23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Over the past 10 years I haven't been able to open an bank account. I don't know the reason why. I have been told several times to contact XXXX. I have contacted them several times. I was told I would receive information to my email or through the mail. I was told I was red flagged from opening accounts. never been told why. I have tried for accounts at Wells Fargo XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Etc. I have been giving access through accounts with my husband but never my own personal account. Some accounts I was denied even with my husband. Even with my husband I had restrictions. this has caused strains on my business. I have to put my business account in other people names. 

This has really had a bad impact and no credibility with my sponsors and donors because of this matter. Some banks never responded back to me. I will also include deposits and I never received them back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has placed a delinquency on my credit report for a card which I do not have. I do not have an account with this organization unless this is the result of fraud or theft.
Product: Money transfer, virtual currency, or money service

During the covid period my account had been hacked using XXXX and scammer transferred my money to a friends account, requiring me to contact that person to send it back to me, when they had actually intercepted the money being returned to me, it appeared at that same time period Wells Fargo 's XXXX costumer number had been compromised. 

It was at the XXXX attempt through the Customer XXXX number that I requested my account be changed, for it appeared my original account had indeed been compromised.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of XXXX. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Product: Debt collection

This number keeps calling me telling me that I owe {$290.00} for a XXXX bill. I do not have a gas bill in my name, and I have not. I asked for the address and they gave me an old address of mine. I verified with the person who lives at that address now and they have XXXX under their own name.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federally protected consumer I am now opting out of all authorization. I the consumer may have given you written and unwritten, verbal, and nonverbal per 15 USC 6803.

15 USC 1681- Permissible Purpose i did not authorize these companies to have access to my credit 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have previously disputed items within the ChexSystems report and I have now received responses to my disputes from ChexSystems. 

In the responses to the disputes ChexSystems acknowledged that they received a copy of the police report I filed, however they said they could not use the police report because the information stolen could not be used to open bank accounts. 

The police report states that the items stolen from my office include : my social security card and my passport which includes my date of birth. ChexSystems is not correct when they have stated that the police report was not sufficient. 

ChexSystems continues to report addresses on my ChexSystems report that are not mine and do not belong to me and that I have never lived at. Being in the middle of identity theft and is hard and ChexSystems is making it much harder to prevent further security threats to my identity by continuing to report addresses that do not belong to me. I have now filled out an FTC affidavit of identity theft and have listed all the addresses on the affidavit that are not associated with me. 

I wish to dispute the following addresses on my ChexSystems report due to fraud : All variations of the following addresses are incorrect and should be removed. 

XXXX XXXX XXXX XXXX XXXX, Texas ; XXXX XXXX XXXX XXXX, TN ; XXXX XXXX XXXX XXXX, TN ; XXXX XXXX XXXX XXXX, TX ; XXXX XXXX XXXX, TX  ; XXXX XXXX XXXX XXXX, Texas ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas If any of these addresses were reported to ChexSystems by a financial institution that financial institution did not have my authorization to view, access or update my ChexSystems report and thus ChexSystems may not use that as a reason to keep reporting the incorrect information. 

I am also disputing the following inquiries that are appearing on my ChexSystems report and were not authorized by me : XXXX XXXX XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX I have previously disputed the inquiry from XXXX XXXX XXXX XXXX XXXX XXXX - date XX/XX/XXXX. I disputed this directly with XXXX who told me they were requesting a removal from my ChexSystems report but it is still being reported.
Product: Checking or savings account

I tried to take {$500.00} out of the atm on XX/XX/2018 but when I tried the atm said that it couldnt disburse that amount and I needed to enter a lower amount, so I tried again with {$300.00} and it said the same thing. At this point I gave up and canceled and took my card and left. Later that night I checked my online banking account and say the {$500.00} on my statement it said it was disbursed when it never came out. So I called and filed a dispute and they just informed me it was denied and they are basically stealing my money and Im very upset. Please help me
Product: Debt collection

they have had it listed as a charge off for over 4 years per Texas state law it should be removed they are not doing so
Product: Credit reporting or other personal consumer reports

Logged into my credit report history and saw those two inquiries from CBNA on my report that I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

TransUnion still reporting inaccurate information which is hurting my ability to obtain credit. 

See attached documents.
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 )  and the clients right to counsel. The lender has also failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
Product: Credit card or prepaid card

My first question is if I don't give you my personal information. Example if I give you my personal information and authorize you to check. We could find and resolve. NetSpend XXXX a fraud alert came about. They sent me a text message block my card. Then I called and confirmed to block my card. They sent me a new card and they put it on another account. Which is mine with no money. I have called several times and had this money transferred. To the new account. I have to eat sometime. And it's still not there and when I call they put me through the same process. Also someone has all my electronics. My emails phone numbers. They might even contact you they're not who they are
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  inaccurate information and no contracts with wet signature provided. 

