23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On Sunday XX/XX/year> at XXXX, I received a notification from chime that my card was declined due to insufficient funds for a transaction at a hotel XXXX for {$850.00}. So I reached out to chime to alert them and close the accounts. The first guy told me I couldn't do that and that I needed to give him my social first. I got frustrated hung up, then got another notification of an attempted transaction. Used the chat feature and got the same issue. I asked to escalate it and got a manager who is telling me they can research the transactions, block them, issue me a new card without me having to verify my social. But in order to close the accounts and shut everything down they need my social. Makes literally no sense. Said he'd give me a new card but that's it. So id like to file a complaint against chime, their fraud department that doesn't help with fraud, and their supervisor team, who provided less help than the agents.
Product: Credit card

To provide you with a comprehensive account of the situation, I would like to detail the sequence of events surrounding the return : XXXX. I had order the items mentioned above, which were delivered together in a single box. 
XXXX. After receiving the order, I realized that the XXXX pairs of sneakers did not fit correctly, prompting me to initiate a return request via the Target XXXX 
XXXX. Target issued a separate XXXX return shipping label for each of the sneakers, resulting in XXXX separate return packages. 
XXXX. I dropped off both return packages at my local XXXX XXXX XXXX XXXX, Post Master located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, CA XXXX. 
XXXX. The XXXX tracking number associated with this return is XXXX XXXX. XXXX of the packages that was associated with this return was successfully delivered and refunded however, the return associated with the XXXX shoes was never received nor updated. There is no updates for the tracking number from XXXX. Nothing. 
XXXX. I have reached out through the chats, attached in here, no resolution. 
XXXX. I attempted to dispute, the call center representative was talking to me with disgust. I asked her what we can do she said she is going to have to transfer me to target XXXX 
XXXX. I got connected with Target XXXX and they just started they will not be able to do the return, because they never received the item, and the only optio I have is to dispute the charge, and when I informed him I had already called to dispute and the lady refused to help, yelled at me and XXXX transferred me to him, he said he will be disconnecting the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report XX/XX/XXXX and Acima credit fka XXXX was on my credit report along with a XXXX address I did not recognized. The lease/loan was opened XX/XX/XXXX in the amount of {$2800.00} and the balance is currently {$2900.00}. 

I immediately contacted Acima and they told me based on my social security, phone number, name and address they could not locate an account for me. I then disputed the account thru XXXX and also filed a police report. But the company is still refusing to delete and or terminate the lease thats in my account that I did not open. 
XXXX has contacted them to let them know I did not open this account and this is fraudulent. Acima can not locate an account yet it is still showing up on my credit report. 

I have had a fraud alert and lock on my account since XXXX as I am unsure how this has happened to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

************UNKNOWN INQUIRE ON MY CREDIT BUREAU SUCH AS XXXX AND XXXX XXXX XX/XX/2017 NAME OF COMPANY CAPITAL ONE
Product: Debt collection

I received several letters, harassing phone calls, and emails from this company trying to collect and settling a debt. The company is reporting fraudulent inaccurate information on my credit report. Ive requested detailed validation letter regarding this debt ; including the purchase agreement to show full ownership of the account and other supporting documents. Im trying to validate this account to see if this debt belongs to me. 

The company information SEQUIUM ASSET SOLUTIONS , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TEL : XXXX FAX : XXXX EMAIL : XXXX or XXXX Reference number : XXXX Original creditor XXXX for the total Amount : {$620.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent inquiry reported on my credit report. 
XXXX XXXX XXXX XX/XX/2023. 

This is a fraudulent inquiry I would like it deleted off my credit report immediately.
Product: Debt collection

This is a continuation of this complain, XXXX. XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX is extorting my daughter for being ignorant of the law. They refuse to settle this case and they have taken her income tax check of {$1900.00} in a pandemic. This account was settle in the court in the state of Idaho. These charges were made by her now ex husband without her consent, and he agree to paying it in a court of law. " garnish his taxes '' The credit limit on the XXXX XXXX XXXX account was {$1900.00}, This case should be closed and documentation stating its closed should by sent to us as well as the credit agencies. 

