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

When I attempted to dispute information on my report ( XXXX was showing a problem ) I was unable to access my report and told to call Equifax. Equifax uses unreasonable questions to verify including the minimum payment on a store card from XXXX XXXX that was closed about ten years ago and no longer exists on my credit report. They asked about a car loan that doesnt exist. They asked when I last put a fraud alert on my report. It would have been many years ago, so I can not provide the month nor could anyone remember something so specific from that long ago. Furthermore, minimum payments change based on what charges are made to a card. The questions are unreasonable. The phone system is intentionally off putting and obviously intended to frustrate people. 

Equifax is not acting appropriately and should not be allowed to continue as such. They have lost my information multiple times and admit to doing so ( and are paying for monitoring services ) but wont allow me to access my own file to dispute inaccuracies.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

REPORTING ADDRESS THAT DONT BELONG TO ME : ( XXXX XXXX XXXX XXXX XXXX MD, XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ) PLEASE DELETE MY CORRECT FULL NAME IS ( XXXX XXXX XXXX XXXX ) THERE SHOULD BE ONLY 1 NAME AND 1 ADDRESS ON MY REPORT. DELETE THE OTHER NAMES AND ALSO DELETE THE ADDRESSES I HAVE LISTED THAT DONT BELONG TO ME.
Product: Debt collection

FOCUS FIN ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FOCUS FIN or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FOCUS FIN or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible because they are hurting my credit. 

1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Product: Student loan

I had to leave the University XXXX XXXX because of stuff that I had going on at home back in Alabama and I got off track with school and football because I chose to be there for my family back home and that is where I am right now. I am in the process of transferring and I need to send my transcripts to XXXX XXXX University and I was told that college cant hold transcripts anymore even if you withdraw from the classes before the deadline and have a balance. I talked to people at the University XXXX XXXX about releasing my transcript and they have their own rules and telling me I have to pay my balance off and that is challenging for me because I dont have any support to get a loan or anything. I dont even have a car anymore and my family is in poverty. I am submitting this complaint to see if I can get some support to get a loan without a co-signer and paying it off when I graduate or have fight with XXXX and their rules and have them release my transcript now and I set up a payment plan with them later on. I am close to graduating and will be the first in my family to do so because I am a first generation college student.
Product: Debt collection

I got a notification on my credit report about a company putting something on my credit report I knew nothing about and while doing research the company isnt licensed to collect debt in the state I am residing in which is North Carolina
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureau to have these items removed.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or rectify 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 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

I attempted to apply for a business credit application via XXXX ( Synchrony ) and included ONLY my EIN # which is XXXX. However, this application caused a hard inquiry on my personal credit report with XXXX  which should have not happened. I never once provided my social security number. I submitted a dispute with XXXX  and they came back saying the accuracy was verified. This is so wrong because I thought I was applying for a business credit card but the app was for a personal and it was rejected but they submitted a hard inquiry. 

I talk to XXXX and XXXX from Synchrony who was no help and would not here my concerns and didnt want to help. 

This is so wrong on many levels and I need some assistance getting this inquiry removed as I did not authorize this. 

Please contact me at XXXX if any questions or needed. 

XXXX Thanks, XXXX XXXX
Product: Credit card or prepaid card

A hard inquiry was made on my credit report on XX/XX/ by XXXX XXXX which I did not authorize. 

On my credit report it shows that a credit card was opened on XX/XX/ which I did not authorize. 

Account info Account name XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XXXX Status Open/Never late. 
Status updated XXXX XXXX  Balance {$4300.00} Balance updated XX/XX/ Recent payment $ 0 Monthly payment {$44.00} Credit limit {$4300.00} Highest balance {$4300.00} Terms NA Contact info Phone number None provided Address XXXX XXXX XXXX XXXX XXXX XXXX  Since no phone number is provided, I was unable to call them. I've reached out to XXXX to report this fraudulent activity and they recommended that I file a report online.
Product: Credit card

