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

On XX/XX/2023, I received a text message from my mother a picture of a Chase letter stating to send additional information for the application to be submitted. I had not submitted an application to Chase bank. The application was submitted using my name, my mom 's address, and our previous home phone number that is no longer in service. This is how I received notice because it was sent to my mom 's address. I looked at my credit report and identified a hard injury by JPMCB Card services on XX/XX/2023. This is when I realized someone had stolen my identity. Looking at my credit report on XXXX, there is a section labeled as Account Review Injuries. On XX/XX/2023 and XX/XX/2023, XXXX is listed. I have never used XXXX and was unaware of what XXXX was. I have now learned that it is a credit website where I believe they created an account using my personal information. I have sent the customer support an email and am waiting for a reply. Using XXXX, a credit alert for JPMCB Card and card services on XX/XX/2023 and XX/XX/2023. I have filed a police report on XX/XX/2023. I called Chase and am waiting to receive a letter to verify the cancelation of the application. I have placed a fraud alert on XXXX, XXXX, and XXXX. I have also frozen my credit on all accounts. And am currently calling to dispute the hard injury and label the address and home phone number as fraud. I will be contacting my three lines of credit and my bank. I plan to send in the information to extend the seven year fraud protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted three letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to Experian requesting removal of two accounts XXXX XXXX XXXXXXXX ( XXXX ) and XXXXXXXX XXXX XXXX XXXXe ( XXXX ) the listed accounts aren't mine and they're refusing to show me proof, like a wet signature or signed contract agreement that the accounts are legally my accounts. I have also call the reporting agency several times to get this matter resolved. These referenced accounts have been removed off my XXXX report due to illegal reporting of false accounts. 

I have submitted three letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to XXXX requesting removal of one accounXXXX XXXX XXXX XXXXXXXX ( XXXX ) the listed account isn't mine and they're refusing to show me proof, like a wet signature or signed contract agreement that the account is legally my account. I have also call the reporting agency several times to get this matter resolved. These referenced account has been removed off my XXXX report due to illegal reporting of false account.
Product: Debt collection

I am having issues with disputing a fraudulent account that was opened in my name. This is my second time reaching out to the CFPB as my issue was never resolved. An account was fraudulently opened in my name in XXXX. This account was opened using a Variation of my Legal name and not my XXXX XXXX. Yet XXXX one refuses to investigate or remove this account from my ownership. I have filed a police report, XXXX of XXXX theft, and multiple disputes with the bank itself but XXXX XXXX still responds via mail stating that they have conducted an investigation and are attaching the evidence. The evidence they attach is the monthly statements from the fraudulent account opened using a variation of my name. The account was opened using the name XXXX XXXX. That is not my Legal Name, my Legal Name is XXXX XXXX XXXX. They refuse to acknowledge that this case is fraud and will not budge. I need assistance in having this account removed from my records. I had an XXXX XXXX XXXX from XXXX when this credit card account and another credit card with XXXX bank were opened in my name. XXXX bank completed an investigation and confirmed that I did not open the account. I am not sure why XXXX XXXX thinks that the account transactions of a fraudulent card serve as proof of ownership but they do not. I can prove I was working as a XXXX XXXX  XXXX XXXX during the times of all the transactions they are claiming are mine. They refuse to reopen the case. I have contacted them most recently as XX/XX/XXXX, where I spoke to an representive named XXXX ( XXXX ID : XXXX ). He stated that they will not reopen an investigation into this case. When I asked to speak to his XXXX, he stated that he doesn't have a manger and that he is the end line of communication for me. He stated the investigation is complete and that they can not reopen the dispute due to the Fair Credit Reporting Act not allowing them to. This does not make any sense to me. Please assist me with resolving this matter. Acct number : XXXX.
Product: Debt collection

I noticed my information was compromised including my ID, social security card info and my credit in XXXX of XXXX. I ordered my credit report and noticed two American Express accounts. I went to the XXXX XXXX XXXX XXXX police department and I received a police report for the two accounts. PLEASE have them REMOVE FROM MY CREDIT REPORT. These are fraudulent accounts and I did not authorize these accounts to be open in my name. I spoke to American Express and they are refusing to remove the fraudulent accounts. 

