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

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 a personal credit card account opened at XXXX XXXX XXXX XXXX On XX/XX/2021. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 card or prepaid card

I have for over 4 months since the month of XX/XX/2020 tried to get my stimulas bank card from chase sent to me at both my po box and personal address as well. And someone has illegally seized my stimulas benefit bank card without telling me and taking advantage during covid-19 delays. I would like to know why my bank card was illegally seized. I read that it is against debt collection practices to seize a bank card during covid pandemic. I also have gone to the bank chase at multiple locations and turned in my old bank card as well in person to the bank teller thinking it was that. It was not that. Can you please get back to me at phone number XXXX
Product: Credit reporting or other personal consumer reports

I have asked the credit reporting agencies to properly update my information I provided. accounts just poping up reporting inaccurate and lowering my credit worthiness score. with credit score being such a key factor in companies approval process this has now become harmful to me and my family. they have not done any updates to my credit profile.
Product: Credit reporting or other personal consumer reports

PURSUANT TO 15 USC 1681 REPORTING DATA BREACH Between XX/XX/year> and XX/XX/year>, a former employee may have accessed and shared my personal information. The employee has since been terminated, and there is an active investigation underway in partnership with law enforcement.

The personal information shared included my name, contact information, date of birth, account number and transactional data.
Product: Credit card

I have several credit cards with Chase. Two of these cards end in XXXX and XXXX. I make my payments online every month and have never been late making a payment. However, during the past several months it has become increasingly difficult for me to make my payments online because Chase has been making it almost impossible for me to login and make my payments. Chase has a very difficult system to use and even after many attempts which have resulted in my being locked out of my account, unable to make a payment. To add insult to injury, I am using the correct login password, account name, and whatever additional password they require for me to login to my Chase accounts. 

It is difficult to determine if these increasingly difficult payment roadblocks are intentional or not. However, I often have to spend an hour trying to login to my credit card accounts. This is not only customer-unfriendly, it is also unnecessary. I have other credit cards where I never have this problem.

Perhaps Chase is creating this online obstacle for online payments in an attempt to generate late fees, discourage customers from having online access to their credit card accounts, or for some other undisclosed reason.

That being said, paying my Chase cards is becoming a time-consuming burden that is making it difficult, and in some cases impossible for me to pay my Chase credit cards online.

This must stop!
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a XXXX XXXX XXXX. After reviewing my credit reports, I notices some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint report the info I am not familiar with. 

Please find attached a copy of my I.D . The FTC complaint, a copy of the XXXX report showing my information being exposed in a national database and a Validation of debt Letter.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received a letter in the mail from XXXX XXXX XXXX XXXX alleging that I owed {$54.00} for an unpaid electric bill from XXXX XXXX, the XXXX XXXX. I requested information on that date. Apparently, this was the final bill issued on XX/XX/XXXX after I ended service and I moved from that address. I had my mail forwarded to my new address. I received no information that this final bill was sent, that I owed this amount, or that I had anything due and owing to XXXX XXXX. 

I followed up with XXXX  on XX/XX/XXXX stating that if I do not receive any proof by XX/XX/XXXX that this debt was owed by me, I would consider the debt removed from my account. On XX/XX/XXXX, I received a response from XXXX  in the mail with simply a copy of the bill and nothing further such as showing that this bill was sent to me, that I owed this amount, or that I had anything due and owing to XXXX XXXX. 

The next I heard about this matter was on XX/XX/XXXX, when XXXX XXXX XXXX placed a negative mark on my credit account. After I called them, they could not describe how they obtained this debt from XXXX, and why they immediately placed a negative mark on my account. Being that I am working to obtain a loan to purchase a home and a different loan to purchase I car, I had to pay this immediately to get this off my account, with a reservation of rights. Then, they told me it would take anywhere from XXXX days for this to clear from my credit, that will likely cause me and my family great harm. 

The amount owed is miniscule to me. This is simply a matter of principle, where these predatory agencies fail to follow the law and place innocent people in their crosshairs, greatly affecting their lives. They must be punished!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution.

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers.

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account.

Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue.

Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account.

Implement measures to enhance the security of my account and prevent future occurrences.

I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter.

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Investigation Request Letter To Whom It May Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and i noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the rights to challenge anything I am not sure is accurate. Some of the people reporting things on me I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Section 1681 ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well i want these accounts deleted if they are not 100 percent accurate and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : XXXX Account Number : XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Opened : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where i can get the updated report after you investigate this. Could you please send me a copy of my credit report after this is done? Also please let me know who had access to my file as well. I want the investigation outcome to be sent to my address which is at the beginning of this letter. 

Thank you, XXXX XXXX XXXX Account XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : 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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XXXX XXXX 2017 my credit report was access by XXXX XXXX XXXX for the purposes of mortgage with my consent I however do not agree with the XXXX report that two many enquiries within the last 12 months impacted my score. 
I have not requested for any enquiry or give permission to any financial body to check my credit apart from the one of XXXX/XXXX/2017 in the last 12 months The so called 'TOO MANY ENQUIRIES ' has negatively affected my credit score
Product: Checking or savings account

