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

My identity was stolen and this credit card has been open in my name without my consent fraudulently. My FCRA are being violated the company continue to report fraudulent information on my credit report. The address this account in isnt my address. The account isnt my account. 

XXXX XXXX Opened on XXXX XXXX {$670.00}
Product: Mortgage

Since the beginning of 2019, the attorneys at Aldridge Pite have withheld a detailed accounting of the fees and charges that have been added to my mortgage loan which originated with XXXX and was transferred to XXXX without me being notified. 

Moreover, XXXX is suing me in Florida 's XXXX CountyXXXX Judicial Court, Case No. XXXX and Aldridge Pite represents them in that action. For the past 4 months my attorneys and I have asked for a detailed accounting of all the charges the two banks and the law firm have assigned to my loan. To date XXXX, XXXX and its attorneys have failed to provide this information which I am entitled to under the law. I have written countless emails disputing the payoffs amount they have sent to a third party. However, their lawyers will not release the details of the charges added to my mortgage loan. 

Finally, XXXX, XXXX and its attorneys released my loan information to a third party ; this was done without a written authorization signed by me allowing them to publish and share this information with the third party. While willing to share this information with a 3rd party they have failed to provide me with a detailed accounting of all the charges and fees they have added to my mortgage loan. Moreover, the attorneys at Aldridge Pite claim that an email that I sent which was not a release for information, was sufficient for them to give me loan information to a 3rd party and I dispute that claim. 
In short, XXXX, XXXX and Aldridge Pite have engaged in deceitful, unscrupulous and unlawful conduct regarding my mortgage loan and I am requesting that your bureau investigate and censure them.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion
Product: Debt collection

Original creditor and credit agencies unknowingly and had no authorization to share my information to misrepresent me on a credit report and hinder my livelihood.
Product: Checking or savings account

Clover/Fiserv has been holding my funds for the past 6 months and refused to release it. I have called over 15 times to correct this error and have been told the funds will be deposited into my bank account within 3-5 business days. The funds have not been deposited and Fiserv refuses to release my funds to me after my most recent call!
Product: Debt collection

I ordered XXXX dresses from Macy 's and charged the purchase on my Citibank credit card. I returned all XXXX of them in XXXX package. Macy 's says that the package contained only XXXX dresses and would not give me credit for the XXXX. I have spent hours and hours on the phone with Macy 's and Citibank but to no avail. My attorney sent a certified letter to Macy 's XXXX/XXXX/15 asking that they not contact me, credit my account in full and remove any negative credit rating reports they may have made. Macy 's continues to call me and send me monthly statements with added fees.
Product: Mortgage

In XXXX I had a conventional loan with Wells Fargo. Wells Fargo added XXXX mortgage insurance to the loan. XXXX times I requested that they drop the mortgage insurance because my loan amount was less than XXXX XXXX of the home value. Wells Fargo refused everytime. We paid this XXXX  for over XXXXXXXX XXXX all the while my payments continued to go up every XXXX because of the taxes on my escrow. The value of the house was XXXX  what the loan amount was. Ultimately my family could no longer afford to live there and had to sell our family home. I believe Wells Fargo should be liable for every XXXX  I spent on XXXX
Product: Credit reporting or other personal consumer reports