American Express : Account number : XXXX Date fraud began : XX/XX/XXXX Date discovered : XX/XX/XXXX Amount : {$5000.00} American Express : Account number : XXXX  Dare fraud began : XX/XX/XXXXXXXX  Date discovered : XX/XX/XXXXXXXX  Amount : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out dispute letters to XXXX, XXXX  and Equifax credit reporting agencies. I received no response from the other agencies. Equifax tried to say they didn't receive the letter yet and to wait a few more days. At this point it has been well over 30 days. They claimed they couldn't authenticate me even though I had answered the questions straight from the credit report. I contacted all agencies and they claimed that they didn't receive them. They then claimed a third party sent out the requests. All requests came from my hand and were hand mailed out by me. How can they claim that there was a third party involved if the never received anything? This seems like a stall tactic by the credit bureaus to give a hard time to consumers because they don't want to have to deal with the removal of these items for dispute. 

These letters were done by me and mailed by me. They claim its a third party but in the same breath say they never received anything. How can it be both. They have had 60 days to respond and haven't. I disputed 2 Bkpcys on my credit out of California because I have only ever filed one Bankruptcy and that was a Chapter XXXX in Ohio in 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries on my Experian report from XXXX  XXXX XXXX, 3 inquiries from XXXX XXXX and 1 from XXXX XXXX are unauthorized. I contacted Experian two times through the mail to have them deleted and never received anything back in the mail.
Product: Vehicle loan or lease

On XX/XX/year>, I purchased a 2024 XXXX Hornet from XXXX XXXX XXXX of XXXX. I was charged for GAP insurance XXXX, I paid in cash and then later discovered it was written into my finance contract. The dealership denied the action and when I sought proof from the finance company I discovered thar their documents on file did not match the documents I signed. The vehicle is financed through Stellantis Financial Services, the loan contract in their possession was forged and fraudulent. I have provided Stellantis with proof that my signature was forged, including a police report filed with the XXXX Police Department, yet they have refused to cancel the contract or take corrective action. 

Despite clear evidence of fraud, Stellantis has continued to enforce the contract, making them complicit in predatory lending and unethical conduct. Their inaction suggests a pattern of enabling the dealerships misconduct, as they have failed to investigate or hold the dealership accountable. 

This is not only a violation of consumer trust, but a serious breach of federal lending regulations and ethical conduct. I respectfully request that the Consumer Financial Protection Bureau take immediate action to protect consumers from further harm.
Product: Debt collection

My family has been getting very annoying letters and phone calls regarding  XXXX  different accounts from this company  Portfolio Recovery Associates. they  claim I owe them, money and they have contacted so many of my family members and sent out letters to  XXXX  different location where I do not even reside and I would like them to leave us all alone and remove their collections from my reports wirth the  XXXX  credit bureaus because these debts were never supposed to be help against me and I gad contacts both  XXXX   XXXX  and  XXXX   XXXX   XXXX  regarding them they understood when I told them my personal information was compromised. What right does this company have placing collections again me when I am a victim? And how are they allowed to send endless mail to my family members homes in  XXXX  and   XXXX   XXXX  . I live in the state of Nevada, this is all so wrong and I would like them to remove me from their databases.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit bureau is reporting 5 collection charges on my credit report. Ive disputed the issue and they have said it is valid. I have asked for a signed agreement or contract that shows these debts are valid with the company reporting it and that these debts are tied to me. The collection agencies keep on sending old invoices and thats not an agreement.
Product: Credit reporting or other personal consumer reports

A letter was sent to me from Transunion and it states that they do not have any personal information on me or a credit record. How are they reporting verified information on my report if they don't have this information? Transunion is doing sham investigations and unlawfully failing to properly investigate my consumer disputes and it's hurting my credit worthiness and is also deformation of my character when other companies see this inaccurate information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent and reported it across the three Bureaus, XXXX, XXXX, and Equifax.
Product: Checking or savings account

On XX/XX/XXXX per my instruction my payroll was direct deposited into my cousin 's account, my name is not on the account. Although I was able to access previous payroll funds direct deposited to this account, Capital One placed a hold on the funds mentioned above, due to suspected fraud. 

