXX are noncompliance ( 15USC1681n ) for Conspiring with rights ( 18USC242 ) under ( 15USC1681c ( b ) .LexisNexis , XXXX XXXX XXXX acquired my personnel information without my consistent or written notice to do so. ( 604 ) ( 15USC1681b ) Permissible purpose. 15 U.S. Code 1681a this information was obtained through P.A.C.E.R! I understand this a public record to access information but this does not give LexisNexis, XXXX, XXXX rights to place this on my credit report nor is their a FCRA that says Consumer reporting agency have rights to do so. All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ).

15 U.S. Code 1681i ( a ) ( B )