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

MY CREDIT CARD APPLICATION WAS DISAPPROVED OF TOO MANY INQUIRIES. 

THE LAST XXXX INQUIRIES WERE ALL FOR THE SAME REASON TO THE SAME PLACE. 

XXXX XXXX, XX/XX/2022, XXXX XXXX, XX/XX/2022, XX/XX/2022, XXXX XXXX, AND XX/XX/2022 ARE ALL FROM XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Ok XX/XX/XXXX and XX/XX/XXXX of 2023. I had 5 credit inquiries that I did not do myself. Someone stole my information and opened these cards.
Product: Credit card or prepaid card

1 year ago ( XXXX ), I Purchased furniture with the Synchrony line of credit which came with a promotional 1 year interest free. Never once was I informed of anything different. In fact the sales person told me not to rush to pay it off because it would better my credit. I have had to call them many time to rectify my bill to make sure I stayed current and never been told anything about the promotion being different terms besides interest Free for the first year. So on XXXX I received a bill that had gone up {$390.00} for a charge of interest that was for the 1st year. I dont have a problem with paying my debt or my interest that I would accumulate from the point after the promotion ends. I understand that if you offer interest free for a period of time that period should have no interest and that any new interest encounter on the balance should happen retroactive from that day forward. I dont understand how Synchrony can add the same interest that was granted free with a promotion back as if the promotion never existed. This means the interest was never free. If I knew that this was the case I would have made sure this was paid off. I have dealt with other companies like this ( progressive leasing ) and I have always made sure the I paid in full before the additional teams would be added after 90days. I also want to add that I have never used the card not even when I had available credit. I just dont see how a person who doesnt use a card go from XXXX {$790.00} balance to {$1100.00} XXXX with no usage. I have attached the XXXX prove and also my XXXX amount which still shows good standing because I pay my bills. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i wrote a dispute letter to investigate inaacurate info on my credit report and i haven't recieved a response
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXX XX/XX/XXXX- This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX  XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. XXXXm seeking Litigation. Please delete at once. 

XXXX XXXX  XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXXXXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXX XXXX- This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXX XXXX- This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXX XXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXX XXXX XXXX, XXXX, and Equifax 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX  and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the 2nd unsuccessful attempts to remove fraudulent items from my account. Despite numerous reports and requests for assistance, the resolution process has been ineffective, and the fraudulent charges persist, causing significant distress and inconvenience. 

I discovered unauthorized and fraudulent transactions on my account, prompting me to contact your institution immediately to report the fraudulent activities. Since then, I have diligently followed the necessary procedures for disputing unauthorized charges, providing detailed information, and submitting supporting evidence. 

Regrettably, my efforts to rectify this situation have been met with continuous setbacks, leading me to question the efficiency and effectiveness of the resolution process. I wish to bring the following issues to your attention : Inadequate Investigation : Despite multiple reports and the provision of supporting documentation, it appears that the investigation into these fraudulent transactions has not yielded the desired results. The lack of progress is concerning, and I am left with unresolved issues on my account. 

Communication Breakdowns : Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the investigation and the actions being taken would have provided reassurance during this challenging period.

Continued Unauthorized Charges : To my dismay, the fraudulent items persist on my account, indicating a failure to adequately address the issue and protect my account from further unauthorized activities.

I understand that addressing fraud cases is a complex and challenging task, but as a concerned customer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly.

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my account. Additionally, I seek clear assurances and a detailed plan outlining how your institution intends to prevent the recurrence of such incidents in the future.

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assisstance to remove these fraud items in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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've been receiving several calls per day ( see attached screenshots ) from Sequium Asset Solutions , LLC ( http : //www.sequium.com/ ) who are using a telephone number spoofing service to appear that they are calling from my area code ( the area code for my phone is XXXX, which is the XXXX area of XXXX XXXX. They are based out of XXXX, and even admitted to this while I was in communication with them. The last individual I spoke to from their call center, likely outsourced to XXXX, had a very thick XXXX accent and claimed his name was " XXXX XXXX ''. They do NOT have prior permission to call my personal phone number, nor have they ever received permission to call my personal phone number. 