I opened this account in XXXX  and they charged my credit card {$150.00} annual fee. I called and spoke with someone in the XXXX because they use a call center there. I spoke with the rep advised them that I was thinking about closing my account because they charged me a {$150.00} annual fee and I have other cards that dont charge me any annual fee. So he says that is associated with your account so I will go ahead and close your account. I then was like can I speak to a manager. He then hesitated and then he hung up on me. So called back spoke to XXXX and I told her what happen and she said your account is already closed and asked me if I wanted her to reopen my account. After asking for a manager but I advised her that I never gave him authorization to close my account. I asked for her to give me his name of the person I spoke with for my records. She said she cant see the previous person names that a customer spoke with. Then she said only and initial. She went to get a supervisor and I was on hold for a while and she came back and said no supervisor is available. She then said can I call back. I said shouldn't they call me back when one is available. So that way they dont keep just saying that there is no supervisor. I also asked if there was a domestic supervisor I can speak with she said I called but they didn't answer. Then I told her to make sure my account is open because I never gave authorization to close my account. She reopened the account. She did towards the end give me the rep initials that closed my account without permission XXXX. Not sure what that means.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent documentation of the errors that was on my credit report. The main one was a property I had is indicated as being discharged through my XXXX XXXX bankruptcy of XX/XX/XXXX, when it was sold and the loan lender received payment in full in XX/XX/XXXX. When I sent this info over my credit score was XXXX Experian XXXX XXXX and XXXX XXXX. Once I submitted my disbute after the time for review, I received info from them advising per the creditor it is reporting correctly ( even though I sent the bill of sale document for the property ) but then they also reduced my credit score even though there was no change to it. All 3 credit agencies reduced my score after advising NO CHANGE reporting as correct! If there is no change, my score should have NOT changed. I want my score put back to where it should be. Right now it is reflecting as Experian XXXX, and XXXX XXXX, XXXX ( unsure ). I have reached out to the creditor who advised they will correct it, but I want my score back where it was before they correct it because it should go much higher than what it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached the notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, to remove and block these items.
Product: Credit card

I established autopay on my account with FNBO on XX/XX/year>, assuming that my payment would be processed on the next due date of XX/XX/year>. On XX/XX/XXXX, I received my new statement and saw that my limit had been decreased from {$5000.00} to {$3400.00} ( {$200.00} about my current balance ) and I had been assessed a late fee. 

This is going to damage my credit and shouldn't have happened. Their autopay system appears faulty but to the company 's benefit! I usually pay this card off every quarter or so and use it frequently.
Product: Checking or savings account

I have an XXXX account with Optum XXXX. On XX/XX/2021 I went to Optum website to pay my doctor bill. So, I created distribution from my account to my doctor. Optum deducted requested amount ( {$130.00} ) from my account but my doctor never received this money. Now after 4 months doctor office is sending me to the collection agency. In meantime I called a few times my XXXX bank to resolve this case and my bank is unable to provide me with any proof of payment. They can not find the check cashed by the doctor. They even don't know check number issued to the doctor. They also don't want to return this money back to my account. I got multiple promises to get some solution and nothing happened. Seems like they just play for time. Each time they are assigning different case number. After a few days I am receiving email with info that case is closed. My last, still open case number is : XXXX.
Product: Checking or savings account

On XXXX XXXX around XXXX PST, two fraudulent attempts in Washington were made on my account ( one through XXXX XXXX which notified my phone via the bank app ; Chime Bank did not process these charges due to insufficient funds. I reached out to Chime support immediately via the app to have my account and card locked which did not happen. Chime support has admitted this failure on their part but still refuses to approve my dispute claim for the following event. 

I live in XXXX XXXX, California and on XX/XX/2022 at XXXX PST a charge to XXXX for {$140.00} was processed on my account that I did not approve, request, or process. This charge is unapproved. I immediately disputed the charge through Chime support however they refuse to approve my dispute as they believe this charge is not fraudulent ; which is false. 

I have spent a month going back and forth with Chime and XXXX to get all of the details of this case. 

I submitted a missing payment report and a fraudulent payment report to XXXX  however their system and support teams can not locate the charge or my bank information in their system. XXXX is unable to locate the charge of {$140.00} and therefore can not reverse the money. They recommend that I reach out to Chime to have the charge disputed. 

It is now XX/XX/2022 and Chime Bank still refuses to approve my dispute request in the amount of {$140.00} for a fraudulent charge that occurred XX/XX/XXXX. I have called their bank 7 times and spoken with 15 chime support agents who could not assist me. I have sent 8 emails to the Chime support team to rebuttal my case in an attempt to have my request approved. It is now a month later and my funds are still being withheld by Chime whose dispute team has not provided clarity on what information they need to approve my case.
Product: Bank account or service

