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

An unknown individual that lives at XXXX XXXX XXXX XXXX in XXXX CA XXXX on space # XXXX has used my social security to get an installment loan from XXXX on XX/XX/XXXX and XXXX canceled it on XX/XX/XXXX after the unknown individual had stolen {$5400.00}. I noticed of this theft today after signing up for XXXX to check my credit score. I also noticed another highly impactful Revolving credit card that was NOT taken out by me from citicards Cbna for {$1400.00} on XX/XX/XXXX, these are two out of fifteen loan/credit cards this unknown individual stole from these companies under my social. These actions have impacted my credit score to sink. Every loan after XXXX on my credit score was a fraud, the only credit cards I have ever taken out myself were XXXX XXXX on XX/XX/XXXX and from my job XXXX on XX/XX/XXXX. Everything after XXXX was NOT me I would like help with this crime committed on my credit please!
Product: Checking or savings account

On Thursday, XX/XX/2022, I noticed an online transfer of {$1500.00} taken from one my XXXX account. Earlier that day, I had been checking my bank account online and didn't see the transfer until around XXXX when I just finished running errands. As soon as I saw the large, unknown, online transfer, I called my bank 's customer service number immediately and was told to call their identity theft number first thing in the morning. Next morning, I checked my bank account and noticed another {$500.00} was taken. This time I was able to see where it was being " transferred '' to. It showed " online transfer to an account ending in XXXX. Super confused because I've never seen that account number or anything close to it. I called the number they provided me with the number for the bank 's identity theft department and they informed it was definitely a case of identity theft then walked me through the steps I needed to take. That day, the person over the phone closed my XXXX  account, had me change my username/password and recommended I check my phone and laptop for viruses. After doing all that, I filed a report on XXXX, and also called my local police department and asked for a police report to file. I got denied twice from my bank 's investigation team and never got a clear reason as to why it was denied or how. The bank explained that they allowed this person to do a whole bunch of activity online. They opened this new account online, ordered a new debit card I believe and also changed my email address. When I heard this information I explained as to why they didn't send me a verification code to my phone number or current email before they allowed this change. I check my messages and emails multiple times during the day so I could've prevented this from happening but because the bank did neither of these things, this person was able to change my personal information and take from me at their expense. I've explained to multiple people from the company that I've only lived in XXXX and I haven't left in years. And this person who ever got ahold of my information, did it in XXXXXXXX XXXXXXXX. They opened the account there, withdrew all my money from an atm there in XXXX. I live in XXXXXXXX XXXX  and I work full-time here as well. I've talked to my bank 's supervisor and didn't receive that much help either which is super frustrating in this traumatic situation because I feel as though it's completely obvious it's not my activity at all. I've been a customer with Wells Fargo for over 7 years and for them to allow someone to open an account, and debit card under my name, allow them to withdraw all my savings money in another state and not help me with this situation is very hurtful. I'm fling this complaint because it's been almost a month and nothing is being done by my bank to help me.
Product: Credit reporting or other personal consumer reports

I have attempted to obtain my consumer file from Lexis Nexis since XX/XX/year>. I was asked to verify my identity on three separate occasions. Once that was settled, I was sent a letter with a pin to access my report online. The pin did NOT work so I had to reach out to them again ( the customer service rep also attempted to use the pin and verified it did not work ) and they said they would send it by mail. 

I have since reached out 3 more times because the report has not been received. Each time they have insisted it has been sent and will send another copy. It is now XXXX and I have never received this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with KOHLS/CAPONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX  and XXXX  and KOHLS/CAPONE with no successful resolution. There was definitely an error on their part.
Product: Credit card

Made a purchase at Kohl 's in XXXX. Never received an email or written statement. They called yesterday to tell me that I had n't paid in two months and that I had the wrong email on file, However, I continue to receive emails regarding other announcements from Kohl 's. I have never been late on a payment for anything and this {$29.00} purchase is affecting my credit. My penalty was {$81.00}. I promptly closed my credit card with Kohl 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Mortgage

XXXX XXXX XXXX XXXXXXXX paid my mortgage XXXX through XX/XX/XXXX and XXXX through XX/XX/XXXX. This was based on what my mortgage provider 21st Mortgage, provided to XXXX. 

Somehow, the XXXX payment was missed. On XX/XX/XXXX, I sent an email to XXXX after I spoke to XXXX. I advised XXXX they had to send a message to TXHAF to request payment for XXXX. 

Only today, XX/XX/XXXX, XXXX informed me that they need a new payment case from XXXX. XXXX refuses to take any further action. 

NOTE : XXXX obtained the amount for payments directly from XXXX Mortgage, not from me. XXXX was supposed to care for payments from XXXX through XX/XX/XXXX. I was responsible for XXXX, XXXX and XXXX. 

XXXX has opened XXXX inquiries on their side, but I am not aware of any further actions yet. However, I am grateful that they paid most of XXXX for me. Their agents have been consistently kind and helpful. 

I need help. I can't lose my home. I have nowhere to go.
Product: Credit card or prepaid card

I have enrolled in the AMEX Offer for XXXX XXXX XXXX Small Business Internet. I have made a payment on XX/XX/2018 for {$200.00} to my XXXX XXXX XXXX Small Business Internet account via XXXX. The transaction posted as follows : XXXX XXXX XXXX HSIA BUS E-EVR XXXX XXXX XXXX XXXX - XXXX TX XXXX UNITED STATES XXXX Additional Information : XXXX XXXX XXXX XXXX HSIA XXXX XXXX XXXX HSIA Reference : XXXX Category : Communications - Cable & Internet Comm I have contacted AMEX via chat twice and phone. I was told that the transaction is not qualifying for the credit because it is a XXXX XXXX XXXX HSIA not XXXX XXXX XXXX Small Business Internet. However, per XXXX XXXX XXXX and by technical standard, HSIA stands for High Speed Internet Access. Therefore, the transaction should be read as XXXX XXXX XXXX High Speed Internet Access Business and should be considered as qualifying purchase as per the offer.
Product: Vehicle loan or lease

X/XX/17, amount 626.00, advised will file bankruptcy and unemployed. The company repossessed the car, and kept changing the requested amount dates as X/XX/17, X/XX/17, and now was advised of another date. The customer service representative was very irate and refused to give me a date of the extension for XXXX. I advised I have XXXX XXXX XXXX and need to speak with the supervisor he was not available. She made me feel uneasy, harassed, and not secure to pay that amount of money with someone that aggressive. I ask for the dates she refused to tell me. No empathy, lack of referencing the notes to notice In going to file bankruptcy and I 'm unemployed. Very aggressive first party collections practices they call me 3x a day which it should be only two if left a voicemail. I feel like I being harassed for something I can not control anymore since they took the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian Four letters requesting that they remove addresses that are not mine. 

They recently removed someone else 's social security number from my credit report and need to remove the addresses that are not mine as well. 

I have a fraud alert on my file to prevent any further wrong names, addresses, and socials from being reported onto my credit report. 

I have done all I can do as a consumer to correct this problem. 

I spoke with a an agent by the name of XXXX from the Gladiator department who stated " the law says if you dispute information on your credit report you need to contact the person who is reporting it '' He then proceeded to tell me to reach out to the collection company to remove the wrong address '' Experian, please show me in the law where it states I have to call a collection company to have a wrong addresses removed from my report. 

The last time I read, I needed to call you guys to do that. 

Is this a new policy of Experian? to redirect the consumer to another company to fix an issue you are reporting? 

Are you guys refusing to remove addresses when a consumer notifies you that is not theirs because a collection agency is reporting it? 


Please answer these questions.. 
Because I have addresses listed on my report that any reasonable person can take a look and see that it's wrong. 

PLEASE CONFIRM THAT YOU REMOVED THE ADDRESSES I HAVE REQUESTED TO BE REMOVED IN THE RESILUTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card under open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electro
nic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$2300.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account.

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5900.00} -This is not my account. 

7. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 

10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

11. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$49000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account.
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Tn XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX XXXX Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report. 

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report. 