While I am from XXXXXXXX XXXX, I currently live in XXXX and have been living here for several years. My current number is a rather new number and I have no contacts ( including family ) from the XXXX area nor anyone from that area who has my number. As you can see from the screenshot provided, the spoofing algorithm from whatever likely illegal service they use for this sort of calling is rather lazy and there is little variation in the spoofed numbers they call from. 

You may contact me for more info.
Product: Credit card or prepaid card

I lost my card while on vacation around XXXX XX/XX/16 and purchases totalling {$1800.00} were made fraudulently for about a week straight. I did not realize this until the next bill came. I called USAA around XX/XX/XXXX to report this fraud. My account was closed, the card was reissued, and credits were issued for the fraudulent purchases. I then paid the remaining balance for my purchases so the balance was now XXXX. No contact by either phone or mail was made since then. I noticed around XX/XX/XXXX that the credits issued for the fraudulent purchases were put back on my account. I called to inquire and was told that there is no way for me to speak to the fraud department directly and they would contact me. 2 days later I recieved a fraud affidavit in the mail which I immediately filed out, certified mail and faxed. I did call to confirm receipt but other than that, they have not contacted me in anyway, but still are expecting me to pay the bill which is due in XXXX. I was under the impression that it is illegal for them to require me to pay this until the investigation is completed. I also do not know if an investigation was even started since I can not get any answers from Usaa. I have called 4 times since then, spending at least an hour each call to get a resolution but have still received nothing.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau Representative, I am writing you today to formally notify you that I am a victim of identity theft. After a detailed review of my credit report, I discovered several fraudulent accounts opened in my name. I am requesting your assistance in investigating and resolving these issues. 
Specifically, I would like to address the following accounts : 1. 
**Account Name** : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Account Balance** : {$1500.00} I did not open these accounts, and I am not responsible for any charges associated with them. II have in fact contacted the FTC as well as the CFPB.I request that you take immediate action to investigate these matters and remove these accounts from my credit report. 
Additionally, please provide me with documentation related to each ac
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I received information from my Credit Karma account stating a preapproval for a XXXX  XXXX credit card that provided a Credit Karma guarantee which provides {$50.00} payment from Credit Karma if denied the card. There are provisions and exclusions, but I am not disqualified based on the provisions and exclusions. 

Credit Karma stated an email would be sent will be sent Explaining steps acclaiming the {$50.00}. I never received an email and upon researching today, my XXXX will pull up to messages via email from Credit Karma but they do not open and disappear immediately. There is no further information within the Credit Karma website or app to find out additional information. 

I was denied the card, but Im now not being provided resources or information to claim the {$50.00} guarantee as quoted by Credit Karma.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this point I feel like I've been getting taken advantage of by the credit bureaus. On XX/XX/XXXX I noticed additional addresses on my credit report so I sent in a letter requesting all inaccurate names and addresses be removed. Now four whole months later the names and addresses are still there. Now fast forward it to XX/XX/XXXX, I sent a letter regarding more inaccurate and unknown things on my credit report but to this day over 60 days later I haven't seen a response. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They did not do this so I had to send in a complaint to CFPB and it was only after that complaint that I even got a response at all, but they responded with some type of response saying they don't think it was me and they need a copy of my drivers license. This is ridiculous because as I previously stated I sent a letter in XXXX asking for them to remove all names and addresses that weren't included on my drivers license, so clearly they've had my drivers license ( and I sent a copy of my social security card also ) since XXXX. I demand that these accounts be deleted immediately or I will have to file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach so my information was probably put in the wrong hands. Hopefully it won't take another 120 days that they'll take advantage of me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX  XXXX, has 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 a account without my written instructions
Product: Checking or savings account

Wells fargo bank cashed a check that was falsely endorsed by someone who isnt me. My stimulus check was sent to me, i never received it then it was cashed by someone in XX/XX/2021. The check is for {$2800.00} .Its absurd that a check would be falsely cashed and wells fargo wont catch on to it. Im beyond upset.
Product: Credit card or prepaid card

