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

Request for Full Investigation and Verification of Credit Report Discrepancies ( YES THIS IS INDEED THE REAL XXXX XXXX ) I am writing to formally request a thorough and complete investigation into discrepancies on my credit report that I have raised multiple times in the past. Since my identity was stolen in XXXX, unauthorized accounts, collections, late payments, and inquiries have appeared on my profile. Despite numerous attempts over the years to have these items properly investigated, the issues remain unresolved. 

XXXX years ago, my credit report directly impacted my ability to secure a career opportunity, and I am still dealing with the consequences of these errors. Despite providing police reports, FTC reports, and evidence from XXXX XXXX, which confirm that my personal informationincluding my driver 's license and Social Security numberhas been involved in multiple data breaches ( such as XXXX, Experian, XXXX, and XXXX XXXX ), the disputed accounts remain on my credit report. 

I have repeatedly requested documentation verifying how these accounts were authenticated, including proof that my identity, signature, and authorization were used to open the accounts. Unfortunately, I have only received vague responses stating that the accounts were " verified '' and " accurate '' without any supporting documentation or evidence. 

This lack of proper investigation is not only frustrating but also a violation of my rights under the law. I am being unfairly held accountable for fraudulent accounts and inquiries that I did not authorize. As a result, I have been unfairly restricted from obtaining a new car, home, and, most importantly, a job at a credit union that I was offered and truly wanted. 

I respectfully request that you conduct a thorough, detailed investigation into the following accounts, inquiries, and past-due payments on my credit report that I have no knowledge of or authorization for. I require full verification and evidence of your investigation, including how these accounts were verified and authenticated. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- showing closed like it should on XXXX but others not Accounts are being taken off and placed back on my credit profile without any explanation Address : 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 Thank you for your prompt attention to this matter. I look forward to receiving your response and the necessary documentation to resolve this issue. 

Sincerely XXXX XXXX
Product: Debt collection

I am a victim of Identity theft and I have sent countless letters to Afni and XXXX XXXX XXXX. 

Both of the collections agencies are listed on my credit and are currently coming after me for a fraudulent account with XXXX XXXX XXXX. I have NEVER been contacted by XXXX XXXX XXXX but that is who they both claim the debt is owed to according to my credit. 

Afni sent me a notice dated XXXX XXXX, 2015 not trying to validate the debt but to make a settlement offer, however, the account was already on my credit and has been on my credit since XXXX 2015. I have never received a notice from XXXX XXXX XXXX they just placed the account on my credit.
Product: Checking or savings account

In XX/XX/year>, I as the victim of an on-line scammer. I am XXXX XXXX XXXX and while I try to stay on top of these scams, each day there is a new and more sophisticated scam. the first transaction which was supposed to remove a fraudulent transaction from my XXXX XXXX was done with my XXXX account and XXXX declined it. The scammer then told me my information was on the Dark Web, there were {$17000.00} worth of transactions and that I needed to clear them using my Wells Fargo Account. I was told these were " paper transactions '' to protect me from being charged with Fraud. I am smarter than this, but the threats were made and I began to follow the scammers transactions. After {$3700.00} worth, Wells Fargo declined any further transactions and the scammer told me to go to the branch. That is when the light went off. My husband got on the phone, terminated the call and then all the transactions posted to my account. I immediately reported it as a Fraud claim. Wells Fargo found there was no Fraud as I had authorized the transactions. After dozens more calls, the claim was escalated to the XXXX Offices in XXXX XXXX, supposedly as a XXXX XXXX claim. They continued to investigate it as XXXX and suggested I contact my local police. Well, that won't work as these scammers are overseas. They refuse to classify it as XXXX XXXX. XXXX has a full page on-line about how to avoid these scams. Wells Fargo does not and they refuse to rectify this issue.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated.

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.

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: Mortgage

Quiken loans have called 5 time in two days. I called and they said I would be off the list but it has not happen. All different numbers they are calling from including my area code.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I was trying to obtain a free credit report through Transunion. When you attempt to do so, account creation etc is mandatory and you are easily tricked into providing your credit card and paying for something. After receiving a {$21.00} charge for services I didn't want I still couldn't receive a credit report. The only way to cancel services and request a refund is to call them, which I have during the times they are listed and the number provided simply states they are closed and call back later. 