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

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

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

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

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

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

Was never notified of this debt. Wasnt allowed to write a check on XX/XX/XXXX. When I first called I was told that there was no debt on file and my account with them was clear. They then came up with 3 checks they said needed to be paid and it would take days to clear before I could make any purchases. They are trying to collect on a debt from 7 years ago. The debt is not even on my credit report but they are denying my purchase. Originally they said I didnt owe them and there was no records saying I do. Then they kept transferring me to different people who had bad phone lines where I couldnt understand what they was saying then I was transferred to the XXXX where she did not speak clear and her phone line made it even more difficult to understand her. Each time the representative kept requesting payments for 3 checks that are 7 years old. I just wrote a check last week to one of the stores they claim I owe money to from XX/XX/XXXX. I got it verified and it went through with no problem.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I will like to take actions against the perpetrators that's fraudulently using my identification. Accounts are listed below XXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$2900.00} XXXX Date opened XX/XX/XXXX Account number XXXX {$2400.00} XXXX  Date opened XX/XX/XXXX Account number XXXX {$560.00} XXXXXXXX XXXX  Date opened XX/XX/XXXX Account number XXXX {$1900.00} XXXXXXXX XXXX Date opened XXXX XXXX, XXXX Account number XXXX {$2400.00} XXXXXXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$5700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Account number XXXX $ XXXX {$23000.00} XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$870.00} XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Account number XXXX {$7600.00} XXXX XXXX XXXX  Date opened XX/XX/XXXX Account XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Account XXXX XXXX {$410.00} XXXX XXXX XXXX  Date opened XX/XX/XXXX Account number XXXX {$6700.00} XXXX XXXX XXXX XXXXXXXX XXXX. 
Date opened XX/XX/XXXX Account number XXXX {$3200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account number XXXX {$2300.00} XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account number XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX 
Date opened XX/XX/XXXX Account number XXXX {$4100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Account number XXXX {$1000.00} XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Account number XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Account number XXXX {$560.00} XXXX XXXX XXXX XXXX XXXX 
Date opened XX/XX/XXXX Account number XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account number XXXX {$420.00}
Product: Credit card or prepaid card

I am being charged fees without having made any purchases or used the card. 

When contacting the company I am receiving referrals to their card policies. 

They have reported me as being late in payments and my credit score is being impacted. 

They are unwilling to consider removing the charges and have not closed my account despite my requests in writing.
Product: Credit reporting or other personal consumer reports

I sent this another complaint asking for help requesting that credit bureaus to reinvestigate the disputed Account from my credit report as well as update this Account from my report during the investigation period. As of this date credit bureaus have failed to respond to my request. 

XXXX XXXX Balance : {$19000.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing these 3 accounts inwhich is not mines but has appeared on my credit report. I'm asking that the 3 major credit bureaus remove these accounts from my credit report. The accounts are # 1 XXXX {$250.00}, # 2 XXXX XXXX XXXX {$290.00}, and # 3 XXXXXXXX XXXX. Please remove these unauthorized unknown accounts.
Product: Money transfer, virtual currency, or money service

I have been robbed on cash app multiple times Ive had a buisness account where I was taxed for every transaction and Ive not been able to speak to any type of representative
Product: Credit reporting or other personal consumer reports

XX/XX/year> information was submitted to Equifax to remove the XXXX XXXX XXXX ACCOUNT # : XXXX, per the reporting creditors request. Equifax have failed to honor the removal request.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its ligal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved.the costumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as a failing to forward costumer-provided evidence to furnishers accepting unreasonable responses and failing to adequately notify costumers of dispute outcomes.these failures aling with my experience where Experian has neither corrected or removed disputed items despite the evidence I provided causing ongoing harm to my credit standing.im requesting immediately corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a costumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting fraudulent info I check my credit report on XX/XX/2021 and saw some miss leading information on credit report and it was privacy information and all of the information was false, incorrect and fraudulent information reporting on my credit report and all of this information need to be removed. Bye law The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such infomation, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. ''
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I contacted a Hospital and tried to setup payments for $ XXXX monthly and advised them if I was able to pay more I would call to make additional payments. The representative in billing told me they were unable to take anything less than $ XXXX monthly. I was not able to commit to this high amount due to other obligations. My account was then turned over to a third party collection agency. The hospital also provided the third party agency detailed information with my visits. This included procedures completed and medications administered to me. I persinally feel the hospital is in violation for releasing personal medical records to a third party. It was never my intention to deny payment, but I could n't make a commitment that I knew I would not be able to keep.
Product: Credit reporting or other personal consumer reports

There are several unverified items on my report that I am requesting to be deleted per my legal rights under the FCRA - Fair Credit Reporting Act : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This Account is unverified. Delete Immediately. 

Delete these unverified accounts immediately.
Product: Bank account or service

I have experience what I believe is identity theft, having had both my savings and checking accounts compromised and hacked too many times to mention. My debit card was used and each time it was discovered, I had the bank cancel it. The financial institution, Wells Fargo, did honor the amounts on my checking account. However, they refuse to honor the amounts taken from my savings account, which comes to about {$2600.00}. I have not used a debit card due to this on any transactions. 

I recently wrote to Wells Fargo again giving them another chance to make the situation right. However, since I have written this letter, apparently my XXXX account was hacked to remove funds from my bank checking account. I immediately reported this to bother XXXX and Wells Fargo. The money was immediately refunded back to me. However, I tried to write a check today and it got denied. I also saw that my online accounts would not allow me to transfer funds. 

