23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had my identity stolen by a family member and he opened 3 credit cards in my name while adding himself as an authorized user. I did not approve this, nor would I allow anyone to use my credit as it was near the best possible score. It took 2 months to find out that he opened Citi Bank Best Buy Card, ( {$4000.00} limit ) XXXX XXXX XXXX, ( {$2900.00} limit ) And XXXX XXXX ( {$10000.00} limit ) I have letters from XXXX showing that it was fraud, along with XXXX XXXX. I filed the proper paperwork with FTC 3times, a fraud report with the New York State Police and followed every direction I was given. I pressed charges, the credit card companies promised to do the same, YET Best Buy refuses to acknowledge that I am the victim of identity theft and fraud. I was never notified that my case was denied even though the department supervisor I was working with hours on end assured me that I would receive a letter from Best Buy being released from the fraud. And now I am receiving calls and have a delinquent account on my credit report that has NEVER been late since I opened my first bank account, or credit card. I have been dealing with this since XXXXXXXX XXXX XXXX  and the person who stole my identity and committed the fraud has not been charged but has openly flaunted the crime to others and myself. This is an unacceptable practice by Best Buy, I have done EVERY SINGLE THING that the FTC has informed me to and still I am being punished for a crime I did not commit. This system is flawed and sadly even as XXXX XXXX XXXX, not one person has ever helped me through this process. I have had to go through this for 6 long months to find out just how little I matter and all the sacrifice I have made has been for absolutely nothing! Disgraceful companies!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution.

Your agency is in clear violation of federal law!

15 U.S.C. 1681 Section 602 ( A ) asserts my unequivocal right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) declares that a consumer reporting agency must not release any account information without my explicit, written consent.

15 U.S.C. 1681c ( a ) ( 5 ) mandates that a consumer reporting agency must not include any adverse information older than seven years, except for criminal convictions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) prohibits any person from providing a consumer reporting agency with information they know or should know is inaccurate. 

DELETE this immediately!
Product: Credit card or prepaid card

-On XX/XX/2018 I informed Capital One about one of the transactions of {$610.00} that I had made with XXXX regarding filing a dispute. 

- I informed them that XXXX did not provide the services for which I paid and that they had agreed that they are going to refund me the amount after corresponding and taking up the issue with them. 

- Since they had not refunded me the amount, I want to proceed with filing the chargeback. 

- On XX/XX/2018 I saw the transaction charged again on my credit card. 

- Upon my inquiry I was told that I had to submit the documents with regards to my correspondence with XXXX and their agreement of refunding on it. 

- On XX/XX/XXXX I provided Capital One with necessary evidence to pursue the transaction with the merchant. 

- The confirmed the successful receipt of the documents. And that they will not require anything more at this point. Furthermore, if any more documents are needed they will get in touch with me. 

- Around XX/XX/2018 I called Capital One regarding the status of the chargeback and I was told that it is in process and that it is going to take 90 days from XX/XX/2018, which will be around XX/XX/2018. 

- Moreover, I was assured that my documents were complete and that the chargeback will be refunded in my statement. 

- I would like to highlight that I have never missed a payment and in fact have always paid off the outstanding in few days of credit as a bonafide customer. 

- Around XX/XX/2018 my credit line was increased by {$500.00}. 

- On XX/XX/2018 after waiting for all the 90 days to pass I called up Capital One again. 

- After more than 1 hour of back and forth and deliberation in the dispute department with their representative XXXX I was told that my chargeback has been rejected due to lack of evidence. 

- I asked him if that was the case- why was I not notified by letter or email. To which XXXX responded " I don't know ''. 

- I further inquired as to why upon my inquiry I am told about this refund rejection and that I was not told about the same when I submitted my correspondence documents with the merchant. 

- XXXX responded that he doesn't know about that too and that I have to resolve this directly with the merchant XXXX - I asked him to put me through their Supervisor and after 30 minutes further deliberation I was put through to a female named XXXX. 

- Upon my inquiry she further told me that she has no idea of why I was not sent the documents of rejection or a letter stating the same. 

- She said she will study my case and call me back within 24-72 hours.

- Todate it is over 5 days and nobody has contacted me from Capital One and I have received no correspondence regarding my chargeback. 

- Instead I received a new card of pre-approved offer. Do you want to rip me off again? Just because I am a good customer and that I always paid on time. Do you want to trap me further. I need an explanation for this. Why you could not address my cast while sending me this offer. 