Having my identity stolen was extremely painful. All three credit bureaus make it impossible to resolve online or on a phone and only try to make money off you. Every time I had to result to mailing in letters and statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

The U.S. Bankruptcy Court does not report to credit agencies. I have not gave permission to any agency to report bankruptcy on my credit report. XXXX, transunion, XXXX all have violated me by placing this on my report. I have been denied credit because of this. The Bankruptcy Court is not responsible for credit reports and does not have any control over your credit report. I have tried to disputing this with the above credit agencies but have not had any luck.
Product: Debt collection

XXXX Sst is calling my companies phone and debt calls are not allowed. They do not call my personal line even though I have advised them to do this I also made arrangements for payments on XX/XX/22 that I will make a payment in XXXX weeks and they still called my work phone on XX/XX/22. I can lose my job for this. They are also asking me for a XXXX payment but I was only loaned XXXX. Please please help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( Senior Fraud Investigator ) looked me up in Chase Bank system along with others for personal reasons in or around XXXX 2024. I do not have an account with Chase in no capacity. This resulted in her getting my residence address and posting on social media asking for the privacy gate code to my apartment complex. Which is a SERIOUS ISSUE!!! There is now a police report that has been filed against her for vandalism to my property. I would like to speak with a Chase Bank Representative IMMEDIATELY regarding this issue as it puts this bank in several serious compliance federal regulations.
Product: Credit reporting or other personal consumer reports

This is my first request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS 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 XXXXXX/XX/XXXX
Product: Debt collection

This account was removed from all XXXX reporting agencies by your agency help me in the pass. and every year its put on my credit report every year and it has been removed 3 times
Product: Credit card or prepaid card

I am a client or was a client in a XXXX  XXXX  XXXX  with more than 12 years old, I have 2 accounts and two credit cards, I am not a United States resident, but I have never had problems with the institution and I have always fulfilled my obligations, they just I closed both my credit card accounts and they notified me that they would also close my accounts, can I do something about it? 

I proceeded to call them and after one hour and thirty minutes, the operator simply told me that the institution was no longer interested in doing business with me, without any reason or motive. 

XX/XX/2021 Bank Of America
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 Number : XXXX Account Name : XXXX - XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( block, Inc. ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters on XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. The Credit Burueashave failed to comply with the FCRA section 605b and continued reporting these inquiries without proper veriofication and authentication. I am tempted to pursue legal action againsts the Credit Bureaus But I will be giving them one mor wechane to remove the inquiries completely from my Credit report. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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

XXXX sent a letter in XX/XX/2020 Acct # XXXX Derogatory mark {$5500.00} I've sent a letter asking them to explain this debt to me as well as another letter and no follow up yet. 

Transunion sent letter in XXXX XXXX Acct # XXXX Derogatory mark {$550.00}, Acct # XXXX {$550.00} Transunion sent XXXX XXXX XXXX Acct # XXXX {$7900.00} I've sent a letter asking them to explain this debt to me as well as another letter and no follow up yet.
Product: Credit card or prepaid card

I used XXXX XXXX bill pay service to make a payment of {$370.00}. This posted to my Capital One account on XX/XX/2020. Without explanation, the payment was reversed on XX/XX/2020. I am attaching a copy of a document from XXXX XXXX showing that I made the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


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

15 UL.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email for opening up a credit card through this company that I've never heard of. They're telling me that a credit card will be sent to me in 7-14 business days but I never applied for any credit card.
Product: Credit reporting or other personal consumer reports

Have been trying for several weeks to unfreeze our TransUnion credit to apply for student loan. Have tired multiple times via their website, via their chat, and via their phone number. When trying to access their website to unfreeze our credit the website gives an error about not being able to access the info. A XXXX search shows that this issue has been there for years. 
Their phone number is always " higher than usual volume '' with extremely long wait times and I get disconnected after finally getting someone. Their automated phone service goes through the entire process only to tell you they can't complete the action and to call a person or use their website. 
When trying to use the XXXX it also is always " higher than usual volume '' and extremely long wait times. Right now the chat is an estimated XXXX min to reach someone. It took XXXX attempts with XXXX to get a lift ( Got dropped once ) I was told it was lifted but have no way to confirm because TransUnion can't show me my credit status. But I don't think it was lifted because I still have loan companies telling me they can't process my loan because TransUnion has my credit frozen. 
I also tried to pull my credit report with TransUnion online via their website to see what my credit status was. That also just goes to a webpage error saying my credit report isn't available at this time, so I can not get my credit report from TransUnion either. It's mind boggling that a company that you are forced to use to manage your credit and that can prevent you from applying for loans, credit cards, cars, mortgages, etc is not only this broken but that has been this way for years without fixing the problem.
Product: Credit card or prepaid card