Received wire in the amount of {$15000.00} on XX/XX/2024. Transfered {$5000.00} soon after to one of my XXXX Bank accounts. My dates may or may not be exact do to lack of access to my XXXX XXXX checking account. I transferred approximately an addition {$1500.00} to my XXXX account. No issues up to this point. I further requested an additional amount soon after, I believe for approximately {$2500.00}. I waited a few days and didn't hear anything. I finally get a call from Capital one with some questions about this wire request as well as the original {$15000.00} wire I received. I answered with what I thought were accurate answers at the time. The person that wired the money did so as Power of Attorney for the actual account owner. We subsequently immediately provided the power attorney to Capital One which should have answered all their questions but apparently they were standing by their illogical conclusion to close my account. I accepted this ridiculous premise and subsequent closing, only asking for funds to be released. All my multiple calls have been recorded per Capital One, and there have been many. They are apparently " still investigating '' ... ..it 's been almost 6 weeks, money has not been released to either original sender or myself. I have lost out on all the business opportunities this money was meant for and still can not get an answer from Capotal One. The person who sent money is also frustrated as they have tied our money needlessly without logical explainations given. Only that we need to wait and see what the investigator needs. We have provided anything they have asked for but can never get progress from this so called investigator who apparently has no phone number, no email address, no name, no anything that shows he even exists. We wonder who else 's money Capital One is inexusably holding and profiting from, could be quite a scam I am am thinking.
Product: Credit reporting, credit repair services, or other personal consumer reports

To EQUIFAX : I have filed a dispute several times with your company involving a Bankruptcy Public Record incorrectly reported on my Equifax credit report. The updated Equifax report shows Bankruptcy Public Record as VEFIRIED AS ACCURATE. You state you obtained Bankruptcy Public Record Information from local, state, and federal courts through a third-party vendor, XXXX. I have included a letter from XXXX stating they dont report bankruptcy on my consumer file. You have also listed the Agencys contact info as the US Bankruptcy Court. The Bankruptcy Court has both mailed me letters that emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and confirm public records. Please provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report or my release authorization bearing my signature. In the meantime, to fully comply with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Failure to respond satisfactorily within 30 days of this letter will result in a small claims action against your Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; XXXX ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Product: Debt collection

The company Credit Systems at XXXX XXXX XXXX XXXX in XXXX, Texas reported a medical debt to my credit and caused a drop. 
I have never been notified of this debt, an amount owed in this amount, or contacted by this company. 
Looking up this company online they have multiple cases of this exact scenario.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an alert on my personal credit report stating that there was a new collection account in the amount of {$1400.00}. I immediately wrote a dispute letter to the company stating that the collection was illegally placed on my credit report and I dispute the validity of the debt. I asked for proof ( Validation of Debt ), that the account was mine or immediately cease collecting and reporting. I did not receive any response and the collection stayed on my report. 

On XX/XX/2022, I wrote yet again another letter stating that I was responding for a second time regarding the above referenced collection account and did not owe any company {$1400.00}. I included that I previously responded back on XX/XX/2022, disputing the collection account and they did not provide me with a " Validation of Debt '' or any response at all. I once again stated that I was disputing the collection account in full and wanted it immediately removed from my personal credit report ; it still was not removed. 

Here we are XX/XX/2022, the collection account is still reporting on my XXXX and XXXX personal credit report, damaging my personal credit. I am being completely ignored by this company and it is affecting my ability to obtain any new credit accounts because of this. I want this account immediately removed from my personal credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Grain Technology has been knowingly reporting false information to the credit bureaus and has damage my credit over XXXX points. They have reported my account is delinquent as well as prior not reporting payments Since XX/XX/2022 I have been asking and demanding grain to fix the matter with no resolution in sight. They made me update my payment method on file to make payments and have still been charging me late fees and interest on an account they had yet fixed. When I updated my bank account they connected to the wrong bank account, Ive reached out and they still haven't fixed this matter. And even with the wrong bank account attached and being signed up for automatic payments they have not automatically taken my payments. Instead of resolving the matter they just reported as if I didnt make payments and charged me fees. I have proof. I plan to sue them if this isnt fixed. This is a fraudulent company, you can't even call it has taken months for them to respond to my emails and get this, the month of XXXX they have debit my checking account 2 different times. How are you double automatic charging me and still reporting me late. No one tries to help. They have already damaged my credit put on late fees requesting me to pay so they can fix it when its already damaged I been trying to pay the entire balance off for MONTHS and me paying it off now will not fix the issue they need to fix and report to the bureau so my credit is fixed once they do that I have no issue paying. If you look at the screenshots I can't make an extra payment if I wanted to. How am I late with automatic payments set up that you are not initiating or allowing me to pay? This company has been moving very untrustworthy I dont trust them to follow through on anything and they barely respond back. The degree and damage this caused Im turned down on things now. Im not the only one who this company has had this issue with them in regards to payments and wrongful credit reporting its all listed with the XXXX and CFPB under grain the digital credit card. They need to report the last amount they last reported so my credit is fixed and allow me to make my payment and report that in timely filing as well in which they have failed to do as well its a huge mess with this company and very unacceptable.please see below I have attached some info as proof as well as complaints from other people who have been going through this as well
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I contacted XXXX XXXX to inquire as to why a transaction was taking so long. The agent verified a my mailing address. Immediately I advised her my mailing address was my XXXX XXXX XXXX XXXX, FL XXXX. The address that the agent provided me was an address XXXX had listed as my address recently. After researching the address it is a home worth almost {$1.00} XXXX. It is disturbing to me that this is listed on XXXX credit bureau as my address and I am dealing with an insurance company and they mailed correspondence to this address. I did not provide this address not do I know anyone that lives there.
Product: Debt collection

Today I received a call from a lady named XXXX she stated she was calling from the XXXX XXXX law firm. She informed me I owed a pay day loan from XXXX. I told her I was a victim of identity theft and could I get more information. She said the initial loan was XXXX but went up to XXXX. She said I had 24 hrs to pay it or charges would be filed against me. I DONOT know what to do. She called from XXXX XXXX XXXX. This number isnt linked to any law firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate the account, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We have never missed a payment or have been late. 

All payments are set-up and paid automatically. 

Newrez sent us a letter stating we are late and late fees are being assesed. 

NewREZ has no easy contact to resolve. 

We would like the CFPB to step in to resolve this issue.