Please review and advise XXXX XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX
Product: Student loan

Conduent ( formerly ACS student loans ) seems to have disappeared? Their website no longer functions ( barely exists ), I am not able to access my student loan account to make changes, payments, view my account balance, or download tax documents. NONE of Conduent 's published phone numbers work. If I need to make a change in auto payment, or wanted to payoff my loan, there is no way to accomplish this. My biggest concern is this company has my bank account numbers and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has closed my checking account due to fraud ; therefore, I did not benefit from the loan deposit. My XXXX XXXX account was compromised and overdrawn due to identity theft. ( Account Ending XXXX ) XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$4500.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/2022 and a balance of {$2000.00}. 

I am a victim of identity theft and I never opened these accounts Please see the included FTC Identity Theft Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised Experian on several occasions that I was never late on any of my open accounts in XX/XX/XXXX, or XX/XX/XXXX. I have provided proof that these accounts where not paid late. I have also advised that the accounts reporting in collections are not mine and may be a result of identity theft, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Experian has failed to plea their case to who is providing them with this false information. Please help me to get this matter resolved.
Product: Credit reporting or other personal consumer reports

I had my XXXX XXXX XXXX XXXX XXXX NY XXXX for mailing for company to respond to Equifax removed this information from my credit file when they put my address in Georgia which I never lived I have Equifax credit report from XXXX with my XXXX XXXX XXXX it. Also all of my creditors has my XXXX XXXX XXXX address on file so what is Equifax problem they already violated my information by changing my address to a unknown area without my permission so why all this not updating of my address now.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX # XXXX - Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, 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 and 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: Checking or savings account

I deposited my state tax return check into my Chime bank checking account via mobile deposit on Tuesday XX/XX/XXXX. Usually my check deposits are available within 48 hours, however after a few days I did not receive my funds. I contacted Chime, and first they told me they could not find my deposit. Then, after providing them tracking information for the check, they confirmed they did have they check and that the deposit did clear ( they warned they might hold checks to make sure they dont bounce ) but that my funds would not be available until the following Tuesday. I asked for more information like why, and they just kept repeating that theres nothing further for them to do. I have bills that are now past due. I will be filing a civil complaint against this bank. But upon researching I found that they legally are not supposed to hold state checks for more than 2 days. And I wanted to report that they are! Earning interest on peoples money and not letting them access it. Its appalling!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an inquiry directly with Chase since I did not give permission to any entity to run my credit, and their response is a typical stall tactic they use asking me for information they should have already had since I disputed directly with a letter that had information needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I contacted XXXX XXXX, Equifax and XXXX regarding this fraudulent account placed on my credit report. I also reached out to the company XXXX XXXX XXXX the company XXXX XXXX XXXX/ at your service in question does not have any signature, contract, identification, or anything indicating that they were in business with me or that I did businessAdditionally, the account is utilizing a name that I no longer refer to anymore. This is how I know that this is a fraudulent debt with them. How can a company place an account on someones credit file without it being some type of verification that the person does actually have an account. Additionally, the account is utilizing a name that I no longer refer to anymore. This is how I know that this is a fraudulent debt. I received no documentation or letters, regarding this debt. this is a fraudulent debt. Equifax, XXXX XXXX, or XXXX did not investigate, this company to confirm the validity and authenticity of this trade line before being placed on my credit report. This credit report is hindering my well-being and now I am facing employment issues and ramifications if this is not resolved, this fraudulent account is on my report and Equifax, XXXX XXXX XXXX XXXX fail to uphold the FCRA and confirm the validity of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XX/XX/XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Inaccurate Reporting by the Three Bureaus Dear CFPB, I am filing a formal complaint regarding the inaccurate reporting of two closed accounts on my XXXX credit report XXXX The accounts in question are : Late payment reflecting on all three bureaus : XXXX  Acct # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Acct # : XXXX Date Opened : XX/XX/XXXX I did not make any late payments in this institution. Please update it in my credit report. 

Collections/Charge-off due to Identity Theft : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX XXXX Opened : XX/XX/XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Date Opened : XX/XX/XXXX Inquiries due to Identity Theft : Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX Under the FCRA, credit bureaus are obligated to take swift action upon receiving notice of inaccuracies due to identity theft. Non-compliance with these regulations may lead to significant penalties and legal repercussions.

