23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/year> I applied to Discover for Discover IT Secured Credit card. Discover advertise that Discover It Secured credit card is for people that want to build their credit history and improve their XXXX credit score. Discover advertise that its secure IT credit card can help to improve credit score, build better and longer credit history and overall credibility. 
It also indicated that its secured card is for people with poor to fair score and short credit history and that despite presence of those negative factors applicants has high chance of approval. 
At the time of my application my XXXX score was XXXX - Good, The length of credit : Fair, Credit Mixt- Good, Credit payments : very good, Credit Utilization : Fair. 
Despite my good credit report and score and that this was Secured card application the Discover denied my application. Moreover, Discover in response to my application did hard pull inquiry with XXXX XXXX which lowered my score- they did not in their application that they would do hard pull inquiry. i did not authorize such inquiry and I consider it illegal. 
When I asked their representative about their motives of denial I was told it was due to my short length of credit history ( which was reported by XXXX as " fair '' ). I told their representative that they promise potential applicants for secure Discover It card to improve their credit aspect including length of credit and score and that their denial of my application is contrary to what they advertise on line. I have not received any logical justification of their decision. Besides when issuing this type of card the bank Discover would not be assuming any risk as secured credit cards are backed by applicant 's own funds paid as face value of the his/her own card. This is misleading consumers practices by Discover company. No written letter of explanation of the denial was ever sent to me, the denial appear at the end of my application without any reasons.
Product: Credit reporting or other personal consumer reports

Complaint Description : I recently discovered that my identity was stolen, and fraudulent accounts and transactions have appeared on my credit report. These unauthorized activities have negatively impacted my credit score and financial standing. 

Details of the Issue : I did not authorize these accounts or transactions. 

I have contacted the credit bureaus ( XXXX, XXXX, and XXXX ) to dispute the fraudulent items, but the issue has not been fully resolved. 

I have also reached out to the creditors involved, but I am still facing difficulties in removing these unauthorized accounts from my credit report. 

The fraudulent activity has caused financial harm, including potential denial of credit, increased interest rates, and reputational damage. 


Actions Taken : Reported the identity theft to the Federal Trade Commission ( FTC ) via IdentityTheft.gov. 

Filed disputes with the major credit bureaus. 

Attempted to resolve the issue with the creditors but have not received satisfactory assistance. 

Filed a police report ( if applicable ). 



Requested Resolution : I request that the CFPB intervene to ensure that the credit bureaus and creditors properly investigate and remove all fraudulent accounts and transactions from my credit report. Additionally, I request that my credit file be corrected and any negative impact on my credit score be rectified. 

Here are the following accounts XXXX 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: Checking or savings account

Where can I send screenshots? I opened the account on XX/XX/2023. I have emails on XX/XX/2023. XX/XX/2023 and XX/XX/2023 about XXXX emails explaining how XXXX XXXX made a mistake on my promo code and that it was his fault and before we signed up at the bank we were told by XXXX XXXX that he will honor the promo. He lied and I have not yet received the promo and they denied it again knowing it is wrong and illegal. XXXX the supervisor denied it and did not care and I told her I have tangible evidence of screenshots that can prove Im not lying and they are in the wrong. We also had a valid address and lease in Florida.
Product: Credit card

Examine the attached documents. I request an investigation into these accounts where I have never been late, but they are incorrectly reported as such.
Product: Checking or savings account

This complaint is in reference to the previous complaints filed in XXXX ( Complaint XXXX ) AND XXXX ( Complaint XXXX ). Wells Fargo is selling customer account information to XXXX XXXX XXXX and possibly every county in NC. Since at least XXXX XXXX XXXX XXXX repeatedly accessed my mother 's bank account without written authorization from her or me as her Power of Attorney. The account information is being sent electronically to XXXX from Wells Fargo. Wells Fargo stated that XXXX had authorization and yet no one has presented their supposed proof of authorization. 

I have emails from a XXXX employee that was working on my mothers case stating that he obtained authorization from another employee and provided the person 's signature. XXXX had no authority over my mother to be doing this. He was so comfortable saying this and providing the email because they do it ALL THE TIME. These are clear violations of Gramm-Leach-Bliley Act. 

Wells Fargo admitted in their XXXX complaint response that a third party released the account information. I want Wells Fargo to Explain how another organization has Wells Fargo Bank account data. Wells Fargo is the sole source of customer account information. Why is a data feed of customer account information being sent to XXXX XXXX through a 3rd party AND possibly the entire state system of NC XXXX. Again, this is a violation of Gramm-Leach-Bliley Act.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$7000.00} XXXX XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies reported charge offs on my credit reported along with late payments but I never recieved the 1099C cancellation of debt form therefore these companies are reporting innacurate information. Please remove accounts in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency connot furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card occount under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

An application was submitted and approved without my knowledge or involvement for a checking account in my name at Wells Fargo Bank on Saturday XXXX. I received a series of emails over a XXXX minute period documenting the the application and approval process. Upon receipt of the emails I immediately looked up the customer service phone number at Wells Fargo bank to address the newly opened account. The Wells Fargo Bank XXXX XXXX department did verify the account had been opened in my name. They informed me that the checking account was closed today and they will follow up via mail with the results of their investigation.
Product: Debt collection

Repeated daily calls on my primary phone which I get spam calls all day so I ignored all Called me on my work phone and spoofed their number to be called from my employer to get me to answer? Is that even allowed?
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX :
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please take immediate action to remove the unauthorized inquiries from my credit report, as they were not made with my consent and are causing me great stress.
Product: Debt collection

