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

For months I have been trying to have an account that I did not recognize and therefore was fraudulent from my consumer credit report. The account being referenced is from XXXX XXXX XXXX. I have disputed this account with the credit reporting agency several times, asking them to not just verify but validate that this account belongs to me. Each time I either received no response at all, for our received a very generic one or two sentence response, which I can only assume is in auto response form letter that does not provide the information I requested in regards to how the account was validated. Specifically, what method was used, what phone number/address was used, who was spoken to, and what documentation was provided to them that allow them to reach this conclusion. Which is also required by law to ensure that they conduct a reasonable investigation, and not just be able to say whatever they want, but have to actually prove it. 

I have also reached out to the creditor that was listed on this account. Both by phone, and certified mail. By phone the individuals I spoke to informed me that they do not have any account by my name or by the listed account number on their records. So I sent letters via certified mail to the addresses listed for the creditors on my consumer credit report on Those letters were received on And as of this time I have not received a response from them. Which puts them out of the 30 days they are allowed by law to respond which makes the nail noncompliant which means this account must now be removed immediately. 

Here is a list of all the letters I have sent regarding this matter along with the dates they were sent, the dates they were received, and the response. 

Dispute sent to Transunion XX/XX/2021, received XX/XX/2021. Response : XXXX XXXXXXXX 
Dispute sent to Transunion XX/XX/2021, received XX/XX/2021. Response : XXXX XXXX 
Dispute sent to Transunion XX/XX/2021, received XX/XX/2021. Response : XXXX XXXX XXXX XXXX XXXX Request for XXXX XXXX XXXX  sent to XXXX XXXX XXXX XX/XX/2021 XXXX received XX/XX/2021. XXXX XXXX. 
Request for XXXX XXXX XXXX sent to XXXX XXXX XXXX XX/XX/2021 XXXX received XX/XX/2021. XXXX XXXX. 

You will find all of the letters mentioned above as well as an ftc report and XXXX data breach claim attached to this complaint. 

Thank you
Product: Checking or savings account

Hello, I wss in XXXX XXXX then night of XX/XX//24. My phone was taken out of my purse and purchases were made using my XXXX, XXXX and debit card. They were able to get inside my phone because I assume they watched me put my passcode in. Once they got in my phone they were able to log into my bank accounts because it's saved passwords. I contacted Wells Fargo immediately the next morning once I was able to get access to a temporary phone and filed fraud. I provided Wells Fargo with my police report, an FBI IC3 report, a phone insurance claim proving my phone was stolen on XXXX and they refuse to give me my money back. I have gone into their office multiple times and faxed them information. I even gave them the detective 's information who was working with me and refuse to give me my money back. I have banked with this bank for close to a decade and have never claimed fraud. I have attached my police report, FBI report and insurane claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with EQUIFAX & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to OPEN/never late. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. This is a strict violation of Fair Credit Reporting Act sections 611, 616 & 617.. 


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

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate. 
Under 15 U.S.C. {$16000.00} ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check all three bureaus and realize that things are not bein update. I paid my bills on time and the bureaus have not updated in two months this is effecting my credit score and is not fair when im paying on time and it should be updated once a month if not more. I would them to update all my payment made on time for XXXX XXXX XXXX  and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Product: Debt collection

On or around XXXX or XXXX of XXXX, I was served several documents stating that I owe the department store XXXX XXXX at the approximate amount of over {$21000.00}. I stated to my Attorney that I was aware of the credit card but not responsible for the astronomical amount shown on the documents I was served. I obtained my credit report around the years of XXXX and XXXX to date through my credit repairing company and there was nothing on my credit report on the above years stated. Once I received documents, I contacted my Attorney. I suspected fraud and went to the local Police Department and filed a police report on this issue.
Product: Checking or savings account

Capital One did not let customers know about issues with direct deposits not being done by expected date. I bank with them so my direct deposit from my work gets to me early. It has been 3 days and there is no timeframe of when I can expect my funds to be available. In the meantime my bills that are on autopay are being declined and I will be penalized and charged late fees that I am sure Capital One will not take responsibility for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly secure my personal and financial information, resulting in a data breach that put that information into the hands of unauthorized users. The website they set up, using non-secure methods and on a non-affiliated domain name with anonymized who-is information and improper SSL encryption, reported this.
Product: Credit reporting or other personal consumer reports

Tried to log into Equifax website to file a dispute, it will not allow me log in to file a dispute. I called to resolve the log in issue, and they said nothing can be done and I would have to wait until they contact me, they never did. 

I then decided to send my dispute in the mail, then they denied my dispute stating that to process the dispute I would have to send a a copy of my drivers license. So I sent the dispute again with a copy of my drivers license, and they send me another letter saying that I need to send in a copy of my drivers license AND a copy of my W2. So i sent my dispute with both a copy of my drivers license and W2, and they rejected it again saying I still needed those copies. 