I already filed an FTC Report, a police report, I called the bureaus, sent dispute letters, but still it is not removed from my report.

I hereby request a thorough investigation into these disputed items and prompt resolution of the inaccuracies. This entails removing all erroneous information, blocking any fraudulent accounts from reappearing on my credit report, and providing me with a revised credit report once the investigation is concluded. 
I look forward to your prompt response and action to resolve this issue on my credit report. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house so I recently checked my credit report and I saw a couple of accounts that were fraudulent and not opened by me. This is hindering me from buying my first home. Below I have listed below the account information and amounts of each fraudulent account as well as the inquiries. 

Account # -XXXX XXXX XXXX XXXX XXXX Date Open- XX/XX/2018 Amount- {$44.00} Account # -XXXX Date Open-XXXX Amount- {$5000.00} Inquiry- XXXX XXXX, XXXX, XXXX, XXXX, and XXXX
Product: Checking or savings account

We received a letter dated XX/XX/XXXX from Wells Fargo stating that they were closing our checking account that we had held with them since XXXX. No reason was given for this decision except to say the bank made a business decision to close our account. We have opened a checking account at XXXX but have had to do the work of adjusting our direct deposit, automatic payments from Wells Fargo to XXXX. In addition no reason was provided to why our account was being close and that we are never allowed to open an account with Wells Fargo ever again.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the accounts and inquiries below are fraudulent and unauthorized.

Fraudulent Accounts : 1. Creditor Name : 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 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 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 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: Checking or savings account

Somebody has my identity to open up account without my autherization. my birthdate was used same with my ssn. Franklin Collection SV i did not open nor had a account with them. The account number is the last XXXX XXXX and XXXX. The phone Number Is XXXX. 
Address XXXX XXXX XXXX XXXX, XXXX, MS
Product: Student loan

My student loans are being serviced by EdFinancial. I was previously serviced by XXXX. I was automatically switched from the REPAYE plan to SAVE without requesting it. When the SAVE plan was challenged in court, I was placed in the general administrative forbearance. When applications to change off the SAVE plan reopened, I submitted an application to switch to the PAYE plan. After a month of waiting, on XX/XX/year> I started a secure chat with an agent, XXXX, to request an update and to also request to be moved from general forbearance to processing forbearance. I was told that there is no timeline for application processing for anyone trying to leave the SAVE plan, and I have heard separately that some servicers are not processing these applications at all. This agent also lied to me by saying that anyone on the SAVE plan would not be moved into processing forbearance per policy, when in reality the policy states that this should be done ( I have talked with others in repayment who were successfully moved to processing forbearance, which would count toward monthly payments for PSLF eligibility ). All I want is to start paying on an acceptable payment plan, but the servicers including EdFinancial are making this unbelievably challenging and stressful during a time of great uncertainty for all Americans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Card paid in full, XXXX, credit reporting reflecting as " paid in full '' and past due simultaneously. Called their customer support number provided by experience, spoke with representative XXXX who would not provide any additional information about himself. He advised that the account would not reflect as paid in full until XXXX, was rude and provided inaccurate information. Advised that I could hang up and call again to speak with someone else if I did not like his response. I advised multiple times I would like to dispute the reporting that is reflecting past due for XXXX. Credit reporting is inaccurate.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, Experian, XXXX and XXXX are reporting my personal information without my consent. I see fraud accounts, addresses, names, date of birth and more. As a consumer I've already reported these issues with FTC, CFPB and all companies more than 5 times. The companies removed my account then later attached it back on my credit report. I get back the same responses and no results. This problem and unlawful acts has been going on for more than 2 years. Please review the attached documents to support my issue.
Product: Credit reporting or other personal consumer reports

These debts is considered a charge off. However, this actually considered income because I should have received a 1099c in order to account for this as income. This is not a charge off I'm requesting these are removed because it's not debt. This is considered income and income should not be reported on your credit report. 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, Dept of Ed/ 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: Debt collection

Credit Collection Services - Has reported a negative credit reporting to all 3 credit breaurs of {$100.00} i have no knowledge of this account. i am in the process of buying a home. my current score was XXXX until the false account appeared on my credit reports. decreasing my score by XXXX points. 


please help delete this account from my credit report