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

The following accounts and credit inquiries listed on my Equifax credit report are fraudulent, unauthorized, not mine and dont belong to me : XXXX XXXX XXXX, XX/XX/XXXX, {$1500.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$7500.00}, XXXX XXXX. XXXX XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX and XXXX/XXXX, XX/XX/XXXX.
Product: Credit card or prepaid card

Purchased windows for my home, for late spring installation in XXXX, on XX/XX/XXXX via written contract in my home with sales person of XXXX XXXX XXXX with credit card purchase of {$5000.00} toward the total due. After re-examining conversation with XXXX XXXX XXXX sales person we felt there was something shady about the company so we followed their policy and filed a declination of contract form they provided us with according to their own policy. XXXX XXXX XXXX had a certain amount of days to refund our credit card, per their own written policy. Refund was not received so we disputed the charge with the credit card company. Called the credit card company 3 times to discuss status of the investigation and was told someone would be instructed to call us to discuss further. Each of the 3 times we never received a call back from anyone investigating the disputed charge. Then we received a letter from the credit card company stating we did not follow XXXX XXXX XXXX declination policy and they wanted to know the date we contacted the company and what the company 's response was from that contact. However, we followed the policy to the letter and provided all proof necessary to void the charge on our credit card. The credit card company said they would reinstate the {$5000.00} charge and the fees and interest related to that charge going back to the date of the charge. We have no reason to contact the credit card company any further since they ignored the proof provided that we followed XXXX XXXX XXXX policy and were wrongly denied the dispute of the charge. We desire the {$5000.00} be removed and any related fees and interest related to that charge be reversed as well.
Product: Debt collection

Repeated calls 10 to 15 times a day from various numbers to my cell phone. Telling me to get a lawyer or face the consequences.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

My XXXX account was sold to another company and XXXX never reported anything late but the new company took over and have 3 late payments under there account and i wasn't with them during that time i called them and they say they didn't do it but XXXX never reported late payments i call the new company and was told to file a dispute with all 3 credit it bureaus to get the late payments removed. New company is XXXX XXXX XXXX
Product: Checking or savings account

US Bank issued me an escrow overage refund check in the amount of {$1600.00} on XXXX XXXX XXXX. The check was lost and never cashed. I recently found the check and contacted US Bank on XXXX XXXX XXXX requesting the check be reissued. US Bank denied the request and told me to contact The Minnesota Department of Commerce,  Unclaimed Funds. I reached out to them on XXXX XXXX XXXX via email and was sent a response stating that they have no record of these funds ever being submitted to them. I reached out to the Minnesota Department of the Attorney General on XXXX XXXX XXXX and was encouraged to reach out to the Consumer Financial Protection Bureau for help. 

Thank you very much for your time and attention!
Product: Credit reporting or other personal consumer reports

I have sent a letter as a federally protected consumer opting out of any and all authorization I the consumer may have given written, verbal or non verbal per 15 usc 6802.
Product: Mortgage

I hold a Mortgage for my primary residence with XXXX a subsidiary of XXXX lending a Fidelity National Financial company. 
last week the parent company announced a ransomware attack and promptly shut down their systems. The company did not notify it's customers for 5 days after the incident and closed their phone lines, with no way to contact the company. 
I always make my payments within the 30 day window but the incident has pushed my payment window beyond into delinquency. 
I made multiple attempts daily from XXXX to reach the company by phone and website with no progress or response. 
I'm filing this complaint in an effort to protect myself and others affected from negative credit reporting. 
The website appears to be online today XXXX but I do not trust their systems are safe, but I still can not reach customer service by phone. 
This is company needs to do a much better job of communicating and protecting their millions of customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit card changed banks from XXXX to XXXX I never received notification of the change- I had always had the payments made AUTOMATICALLY by my bank- I did not realize that my automatic payments would no longer be paid ( since the bank had a different name ) I dont use that cc alot and rarely look at the bank payments since I rarely shop with it- I had no way of knowing that my payment was not made UNTIL I received a 30 days late notice- this caused my credit score to drop significantly ( LIKE XXXX POINTS ) The lateness on that one payment should not be held against me- if you look at my payments to the XXXX  card over the last 5 years they were all paid automatically except the first payment on the new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card