Both myself and my cousin, presented ourselves and our respective valid IDs to a branch location, to show proof of ownership of the account and the funds. However, Capital One still refused to release the funds and refused to communicate directly with us with the exception of advising us they would only release the funds to my employer. 

My employer XXXX XXXX intervened and tried to get the funds sent back to them so that they could cut me a paper check. XXXX XXXX has made multiple attempts to fix this issue with Capital One, without success. 

It has now been over 6 weeks ( more than enough time to conduct a fraud investigation, especially since all parties involve are trying to work with Capital One ), with no notable progress. As of XX/XX/2018, Capital is still refusing to release MY funds to me, my cousin or XXXX XXXX. Their latest roadblock is to advise XXXX XXXX, the funds are in use and can not be released. For the record, Capital One continues to block my access to the funds and refuse to speak directly to me about the situation. The number I was provided ( XXXX ) merely transfers me to a messenger system, where after dozens of messages, I have never received a return call.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had become a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX  unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, XXXX XXXX XXXX XXXX XXXX XXXX, leaving me grappling with the unsettling reality of a violated identityXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with XXXX, TransUnion and XXXX  on these accounts that reporting on my credit report. I reached out to them on XX/XX/2019 with no response from them at all. I have called about these items and disputed with a dispute Representative and still no outcome about theses accounts they just update with nothing changing. These accounts has been in forbearance with no payments that have to be made on them and I take care of my responsibility with keeping them in forbearance every year. These accounts are reporting current, then 90 days late, 120 days late, 120 days late, and 120 days late. How can that be when I have never been late and how can that be without being 30, 60, 90, and then 120 days late that mean it's not reporting correctly and the late payments need to be removed or updated to current. They have also felt to send me validation of how they got they information  showing me to be late 90 days, 120 days late on these accounts with the Dept of Education/XXXX. I sent out XXXX letters to each bureau with no response from either bureaus. I just want this fixed and to report correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiry that I find to be problematic. The inquiry in question was apparently made by ONEMAIN ( XX/XX/2021 ), and I have no recollection of doing any business with ONEMAIN. I contacted ONEMAIN, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my
creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS LEAKED WITH THE DATA BREACH, 15 USC 1681 SHOULD BE UPHELD ON MY BEHAVE
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( XX/XX/2023 ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following accounts needs to correct or removed immediately : XXXX XXXX XXXX XXXX XXXX : {$28000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} -Please check the Payment History and Status information on this account and adjust accordingly. XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please update it immediately. XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} - I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account. 
XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. XXXX XXXX XXXX XXXX : {$0.00} - This company has illegally re-aged this account. Please investigate thoroughly and delete for lawful accuracy. XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} - I believe this account is reporting inaccurately. I do not recall ever
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal credit card ( ending XXXX ) with XXXX XXXX has a regular balance of {$40.00} ( see attached document from XXXX 's myaccount access.com ). 

XXXX XXXX " criminally, willfully & fraudulently '' reported my balance of my personal credit card ( ending XXXX ) {$710.00}, to all credit reporting agencies in particular XXXX and Equifax. Thus, my FICO score " dropped '' by at least XXXX points. This is NOT a isolated incident by XXXX XXXX- there are many willful and criminally motivated FCRA violations. 
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Product: Credit card or prepaid card

Im writing you this letter to inform you that XXXX XXXX  will not take this one late payment off of my three credit reports. I have sent them all paperwork too show I have had mail theft in my neighborhood, and it's been going on for a long time, so when I first got my credit reports I noticed things that weren't right that were on my credit reports. I started investigating all of my accounts. XXXX  was one of them, it was showing I was late on XX/XX/2014, I had called and spoke to a supervisor, and a lot of there employes that worked there, so then they sent me papers too fill out, and i sent them back and that went on for about 4-5 months all of this for one late payment on my target account, that was for a late payment, and it wasn't my fault it was due too the mail theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is causing me DEFAMATION OF CHARACTER reporting false information on my consumer report defaming my character and also violating the FAIR CREDIT REPORTING ACT by failing to Remove the fraudulent inquiries in which I havent gave my written instructions meaning theres NO PERMISSIBLE PURPOSE which is violating 15 USC 1681b .. You are obligated to report maximum accuracy information as the banking system is dependent upon it!! The CFPB REPORT states your company is cutting corners and not abiding by the law for you profiting benefits in which you fail to abide by FEDERAL LAW IN WHICH YOUR REQUIRED!!
Product: Checking or savings account