XXXX XXXX, no wet signature of original settlement papers provided. 

XXXX XXXX, no wet signature documents, providing proof of original debt. 

XXXX XXXX, no wet signature documents proving original debt. 

XXXXXXXX XXXX  no wet signatures, proving original debt.
Product: Debt collection

i went to XXXX XXXX/XXXX/14 to buy a car. i found a 2014 mustang stock car with no upgrades, loon the sales man stated that the car was XXXX $ but that we can work down the price to {$19000.00} out the door, so i said ok ill put {$11000.00} down cash and finance the rest, so over a period of a year i was unable to keep up with the payments and was wanting to sell to a friend who would accept the payments so i called the finance company to see how much i needed to pay off the company. they stated XXXX i was confused and went down to gaudin and talked to loon and he remembered me and that i put XXXX XXXX so he said he contact me after he located my contract in the office. two weeks went by and nothing was heard, so i called and then he sent me supposedly the copy of the contract with the finance numbers not recognized. that total sales price of my car to be XXXX and a false signature made by me. i called gaudin and nothing. then my car was repo again and i was unable to keep up with all the extra fees and i let it go. my car was taken and they did n't contact me to get my belongings back nor when the auction was. i know for a fact that i did n't sign to by a XXXX XXXX i was told XXXX $ out the door. now im walking and am unable to get around. i have always maintain myself with a vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBE Group XXXX : This is reporting on my credit file & I have not received any notifications regarding this debt. I paid this off in full once I had it showed up on my credit file. This debt has now been paid and needs to be removed from my credit report. Not receiving any 30 Day right to dispute is a violation of my rights and this needs to be removed!!!
Product: Checking or savings account

I received a debit card from XXXX XXXX in the mail. I never opened an account with them. I called and they closed it down. Also someone applied for a loan with NetCredit on XX/XX/2022. I have contacted them filled out a police report, and faxed the information to them and XXXX. They also changed my XXXX XXXX account. I have the new email that was used. also the address used when applying for the loan.
Product: Credit card or prepaid card

Synchrony Bank under the XXXX umbrella I recently reurned to find a bill for {$2000.00} from Synchrony Bank. Not thinking I paid the bill. I then looked up the transaction report and there was nothing showing any charges. After hours of trying to get a live person, I got a lady from XXXX XXXX XXXX Her name was XXXX. She looked up my account and found the same thing, no transaction report, only that I owed {$2000.00}. I told her I was going to put a stop payment on the check with my bank, XXXX XXXXXXXX XXXX, and she agreed I should. In the meantime I received another notice that I owed another {$1800.00}. Again, I checked the transaction report and there was nothing indicating I owed that money. Again, I contacted the bank and got a person named XXXX. She could read some transactions, but I could not read them on my transaction report. She read off what I showed was owing and it did not total the {$1800.00}. She said she would send me the transaction report she had by US Mail, and I could not access as of that date, XX/XX/2023. Since then in accessing my account they have added charges for delinquent payment, a stop check charge for the {$2000.00} that I had to stop because of not knowing what I owed for, and interest charges that do not make any sense. Prior to this recent trip to Kentucky I had not used the card since XXXX and had paid in full all charges. As of today, XX/XX/XXXX, I still can not access my transaction report but they are telling me I am delinquent and owe additional money. I know this sounds bizarre but I have copies of all of this if you need them.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late 2. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 


6. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report. 


7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Delete this account.
Product: Debt collection

Every single day Synchrony has been calling me from various numbers more than five times daily. They hang up on the answering machine as well. They're robocalls sometimes because when I pick up the phone it hangs up on me when I attempt to talk to a live person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed a letter concerning misleading and inaccurate information on my credit report to this day over 45 days the bureaus have not responded to my request. The bureau causing me anxiety and I'm struggling too maintain my health for my kids and all my disputes are being ignored. Section 611 ( a ), it is plainly stated a failure to investigate these items within 30 days gives a reason too immediately remove those items from my credit report it has been over 30 days so they should deleted at once. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX  data breach and my have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XX/XX/2014 {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempts to request my credit report from XXXX XXXX report since XXXX XXXX XXXX. I've sent copies of my identification and proof of address but not response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regard to my credit report which was recently issued to me and includes negative items from the following.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please remove inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Doesnt exist. Inaccurate information My rights have been violated sharing and posting information that is not accurate per FCRA please remove The FCRA is a federal law that requires credit bureaus to provide consumers with fair and accurate credit reports. Section 609 of the FCRA states that whenever a consumer disputes an item on a credit report, the credit bureau must provide reasonable procedures to ensure that the information is in fact accurate.
Product: Credit card or prepaid card