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable. 
Removal of this account from my credit report if validation can not be provided or if it has been resolved in full. 
To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ). 
A copy of any correspondence or documentation related to this account ( if applicable ). 
I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies. 

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX or XXXX. 

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

the payment history of this closed account was not accurately reported to all 3 credit agencies this is inaccurate reporting. pursuant to 15 usc 1681 ( a ) Accuracy and fairness of credit reporting, I was never late and also a violation of 15 usc 1681b ( a ) ( 2 ) i did not give written notice to furnish or report any information about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never provide my consent to report any of my nonpublic private consumer information. This is authorized use and is identity theft. I hereby Opt-Out of any consent obtained to report my nonpublic private consumer information pursuant to Regulation P of the CFR. 

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes with Equifax. They refuse to remove the in accurate information. I have sent letters, which i attached below as well as spoke with several representatives between the creditors and Equuifax. 

Equifax has an address on file that does not belong to me, not associated with any account reporting. I have disputed twice in the last 60 days alone, XX/XX/XXXX and XX/XX/XXXX. The dispute resolved both time, with the address still reporting. This is not my address, never resided at this address. 

There are several inquiries being reported, that i did not authorize or give permission to the creditors to pull my credit. I contacted Equifax by phone and letter and was informed to contact the creditors directly, so i did so. The creditors did not provide me with any information proving authorization from me to pull my credit. They sent letters stating to contact Equifax to have the inquiries removed. I am being bounced between the creditor and Equifax and no has provided me with any proof or validation. I am not disputing any inquiries i am aware of. I know what i applied for. These companies do not have a right to pre screen or pre approve me for anything i did not agree too. I've asked them all to take me out of their data base as well as opted out of prescreening all together to prevent this from happening again. 

Some of the creditors agreed to remove the inquiries, XXXX XXXXXXXX XXXX ( letter of removal attached ) i sent this letter to Equifax and this account has yet to be removed. XXXX investigated and removed the inquiry. XXXX XXXX, provided me a confirmation number of XXXX XX/XX/XXXX and this account is still present. 

XXXX XXXX pulled my report 3 times unauthorized. They sent me a letter with a name that is not even mine, XXXX XXXX. My name is XXXX XXXX. stating they received a application via internet website. I have no idea what this company is. I never applied for their services, where is the application? they can not provide it! 

XXXX, I never applied for a credit card with their company. Yes i have a free XXXX XXXX account as do most people in the country, but I never applied for credit with them. They too unable to provide proof of application. 

I sent all this information to Equafix and they are doing nothing about it, these accounts are still present on my report. 

I attached all of my communication with Equifax and the Creditors for your review. 

Please also note that i was a victim of the most recent Equifax Security Breech as well.
Product: Debt collection

The original creditor of this fraudulent account sent me a letter stating that they have removed the account from the credit reporting agencies and that it is no longer being pursued. Well it was removed within the last 30 days under the XXXX XXXX XXXX but now there is a totally new account that has shown back up for a {$1000.00}, which is way higher than the {$100.00}, & {$250.00} that it was previously listed. 
I'm not sure what is going on with this creditor. But this is causing me to not get approved for a house I'm trying to get pre-approved for. 
This is not fair to constantly having to dispute back and forth when they have already received all the proof of fraud, which is why they deleted the previous 2 disputed accounts.
Product: Credit reporting or other personal consumer reports

i have a late payment being reported by Bank of America and its in violation of The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, passed by congress and signed into law on XX/XX/year>, contains a provision explicitly addressing the FCRA. Section 4021 they reported a late payment on XXXXXXXX XXXX XXXX which should not have been reported i contacted them and explained the situation that i was affected by the corona virus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been getting the run around. My credit card statement generated on XX/XX/XXXX.

The credit report should have been updated the following business day XX/XX/XXXX to reflect my new credit card balance. My credit card is paid down close to XXXX   balance, but it has yet to be updated. When I contacted XXXX, they advised that the report was updated on XX/XX/XXXX. This isn't accurate.

When I contacted Capital One, they advised to contact XX/XX/XXXX. I'm in the process of buying a home and the maxed out credit card status is preventing me from doing so.