Called on XXXX XX/XX/2021 Received letter in mail from Allied International Credit Corp ( US ) XXXX XXXX XXXX  XXXX XXXX XXXX, Virginia XXXX Telephone XXXX XXXX XXXX Letter had reference number, along with the creditor listed as XXXX the account number only has first 3 numbers then asterisk after XXXX XXXX ). The amount owed is {$380.00}. I called the number and spoke with representative. He informed me this was for an XXXX  seller, I let him know I have never sold anything on XXXX. He then asked me if about several different types of contact information, such and email, user name, and telephone number..none of which belong to me an I do not recognize them. He asked me about 2 items, some type of table, and some shoe orthotics..I am assuming these are the items that were sold on XXXX, but again, I have never sold any items on XXXX. He told me that he would report it as fraudulent, and I would have to check back in 18 days to see what the fraud department says. I asked for name and reference number but he would not give me one ... I thought this was strange. I have forwarded a pic of the letter to the XXXX  spoofing email, but I cant get in contact with anyone at XXXX. 
This seems like a scam, there are several people who have asked questions about this company on the XXXX website ... goes back for a few years. Seems like it has been around for a while, but if it is a scam why are they allowed to get away with it? 
I do not want to be reported to debt collection for a fraudulent debt.
Product: Checking or savings account

In the document provided, there is a checking account from Bank of America where it was closed due to a scam upon myself. I was investigated by the bank itself and found of no wrongdoing. How do I get this off my report?
Product: Debt or credit management

Every month i get charged money from my cash app card and i be needing to buy things and i dont get to because they take money from the card with asking.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX number : XXXX
Product: Mortgage

We wanted to refinance our mortgage and were well into the process when the broker requested a payoff amount. When we got the statement with the payoff amount from the loan servicing company, it included a request to pay roughly {$5100.00} for property taxes. 

This was odd, because XXXX XXXX XXXX held our property taxes in escrow every month and had over {$7100.00} in an escrow account. Why did they need an additional {$5100.00}? 

We called and asked and they said the {$5100.00} was to pay property taxes if the loan closed after the taxes were due. We were thoroughly confused because - of course - they had {$7100.00} in an escrow account they could use to pay the {$5100.00} in property taxes. 

So, I was stuck. The lender would not refi the mortgage without a proper payoff amount and XXXX XXXX XXXX would not change the payoff amount. I eventually called an attorney and he got the loan servicer to update the payoff amount. 

We thought we were in good shape, but then the broker told me the new lender was dragging their feet and that we would need to finance an additional {$5100.00} to cover the property taxes. 

It did n't make any sense, but we were in a very bad mortgage and we desperately needed to lower the payment so we just XXXX XXXX the {$5100.00} only increased our payment by {$12.00} a month, and we assumed we would be getting the escrow amount of {$7100.00} back, so we just went with the new loan. 

Last week, we received an escrow distribution of {$1200.00}. They kept roughly {$6000.00} and we financed an additional {$5100.00}. I do n't know who cheated us out of our money but it 's clear to me that we were taken advantage of.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received a letter from XXXX XXXX XXXX stating that they were attempting to collect a debt for XXXX XXXX XXXX. Immediately I got scared and started asking questions. I never checked my credit profile before. I did not even know much about credit to begin with. I created an XXXX, XXXX and TransUnion account and I started going down the list of items that are on my credit report. I noticed many things that were on my report that I were wrong, so I updated my information. But this account that is on my credit report I have no idea what it is nor where it's from. I did not create this account and did not make this charge. That is when I realized that I am a victim of identity theft. I did not make this charge, nor did I open this account. This is a fraudulent account that I did not authorize. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. I submitted documents here and to the credit bureau. I just had to obtain a new driver license number because someone is using my name everywhere. I was just informed that XXXX XXXX had a data breach and my information was stolen as well on XX/XX/2021. In XXXX someone surrendered my XXXX license for a XXXX ID. I have been forced to live like this I would like for the credit bureaus to remove my disputes. I have sent in all my personal information correct name and address and XXXX and Equifax will not update my information. Even according to XXXX my information is e erywhere.
Product: Credit reporting or other personal consumer reports

I called you on Wednesday XX/XX/2023, and you informed me that someone stole my social security number by the name of XXXX XXXX and has used my credit to open an account or accounts without my knowledge. I can not get an Equifax report and I am requesting one. Equifax keeps sending the same letter requesting valid proof of my ID. I have sent them this information TWICE and they keep sending the same letter. I have sent them my driver 's license, SSN, and XXXX proofs of residence. I just want to review my credit report so I can see if this thief has opened accounts or not. This is so frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this letter may concern, I am reaching out about my dispute and validation letter request, I have filed back in the early-part of XX/XX/2023 to all three Credit bureaus ( Experian, XXXX, XXXX XXXX ) XXXX have spoken to each representative of all three credit bureaus in regard about my disputes and validation letter stating a requesting for proof of validation and given 30 for the investigation from the original debt creditor. I have experienced the response from all three credit bureaus.The first was from XXXX. The XXXX associate ( s ) lied to and stated they have not seen letter, then it was stated that they received a letter from a third-party. I verified the letter to them and spoke about when I sent it out and the Fair Credit Lending Act. I also sent out the information of there form of a dispute form over the inaccurate credit account found. I was given mixed information from both the associate and supervisor. They later verified the letter ( s ) that where sent out and want to me re-submit another dispute on the phone/email. There was not result resolution to this issue and I would like for it be taken Care for me please. I have experience similar experience with the other two as well. all I have received from them is that my information is still " pending '' on their investigation timeframe. I had sure to give additional time on the matter, still failed to verify back this information I am request and I would like for taken care effective immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my credit report. Please remove these accounts from my report. They are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : 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 XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX