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

Despite the multiple dispute letters and CFPB Complaints that I have been submiting to the Credit reporting Agencies, it appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. My information has been exposed in the XXXX data breach. The following inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Once again, please remove the following items completely from my Credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Also, I previously requested the Credit Reporting Agencies to send me copies of proof of verification and yet they have failed to do so. Under the Fair Credit Reporting Act section 605b, I am going to request to the Credit Bureaus to please remove the disputed items completely from my Credit File.
Product: Credit reporting or other personal consumer reports

SECOND TIME REQUESTING A COPY OF MY CONSUMING REPORT TO NO AVAIL
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX they have violated my rights. 

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 an 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.
Product: Checking or savings account

Citibank is lying saying that theres no funds owed to me from an account that they closed but I have all my statements and proof that money was transferred from my account ending in XXXX to XXXX on XX/XX/XXXX for the total of {$270.00}. Additionally at this time I had no access to funds so I transferred money to my XXXX account that was completed but later reversed leaving me account negative since I already spent some of the money. All this reflects on my statements from citi bank and XXXX but yet they continue to say no money is owed to me. I just want my money and interest since my check was supposed to be sent XXXX and its now XX/XX/XXXX. What they are doing seems illegal and reading online reviews they are stealing from customers left and right. The customer service agents are outsourced and its impossible to talk to someone who can actually resolve the issue its like playing a game of telephone and just waiting around. They are playing with peoples lives and its not ok!
Product: Credit reporting or other personal consumer reports

My consumer report has inaccurate information that was not authorized by me to be reported. This is an infringement of my right to privacy as I never authorized this information to be on my report.
Product: Checking or savings account

In XXXX of 2019 I opened a checking and savings account at Wells Fargo Bank with an opening deposit of a little over {$5000.00}. In XXXX of 2019, when trying to use my debit card it was declined. I checked my account and found multiple suspicious transactions that had posted for that week. I immediately contacted Wells Fargo and reported the fraudulent activity. At the instruction of the Wells Fargo XXXX  team, I went to the Wells Fargo branch where I had opened the account. I sat with my banker and went over all recent transactions that had posted to my account and indicated which ones were not made by me. That information was then submitted to the Wells Fargo XXXX XXXX. Approximately XXXX week later, I received a phone call from the Wells Fargo XXXX XXXX. The agent was quite rude and condescending and informed me that Wells Fargo would not refund the stolen money to me because they believed that it was myself or someone who knew me that had made the transactions. I informed them that I had not made those transactions, nor had I authorized anyone to have access to my account. I even spoke with the agent 's supervisor and was again told that my stolen funds would not be returned. When I asked how they had reached the decision they made, they informed me that XXXX or more of the transactions listed as fraudulent had been made using the chip-enabled debit card assigned to my account. I know this information to be false because I am a XXXX XXXX and was working in Maryland at the time. I opened the account at a branch in Maryland and was issued a temporary debit card ( which did not have a chip in it ). The chip-enabled debit card was mailed to my home in North Carolina XXXX XXXX was still in the sealed envelope it had arrived in. When i confronted the agent and supervisor with this information, they abruptly ended the call. They also did not close the compromised accounts immediately. By leaving the accounts opened, it also compromised my XXXX  XXXX XXXX XXXX account that was linked to the Wells Fargo account. I have made multiple attempts to resolve this issue since that time but have been unable to get anyone from Wells Fargo to help recover my money. As a result of their actions my XXXX  XXXX XXXX accounts were closed and listed as " checking account XXXX ''. Wells Fargo finally closed my checking account with them after it became overdrawn. It is also now listed as closed for " checking account fraud ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have tried many times to contact CHIME/ STRIDE BANK services regarding a charged off debt that is on my credit report. 

The company REFUSES payment of any kind there for gives me no chance or relief to mitigate and fix the errors on my credit report. They state there is no credit department and since the account is closed that they have no access to do anything with account even though the company has not sold the debt. They are actively keeping this closed/ charged off account on my report and says they cant take my payment to settle. This is against FCRA laws. 

This charge off if {$14.00} and the company states there is no way to pay this. THIS IS NOT LEGAL. 

