23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. When I discovered the identity theft I checked my credit reports and found several items that were not authorized by me. I attempted to reach Chexsystems via phone but was unsuccessful so I am filing this complaint in hopes that my dispute will be heard. The following inquiries are showing on my chexsystems  report but they were not authorized by me and are a result of the identity theft I am suffering. Some of the inquiries appeared on multiple days and if I include the financial institution in this dispute it means I wish to dispute all inquiries by that institution. The inquiries that were not authorized by me that I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This is the end of my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

If what they stated is true? If they are reporting then they need to remove the other collection its reporting by one company and this company is trying to collect for them.
Product: Credit card

I have 2 disputes with 2 of my credit cards with Capital One, per regulation Z and ZZ of the fair credit act they chose not to follow and defend me with the requested documents they requested me to provide, I call and they are spinning there wheels which contradicts there own black and white letters. XXXX ) Case # XXXX for {$110.00} XXXXXXXX merchant voided a transaction and does not have a sign slip for the transaction on card XXXX. Case # XXXX for {$120.00} XX/XX/24 card ending XXXX, this transaction was voided by XXXX due to suspect of fraud, and they cancelled the purchase 8 times. But they charged me 1 time. I have asked for this items to be credited or redisputed to the merchant in good faith to me the cardholder. I pay capital one all the time I do not deserve this. Capital One is notorious for not doing the right thing in disputes and ignores important details with offshore agents that do not know how to dispute items in a attempt to wear people down so they do not persue the claims.
Product: Prepaid card

I have a $ XXXX digital AMEX gift card that I received through a work competition. I have tried to use this online a variety of major retailers ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ), and no one will accept it as a form of payment. In searching online, seems to be a very common issue. How am I supposed to use this card if no one accepts it? I called AMEX a few times, speaking to different people, and their only suggestion was to go in person to a store to use it. When I call up my local XXXX XXXX XXXX, they say they only accept physical gift cards and won't be able to process it by just me giving them the numbers. All my transactions were done today XX/XX/year>. Can you please help? 

Thanks, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Transunion on XXXX, and XXXX and I have not received not one reply back about the inaccurate and unverified accounts that is on my credit report. These late payments that are showing are inaccurate, and I have reached out to the creditor and they stated it should not be reporting as a late payment. I have tried to dispute with Transunion over 75 days ago about updating and correcting the accounts due to it be very detrimental to me by defaming my character and not being able to purchase a house for my family. The account is XXXX Account Number : XXXX, and XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that I had an collection on my credit report. Upon looking I noticed that I had fraudulent inquiries and a collection from Radiusglobal opened up in XXXX for XXXXXXXX XXXX XXXX I also have been trying for over a year for transunion to remove XXXX  off of my report. XXXX and XXXX also have accounts that don't belong to me.
Product: Debt collection

Formal Complaint Regarding Equifax 's Failure to Address Disputed XXXX XXXX Account Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax regarding their failure to take appropriate actions in response to multiple disputes I have submitted concerning an XXXX Collection account on my credit report. 

I have submitted several disputes to Equifax regarding the XXXX XXXX account in question, requesting that it be deleted or removed from my credit report. Despite the requirements of the Fair Credit Reporting Act and the information I provided to support my claims, Equifax has not taken any actions to rectify the situation. 
I am seeking the Consumer Financial Protection Bureau 's intervention to ensure that Equifax fulfills its obligations under the Fair Credit Reporting Act. I kindly request an investigation into the handling of my dispute and ask that Equifax take immediate action to rectify the inaccuracies associated with the XXXX XXXX account on my credit report. 

I understand the importance of accurate credit reporting and believe that the unresolved dispute is adversely affecting my creditworthiness. I seek a prompt resolution to this matter and request that Equifax provide me with an update on the status of the dispute resolution. 
Thank you for your attention to this matter, and I appreciate your assistance in resolving this issue.
Product: Checking or savings account

Wells Fargo completely violated my checking and savings account by closing my account without explaining to me in black and white why it was necessary for my accounts to be closed. What Wells Fargo did was accuse me of fraud by stating that one or more transactions were unauthorized on my account, which is absolutely 100 % false. Now, they're telling me l will have to wait almost 30 days for a physical check to be mailed to my home, and I won't have access to my funds. This comes weeks after a XXXX XXXX  for my wife, who is in need of XXXX  XXXX  every day. This is creating an enormous hardship and is un-American in the way these corporations take advantage of the small people. I was dismissed by Wells Fargo here at my local branch in XXXX, Pennsylvania, and they seem not to even care about what I was trying to explain to them. What Wells Fargo is doing is very capricious ; it's unlawful and they should be held accountable. I would not advise anyone to put their money in Wells Fargo bank.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to ongoing errors and violations in the reporting of my SYNCB/Venmo account ending in XXXX. I have been disputing these inaccuracies for over five months with SYNCB/Venmo and the credit reporting agencies, yet no corrective action has been taken. These inaccuracies are severely damaging my credit score and preventing me from purchasing a home for my family. 