XX/XX/XXXX- Wells Fargo ATM eats my Business Debit Card and a large number of checks being deposited. This is on the heels of the same occurrence ( at a different branch ) occurring a week or so previously with regards to my Personal Debit Card/Checking Account. 
Ive noticed this all happening as I was deciding to close accounts and move funds away from Wells Fargo after XXXX XXXX performance on the XXXX. 
XX/XX/XXXX- Wells Fargo reverses the Deposit amount of {$4800.00} essentially stealing my checks by order of Provisional Credit Reversal without any notification whatsoever. This is in violation of our agreement which had me request and be promised that no case would be closed or resolved until Id received proof of the recovered checks, an explanation as to why this has occurred to me now multiple times, and statements from the Branch and the ATM servicing company verifying whatever alibi WF decided to present to me, which as it turns out, was none.
Product: Debt collection

CRA violation no knowledge inaccurate accounts appeared on my Experian credit report. FTD ID Theft Report # XXXX
Product: Checking or savings account

I have a checking account with Citizens Bank N.A. which has been dormant since XX/XX/XXXX. ( There was a {$10.00} balance to keep the account open for possible future use. ) Beginning on XX/XX/XXXX and unbeknownst to me, a number of charges from XXXX were presented for payment from my account, in the amounts of {$24.00} ( 2 ), {$29.00}, and {$47.00} ( a total of {$120.00} ), from XXXX for magazine subscriptions I had on auto-renewal. ( All previous payments to XXXX for XXXX were charged to my " default '' funding source on the app ( an account I have with XXXX XXXX XXXXXXXX XXXX ). 

They were ( understandably ) declined by Citizens Bank for insufficient funds, and my account was charged for Returned Item ( {$35.00} each ) and Sustained Overdraft Fees ( {$30.00} each ). The charges were apparently attempted multiple times between XX/XX/XXXX and XX/XX/XXXX, resulting in my incurring {$440.00} in such fees in less than a month. I had no knowledge this was occurring because I haven't used the account in over 2 years. 

I was surprised not to have had any notification from the Citizens Bank Fraud monitoring department for this flurry of activity on a dormant account. 

XXXX was unable to explain why recurring amounts previously charged to my XXXX XXXX account were suddenly being charged to my Citizens Bank account. They said there could have been some issue with XXXX processing ( though NOT for insufficient funds in the XXXX account ) or, more likely, a " security '' issue, which I explained to the Citizens Bank representatives with whom I spoke. 

I called Citizens Bank on XX/XX/XXXX to ask for help in resolving this problem. None of the THREE representatives with whom I spoke - one from Collections, one from Claims, and one from Retail Customer Service - offered any resolution except to remove 2 of the Returned Item charges as a " one-time courtesy '' despite this clearly being a mistake/misunderstanding. I was told there was no further way to " escalate '' my problem or to speak with someone who had more authority than the front-line telephone representatives, so I am filing a complaint through CFBP and, if necessary, I will file additionally with the FDIC and State Attorney General. 

This is unconscionable and predatory customer service, assessing over {$400.00} in 21 days - without notifying me- all because of {$120.00} in charges which I explained were clearly mistaken and which I had no reasonable cause to anticipate. 

I have attached bank statements between XX/XX/XXXX and XX/XX/XXXX showing the {$10.00} balance carried monthly with no activity on the account for these 27 months. In addition, I have included the XX/XX/XXXX statement when the charges starting appearing, as well as " screenshots '' of the recent activity ( i.e. more charges and fees ) from XX/XX/XXXX through XXXX.