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

I have been trying to start a new company for my XXXX and I recently found several addresses on my file that do not belong to me! My name is XXXX XXXX my DOB is XX/XX/XXXX my Social Security is XXXXMy current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have nothing to do with the addresses listed below please delete them asap they are fraudulent and inaccurate : XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I have inquiries I did not authorize on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Account Number : XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax
Product: Credit reporting

THERE ARE INQUIRIES DONE ON MY CREDIT THAT I DID NOT AUTHORIZE. WHEN CONTACTED CREDIT BUREAU BY PHONE THEY STATE THAT THE INQUIRIES ARE VALID AND THEY DONT HAVE TO PROVIDE PROOF FOR THE INQUIRIES. I HAVE NOT DONE ANY INQUIRIES ON MY CREDIT IN XXXX OR XXXX. THESE INQUIRIES NEED TO BE REMOVED FROM MY CREDIT ASAP. I SHOULD NOT HAVE TO WAIT 2 YEARS FOR INQUIRIES TO BE REMOVED THAT I DID NOT AUTHORIZE NOR DO.
Product: Credit card or prepaid card

The credit card was with Wal-Mart when it was switched to Capital One. I had auto-payment with Wal-Mart but the auto-payment was discontinued when it was switched to Captial One and I missed two payments and accrued late fees.
Product: Checking or savings account

XXXX : XXXX was looking for a small loan in the amount of {$2500.00} to help my children and I until I receive my taxes I entered my information such as name, dob , address, and loan amount in a few lending websites which of course directed me to third party sites. A few numbers started calling me about being approved and texting my number. One particular company who disclosed them selves as XXXX XXXX located in XXXX, IL continuously called and texted my phone XX/XX/XXXX from XXXX stated the loan amount would be $ 2000 monthly payments would be {$100.00} initially did not talk to them anymore until XXXX XXXX kept calling me on XX/XX/XXXX. I text the number back because I had multiple missed calls from them that number was from XXXX XXXX XXXX stating he was reaching me about my requested loan amount I told him I was at work and would call him back. After picking up my son from daycare I proceeded to call XXXX XXXX we discussed the loan options {$2000.00} or {$6000.00} he stated both repayment plans would be {$100.00} taking out the XXXX of each month had me verify my info and gave me a loan number XXXX, his name and contact info he said his account manager would contact me and please dont miss the phone call. The account manager called from XXXX as XXXX he asked me to verify my info and read out my loan number explained to me that my payments would be {$100.00} a month coming out on the $ XXXX of each month he then sent my a website to put in my bank account information from there he kept saying I have to XXXX the tic myself to make sure it was not fraud he would deposit a check in my account and I would return the funds so they could know it was my and Im not a scammer, he had me do this several times from cash app, but on and gift card as I grew more suspicious I asked him he stated they were private company and if anything happen they would pay all fraud charges to my bank. It was too late on my end I contacted my bank USAA telling them I have been possibly a victim bank fraud, but the decision was already made to close my account I have been a member of USSA bank account for many years and have never had anything like this happen to me I asked what could actually protect me there wasnt much solution. This company in fact called me back this past Tuesday XX/XX/XXXX for what reason I do not know the damage has been I have kids to feed and this has left my with NOTHING, behind on bills and etc
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX : {$8800.00} XXXX XXXX XXXX XXXX XXXX : {$9300.00} XXXX XXXX XXXX XXXX XXXX : {$3300.00} XXXX XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX XXXX XXXX : {$5900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX XXXX XXXX : {$4900.00} XXXX XXXX XXXX XXXX XXXX : {$7600.00} XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX XXXX XXXX XXXX XXXX : {$7200.00} XXXX XXXX XXXX XXXX XXXX : {$3800.00} XXXX XXXX XXXX XXXX XXXX : {$8600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3300.00}
Product: Checking or savings account

Account was closed XX/XX/2021 with no notice or reasoning. I was asked To submit ID and a bank statement from another account to which I complied. I have called several times and and always am told the research department is investigating. My tax return showed it was deposited to the account on XX/XX/XXXX. The last representative I spoke to said my account is now closed and I would be mailed a check for {$100.00} ( my balance before my stimulus and tax returns were deposited ) He stated my account was closed on XX/XX/XXXX so they do not have my {$1700.00} tax return. Its been almost a month and I have yet to receive any check and am not able to update my tax return. I also filed complaint with XXXX  and theres dozens of complaints all with the same story. I want to find out what I can do to recover my stolen funds regardless of the fact they closed my account with no reason I need to know how to get my money from these crooks and they need to be shut down immediately. Also have to contact IRS and determine if theres anyway to recover my funds they stole from that. Being recently unemployed and desperate need of the money they stole from myself and many others is imperative. XXXX XXXX  is the name of the so called bank.
Product: Money transfer, virtual currency, or money service

A scammer admitted himself to be a landlord of a house to rent and has scammed me in 2 transactions, each totaling {$500.00}. He then blocked me on XXXX ( where we had the conversation initially ) and ran away. Unfortunately, he never showed up and took the money away from me. With an existing contract, email, and XXXX information, XXXX ( the method I used to transfer the money ) should be able to make a cancellation/refund. At the very least, the receiving bank of the funds should be able to investigate the scam and refund the money to my bank account with Bank of America.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX XXXX.XXXX. ( PST ) I received an email from XXXX titled " Congrats! XXXX is activated ''. This email was quickly followed by 3 additional emails from the same address all within the hours of XXXX XXXX XXXX the same day informing me of additional new Chime account activity, including a new XXXX XXXX application and a new Chime VISA debit card account. Upon rising in the morning on XXXX XXXX and checking my email, I quickly looked up Chime in a XXXX search for " Chime customer support '' - ( I did not click on any links contained in any of the emails received ). Chime 's customer support email is XXXX. The ONLY way to contact Chime is via this email address - their telephone support number ( XXXX ) XXXX is wholly automated and although I attempted to reach a fraud agent by calling the Chime phone support number, I was unsuccessful. I later learned it is not possible to speak to a Chime fraud representative until they contact YOU. 

So, I quickly composed and sent a series of emails notifying Chime of the fraudulent account opened with my information, asking them to close the illegal account immediately and to contact me ASAP. The first of these emails was sent at XXXX XXXX PST on XX/XX/XXXX. 

Today, XXXX XXXX at XXXX XXXX.XXXX. ( PST ) I received another email from XXXX notifying me that " Your Chime VISA Debit Card '' was on it's way in the mail, and I could start to use my new credit account ASAP via the Chime App. I immediately sent a second and third email requesting immediate action to close the fraudulent VISA account to XXXX. 

I have not heard from Chime, either via email or phone ( I included my cell number with my email correspondence ). As a consequence, I have had to take the precautionary steps to close all of my bank accounts and transfer balances to new accounts, which has taken much time and effort.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with XXXX, Equifax & XXXX the inaccurate information reported on my credit report which was a chapter XXXX BK reported by XXXX XXXX XXXX XXXX XXXX. 
I did not receive the response back from any of the agencies for my dispute within the time frame allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA information on my credit report should be accurate. The names and addresses listed below should be removed from my credit report. enclosed will be my current Driver License with my name and address that should be shown on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I have found an account called XXXX under my name that is fraudulent. The company XXXX, notified me about this fraudulent account and confirmed it in an email, which I have attached for your reference. Additionally, they have verbally informed me that they have requested the credit bureaus to remove the late payment associated with this fraudulent account. 

XXXX XXXX XXXX  Reported : XX/XX/2024 I requested numerous times from Experian to correct it, enclosed are the documents sent. Despite these actions, the negative mark remains on my report, causing major damage to my credit. I urgently request that you take immediate steps to ensure that the credit bureaus either remove the late payment or remove the full account from my credit report. Your prompt attention to this matter is greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made two separate complaints to XXXX  and Equifax about information being reported twice from the XXXX XXXX  since early XXXX closing date. It shows that I HAVE TWO MORTGAGES with XXXX, which absolutely incorrect. Im receiving phone calls and correspondence about one mortgage loan being past due and contacted XXXX XXXX  and nothing has been resolved? The reported balances is {$280000.00} and the other {$270000.00}, which makes it appear on my credit report as over extended credit. Please let me know how to correct this error on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been unauthorized sharing of my personal information with unauthorized third-party agencies such as TransUnion, XXXX, XXXX and more. I never authorized sharing my transaction history. This is a direct violation of my rights according to the consumer law that Congress passed to protect me. In section 1681a ( exclusions ), it states reports containing information solely as to transactions or experiences between the consumer and the person making the report shall not be included on the consumer report. My privacy is huge and it has been violated.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNTS : XXXX XXXX I looked at my credit report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX5 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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: Credit reporting or other personal consumer reports

I have previously filed a complaint regarding the negative accounts on my credit report. I have long requested for these to be removed by the three bureaus, but they have yet to take any action on this matter. These negative accounts are severely affecting me, so I am once again requesting their removal. This time, if the three bureaus still do not take action, I will file a lawsuit against them and seek compensation for the damages they have caused me. ''
Product: Checking or savings account

ON THE XXXX OF XXXX XXXX ADDED SOMEONE TO MY ACCOUNT AND DEPOSITED THEIR STIMULUS CHECK INTO THE ACCOUNT AFTER 3 DAYS THE FUNDS WHERE AVAILABLE SO I WIRHDREW HER XXXX. AND GAVE TO HER. THEN ON XX/XX/XXXX DISCOVER BANK WITHDREW XXXX OUT OF MY ACCOUNT AND SAID THE STIMULUS CHECK HAD BEEN CASHED SOMEWHERE. I HAVE ASKED THE BANK WHY THEY CLEAREDTHE CHECK AT ALL AND WHY AFTER 15 DAYS DID ALL THIS HAPPEN. ANS THEY WONT TELL ME WHY THEY CLEARED THE CHECK THEN 15 DAYS LATER WITHDREW IT OUT AND PUT ME IN THE NEGATIVE
Product: Debt collection

This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX RE : Last 4 SSN : XXXX To Whom It May Concern, This letter is a follow-up to my original letter dated ( XX/XX/XXXX ) regarding the accuracy of your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) I did not authorize anyone employed by these companies to inquire and view my credit report. This violates the Fair Credit Reporting Act Section 1681 b ( c ) and is a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting. I am maintaining a careful record of my communications with you to file a complaint with the Attorney General 's office and CFPB, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX ; XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this letter, may result in a small claims action against your company, seeking {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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.
Product: Debt collection

I checked my credit to see an account from the receivables for XXXX. Lost my job and became unemployed. Fell behind on payments and account went to collections.
Product: Credit card or prepaid card

Applied for American Express XXXX XXXX card on/around XX/XX/2018. 

Moved to new address. Never received the first card. A new card was sent, that was also never received ( card was never activated, nor used, so no fraud ). 

On XX/XX/XXXX, received mail forward from old address with a bill for {$95.00} for a card I never received nor activated, nor used. 

American Express is not willing to waive a fee, instead they offered me another credit card. I have told them to cancel the card. Still, they noted they billed me for this fee ( to use a card I never received, activated or used ) and said because they billed me over 30 days ago, I am liable. 

I want to know how I am liable if they never fulfilled their end of the contract. Once the first card was not received and a new card was sent, why was this not sent certified mail as there may have been a high likelihood of fraud.
Product: Vehicle loan or lease

Explain why why you denied, me, XXXX XXXX, applicant, pursuant to 15 U.S. Code 1691 ( 3 ) - Scope of prohibition.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 never received 1099 for charge off accounts with Wells Fargo or XXXX  in 2018. 
From my understanding this is fraud. 
I would like for these to come of credit
Product: Credit card or prepaid card

I was charged {$380.00} by a hotel around XX/XX/2019. I did not authorize the charge and wasnt even at that hotel on the XXXX. I talked to manager at location. I sent a letter and an email asking them to review their statement and correct the error. There was no response to my effort. I filed a dispute short time after. It is now at 90 days since filed amd there has been no settlement or judgement made. It is nearly impossible to contact the bank DIRECT EXPRESS and when I do get them its put on hold and switched to differemt department
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately, i had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date XX/XX/2023, I'm now requesting you investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action.