Errors and Violations Identified : Impossible and Inaccurate Dates : The Start Date and Last Reported Date are listed as XX/XX/year> and XX/XX/year>, which are future dates and therefore impossible. This violates the requirement for accurate reporting under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ).

Inaccurate Collection Status : The account shows a {$0.00} balance and comments indicate that the account was legally paid in full for less than the full balance and settled. Despite this, the account is still reported as a Collection/Chargeoff, which is inconsistent and misleading. 
Contradictory Payment History : The payment history inaccurately reflects delinquencies, including XXXX, XXXX, and 90 days past due, even though the balance is {$0.00} and the account was settled. This inaccurate reporting is damaging my credit profile. 
Failure to Correct Disputed Information : Despite my multiple disputes over the past five months, SYNCB/Venmo has failed to investigate and correct these inaccuracies within the 30-day timeframe mandated by the FCRA Section 611 ( 15 U.S.C. 1681i ). This constitutes a violation of my right to accurate and fair credit reporting. 
My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ), I have the right to : Have only accurate and verifiable information reported on my credit file. 
Have disputed information investigated and corrected within 30 days. 
Hold furnishers accountable for reporting inaccurate information ( Section 623 ). 
SYNCB/Venmos failure to correct these inaccuracies is a direct violation of my rights and has caused significant harm, preventing me from achieving essential financial goals, such as purchasing a home for my family.
Product: Debt collection

I never lived here I lived in XXXX and someone stole my identity period
Product: Vehicle loan or lease

Ford Motor Co. I am a co-signer for him. He owes for month of XXXX ( {$450.00} ) and now XXXX 's would be due XXXX XXXX. He claims ( Im his mother ) that he entered the wrong numbers of his debit card when he paid online on the XXXX. I now get emails for when he pays. It apparently took 10 days -Ford stated bank wouldnt release. If the bank would have called him or e en Ford at that time, which they didnt he would have corrected. He is not good with a bank account, and the bank knows it as well. I am complaining because Ford called me, didnt leave a msg on XXXX XXXX @ XXXX. I called them back and found out the reason. I relayed to my son, who told me he spoke with them and ( his words ) supposedly paid them. They called again today XXXX XXXX @ XXXX, left no msg. I then blocked the number as I was tired of it. They now sent me a text msg @ XXXX. I believe it's gon na be to the point of excessive later. I am retired military, draw Social security and Ford knows that. I believe I am the one who is being pressured. He is a veteran who's only income now is VA XXXX and Social Security.
Product: Credit reporting or other personal consumer reports

JCPenney and Lowe 's have informed me that my social security number has been used to obtain their store credit cards and that they have been used multiple times. They would not provide me any more information such as the name of the individual using my information. I looked at a screen while they were looking it up and a person with the name " XXXX '' shows up under my social security number. I called Lowe 's and could not get a response and when I spoke to a manager they said they couldn't help me and that I had to work through the credit bureau. When I asked the management at JCPenney to cancel that card under my social security number they would not help either and said I have to work through the credit bureaus. Meanwhile my information is being used and I am disgusted at the lack of easy process to deal with this at these companies.
Product: Mortgage

Was current on Mortgage . Husband lost job and making payments was getting difficult. Company said in order to apply for modification, I had to be behind on payments. Skipped one payment, then applied and was approved for a loan modification. Successfully completed Trial Plan Payments, and at end of the trial period, mortgage company refuses to complete the offered modification. They are now trying to foreclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2021, I retrieved a letter from Comenity Bank and discovered an inquiry that I have no knowledge of ( XXXX  Inquiry date XX/XX/2021 ). 
Because I did not apply for credit with Comenity Bank. 
Please launch an investigation of inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if Comenity Bank is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bill from XXXX XXXXl being reported by PRECISE FINANCIAL GROUP XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CO XXXX On my credit report. The opening date of this balance states XXXX of XXXX -- which is incorrect, since the loan was actually opened in XXXX. I then filed bankruptcy and it was included in the bankruptcy. I have spoken with Precise Financial Group regarding this and they tell me they do n't know what to tell me -- they offer no solutions to this problem. 

1 ) It seems that I have opened a new account in XXXX of XXXX which is inaccurate. I am trying to rebuild my credit and this is hurting it. 

2 ) I filed bankruptcy please report it as such. 

