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

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently obtained a copy of my credit report and I have a collection on there from an account I don't recognize. I am asking Transunion to look into this and investigate how this information landed on my credit report because this is not a creditor of mine. I have filled out an Identity Theft Affidavit stating and sent it to TransUnion but they have not responded.
Product: Credit card or prepaid card

I purchased an e-gift card and never received confirmation of the card being sent by email nor has the recipient received the e-gift card. My credit card used to purchase the e-gift card was charged immediately.
Product: Debt collection

XXXX and XXXX placed Credit Corp Soutions account on my credit report without first giving me the opportunity to challenge this debt. XXXX could not provide documents that insured that this account is accurate. There is no purchase agreement, signature or consent from myself to allowing Credit Corp Solutions to contact me. Having this account on my credit report without validating it, is illegal and that is a fair credit reporting act violation. Please help me get this off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX recently reported as of XX/XX/XXXX in experian and XXXX as late and delinquent payments when the account was closed previously I have been trying to get this account removed over 5 years these people are mos reporting info they I have since reported to the bureaus and they were supposed to close and remove account. this account was also reported XXXX as well. Also look into XXXX collections as well they were recently reported as of this month XXXX this is XXXX XXXX also reported this XXXX was under a previous creditor they sold the debt and re reported this debt which is illegal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX RE : Social Security Number : XXXX PERSONAL INFORMATION UPDATE REQUEST To Whom It May Concern : I recently obtained a copy of my consumer report and noticed that you are reporting inaccurate information in my personal information section. To diminish speculation my information is as follows : My Full Legal Name : XXXX XXXX XXXX Please DELETE all other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. 

My Address : XXXX XXXX XXXX XXXX, NJ XXXX Please DELETE addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

My only Phone number is : ( XXXX ) XXXX, DELETE any and all other phone numbers.

I DEMAND my social security number and date of birth be removed from being displayed on the consumer file for privacy reasons.

DELETE all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated consumer report once the changes are complete to my contact information listed.

My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX, NJ XXXX XXXX, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXXPrincipal WITHOUT RECOURSE Enclosed : copy of State ID and Insurance bill showing proof of address
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I received a text from a spoofed number who claimed to be my bank, Wells Fargo. Stating there was attempted payment through XXXX of {$3000.00}. I did not respond since I was unsure if it was real. A while later I get a call from Wells Fargo as I have them in my contacts. I pick up and a man by the name of XXXX XXXX confirms that there was {$3000.00} taken from my account through XXXX. He then directs me on how to get it back by going on my Wells Fargo app and XXXX myself the money back. I input my full name and phone number and first sent {$500.00}, {$2000.00}, {$1000.00}, and finally {$500.00} for a total of {$4000.00}. When the app notified me that I have hit my transfer limit he said he will call back in a month to make sure I received my money. I did not authorize my money to be sent to someone else, I was scammed into thinking it was going to myself. I open a claim with Wells Fargo and have called multiple times to no success. They state that although this has happened multiple times to other people with their bank that they can not help. This has happened for years, two women even took to the media and after that Wells Fargo decided to give them their money back.
Product: Checking or savings account

NFCU, Recently closed my bank accounts they claimed that the computer I used to apply for a credit product ( WHICH I WAS APPRVD ) was compromised - and sent me all over to every department they have, still with no results in reopening my account! 

I served this country in the XXXX XXXX for several years and to be treated as a common criminal is a slap in the face. NFCU system is flawed and I'm very disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX and TransUnion disputing an error on my report a collections acct tied to a debt to XXXX XXXX XXXX XXXX XXXX that I have no knowledge of and have never received a bill for from the alleged original creditor. The debt collection agency is XXXX XXXX XXXX XXXX in XXXX, IN, and the account was opened XX/XX/XXXX. 

I have disputed the acct with the collection agency and requested all communications regarding the alleged debt come through mail and that I receive verification of the debt from my alleged original creditor. They havent complied with the second part of this request, but the credit agencies still claim the acct meets FCRA requirements. Again, I have no knowledge of this account, have never received notification of the account balance from the creditor XXXX XXXX claims to be representing, and have not been shown verification of the debt, yet it is severely impacting my credit.
Product: Mortgage

Home put in forbearance without knowledge XXXX and Covid allowance of payments on backend without knowing or signing Found out XX/XX/XXXX then sold to Shellpoint No one calls ba I I tried to get the form from both recharging Covid money owed to be paid by XXXX but they se t wrong forms and even one of another client and this has gone on since XX/XX/XXXX. 

I need them to put bk in forbearance or hold up until divorce because I was abandoned and I am XXXX I also need the correct form for this yo pay the Covid portion I have filed for 3 times. 

This seems like a game
Product: Checking or savings account

On XX/XX/07 I noticed I had fraudulent activity on my account. Someone called acting as me and filed 2 disputes stating I was overpaid by {$990.00}. When I noticed this, I immediately called the bank and noticed that their level of security when calling in is slim to none and anyone can retrieve the required information that they are asking for. Which is account/debit card number, name and street address. I felt like this is the reason why someone was able to fraudulently call and act on my behalf. I asked that more security levels be added onto my account which I was asked a series of questions and gave answers to. When I called back in to check on the status a couple of days later, they asked the same 3 questions with none of the extra security questions being asked. 

Chase is making it very easy for scammers to call in and act on behalf of valued customers. I am now out {$1900.00} due to this lack of security. I should feel secure in the place that I trust to hold mine and my families financial lives in.
Product: Credit card or prepaid card

I received a XXXX form dated for XXXX from XXXX XXXX XXXX, XXXX. in regards a XXXX XXXX XXXX account ( credit card ). I have sent numerous letters all three credit bureaus and to XXXX XXXX XXXX asking for my credit report to be updated to properly reflect my balance as {$0.00}. As of right now, XX/XX/XXXX my credit report still shows a balance owed of {$17000.00} ( this is not correct and is severely damaging my credit reports and credit scores ). I demand action and my credit report be updated immediately. I also want a letter from XXXX XXXX XXXX XXXX XXXX  N.A. stating this will be fixed permanently within the next 30 days. They have had 4 years to correct the problem and I am still fighting this.
Product: Mortgage

I was approved for 18months forward Mortgage Payments from XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. I had to file a complaint against my XXXX XXXX XXXX XXXX back in XX/XX/2022 because they were being delinquent in applying payments to my Mortgage per the XXXX award. Within in 24 hours of me filing the complaint payments began posting to my account. On XX/XX/2022 my Loan had been purchased by Newrez LLC. ACCT # XXXX. As of XX/XX/2022 Newrez has no information on the HAF award even though i have sent them the award letter. No XXXX payment has been made. Newrez advised me i have 60 days before i become delinquent. I do not understand why i should have to wait to be delinquent when they must have the Funds. Where would the funds be?
Product: Debt collection

I check my credit reports regularly almost everyday through my XXXX  & XXXX XXXX Apps to make sure all is well. On the morning of XX/XX/2021 I was notified my score had decreased by 33 points due to a Collection. I was immediately curious & upset because I havent received anything from any collection agency. I logged into my XXXX account & seen a collection account for {$150.00} on my credit report from a company named AR RESOURCES INC, XXXX XXXX XXXX XXXX, XXXX XXXX, PA. Ive NEVER received ANY PHONE CALL from this agency & Ive NEVER received any letter!! I dont even know of anything where I would owe {$150.00} because I pay all my bills & again, I havent received any type of communication about a {$150.00} debt!! Now my credit score has dropped horribly because of this company! If I hadnt checked my credit report I wouldnt have known anything about this company. I dont have any idea who this collection agency is or what the collection is for or from. Can this please be investigated & completely removed from my credit reports history? I need this to be removed & stopped before it attacks my XXXX  or XXXX  credit reports. I will attach a screenshot of what I seen on my XXXX  credit reports. Thank you for ALL your help.
Product: Credit reporting or other personal consumer reports

I froze my credit at all XXXX agencies a few years ago. Since then, I've regularly tried to unfreeze for brief periods when I applied for credit. I have no problem doing this online with either XXXX or XXXX. With XXXX, the experience is much different. 
When I try to log in, I get various errors, such as wrong telephone number associated with this account ( it isn't ). I've tried resetting and setting up a new account. The message I get is to send in personal information by snail mail. I'm not willing to do that given the risk of sending such info through the mail. 
Most recently, I clicked a link to unfreeze and was able to sign in but the page that pops up is not an unfreeze page but a link to their credit monitoring service. I can not get past it to do what I want to do. 
You can't reach a person on their customer service line. 
I know I'm not the only XXXX - https : XXXX
Product: Debt collection

In XX/XX/2021 I received a collection notice for {$410.00} from EOS CCA for a XXXX XXXX account. A settlement was reached for a payment of {$310.00} which was paid on XX/XX/2021. However Im receiving phone calls and letters from XXXX XXXX XXXX XXXX trying to collect the remaining {$100.00} XXXX. Ive explained to them on several occasions that a debt settlement amount was offered by EOS CCA for {$310.00} to close the account and had been paid. However XXXX  XXXX XXXX. continue to harass me stating that I still owe the remaining balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXXDOB XXXX. I have attached my DL for proof of ID Please update my address to  XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Credit card

Apple Card lied or was confusing with terms in relation to APR financing
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the account. BUT XXXX has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 
GM FINANCIAL XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit card or prepaid card

An item was purchased online for XXXX at XXXX XXXX on XXXX XXXX, 2019 That item purchased was a gift and it never arrived to my aunt in Arkansas. 
XXXX  XXXX was the carrier and the tracking information said that the item arrived on XXXX XXXX, 2019. But the item was not there, nor delivered to her home. 
I called XXXX XXXX and spoked to XXXX on XXXX XXXX and they stated they would file a shipping claim with XXXX XXXX and reship the package immediately. 
I phoned again on XX/XX/XXXX and nothing had been resolved and they never shipped the package as stated. I requested a refund and spoke to 2 different customer service agents on XXXX XXXX, and they said they had no authority to issue a refund so I asked for a supervisor and both times I was put on hold for 30 minutes and no one ever came to the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is no longer my lender for these loans they fraudulently reported my loan was delinquent which it is not. The bank committed fraud by reversing my payments after being told I was refinancing the car loan in an effort to commit fcra fraud for the loan It is under investigation by the ncua The credit bereaus were told of this and that the reporting is inaccurate and they did not correct the credit report
Product: Debt collection

I have written this company and they refused to respond, saying that my letter came from a company/organization. And they ignored my previous request to provide applications or security agreements that were completed by me to prove the initiating of this account. This account does not belong to me, and I did not initiate such account with them or the original company.
Product: Checking or savings account

Capital One is withholding my direct deposit. They sent an email XX/XX/XXXX at XXXX pm stating they were having issues since XX/XX/XXXX and it would be resolved by XX/XX/XXXX. It is XX/XX/XXXX and I still have not received my check. I called and requested an XXXX and was hung up on.
Product: Debt collection

They couldn't find my right address nor social security number nor my date of birth
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuse to remove outdated information from XXXX XXXX XXXX/ On the file is shows XXXX XXXX stating delinquency is from XX/XX/2013. 

FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE.
Product: Mortgage

Borrowers submitted request for mortgage assistance and attached all required information, including Request for Mortgage Assistance form, proofs of income, bank account statements, 2014 tax return, and IRS Form XXXX. Subsequently, borrowers received correspondence from customer service stating that application is incomplete with the same forms previously submitted attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SEND A CERTIFIED LETTER TO TRANSUNION ABOUT A COLLECTION COMPANY XXXX XXXX THAT IS SHOWING ON MY CREDIT REPORT 30 DAY LATE PAST DUE 120 DAY LATE AND I TOLD THE GUY THAT THIS COLLCTION COMPANY CAN NOT REPORT A PAST DUE OR LATE PAYMENT THEY OR NOT THE ORIGINAL CREDITOR AND THAT IT IS VIOLATION OF FDCPA AND I WANT THE ACC TO BE DELETE IMMEDIATELY AND HE DID NOT WANT TO DELETE THE ACC AND IT HURTING MY SCORE AND I CAN NOT GET A HOME
Product: Credit reporting, credit repair services, or other personal consumer reports

please delete this unrecognizable inquiries. I have attached my identity verification documents so please stop saying you can not dispute these items without ID verification.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies stated that a collection account was properly investigated and came back as verified. However, how is this true when I have explained to them numerous times that the account is not mine and should be removed from my credit report. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) & 1681i ( 5 ) this account is inviolation. As a consumer, I request to know all the steps the credit reporting agencies took to insure that this item was 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification-Description of reinvestigation procedure.
Product: Credit card or prepaid card

I had recently discovered my information was used to open a CapitalOne CreditCard account, which i never opened or gave anyone permission to open. I contacted CapitalOne and they removed the account from my credit files, but i believe that the account is still in bad standing with CapitalOne.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. Bankruptcy XXXX XXXX dismissed Reference # : XXXX
Product: Payday loan, title loan, or personal loan

Applied in XXXX, conditionally approved then advised to call 3 credit bureaus because there a freeze on husbands credit, spent multiple hours on phone with credit bureaus - all stating no freeze. Loan declined. Told to resubmit everything to try again. They already had everything but said they could not use it. Requested declination letter, was told it would have to come from lender that declined loan but they would not provide name of lender and I still havent received it. Resubmitted for 2nd try- was told approved and to watch email for loan docs- lots of incompetence but bottom line was they did not approve loan because I refused to take my house out of trust ( this loan was unsecured ) I advised on XX/XX/27 that I did not wish to move forward with loan- got confirmation this morning that loan was denied it wasnt, it was withdrawn
Product: Credit reporting or other personal consumer reports

XXXX has 24 names on my credit file that are NOT MINE!!! 

I have called, mailed Affidavids andtried online to get these names removed!!! 

They have NOT ADDRESSED THIS ISSUE!!!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

The company " Portfolio Recovery '' has called me XXXX times in the past XXXX weeks to try to get me to provide them with personal information regarding my son. They told me they were given our phone number as a contact number for him. We have had this phone number and address for about XXXX years. Our son left home about XXXX years ago when we were living in another state. My son tells me he has paid all his old debts and he owes no XXXX any money. I do not want to receive any more phone calls from people I do n't know asking how they can get to my son. XXXX of the numbers they have called from are XXXX and XXXX. I do not have the XXXX number. A different person calls each time. They should not have the right to continue calling to ask for personal contact information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX investigation by CFPB that closed XXXX, XXXX for an alleged debt owed to XXXX XXXX XXXX XXXX reported in XXXX was re-aged on my credit reports by XXXX XXXX XXXXXXXX. This is not allowed under the FCRA 623 ( 5 ) ( A ). Furthermore, XXXX XXXX XXXXXXXX continues to report this alleged debt that is not owed by me and XXXX XXXX XXXXXXXX has not been able to prove that I owe this debt. In fact, XXXX XXXX XXXXXXXX owes me {>= $1,000,000} that they refuse to return to me. This is under investigation with the FBI and state law enforcement and the FTC. Please inform XXXX XXXX XXXX that they are not permitted to report debts not owed to them nor are they allowed to re-age alleged debts.