My credit continues to be affected because CHIME/STRIDE Bank will not allow me to pay my debts!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Across the XXXX credit bureaus they have been neglectfully holding information against me all the while not reporting back to me as it has been more than XXXX days since I reached out regarding my credit report about accounts due to identity theft. My identity was compromised a few years ago as I was left defenseless to end the attacks and figure out who was opening accounts in my name, making unauthorized purchases and by the time I found help to lock my reports it was already too late. I completed the information required such as an XXXX complaint and so forth as well as added fraud alerts however XXXX, and XXXX along with experian have neglected to investigate my concerns as you will see on the attached documentation breaking XXXX  rules and regulations all the while keeping me in the dark. There are dozens of fraudulent accounts across XXXX bureaus stuck on my report in which I am reaching out to the cfpb to help me with this as these bureaus are purposely leaving fraudulent information and inaccurate information on my report. They also said I failed to provide information however, I have sent in all the information months ago as you can see on the documentation I will have uploaded providing everything I sent to them. This needs to stop after this my last resort is pursuing legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent correspondence to One Main Financial ( aka Springleaf ) via certified mail which they received on XX/XX/XXXX @ XXXX. In my correspondence I requested verification of a debt in which they claim was charged off in my name in the amount of {$7000.00}. I have not received original documentation verifying this debt. Additionally, upon further investigation, I retained copies of my credit report and as of XX/XX/XXXX One Main Financial ( aka Springleaf ) had not updated my dispute on my credit report within the time required by federal law under section FCRA, section 623 ( a ) ( 3 ) and therefore have violated my rights. A second letter was sent certified mail on XX/XX/XXXX and received on XX/XX/XXXX @ XXXX by One Main Financial ( aka Springleaf ) addressing my concerns with the validity of said debt and inaccuracies being reported. I received a response on XX/XX/XXXX ( 70 days after my initial letter and 36 days after my second letter ) that it would take an additional 30 to update the information. In this same letter, they also failed to provide me with the original documents I had requested to verify the debt in my original letter dated back in XX/XX/XXXX. The last and third certified letter I sent was on XX/XX/XXXX and was received by One Main Financial ( aka Springleaf ) on XX/XX/XXXX @ XXXX. I requested the same information as the second letter and requested the inaccuracy on my report be deleted due to non compliance of FCRA, section 623 ( a ) ( 3 ). It is now XX/XX/XXXX and to date I 've no resolution, my rights have been violated under the FCRA, section 623 ( a ) ( 3 ), and One Main Financial ( aka Springleaf ) continues to report inaccurate information to all XXXX and XXXX. <P/><P/>In addition to the complaint above, personal and sensitive information was shared with someone else claiming to be me on XX/XX/XXXX at XXXX XXXX XXXX eastern time. I was told by the Executive Office of Customer Care they were of no fault of this even though there respresentative, XXXX XXXX was employed and calling on their behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer my rights has been violated multiple times by these credit bureaus and corporations. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Failure to investigate these items within 30 days gives a reason to immediately remove the items I pointed out in my letters that I sent over 30 days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. Every other account should be followed by instructions. I also stated each law you violated on my consumer report inside my letters also. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the Equifax data breach.
Product: Debt collection

I never received information regarding the debt that was owed by the apartment complex they reported I owed money to. There was never a letter sent to notify me of the debt that was owed from the company I received the debt from nor did they provide proof of the balance that I owed. I received calls that were very unprofessional. I paid off the debt because of the harassment I received but I do n't think the amount I was charged was valid being they did n't provide any proof of the debt I owed. I was pressured into paying the debt. Now the debt is showing up negatively on my credit reports. They should n't be on my credit report.
Product: Credit card or prepaid card

On XX/XX/2023 I was talking to a representative named XXXX Concerning a payment due For XX/XX/2023 Because my credits were being with held! I stated to him that I received no Notifications That I was due on XX/XX/XXXX Because the system Never indicated that I was past due or had a bill due for XXXX the XXXX because I never received any notification Prior by email or by automated system or website That I was due on XXXX the XXXX as I stated to him! I also told him that if I had known that I had to due date that I would have made the payment Which I received no notification Because the system told me that I didn't have any payments due! So he goes on to say that we sent an email So I went to check and I received no statements for XXXX the XXXX Is stating that I was due The only statement that I received was a due date for XXXX the XXXX XXXX! So he checks again and tells me that the email bounced and it never went through So I told him that I needed to be complicated for the capital one 's error And he States to me That there's nothing he can do! I feel that capital one needs to be held accountable For their errors And not blame the customer because they have made a mistake.
Product: Debt collection