I contacted USAA savings credit card and I explain to them Ive never been in a military and I didnt open up a credit card in my name and someone stolen my information and open up a credit card with a XXXX limit and they refused to shut it down for fraud and take it off my credit report and told me I failed the verification and I need to call back and try again and its XXXX and I need to have this account taking off my credit report and they use my address and my phone Number and I didnt apply for this credit card
Product: Credit card or prepaid card

This account was opened for 18 months and I have always paid the amount due even if had to pay 2 months at a time, due to my pay at work. I paid the account down a large amount in XXXX. I made my final payment in XXXX. I then was slapped with over XXXX in interest after paying off the account. 
The irony is the one person I have been able to talk to me says I was 7 days too late in paying off the account so I was penalized. The other irony is I called multiple times during the account payment time last year 2018 and asked for this account to be put on revolving credit because I was told when I made this purchase I could make this change at a later time if needed. I was completely ignored and no one would allow this to occur. 
This company will not let me speak to anyone about this matter and I have called several times. I need this removed because this is fraud. I paid the amount off and was not late. I need this reviewed. I do not even have the same account number this statement is reflecting. I was sold this under XXXX and then someone else bought my account and changed the terms and will not talk to me. NEVER do business with XXXX or XXXX XXXX because they are FRAUDULENT and will ruin your credit. I bought a large diamond for my wife and she has a large credit account with XXXX, but due to the horrible time we have had dealing with this company we will never do business there again. Great jewelry, horrible banking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inquired about mortgage forgiveness dieting COVID19 ... was told I could skip XXXX XXXX XXXX payment but in XX/XX/2020, all arrears plus current payment would be due. I said thats no help Ill make my payments agent suggested I still enroll in plan in case NOT ONCE DID AGENT MENTION MY CREDIT SCORE WOULD BE AFFECTED I enrolled but opted to continue to make payments XX/XX/2020 my credit score dropped 30 points down to XXXX Reason : PHH MORTGAGE reported me in forbearance I called and spoke with agent XXXX rescinded any enrollment in their payment optional plan requested they remove note from XXXX the forbearance note is still there
Product: Prepaid card

I received three American Express gift cards in XX/XX/2023. I initially had trouble using all three of them. I would get an error message for online transactions or a " card declined '' message at stores. I spoke to customer service and received zero help. I was told to try again or try a different merchant. I was eventually able to make purchases with two of the cards, but at a certain point they all stopped working anywhere. The cards say " active '' on the American Express website. I have to tried to use them at grocery stores, XXXX XXXX, XXXXXXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX and more and they are all declined every time. Both online and in stores. I have had the same experience with other American Express gift cards in recent years. I feel like they make the cards impossible to use in hopes that the customer will give up and they will keep the money. I have unused balances of {$25.00} ( this card never worked ), {$8.00} ( out of {$300.00} ) and {$89.00} ( out of {$100.00} ). They are all non-functional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote to XXXX XXXX, and more then 3 times about them posting unfair inaccurate information on my credit report and they keep writing me saying that the information they are posting is accurate, how can that be if they all are posting different information for the same accounts.
Product: Credit card

I had a XXXX interest " Chase Plan '' initiated on XX/XX/23 for {$1600.00} due over 18 months in equal payments ( {$89.00} ) with 0 % interest. 

On XX/XX/23 Amazon charged my Chase credit card ending in XXXX for {$1500.00} without my permission ( they had access to my credit card as the number was saved in my Amazon account ). I brought this to Amazon 's attention and they refunded {$1500.00} on XX/XX/23. 

Between XX/XX/23 and XX/XX/23 Chase voided my XXXX interest " Chase Plan '' and as of XX/XX/23 charged me {$23.00} in interest and then charged me {$23.00} in interest on XX/XX/23, when I should have been charged 0 % interest. The balance was {$1300.00} on XX/XX/23 which is the amount they are charging me interest on in violation of our agreement. 

On XX/XX/23 I brought this error to Chase 's attention through their " secure message '' feature and they responded that they will not fix this mistake and instead will continue to charge me 21.24 % interest, which is a violation of our original 0 % interest " Chase Plan '' agreement. I would have used a different credit card to make this purchase if I knew they would violate the 0 % interest agreement after only 4 months. In all I will be paying {$230.00} in interest if I continue to pay the agreed upon {$89.00} per month, when I should be paying {$0.00} in interest.

I also filed a fraud charge against Amazon for illegally charging my card without permission through Chase and talked to a customer service representative for Chase on XX/XX/23 and was told they will not fix their error.