- All my inquiries and requests have been ignored and neglected. My credit line has been misused without my knowledge and consent.
Product: Checking or savings account

My wallet and phone was pick pocketed on the early morning of XX/XX/2023. The wallet contained my debit card along with social security card and driver 's license. My debit cards were all used at the Wells XXXX  ATM in XXXX XXXXXXXX, CA. The person that stole the items changed the password on the account using the phone to access the bank app then proceeded to call the bank to change the pin on the debit card. They used the information in the wallet and account as well as the phone number to do the two step authentication and successfully changed the pin. They proceeded to use the Wells Fargo issued debit card at Wells Fargo XXXX XXXX multiple times. Overdrawing the account by {$350.00}. The charges and transactions occured according to the bank app notifications around XXXX XXXX  and continued until they began denying at approximately XXXX XXXX XXXX  XX/XX/XXXX at approximately XXXX when I could access a phone I called to process a theft claim. They responded that a credit would be issued until the investigation was complete and id receive a call or email asking for police information and further details. I never received a credit instead they threatened to close the account unless I covered the overdraft then 10 days pass and I had to call only to be told they denied the claim. The representative said they couldn't do anything because the ATM cameras aren't proof that I didn't make the transaction. I was then advised that no one listened to the call that was made to verify if in fact it was me that called and made the changes to the account. I contact the executive offices and explained to them the situation and got the same response. No phone call. No follow up. Just an email stating that nothing they could do and that they don't believe it was fraud. I emailed them the police report. I told them the time frames of everything. Informed them of the items the thieves had to access my information and still got the same response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, other items still need to be updated and corrected. The XXXX credit bureaus must verify these items under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these remaining disputed items get corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Debt collection

KIckoff account on my credit that I did not give permission to furnish on my credit report. 15 usc 1681 a2 of customer laws states " I HAVE TO GET WRITTEN TO HAVE THE ACCOUNT FURISHED ON MY REPORT. which I did not
Product: Debt collection

I have requested validation of debt with both the credit reporting agency and the creditor Cavalry Portfolio Recovery. The credit reporting agency continues to report information on my report that does not belong to me and/or incomplete or no knowledge of. I was not notified of any existing debt with this debt collector or anyone with affliated with this account. 

The credit reporting agency continues use XXXX to dispute this information without validation of debt. This process violates my rights to receive fair creditor reporting and has since cause irreparable harm to me financially. 

The following information continues to be disputed with XXXX with dispute numbers attached. 

Cavalry Portfolio Recovery has never notified me of any outstanding debt and I have no reason to believe this information is accurate. I've requested information bearing my signature and validation of debt. To date, I have not received any information. 

Below are the number of disputes submitted to the credit reporting agency. The continue to submit the information through XXXXr and return the information back by third party without verifying the information to the creditor directly. 

XX/XX/2022 - # XXXX XX/XX/2022 - # XXXX XX/XX/2022 - XXXX XX/XX/2022 - XXXX XX/XX/2022 - XXXX Today on XXXX I spoke to XXXX at the credit reporting agency and XXXX. XXXX hung up on me when I requested a hundred word dispute. I requested several times. I would like a full complete validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I took out a home improvement installment loan with Service Finance Company to install solar panels on my home. The next year I sold the home but continued paying the installment loan. In XX/XX/XXXX XXXX XXXX failed and I was near bankruptcy. I decided to pay as much as possible to all existing debt rather than file for bankruptcy. I made an agreement with Service Fin. and they charged off the remaining amount of {$6500.00} in XX/XX/XXXX. In XX/XX/XXXX I applied for a home loan to purchase a new house. I was denied and told I had bad repayment and credit concerns involving a past Home Mortgage loan. I have never missed a mortgage or rent payment in my life. I called and found that Service Finance reported the home improvement installment loan as a Real Estate/Mortgage loan. It will prevent me from qualifying for a home loan for 4-6 years!

I asked Service Finance to fix the error. They sent a detailed letter to the credit reporting companies telling them it was a " Home Improvement Installment loan. '' However because they categorized it as a real estate loan, XXXX and such must keep it in the mortgage section. Service Finance told me it is impossible to change this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute letter to remove hard inquires that were not authorized by me. Below is the list of Hard inquires on my report. 