The Wells Fargo representative just informed me they have closed my account and I will receive any remaining funds by XX/XX/XXXX. She said that when I opened the account I agreed that either Wells Fargo or I could close the account at any time. 

Now because they refuse to refund me the money that was taken from my savings account ( approximately {$2600.00} ) and I do not have any access to cash, checks, etc. I must go and open an account at another institution ( I was going to anyway but was hoping to get the money first ) then go and withdraw funds from my 401k so that I can continue to live. 

No personal information but just note I am a XXXX year old widow who works full time and supports XXXX others. I have a mortgage, car payment and other accounts. Please help me to get the stolen money back ( I have a detailed copy of all the transactions ) and to warn people about my horrible experience with this company.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 Synchrony bank sent me a letter claiming they couldn't extend to me the full amount of credit I requested in part because of a low credit score. I spoke to a manager on XX/XX/2023 at XXXXXXXX XXXX and she informed me that per herself and other managers, the credit score in my file was not the score they sent me in my denial letter. I can provide the letter. They wouldn't provide me additional information from my file/account and told me to contact XXXX which XXXX have already done and they were no help but to confirm that my credit score was indeed incorrect per the reported score in the letter. Neither was willing to help with the problem any further because they each claimed it was only something the other organization could handle. I can provide a copy of the letter referenced above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Lexis Nexis about some incorrect information several months ago. They were not helpful. Nothing has changed with the credit reporting agencies.

They have me confused with my mother in law who used to live at my current address.

Now all the credit reporting agencies use HER information in their systems to check my identity when I try to log in. She is in her late XXXX  's and I need to have this cleared up.
Product: Money transfer, virtual currency, or money service

Currently I have 3 Bitcoins valued over $ 10k stuck in Coinbase, I contacted support half a dozen times and at first they told me I needed to upload identity verification documents, I did so, my account was still restricted, I continued to contact them, a few times I never even received a response from them. Then on XX/XX/XXXX-18 I get a response telling me Coinbase has NOT blocked access to MY funds, but only that I can not buy or purchase, that is false. I still could not withdraw or send my BTC out from Coinbase, even after being advised by them that I can, I have an email to prove it, the only thing that has changed since then is Coinbases decision. So I contact support again and they respond by telling me I can no longer use Coinbase. Now my funds are stuck there indefinitely, please advise, thank you
Product: Debt collection

I contacted the company on XX/XX/2023 to dispute the amount of the debt and they did not stop collection and send me the information that shows I owe the alleged amount of debt.
Product: Credit card

I recently obtained a copy of my credit report. There was an unauthorized inquiry made by Discover Financial Services. On XX/XX/2016, I wrote to Discover Financial Services asking for proof of the inquiry. To date, XX/XX/2016, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!
Product: Credit card

My account was closed unexpectedly on XXXX XXXX, 2015. I have been given no reason for the closure. Calls to the company have been completely useless. I also find it ironic that I had just made a charge which would have allowed me to remain more than half my accumulated rewards. Perhaps Barclay 's did n't want to pay me for the XXXX points I had accumulated?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft and XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX was disputed in 2014 and wrongly reported and equifax is supporting XXXX and take money from XXXX and ignore consumer and there Rights Need to be deleted as following information is wrong : Date of First delinquency is XX/XX/XXXX. 2014 Account status is paid off Balance not correct Available Credit is 0 Date of last payment is wrong Paid in full with on condition to delete account
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the XXXX, Experian and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan from XXXX XXXX XXXX XXXX opened on or around XX/XX/year> account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account, collections, or hard inquiries as reported. The aforementioned account, 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 reporting, credit repair services, or other personal consumer reports

I have tried twice to correct a major error on my credit report. The information first came from lending tree, who claims the information comes from XXXX XXXX. I have twice contacted lending tree to dispute this, and they say that they have verified the information which is impossible. I have never had student loans, as my education was paid for at the time I attended college and XXXX  XXXX  which was XXXX through XXXX. If they truly tried to verify that they would find that my Social Security number or any information about myself does not match. They claim the loan was taken in XXXX, at which time I lived in Florida. Please try to help me with this, as they keep telling me its been verified. Thank you