I never open this XXXX CHASE JPMORGAN CHASE BANK Card. It says I opened it on XX/XX/2012 but I never did. I disputed it but it still showing in my credit.
Product: Checking or savings account

I was a victim of fraud on XX/XX/XXXX, I had my information stolen from me off my XXXX XXXX when I was at XXXX XXXX XXXX XXXX XXXX on XXXX. When I checked my bank account on XX/XX/XXXX, I saw that there fraudulent charges on my chase debit card and credit card. I called chase immediately and the charges were reversed on both cards, but a few weeks after chase determined that the fraud charges on my debit card were not fraud through their own independent investigation. I provided proof that I was at work on XX/XX/XXXX and there was no way that was me. They still stated this was not enough. They suggested I go try to get a warrant to get footage at the stores to see who it was making the purchases if it wasn't me. 

I have called multiple times to try to appeal my case and ask what else I can do. They just kept telling me once a claim is made and the investigation is final " it is impossible '' to reopen the claim. 

I am upset at how they have handled this and how much time I have spent trying to rectify this. All I keep getting told is that " there is no way they can duplicate a chip card '', but they refunded all my credit card fraud charges which is also a chip card, but got denied my debit card. I also get told that because the fraud happened in the city I lived in, it also was a factor in why they did not reverse the charges. 

The reference number for the claim is XXXX at Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX,

has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

Experian continues to report an inaccurate account status on a closed XXXX XXXX revolving account ( XXXX ). As of XXXX/XXXX/XXXX this debt was cancelled by XXXX and reported to the IRS as income. The account status that Experian is reporting does not reflect that the account is closed and paid in full without a remaining balance. I have been disputing this inaccurate information since XXXX/XXXX/XXXX and Experian has failed to update with the correct information or delete the account since it 's closed and outdated.
Product: Credit reporting or other personal consumer reports

Ive been frustrated by the presence of inquiries from your company on my credit report that I didnt approve.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/year> I tied to pay a bill and Doxo is the processing company. It was a bill in my son 's name and he is on vacation. There website asked for an authorization code but I could not access my son 's email to get the code so I stopped and used the telephone service as it didn't need an authorization code. I woke up this morning to a charge to my bank account of XXXX. This overdrew my account. I called the company and they informed me that they could not refund the transaction. This was not an authorized payment as I never used the confirmation number that my son had and he didn't use it either because he couldn't. I was told that no authorization was needed for a debit card, which is incorrect or I would not have been prompted to enter the access code.
Product: Credit reporting or other personal consumer reports

This is my numerous requests 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, remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Nationstar Mortgage is the property owner through sheriff sale of the home that shares a driveway with mine. They have allowed squatters to destroy parts of this home, as well as create a serious safety issue as their property has a swimming g pool and the fence that is required by law has been torn down. There is raw sewage in the basement and the squatter is threatening to burn the house down along with the garage which is XXXX feet from my home. My home owners insurance is threatening to cancel me as someone could drown in the pool because it does n't have the required XXXX foot fence. I have contacted Nationsrat to no avail and have requested many times for them as the owner of the property to fix this issue and they refuse to do anything!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to submit disputes online and over the phone. Online I'm asked questions that do not pertain to me to verify my identity and can not access my file and over the phone I am ask about accounts I know nothing about to verify my identity, I am unable to get access to my file. I have inquiries I need to dispute on my account but I can not get access to my file because I am answering the questions wrong but none of the accounts they have on file for me I have no knowledge of. I also have accounts I need to dispute but again unable to get access to my file. The inquiries I was able to pull from credit sense is as followed XXXX Dated XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   Dated XX/XX/XXXX XXXX  XXXX Dated XX/XX/XXXX XXXX   Dated XXXX XXXX XXXX Dated XX/XX/XXXX XXXX Dated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXXXXXX, has 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 a account without my written instructions.