1. XXXX  XXXX  XX/XX/XXXX 2. XXXX  XXXX  XXXX  XX/XX/XXXX 3. XXXX/XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX  XXXX  XXXX  XX/XX/XXXX 5. XXXX XXXX  XXXX  XX/XX/XXXX 6. XXXX  XXXX  XX/XX/XXXX I also have a medical bill that have been removed on other Bureaus account but one 1. account # XXXX  XX/XX/XXXX FOR {$68.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy notice from Vanderbilt, XXXX, XXXX, properties, and XXXX using my personal information. The won't let me opt out after several attempts using their XXXX address not for them but some type of union? The phone number keep changing what I enter in as a number or hang up while inputting number. I attempted to opt out. Using my opt-out number. Several times. It said a different thing in what perceptually seemed to be trying to annoy me enough to quit. Phone XXXX does not allow a person to opt-out sharing your financial information in some fine print our government not protect us from, telling the world all our stuff without consent. You call using this opt out number yourself and see what I mean. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have issues with the way this is being reported as it is damaged my credit. The car was repo transunion and experian say its derogatory XXXX says open. This is an inaccuracy and is en to remove this account from my credit. 
The dates of last activity are inconsistent with each other this is also enough to remove from my credit. XXXX is reporting past due 120 days the other 2 are reporting repo. This is enough to remove or delete from credit.balance on XXXX and XXXX are the same while transunion is no showing XXXX. Transunion and XXXX are reporting as auto loan and XXXX is not reporting at all. Transunion has not reported any months of payments late or not and is not consistent with the others With all this said this needs to be removed
Product: Credit card or prepaid card

I have had an account with Gap. I went on vacation and return 4 days late and paid the account which I thought I had five days. They reduced the limit which surprised me and I didn't question it but continue to pay the account down vying not use it again and just stop buying from Gap. Well little did I know it wasn't Gap it was Synchrony Bank causing such horrible fess about nothing. My account was always 100 % paid on time except for that one time. I continue to pay my account and finally down to zero. Today I received a noticed stating my account was being closed based upon paying and credit score. They talk about credit score, what they did by closing my account which I OWNED THEM NOTHING cause my score to drop by XXXX points. I am in the middle of closing my first home and this may cause my sale not go through because of this. 

THIS IS WRONG!!!!! CAN THE CONSUMER FINANCIAL PROTECTION BUREAU do something!!!! THIS IS NOT RIGHT OR FAIR I did nothing wrong WHATSOEVER!!! I don't even own them any money. I get the bad end of the choice that Synchrony Bank makes and did nothing wrong. I consider seeking legal action.
Product: Checking or savings account

I had a checking account will wellsfargo and they closed my account because they said it was fraud activity on my account and took my tax check XXXX my work check XXXX and my stimulus check of XXXX in XX/XX/2021 I am a victim of identity theft .and wellsfargo. Sent me a letter stated that and said they some one was trying too open up a new account in my name
Product: Credit reporting or other personal consumer reports

Dear Experian I am writing to formally dispute inaccurate information that appears on my credit report. This letter also serves to notify you of potential violations of laws related to credit reporting practices Details of the Inaccurate Account : Account Name : XXXX XXXX XXXX XXXX Number : ] Reported Balance : {$950.00} The information reported regarding this account is incorrect. wrong account ownership, This misreporting may constitute a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and up-to-date information I am requesting that you conduct a detailed investigation into this matter and take immediate steps to correct or remove the inaccurate information from my credit report. Furthermore, I urge you to review your processes to ensure compliance with all applicable laws governing credit reporting Enclosed are copies of relevant documents that support my claim. Please provide me with confirmation of receipt of this dispute and an update on the actions taken. Additionally, I would appreciate a copy of my corrected credit report once the investigation is complete Thank you for your prompt attention to this serious matter. I look forward to your swift response to resolve these inaccuracies Sincerely
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a fraudulent account listed. Please remove this account immediately, as it is negatively impacting my ability to obtain credit and maintain my security clearance.
Product: Credit reporting or other personal consumer reports

Social XXXX On my XXXX XXXX report there are4 negative items that are charged their under dispute my complaint I filed a federal trade commission identity theft report XXXX XXXX supposed to remove those items that are negative on my report in 24 hours can you please have XXXX XXXX  removed these four negative items that are charged off due to fraud theirs a federal trade commission identity theft report on file an on my equifax Credit report theirs one negative item that shows 60 days latest that account is a fraud account please have Equifax remove that one negative item that's 60 days late I filed a federal trade commission identity theft report on file
Product: Checking or savings account

My credit karma account was hacked on XX/XX/year>. I immediately contacted the company, froze my credit and locked the attached checking/ savings/ credit builder account. I received an email with some questions, which I answered, received one reply that it was being looked into, and then nothing for a week. 