They are refusing to process my dispute which is not allowed under the FCRA, and i don't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the middle of XXXX I started the process of taking care of collection accounts on my credit report I had gotten information from the collectors and handled the matters as far as contacting my insurance and then we contacting them I contacted Experian and they told me they had got any information from the debt collector to have the account removed off my credit. Several times from the beginning of XXXX until the XXXX of XXXX I have been playing phone tag with Experian and XXXX and associates to have this matter taken care of I was then advised on XX/XX/XXXX by an experience dispute representative that if I got the letter from XXXX XXXX  XXXX as well saying that they were no longer reporting to send it to them to have the account removed off of my report I've done that several times as far as resubmitting disputes it's still showing. Today is XX/XX/XXXX I have called them three times already today and Experian still has refused to take the accounts off of my report they keep giving me the runaround they have expressed that they've received the letter for me from the collection agency however I still need to wait and I feel that this is completely against my rights and they need to take care of the situation.
Product: Credit card

On XX/XX/XXXX, I authorized a charge to my credit card from the retailer XXXX for my girlfriend as a XXXX present. It was eventually delivered, supposedly after the package was delayed multiple times ; however, I never got the package. I checked with my neighbors, who said they never got anything either. After this, I contacted the retailer, who then told me to contact XXXX. After UPS told me there was nothing they could do, I submitted a dispute because my situation followed under the XXXX protections because I never received it. so I filed a dispute with Discover, my credit card company, and initially, I was refunded for the purchase. However, on XX/XX/XXXX, I received a notification that the charge was valid, and because of that, the XXXX dollars was retaken from my account. I called today, XXXX, XX/XX/XXXX, asking why this happened. They said that because the item was delivered on the UPS side, I was not eligible for my refund, which makes no sense I would understand if the package had a signature requirement or something, and because of that, I would not receive my refund because I signed for the item, but I did not I received a notification it was delivered looked around checked all of my neighbor 's packages and nothing. Then, today, on XX/XX/XXXX, they told me to call the shipping company again and ask them for a refund. But I know, based on the XXXX, if an item was not delivered, I'm entitled to a refund. I even told them that on the phone, and they still told me they could do nothing. Long story short, because my item had a tracking number, I was not eligible for a refund even though I never received the item
Product: Credit reporting or other personal consumer reports

On friday XX/XX/2024 i received an inquiry on my Transunion credit report from XXXX XXXX I strongly believe this is a Mistake because that is my credit union but that inquiry is not attached to an open account.
Product: Credit reporting

My account with XXXX was settled eight years ago, but it is still showing up as a negative on my credit reporting with TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car was sold and it havent updated on my credit. I dispute it off but nothing was done beside it said my info was verified. The account is closed and they are reporting that I still have this car.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen on or about XXXX of this year. 
I took ALL steps in order to try and put a stop to whomever it was that hacked my computer copies all my cards/bank accounts/savings etc and yet when I am checking my report on on three credit bureau 's there are numerous, I repeat numerous errors not reflecting the corrections made after I spent months trying to fix my credit. I went from having a near perfect XXXX XXXX now down to fair/poor. 

I had to file multiple complaints with the FDIC regarding XXXX XXXX ( also not reflecting on my credit reports ( all three ) Many of my CC reduced my available credit b/c of the identity theft and yet it has not been reported. 

This has nearly ruined my life. I have always been extremely responsible making sure I have autopay set up so I never miss any payments and yet again, this is not reflected on my credit reports. I have asked each and every one of my credit cards and my bank to alert all the credit bureaus ' about the errors and was assured they would do so but after reviewing all 3 of my reports I see that is not the case.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, XXXX purchased my student loans from Nelnet. XXXX updated the information on XXXX and XXXX Credit Bureaus, but not XXXX. As a result, it incorrectly shows that I owe both Nelnet and XXXX for student loans. However, the Nelnet balance should be {$0.00}. I have contacted XXXX, XXXX, and Nelnet. Each organization is blaming the other. XXXX, despite me submitting evidence that the account balance is {$0.00}, says that it's up to Nelnet to update the correct balance. Nelnet blames XXXX for not reporting that it paid the account off. XXXX says that Nelnet is responsible for updating the account balance. XXXX and Nelnet both agree that the account balance is {$0.00}, but refuse to report it correctly to XXXX.
Product: Debt collection

Knight Adjustment Bureaus added a collection item on my credit report. I had no idea I had this debt until I checked my credit. They failed to send me any notices about this debt, with no phone calls or notifications. As soon I found out about the debt I paid it. They are in violation my 30 day right to dispute.
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 : XXXX XXXX : Account NumberXXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX : Account Number:XXXX  Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX  : Account Number:XXXX Account Name : XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 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 XXXX 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 card