I want this removed from credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth 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 Date Opened : XX/XX/2015 Balance : {$1700.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : Balance : {$42000.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$9800.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit card

On Saturday XX/XX/XXXX, I added an individual to my Apple Card account as a participant/authorized user so that he may purchase a new XXXX for himself. After attempting to make the purchase, Apple declined the transaction immediately citing that the charges were deemed suspicious. I initiated contact with Apple Card Support through Goldman Sachs, and they later transferred me to Apple Cards Fraud Support. The agent through the XXXX XXXX XXXX channel indicated the declines were issued because of the high XXXX amount. I indicated that not only was the person who attempted these someone from my existing XXXX XXXX XXXX but that I was very aware these charges were coming through. 

The agent notified me he would need to call me to verify my account details and then notify his supervisor to remove the account restrictions. Once the agent called to verify as stated he told me that I would need to wait about XXXX minutes before trying again and to refresh the cart so that the system also refreshes. Neither of these options worked because my participants card was declined immediately. I ended up having to place the order myself through my account because it was clear that Apple struggles from proper customer service let alone credit card maintenance. I myself work in the banking industry in risk and compliance, and can succinctly speak here that Apple wasted my time but also engaged in misrepresentative behavior. Their agent provided a resolution that did not work and leads me to believe there was a lack of understanding and inaccuracy in Apples ability to troubleshoot their own technical difficulties.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed that there are unauthorized fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I have provided a copy of a FTC REPORT, XXXX XXXX drivers license, and a copy of social security card. Please use the laws and codes that all credit reporting agencies are bound to follow by law as listed and explained below. I dont take my rights being violated lightly but a serious matter. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX TRANSUNION and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 15 USC 1681i ( 5 ) ( B ) ( ii ) ( ili )
Product: Debt collection

Collection appeared on my report out of no where for the first time, with no original date of debt from original creditor, after investigating myself, I found out this is an debt from XX/XX/XXXX which is almost XXXX years ago which make it illegal to collect or send to a collection agency. I had no clue about this debt until XX/XX/XXXX, I also had medicaid during the time this was even a factor.. XX/XX/XXXX the state of XXXX law has changed to stop reporting or collecting medical debts that are 3 years old this is why i feel as if this medical debt magically appeared out of no where! I will like a cease and desist & this to be removed from my credit as it exhibits me from progressing in personal affair.. I would also like for it to be no longer reporting especially when law goes into effect XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB, CFPB is supposed to protect my consumer report from unfair, deceptive, or abusive practices.


15 U.S. Code 1692c - Communication in connection with debt collection ( a ), ( b ), ( c ). According to this law I haven't giving any such consent for any 3rd p
arty companies to falsify my consumer report by acting as the original creditor and making false claims and statements including trying to collect a sum not owed to them. There were mistakes made that lead to falsifying my payments as late and accidentally turn over said accounts to collections when the accounts were paid on time and paid as agreed. The information on my consumer and credit report needs to reflect my current up-to-date payments and on time payments. 
I'm entrusting CFPB to properly rectify the situation but also requesting that my information is changed and updated to paid on time and as agreed and therefore there are no collections on my consumer report. Please ensure that these unfair, negative late payments show as PAID ON TIME/PAID AS AGREED. This needs to be done ASAP these 3 unfair, deceptive, and or abusive practices is being done by the XXXX major credit bureaus allowing ( XXXX ) XXXXXXXX XXXX XXXX XXXX. {$1100.00} ( XXXX ) XXXX XXXX XXXX. {$580.00} ( XXXX ) XXXX XXXX XXXX {$1700.00}. 

Delete ACCOUNTS : ( XXXX ) XXXX XXXXXXXX XXXX XXXX {$1100.00} ( XXXX ) XXXX XXXX XXXX. {$580.00} ( XXXX ) XXXX XXXX XXXX  {$1700.00}. I never open up any of these 3 accounts nor did I consent of these three companies to use any of my information this act is illegal according to Consumer financial protection bureau laws and therefore needs to be DELETED PERMANENTLY and or UPDATED to PAID ON TIME and PAID AS AGREED PLEASE AND THANK YOU.
Product: Checking or savings account

On XXXX XXXX, XXXX received notification from XXXX XXXX that an amount of XXXX XXXX Direct Debit failed, insufficient funds. The checking account had XXXX XXXX  balance. I called customer service and both the service rep and supervisor said that the XXXXXXXX XXXX ( drawn from another XXXX XXXX, no less ) deposited on XXXX XXXX, XXXX did not count as part of the balance until XXXX XXXX, XXXX. Based on the balance on the activity journal, there was no indication that ay funds were unavailable to use and in fact withdrawals where being debited against the XXXX XXXX running balance in the account.