On XX/XX/year> I received an email stating that my credit builder did not go through, and Im now facing a penalty to my credit if this isnt fixed by XX/XX/year>. 

So I filed a complaint on XX/XX/year>, received one email back with the same questions in the first email, and have heard nothing since. 

The hacker has been in more communication than they have ( I have carefully checked senders on emails and did not click on anything ). I have a debilitating chronic illness and the stress is sending me into a flare. One way or another my credit will take a hit from this, I consider it a lesson learned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, BMO Harris bank filed a W-2 with the IRS indicating that it had paid me {$300.00} in interest. It never paid me any interest. It did give me a gift of {$300.00} for opening checking account to 6 months and arranging to have direct deposit of my social security benefit. I closed the account after complying with the terms of the offer. I want the bank to rescind its W-2 immediately. The {$300.00} was a gift and gifts are non-taxable.
Product: Debt collection

The same company ( using multiple numbers ) keeps calling my house and immediately hanging up if someone answers. The calls happen multiple times a day ( as many as XXXX in XXXX day ), every day and sometimes early in the morning or late at night. This is not only a clear violation of the Fair Debt Collection Practices Act, but is also violating South Carolina state code on telephone harassment.
Product: Credit reporting or other personal consumer reports

I will not tolerate your dismissal of my identity theft claim as an error or misrepresentation. You lack the authority to determine what constitutes a material fact. You are not a judge, a jury, or in any position to make such judgments. You have no right to do so. 

The Federal Trade Commission ( FTC ) explicitly states that when you receive an FTC identity theft report filed with a law enforcement agency, your obligation is to comply with the law. 

This is your final chance to properly process my identity theft request. Otherwise, I will pursue legal action in a courtroom where you will be held accountable for the damage to my reputation, credit, and emotional well-being caused by this matter. Your negligence regarding material facts will be evident, and you will be required to compensate me for your recklessness. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX PURCHASED USED XXXX XXXX XXXX FIRST PAYMENT WAS NOT DUE UNTIL XX/XX/XXXX XX/XX/XXXX MY ACCOUNT WAS FLAGED AS 30 DAYS PAST DUE AND NOW ON MY CREDIT REPORT IVE SUMMITED PAYMENTS AND SPOKE TO CUSTOMER SERVICE BUT ISSUE WAS NEVER RESOLVED. 

THEY THREATENED TO " REPOSSESSE AUTO AND DEMANDED PAYMENT OR ACTIONS WILL BE TAKEN '' NOT GIVING ANY CHANCE TO SAY I HAD JUST HAD MAJOR XXXX. 
( PAYMENT WAS PAID ) I PAID EACH MONTH AND HAVE RECEIPTS AND PAYMENTS WERE NEVER APPLIED TO ACCOUNT. 

EACH MONTH THEY BILL ACCOUNT FEES FOR UNKNOWN REASONS AND MY ACCOUNT BALANCE IS MORE FROM 2 YEARS AGO. 

{$6900.00} XXXX / {$8600.00} XXXX XXXX REPORTING FOR INSURANCE THAT RESOLVED IN SUSPENSION OF REGISTRATION
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX XXXX XXXX, which raises concerns about the security of my personal data.
Product: Credit card or prepaid card

I have a Credit Card with Citibank and every time I try to use it at a new gas station the card is declined and frozen with a fraud alert. Then five minutes  later i get a call to verify the transaction. This does not help when I am at the pump trying to get gas. I have called citi several times and no one I speak with understands or cares about the issue. Most recently it happened at XXXX XXXX  on XX/XX/XXXX and numerous calls to customer service did not resolve the issue.
Product: Credit reporting or other personal consumer reports

XX/XX/year> and XX/XX/year> I called TransUnion to update my personal address which is still currently being incorrectly reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to remove serval accounts that are not mine. I am also having problems with my XXXX sisters accounts posting on my reports as well.
Product: Debt collection

I have been contacting XXXX since 2022 regarding debt in my name that does not belong to me. XXXX allowed my parents to use my name for utility bills when I was only a minor and this company CONTINUES to allow this to happen despite having called the company XXXX times in the last XXXX years. 

Each time I call XXXX  to complain that I am still receiving mail communications, debt collector notes, and notices in the mail, they say they have transferred the ownership of debt to my mom 's account, but as of yesterday, I received another debt collection notice STILL in my name. XXXX has sold my debt to a separate company, claiming that they have transferred ownership from my name to my mother 's, and they have NOT done so at all. This debt collection has impacted my credit and is a breach of my privacy and consent, as I was a minor when this all started.