called my office phone left voice mail XXXX/XXXX/15. 
I asked them to send letter in the mail not call my office. 
They are trying to threaten they will take legal action on a debtthat the statute of limitations has expired 3 years ago. 
They said we do n't care about the law we will collect from youand sue you. I would like to let them know they can not sue mefor the debt bylaw or report it to XXXX, XXXX, XXXX. 
I know my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 13 accounts on my credit report that do not belong to me I am getting harassed by collections and other companies for these accounts. I have opened a dispute with all three bureaus as well as consulted the furnishers that these accounts are in no way mine I need them removed asap. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CARD Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I was notified of a " late payment '' on my American Airlines Barclays MasterCard. This card is typically a dormant card and has had XXXX to little use. The card had a {$12.00} Equifax charge which I disputed, then tried to pay online in XXXX, which then turned into a late payment in XXXX and accrued fees that I was not aware of due to their system not working for my payment. I tried to pay the account in full in mid XXXX but received multiple error messages on their website while making the payment. In early XXXX XXXX then paid again for the total amount due including bogus late fees and monthly service fees. In XXXX I spoke to a XXXX who stated they would remove all late fees and the reporting of Late Payment to the credit companies due to error. 

In XXXX or XXXX I checked my report again and the late payment was still there. I disputed with the credit bureaus and got a letter from the company stating their reporting was accurate. Even though their system did not work when I made payment and called several times to make arrangements. 

I 'm trying to get a mortgage right now, and this has lowered my score by XXXX points on two of the reports that have the late fee. I 'm at XXXX on XXXX and XXXX on the XXXX others, which disqualifies me from the mortgage for me and my family. XXXX all over {$12.00} in dispute ) This is truly unfair treatment as I have excellent credit otherwise and ca n't believe I 'm being disqualified on my new home over an item I thought I had cleared up. Please help me resolve this and get it off my report so me and my family can move into a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Complaint XXXX Date : XX/XX/XXXX Experian has on hard inquiries showing that I did not consent on auto loans nor did I approve. I also did not give consent to send my credit or approve as many auto loans that are showing by Experian. Experian has not provided no proof to why or how. It's fraud by Experian with no proof or no document to justify there findings. Experian has committed fraud with nothing to support there reply. Experian has nothing documented to provide me just words with no support for the Inquiries that are not supported. Nor can they prove I applied for that many auto loans. Experian has promotional things I did not consent for after opt out in XX/XX/XXXX.

I still see promotional things after the opt out.

The hard inquiries need to be proved by Experian and stop saying I applied for credit with no proof to show with out documentation. This was fraud on Experian. If the companies showing Experian needs to provide the ones showing my consent by my signature.
Product: Credit reporting or other personal consumer reports

I am writing to EQUIFAX follow up on a previous complaint regarding fraudulent and unauthorized hard inquiries that continue to appear on my credit report. Despite my prior communication, it seems that no action has been taken to address this alarming issue. These unauthorized inquiries remain unresolved, causing significant harm to my credit reputation and ongoing distress. 

As detailed in my Federal Trade Commission ( FTC ) Identity Theft Report, reference number XXXX, I have never authorized the companies responsible for these hard inquiries to access my credit report. These inquiries were made without my consent or knowledge, constituting a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The FCRA requires credit reporting agencies to ensure that all information included in a consumers credit report is accurate and authorized. EQUIFAXs failure to remove these fraudulent inquiries after being notified of their unauthorized nature violates its legal obligations under the FCRA, including the duty to investigate disputes and verify the accuracy of reported information. 

I respectfully request that EQUIFAX take immediate action by conducting a thorough investigation into the unauthorized hard inquiries identified in my credit file. These inquiries must be promptly removed, as they lack proper authorization. Furthermore, I ask that you provide written confirmation of your findings and detail the corrective actions taken to ensure compliance with the FCRA. 

Please treat this matter with the urgency it deserves. If EQUIFAX fails to address these inaccuracies within the legally mandated timeframe, I may be forced to escalate the matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal remedies to protect my rights under federal law. 

Thank you for your attention to this serious issue. I trust that EQUIFAX will fulfill its obligations under the FCRA and take the necessary steps to resolve this matter promptly.