On XX/XX/year> I received a hairstyle from merchant XXXX and was charged {$260.00}. Because I was both unsatisfied with the work and the merchant and I had a verbal agreement of a different price, I initiated a chargeback on my account on XX/XX/year>. I received a credit from my issuing bank Capital One on XX/XX/year> for the amount of {$260.00} while the investigation was open. On XX/XX/year> the merchant charged my card for {$260.00} and a purchase adjusted was made by my bank on XX/XX/year> in the amount of {$260.00}, issuing a refund back to the merchant, because the merchant responded to my dispute. I received a letter from Capital One requesting more details to help resolve the case but I spoke with the merchant that same day and decided not to pursue the matter and further and refused to turn in any information in order for the matter to resolve itself. Per capital ones terms and conditions I had 45 days to respond to case XXXX or the case would be automatically closed on XX/XX/year>. On XX/XX/year> the merchant charged an additional {$260.00} because they had not received the initial {$260.00} from case XXXX. I disputed the transaction because the {$260.00} credit I received on XX/XX/XXXX was reversed, meaning that my issuing bank had refunded the merchant the money and she should have received it on XX/XX/XXXX. I initiated another chargeback for the additional amount of {$260.00} made on XX/XX/XXXX because my bank had already issued a refund for the first chargeback. I was told on XX/XX/year> by Capital One that it is likely that her bank is holding her refund that they issued and that she should contact her bank with the case number XXXX to resolve the issue because it is out of Capital Ones control. But as the buyer my credit for the {$260.00} that was issued on XX/XX/year>, was reversed because the merchant responded, showing proof they never received a refund. I responded to their letter multiple times on both XX/XX/year> and XX/XX/year> showing proof that Capital One issued a refund to the merchant on XX/XX/XXXX and both times I was told I had insufficient evidence and that they would no longer be able to pursue the case and decided to close it on XX/XX/XXXX. I reached out to the merchant on XX/XX/year> and the merchant stated they still had not received a refund from their bank and she is refusing to offer a refund or speak with her bank to see where the initial refund went. So now as the consumer I am being forced to pay an additional {$260.00} because either Capital One or the merchants bank XXXX, is holding the {$260.00} refund that was issued on XX/XX/XXXX.
Product: Checking or savings account

I Was using Chime to receive my direct deposit Its. Everything was going fine until I was incarcerated in 2020. I had A little over {$5000.00} it's in my chime account until I was incarcerated While spending time in jail I could not give anybody my Personal information such as my social security number to access my account I account and of course I could not access my account my account myself. When I Was released from jail the 1st thing I did was try to log into my bank account and I was told that my account was closed I have been sending email after email after email to chime customer support months later I finally received a response and they told me they would look intold me they were looking to my problem until finally after some time XXXX after some time they responded and told me they determined I was uneligible to receive my own money. I have no idea how this could not be illegal I need my money. there was nothing I could do about my account Not being used for that period of time either way it was my money and when they close my account I should have been sent that money immediately please get me my money return to me thank you. I will attach whatever emails I have what what please note the email I use now is different from the email address I had when I opened the time account
Product: Vehicle loan or lease

In XX/XX/XXXX, my XXXX XXXX XXXX was stolen over the holidays. I kept in touch with Kia Motor Finance throughout the entire ordeal to inform them that there would be a balancing remaining after the insurance and GAP mailed payments. The remaining balance was over {$13000.00} and I requested in writing a payment plan. I was given over the telephone a payment option of {$2100.00} per month for 6 months. I requested numerous times to speak to a supervisor so that I could make other reasonable payment arrangements so that my credit would not be damaged. Within a period of time, my account was charged off and reported negatively on my credit. As of XX/XX/XXXX, I initiated arbitration with Kia Motor Finance and XXXX XXXX. I was told that XXXX XXXX was collecting for Kia Motor Finance and the debt was not sold. XX/XX/XXXX, Kia Motor Finance did not answer to arbitration and XXXX XXXX sold the debt to XXXX XXXX XXXX. I was again informed that Kia did not sell the debt. XX/XX/XXXX, I received a call from XXXX XXXX XXXX XXXX inquiring about arbitration. I was informed by XXXX XXXX that his law firm was attempting to collect and he would ask his employer ( Kia Motors ) to delete the trade line from my credit report if I could pay at least half of the balance and make payments. What I was unaware of at the time, was that XXXX was also hired to collect on the balance. I decided to settle with XXXX on XX/XX/XXXX. I have attempted to make contact with Kia Motors Fiance to request that the trade line be deleted from my credit reports as I have settled and paid in full. I have already suffered from the affects of the negative reporting by Kia Motors Fiance and I have settled for the amount that Kia Motors authorized XXXX to offer.