I visited the Wells Fargo Bank location at XXXX XXXX XXXX in XXXX to request a duplicate debit card for my checking account. Without my approval or authorization a new checking account was opened under my name. I work two jobs and was unable to revisit the branch for many months. Between the time I originally visited the branch at XXXX in XXXX and the time I was able to stop at another Wells Fargo Bank branch at XXXX XXXX XXXX XXXX XXXX, the account that was opened without my permission incurred XXXX in fees. I provided to the banker at the XXXX & XXXX XXXX XXXX branch of Wells Fargo printouts of the history of the account showing I NEVER used the account. I also indicated I did not authorize the new account to be opened in my name and did not want the account. The banker took the printout to who I was told was a manager and a portion of the fees were refunded but not all of the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and the CRA Transunion hasn't removed the following accounts. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX recently called them and they confirmed they have my FTC and police reports to validate my claims. Please ensure Transunion removes them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX to inquire as to why a transaction was taking so long. The agent verified a my mailing address. Immediately I advised her my mailing address was my XXXX XXXX XXXX XXXX, FL XXXX. The address that the agent provided me was an address Transition had listed as my address recently. After researching the address it is a home worth almost {$1.00} XXXX. It is disturbing to me that this is listed on Transuion credit bureau as my address and I am dealing with an insurance company and they mailed correspondence to this address. I did not provide this address not do I know anyone that lives there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint against XXXXXXXX XXXX  for misleading and improper use of my credit report. 

On XX/XX/XXXX I called XXXXXXXX XXXX to inquire how a mortgage calculator works. My home 's mortgage company sent me there. While making a general inquiry with XXXX  they pulled my report without my clear knowledge of why and for NO VALID REASON. This resulted in the Hard Inquiry I'm disputing. I have written the company half a dozen times to complain, and have complained with all the Credit Bureaus 6+ times each. No one will listen to me and remove the invalid Hard Inquiry.

In no way was I seeking credit with XXXX XXXX or seeking any of their services. 



XXXX XXXX ssn XXXX birth XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , REMOVE ALL information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX for {$530.00}, an EDUCATION loan account opened at DEPT OF ED in XX/XX/XXXX under the account number XXXX for {$6700.00}, a second DEPT OF ED loan under the account number XXXX for {$3700.00}, and a collections account opened at DIVERSIFIED ADJUSTMENT for XXXX opened on XX/XX/XXXX with a balance of {$960.00} Acct # XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. This has caused me denials for multiple lines of credit and resulted in financial harm. 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 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

On XXXX I got a text from my bank Wellsfargo saying there was a charge of XXXX at XXXX. If I recognize it Y or N. I was in XXXX XXXX and about to board a plane. 
I immediately said N. Then I got 2 unknow calls and a 3rd call that was on my contact list saying Wellsfargo XXXX 
I answered it and the guy already had been in my account telling me about the charges if I made it or not. I told them which ones were mine and which were not. 
I also said I am about to board my plane. 
He suggested I put my account on freeze mode and went on telling me to go on my phone and punch in some number on my key pad. 
I did that and XXXX hours later when I landed I checked my e-mail saw 3 emails from Wells Fargo that XXXXXXXX XXXX  was transferred to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FROM MY ACOUNT TO XXXX XXXX XXXXXXXX. 
I IMMEDIATELY from the airport called the fraud case almost XXXX hours after the original fraud text and opened a case of fraud transfer with Wellsfargo. 
The next morning XXXX XXXX  went to the branch of Wellsfargo and told them this money should be flagged and marked as fraud and totally stop my online banking, They said the money is in XXXX  XXXX XXXX AND THEY CAN NOT AT THIS POINT DO ANYTHING SINCE IS AN ONLINE BANKING FRAUD CASE BETWEEN THE 2 banks. 
I went to the local XXXX XXXX  XXXX and ask them to hold the money till we can investigate since a case was already made almost XXXX hours after the fraud wire was made and was flagged. XXXX  XXXX XXXX said your bank needs to contact online fraud XXXX XXXX XXXX XXXX XXXXSince the XXXX I have been getting the runarounds and all the blames for giving my info to hackers.yesterday I got a letter from WF that said since I Assist in the wire transfer and the funds are no longer available the bank cant give my money back. 
I never assisted any one, I try to stop almost XXXX hours, the system was hacked when I got the original text since they already were in my checking acount.they try to get me via text my user number and password and since I never remember it I could not provide it. 
At this point I am reaching to you and hope you can help me. 
I send letters to the board of directors, I tried to email the district manager, but her Email got back to me. 
The branch people are nice but clueless and I am in big pressure since I want to get a loan and cant borrow money.please help me. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report reflects a late payment XX/XX/2022 for Capitol One. Which I was not aware of this payment being past 30 days late. I wasn't notified about the payment being so late.
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose