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

The following hard inquiries currently listed on my XXXX, XXXX and Trans Union credit report are all unauthorized and not my hard 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company mentioned below ran unauthorized credit inquiry on my credit report and these are suspicious to me : XXXX XXXX
Product: Credit reporting

On XXXX XXXX, 2015, I faxed a letter to Transunion asking for a few items to be placed under investigation. I received a letter from Transunion dated XXXX/XXXX/15, stating they do n't understand the nature of my request. My letter was very clear and concise as to what it is I am asking them for. They have delayed the process now for XXXX days, which is very unacceptable and they have failed to conduct a proper investigation as they are supposed to begin the investigation within a certain timeframe of when the request for dispute is received.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> & XXXX XXXX I disputed read allegations with Equifax. XXXX XXXX. my dispute was not resolved. Equifax has failed to the field is legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable re-investigation of this beautiful information on my credit report, leaving an accurate are unverifiable accounts unresolved. The consumer financial bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues, such as failure to forward, customer provided evidence to furnishers, excepting and reliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor remove disputed items, despite the evidence I provided, causing ongoing harm to my credit standing, I am requesting immediate corrective action to remove or anmend the disputed accounts, as Equifax in action, violates federal law in my rights as a consumer.
Product: Bank account or service

I filed A unauthorized debit on my wells fargo account the same day it was done and they close the case the next day saying that the debit was authorized on that day. according to their policy I was covered by Zero Liability protection, which mean I would not be held responsible for unauthorized transaction if reported promptly which I did the same day it was done they also said in my dispute that I said I was charge the wrong amount I did not tell them that I said unauthorized debit also I was told there no need to change or deactivate my card at this time but I feel it should have been because the company has my card number and already made XXXX withdrawal. I have been given the run around about my account on this withdrawal of {$160.00}, there was A second complaint file with this bank about a Bill pay account that I have with them set up years ago they handle for me on XXXX XXXX 2016 {$680.00} was taken out of my account sent to XXXX, but XXXX said they never received it i call my Bank and was told at first that I would have too locate the funds myself, I ask for A manager was put through to someone else and he said it would be investigated it would take about 10 business days, I have trusted Wells Fargo to handle my mortgage payment for the past 14 years but since the original account holder XXXX Bank change to XXXX the problem began. my account show that sent my payment was sent online XXXX XXXX, 2016 this one is still under investigation. I had to make an additional payment in XXXX to keep from being charge with being late. So a check was also sent to XXXX for {$680.00} now there is XXXX payment made in XXXX no Payment made XXXX but show I do not owe till XXXX my money for XXXX was deducted on XXXX XXXX, 2016 not applied to account at all.
Product: Credit card or prepaid card

On XX/XX/2022 received an email from XXXX XXXX XXXX XXXX. The email congratulated me for being approved for a credit card. The problem is, I never applied for a XXXX XXXX credit card. 

I called XXXX XXXX, explained the situation and they transferred me to their fraud department. After explaining the situation, they determined that someone had fraudulently opened an account in my name. They closed the account. 

Later in the day on XX/XX/2022, I received another email, indicating that my credit application has been approved and they were sending me a credit card w/in XXXX business days. 

I called XXXX XXXX again, concerned that this activity. After transferring to their fraud department, they determined that someone had submitted XXXX applications in my name. They assured me that both applications have been closed. 

This appears to have resolved the matter, because I have not received any additional emails. I wanted to report this because someone appears to be using my name, without my permission, to open credit accounts. I don't want my good credit ruined because of someone else 's fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$750.00} XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX  Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$9100.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX  XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since | opened this account. XXXX XXXX  Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$10000.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. Collection account from XXXX with account # XXXX and a balance of {$6900.00}. The original creditor is XXXX XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the major credit reporting agencies ( Equifax, XXXX, and XXXX ) due to the reporting of a bankruptcy on my credit report. Specifically, the credit bureaus have listed the U.S. Bankruptcy XXXX XXXX XXXX XXXX XXXX as the data furnisher of this bankruptcy information. This is false, as I have received an official letter from the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  stating that they do not furnish information to any credit reporting agencies or credit monitoring services. Furthermore, they have confirmed that they do not verify or validate any bankruptcy-related information for the credit bureaus. 

Despite providing this information to the credit bureaus and disputing the inaccurate reporting, the credit bureaus have failed to remove the erroneous bankruptcy from my credit report. This inaccurate bankruptcy listing has caused significant harm to my creditworthiness, including a negative impact on my credit score and potential denial of credit. It is crucial that this inaccurate information be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry by   XXXX   for credit card on  X/XX/2016   ,  X/XX/2016   , and  X/XX/2016   . Reported to  XXXX   X/XX/2016    as fraudulent and requested investigation/close acct. Received letter on  XX/XX/2016     XXXX  resolved in my favor and they notified  XXXX ,  XXXX , and Transunion by letter to remove acct. On  XX/XX/2016    I requested 90 day fraud alert to Transunion. Both  XXXX  and  XXXX  have removed   XXXX   acct and hard credit inquiry in timely manner. Transunion has removed only the  XXXX  acct, NOT the  XXXX   (   XXXX   ) har d inquiries.   I have requested several times and Transunion states it has been removed. All credit reports I have STILL show this information. This has an impact on my ability to raise m y credit score. I  have documentation to prove my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continually tried to work with XXXX  to update my credit report, yet when my balances are exponentially decreased there are NO CHANGES TO MY SCORE OR XXXX DECREASES MY SCORE!! I WANT THIS PROBLEM FIXED NOW!!! NEXT STOP IS THE FTC.
Product: Checking or savings account

On XX/XX/2019 10 fraudulent charges totaling {$2000.00} were processed by Regions Bank. I called the bank to report the charges and was told I couldnt dispute them until they were posted. On XX/XX/2019 I filed the dispute and was told it could take up to 10 days to funds back into my account. This is unacceptable as it took less than 1 day for the funds to be taken from me. The charges were to XXXX in Indiana and I live in MS . I was told there was no way to expedite this matter and that basically there was nothing that could be done to return my funds.
Product: Credit reporting or other personal consumer reports

I contacted XXXX, XXXX XXXX XXXX to dispute the reports on my account based on the social security fraud that was taken place when I opened any of the accounts, unknowing to me at the time my signature is what created the credit to begin with and I kept receiving bills even though when approved by these companies every was paid and full at time of signature. 

15 U.S. Code 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

15 U.S. Code 1662 - Advertising of downpayments and installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. 

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.
Product: Money transfer, virtual currency, or money service

I used the XXXX app several times and my money transferred to an incorrect account and never returned to me or the other parties.
Product: Debt collection

I receive letters frequently from XXXX and Payment Resolution Services ( PRS ), " represent [ ing ] the interests of XXXX '', for money that is not owed as far as I can tell. XXXXPRS have not provided adequate evidence of why the money would be owed and it is related to medical claims from years ago in most cases. I have repeatedly disputed the claims by mail, phone, email, and certified mail ( return receipt ), in addition to filing a complaint with the CFPB earlier this year. In response to my prior complaint, PRS said that they " closed the open inventory, '' yet I continue to receive letters from them ( 3 in the last 2 weeks ). I again welcome the chance to clear my name, yet XXXX/PRS refuse to speak to me despite previously confirming in email that the debt was not owed- they instead continue to harass my family with bogus debts.
Product: Credit card or prepaid card

Hello the CFPB, XXXX and XXXX are reporting inaccurate information on my credit report. According to the FCRA everything they're reporting needs to be 100 % accurate. The Bank of America account XXXX and XXXX are reporting was obtained fraudulently I never used this card or received this card in the mail. 


I want this account removed from my credit report permanately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi im filing this complaint because I have a bunch of inaccurate accounts on my credit report that I have tried to get all 3 bureaus ( transunion, XXXX and XXXX ) to remove according to The FCRA, FTC and FACTA but to no avail. I first sent out a dispute on XX/XX/2021 and have been sending letters every 30 days until now but they have yet to to what is mandated of them by law. These accounts are causing injury to me and my family and they need to be removed. I've tracked all correspondence with each bureau and I am also sending the letters on this complaint so that none can say that they dont know what I'm talking about. Each bureau is In Violation Now for either a Reaged account, activity after the account was closed, no Notice of dispute or just plain out refraining to fix and remove each account reporting false data. 
I need someone to please help me get these folk to delete these accounts that are obviously reporting inaccurately. 

P.s Ive attached some of the letters to each bureau so that the gross negligence of these companies/ bureaus may be seen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires on my account from companies I do not have an account with.
Product: Credit reporting or other personal consumer reports

I downloaded my credit report from Clarity Services. After reviewing my report, there are XXXX fraudulent names and addresses on my report. There is a XXXX XXXX with a date of XX/XX/XXXX and XXXX XXXX with a date of XX/XX/XXXX. There is a date of birth on my report for XX/XX/XXXX and my actual birthdate of XX/XX/XXXX. I was not born on XX/XX/XXXX. There are XXXX addresses to XXXX different states that I have never resided in : XXXX XXXX XXXX  XXXX Mt XXXX with a date of XX/XX/XXXX and XXXX XXXX XXXX XXXX MA XXXX with a date of XX/XX/XXXX. It has me as owning a home on XX/XX/XXXX and I have never owned a home. It has an unknown housing date of XX/XX/XXXX and a rent date of XX/XX/XXXX which would be accurate because I have been renting for over XXXX  years. It also lists a telephone number of XXXX, and XXXX, XXXX numbers that I have never had or know where they are located. It has an email address that I am not familiar with or ever had as XXXX with a date of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently updated my credit report and discovered that an account I had previously disputed and had removed due to identity theft has been reinserted without any notification to me. This account, a XXXX  XXXX XXXX account, was fraudulently opened in my name and is the result of identity theft. I have already filed a police report regarding this matter to document the crime. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if any account that was removed from my credit report is reinserted, I must be notified in writing within five business days. I did not receive any such notice, which is a violation of my rights. Additionally, per FCRA 15 U.S.C. 1681c-2, accounts proven to be the result of identity theft must be permanently removed from my credit report. By reinstating this fraudulent account without notifying me or obtaining my consent, the credit bureau has violated federal law and my rights as a consumer. I request that this XXXX  XXXX XXXX account be immediately deleted from my credit report and that I am provided with written confirmation of its removal. Furthermore, I urge the credit bureau to ensure that no other fraudulent accounts are added back to my report in the future without adherence to proper legal procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

his dispute is regarding my payment history and credit reporting. I'm was the under the impression that I was on a repayment plan by agreeing to this plan I was not informed that my credit would be impacted. I reached out several time regarding this matter and was told that the issue was going to be rectified. 

I attached my repayment plan.
Product: Checking or savings account

For my old BB & T account XXXX, every month between the XXXX and XXXX there was a charge around $ 2,600- {$2700.00} from XXXX XXXX or XXXX XXXX. This was every month my account was open. I never authorized any of these ACHs and would like each one to be refunded/charged back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing with them since XX/XX/2019 about removing my XXXX   XXXX credit card from my credit report. They made my score go way down and then I got the run around from different " supervisors '', I even got XXXX XXXX to contact them and send me my good long standing account via email and still they won't fic the problem nor report my card.
Product: Debt collection