I opened a citi aadvantage business credit card on XX/XX/year> with a link that said that they were giving XXXX XXXX  miles when spending XXXX dollars within 5 months and the first year credit card fee waived. Obviously it was not a targeted offer and was open to public, so I opened the account using the link and met my requirement. I did not receive the miles that was promised, so I contacted customer service twice. Initially, they said to send the screenshot of the offer which I did, and they rejected it because it did not have my name on it. HOW WOULD A PUBLIC OFFER HAVE MY NAME ON IT? They are just trying to get away with not giving any miles that was promised. Second time I contacted, they re-iterated saying that they do not see any offer attached. With my knowledge, they do not have any XXXX  business credit card link that " DOES NOT '' contain welcome offer. So obvisouly this was their systematic glitch and the fact that they won't do anything is very deceiving and not accepting error on their end.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 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/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I was denied for the 3rd time by Apple Card by Goldman Sachs, each time for " already having applied. '' However, I'd never applied before so this seemed odd and I finally decided to call to see why I was receiving this message. 

Upon speaking to the Apple Card Goldman Sachs rep, he couldn't find my name, number, or any personal info on file and didn't understand the denial either. Finally, he decided to check just my SSN by itself in the search and found my SSN attached to a current customer named " XXXX XXXX. '' They gave some info on the person but couldn't give me much but they did say he was born in XXXX and located in NJ ( where I'm from ). They said they couldn't really do anything about it, besides make a note/report this on their end, which they did so they should have history of this. I requested they close the account as fraud but they said they couldn't because they weren't sure if this was a case of a duplicate SSN being given or if this was actually fraud and encouraged me to contact SSN to see if this is a duplicate # ( which they claimed happens ) OR if this was actually fraud. 

I spoke with SS admin yesterday, they searched my SSN and confirmed that this is NOT a duplicate # and that despite what the goldman sachs banker said, duplicate # s are NOT common. He confirmed the only name attached to that # in SS 's system is my name, XXXX XXXX and no one else should have access to it. The SS rep said that this is either a typo from when XXXX XXXX applied OR fraud and to fill out an identity theft report. I filled out an identity theft report on XX/XX/XXXX when I first was informed of all this, just in case. So my report has been in for two months. I called FTC to follow up this past Tuesday, XX/XX/XXXX and ask the status on my report because I can't apply for an apple card until this is resolved. 

They directed me to the consumer trade commission since it is relating to a credit account opened using my SSN. I need you guys to reach out to Apple Card Goldman Sachs or XXXX XXXX born XXXX located in NJ directly, for them to clarify his actual correct SSN, so he can confirm whether he entered my SSN as a typo OR if he continues to lie and say my SSN is his then we know he's engaging in fraud. 

Both SS admin and Goldman Sachs can confirm all of the statements above ( SS can confirm only I have this #, no one else AND Sachs can confirm that XXXX XXXX is using my # on his account, despite it not being his own ). 

This is the only way, Apple Card Goldmans Sachs will close or have him update his account so that I'm finally eligible to apply. On their end, they see it as either a duplicate or fraud so & they can't speak to SS directly to clarify it's not a duplicate ( like I did ), & it seems you guys at the CFPB seem to be the body created to act as in between the bank and SS to confirm identity theft doesn't continue, so please help or let me know who can help.
Product: Mortgage

I had a mortgage with Ditech for many years. The loan was paid in full every month but the company refuses to report this to the credit agencies ( 3 ). When I made a formal report with the credit agencies as the information being inaccurate Ditech removed themselves from my profile completely. This affected my credit score. 
Ditech sold my loan in 2019 and did not fix this problem
Product: Credit card or prepaid card

HSBC Bank is reporting a late payment on my history. I need some help, I have had this account open since 1995 and have never once been past due. I got covid and thought my husband paid on the bills. He said he did. Please this is devastating as you can see by my credit I care and never once have paid a bill late. Please remove this remark. I care about my credit and my creditors who allow me to have credit.
Product: Credit reporting or other personal consumer reports