Over four months ago, I contacted Discover regarding a credit card account that belonged to my deceased brother, XXXX XXXX XXXX XXXX, SS # XXXX, who passed away back in XXXX. Since I am the executor of his estate, the purpose of my follow up with them was to obtain a 1099C for discharged of his alleged debt so that I could file his final tax returns for XXXX. Discover was kind enough to do this and they forwarded a 1099C which I used to file my brothers taxes. ( copy attached ) Unfortunately Discover continues to report on my brothers credit reports that he still owes them on the account even though they clearly have discharged it. My accountants and consumer protect attorneys have advised me that regardless of the issuance of 1099Cs, Discover is still in the position to either attempt to collect or sell off this debt to a third party as long as they are reporting this account to the credit agencies and while this account appears on his credit reports. While I do not think that this a malicious act by Discover nor their intention, I am nevertheless concerned about dealing with this subject in the future as my brothers estate is empty of any money and closed. I mailed and also faxed a letter to Discover on this matter on XX/XX/XXXX ( copy attached ). On XX/XX/XXXX, I followed up with Discover and after an hour of being transferred to half a dozen departments and twice that number of confused representatives, I talked to XXXX, a supervisor in the Deceased Card Services Department, who told me that the company is not listing the debt and is no longer interested pursuing this debt. Nevertheless as of today this account is still being reported to the credit reporting agencies despite what Discover is saying. Their inability to correct this problem is disconcerting to me and so I am turning to the FCRA to assist in getting them to put an end to this matter by ceasing to report this closed and discharged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple addresses that dont belong on my credit report and need to be removed immediately I have reached out to experian concerning this issue and have been ignored please remove all incorrect fraudulent address immediately plz and ty and also names XXXX XXXX  XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX  XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX  XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX Also All names should be deleted from my credit file my name should only show up as XXXX XXXX XXXX all other spellings of my name and records of my name are incorrect and should be deleted immediately
Product: Debt collection

Southwest Credit Systems continue to report an alleged debt that has not been verified. They never sent me a notice for me to dispute and provided evidence that states I am obligated to pay this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumers ( XXXX XXXX and XXXX XXXX ) excised their right under the FDCPA secton 809 requested in writing a letter of Validation of debt to XXXX XXXX XXXX defined as a debt collector under the FDCPA and Person under FCRA. The first letter of validation of debt was sent XX/XX/XXXX to debt collector ( XXXX XXXX XXXX ) requesting the original signed contract the original signed security agreement and requested proof that Persons ( XXXX XXXX XXXX ) is in fact an license XXXX XXXX XXXX XXXX XXXX ( XXXX ) and has the legal right to collect debt. Months has went by and the Person ( XXXX XXXX XXXX ) has still not provided any documents requested in the letter of validation of debt therefore the debt is unverified. According to the FCRA section 609 the consumers XXXX XXXX and XXXX XXXX exercised their rights to request further information about the item on credit report ( which is defined as consumer report under the FCRA ). Further information request was for the original sources of the information reported including but not limited to the Original signed contract and the original signed service agreement. Transunion ( defined as consumer reporting agency under FCRA ) has not done a proper investigation behind the person ( XXXX XXXX XXXX ) claim nor provided the consumers ( XXXX XXXX and XXXX XXXX ) the required documents requested within their rights under the FCRA Section 609. The person ( XXXX XXXX XXXX ) continues to be non compliant to the FCRA by false publication of unverified debt the consumer reporting agency and has caused damage to both Consumers ( XXXX XXXX and XXXX XXXX ) consumer report ( Credit report ). XX/XX/XXXX The consumer ( XXXX XXXX ) spoke to XXXX XXXX an manger at persons ( XXXX XXXX XXXX ). When asked was there any Original signed contract or Original signed security agreement. XXXX XXXX stated that she does not have to provided the information and that she will continue to report the item until the alleged debt has been paid. XXXX XXXX employed at person ( XXXX XXXX XXXX ) has made a threat to continue to report unverifiable debt to the consumers ( XXXX XXXX and XXXX XXXX ) consumer report. The behavior and action of both consumer reporting agency ( Transunion ) and Person ( XXXX XXXX XXXX ) is a violation of the rights of the consumers protected under the FCRA section 609. The alleged item is to removed from both consumers ( XXXX XXXX and XXXX XXXX ) consumer report immediately. The following documents attached are correspondence sent to both consumer reporting agency ( Transunion ) and Person ( XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all hard inquiries off my Equifax credit report, I do not recognize these inquiries and I want them removed, j will continue to file complaints until these are removed, I am disputing these as fraud, please remove all hard inquiries on my report