I.Q. Data International , inc. has a debt collection falsely appearing on my credit report for the total amount of {$4400.00}. The alleged original creditor name is XXXX XXXX apartments, where I have not ever lived or applied to live. The date appearing on my credit report as the open date for this collection is XX/XX/2017. 
Immediately upon learning of the debt I contacted the collection agency, I.Q. Data International and advised that the debt was fraudulent and did not belong to me. I  requested the address to mail in a dispute letter and the representative hung up on me. Each time I called back requesting to speak with a supervisor, the representative hung up on me. I then used XXXX to locate XXXX XXXX XXXX phone number and left urgent voicemails to contact me in regards to the fraudulent debt collection. After approximately one month with no response, I used XXXX to find the corporation that manages XXXX XXXX XXXX, which is XXXX XXXX XXXX. I was asked to submit a copy of my current rental lease, which I did XXXX at the time was XXXX XXXX XXXX. I was told that the debt collection would be deleted due to the account not belonging to me upon furnishing my then current rental lease, however that did not ever occur. All continued attempts to request removal of the fraudulent debt collection have not been answered by I.Q. Data International, XXXX XXXX XXXX, or XXXX XXXX XXXX. These communication attempts have been via phone and written letters to the companies.
Product: Debt collection

I received two scam calls that i googled and appear on the black web. One of them was XXXX. After I received this call and hung up and blocked them, i received a second call from XXXX which is a local number to where I reside. They stated my social security number in the phone call and my home address. They stated I owed money on a citi bank card which i never even had. They told me that were coming to my house now to have me sign documents.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15USC 1666B : A creditor may not treat a payment on a account under an open and end credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

The address on file is inaccurate. I gave no authority to open nor do I have any knowledge of these accounts. I asked for a debit validation claim according to 15 USC 1692G. I never received a full detailed list of payment nor the original signature that I so called agreed to for the contract nor any insurance claim found for the debt or any chain of title to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying the CFPB that my identity has been stolen and used for fraudulent purposes. 
When I rst noticed when my identity had been compromised I placed a fraud victim alert on my XXXX, Trans Union and XXXX credit report on XX/XX/20. However because I wasn't able to recognize exactly when my identity got stolen I experienced several problems as of the result of this theft. It seems like the perpetrator opened several accounts in my name as well as somehow misrepresenting some of my personal information on my credit report. The account listed below were not open by me : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX The personal information listed below is also in error : NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX I still dont have any informationon who this theft is but I will update XXXX when i found who.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX XXXX XXXX HYUNDAI in  New Jersey and financed by Hyundai Financial. I am trying to transfer the vehicle out of New Jersey to PA and pay off the loan but it will void the warranty. I purchased the vehicle with my gf. For some reason I was left off the title. The warranty is only valid to the originally titled person. I have contacted the dealership and Hyundai financial and each keeps blaming each other for the mistake. I am primary on the loan.
Product: Credit card or prepaid card

I tried to log into my account with Capital One for my credit card to view my transactions. I was directed to a screed to verify my contact phones, email and then the 3rd box I am asked to disclose my income and employment status. The information is mandatory and would not let me bypass. I called customer service and then escalated to a supervisor. No one could provide me the information I asked for which was under what authority, or requirement was this " bullying " tactic imposed on my account. I was told they wanted this information for offers and/or limit increases. I would agree this information should be provided if I asked for an increase, but I did not! 

I have never received a notice disclosing I would be required to disclose this information on an ongoing basis! I have had this card for 15 years or more. This is the second time I have run into this type of practice by a bank/credit card company. This should not be imposed on the consumer when we have been forced to online activity by banks and then they force the consumer to disclose what ever information they are seeking or deny access to your account which includes paying your bill! 

I am upset enough I will look for another company and close this account, but the real issue with this is this affects the consumers credit rating. In my case this card has a high limit, I have had for 17 years and in good standing. Closing this card will lower my credit score! I would rather bury my money and never have to deal with banks again, the login, fraud, breaches, the extreme hassle of calling for access, the wait times ... Oh what a joy!