Termination letter Dear XXXX I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 account name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1691 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/scrub>/2024, and I have not yet received a response.
Product: Credit card

The Direct Express web site wo n't work and no one will answer the phone number they yell me to call. I do not have any other choice about where my Social Security payments are made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00}
Product: Debt collection

I am responding to an unlawful contact about an alleged debt by Portfolio Recovery Associates of XXXX, VA in violation of the conditions of their XXXX/XXXX/XXXX U.S. CFPB consent order. I was contacted by computerized autodial telephone call from caller ID " XXXX KY '' with a prerecorded message at XXXX EST on Sunday, XXXX XXXX, XXXX that identified an unspecified debt and directed me to call XXXX.
Product: Credit reporting or other personal consumer reports

I am asking for your assistance regarding the incorrect account listed on my credit report. This issue has severely impacted my reputation, and I need your help. Your mishandling of my report has left me in a difficult position, and the incorrect information has caused significant harm to my reputation. You need to remove these inaccuracies from my credit report.
Product: Checking or savings account

Navy federal been charging me {$20.00} everytime I over drafted and sometimes they would they it out for no reason. Also taking my money after I made a purchase causing me to go in the negatives. They dont take the money out right away they wait until days later.
Product: Debt collection

These people brought a illegal loan usury interest rate account from XXXX XXXX XXXX ... XXXX XXXX does not have a license to provide illegal loans ( Usury interest rates ) in the state of Ca. By the CA. Department of Business Oversight and the federal consumer protection bureau. their phone number is XXXX ... I am XXXX years old and want these people to stop calling me.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chex Systems XXXX XXXX XXXX XXXX XXXX XXXX, Request to remove accounts from Credit Consumers Dear chexsystem I am writing to formally dispute the accounts listed on my credit report associated with my name, XXXX XXXX ( XXXX : XXXX ). I have previously sent multiple letters requesting proof of documentation for these accounts, specifically regarding the following : 1. Account with XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX ) - Charge Off Amount : {$920.00} As per the Fair Credit Reporting Act, I have the right to request and receive verification of any debt reported on my credit report. To date, I have not received any proof or documentation supporting the validity of these accounts. 

Therefore, I request that these accounts be removed from my credit report immediately upon your receipt of this letter, as you are required to provide proof of the debt, which has not been furnished. 

Please investigate this matter and provide me with a written response regarding the removal of these accounts. If no documentation is provided to substantiate these debts, I expect these entries to be deleted from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inaccuracies showing on my credit report. I have tried to fix this problem with the credit bureaus however after a couple of days they close my dispute as if they looked at it with really verifying the information. 

I am including the below inaccuracies as I seen them showing on my credit report Accounts Bankruptcy- I have never filed Bankruptcy and the clerk of the XXXX XXXX XXXX sent me a letter saying they never confirmed to any credit bureaus that the bankruptcy belonged to me XXXX account number n/a balance XXXX XXXX  XXXX account number n/a balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, NV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked that two negative credit accounts that are closed XXXX XXXX  XXXX XXXX and XXXX XXXX ) and have been opened more than7 years ago, be removed from my report. They have not.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, a Certified letter was sent to Experian demanding they DELETE outdated addresses and inaccurate names from my Consumer Report and no response. 

On XX/XX/2023, Experian responded stating they're still working on my issue. 

XX/XX/2023, Experian responded stating they won't remove one or more sources of information reported because the address I questioned to be deleted is part of my credit history, and my complaint was closed with NON-MONETARY relief. 
I provided feed back to Experian on XX/XX/2023. 
I then proceeded, to dispute the addresses and names online with Experian on XX/XX/2023, with Experian only updating the disputed information. 

On XX/XX/2023, I sent Experian a Certified Mail Letter With Return Receipt, for the second time demanding the items be DELETED from my Consumer Report!!
Product: Checking or savings account

I was notified of a charge to to my local XXXX of {$1000.00} made on my Wells Fargo banking debit card. I filed a dispute with Wells Fargo and submitted proof that I was at work and the card was in my possession during the time of the transaction. Wells Fargo dome a dispute investigation and informed me that I was in the wrong and denied the claim due to the fact that my banking card had to physically be at the store location during the transaction