23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I became aware of this fradulent account in XXXX. 

Since XXXX I've been trying to work with Discover, asking them to validate this information and provide me with any information they have that they believe shows them that this account belongs to me. 

Since that time, they've sent me reams of card statements and have made claims that they've conducted investigations where : 1. They approved an account but didn't open in for 6 weeks. 
2. They responded to a stolen credit card and provided the account holder a new one. 
3. They didn't mail account statements the first time around, they emailed them, but won't share the email address that was used to deliver said accounts. 
4. They claimed they called me and talked with me to verify the accounts, then claimed that they talked with me again in XX/XX/XXXX ; which they couldn't have because I suspended my cell phone access in XXXX when I left DC to go work on a senatorial campaign ( info with which I've shared ). 
5. I've provided them with an ID theft affidavit with police report number from FTC, yet they still continue to report this account to XXXX. 

All I want is to see the information that I've requested since XXXX ( I've attached the most recent series of correspondences ) and help them clear up this matter. The fact that they won't share this information concerns me because then they are willfully sharing incorrect and damaging information about me
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XXXX XX/XX/2014 Balance : {$91.00}. 

If you feel there is a possibility this account belong to me I will 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I APPLIED FOR THE XXXX XXXX REF XXXX AND WAS FORCED TO USE XXXX  AGAINST MY WILL. AND XXXX  AND CREDITOR BLOCK MY REPORT.
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 XXXX 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 XXXXThis 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 21 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 XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am sending to notify you that I have been a victim of fraudulent activity. In my efforts to address the fraudulent items on my report, I discovered that I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. As per FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report, reference number XXXX. Enclosed are the documents to assist in removing the erroneous personal information and inquiries from my report. Below is the list of items that were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items in a consumer 's file identified as resulting from identity theft within XXXX business days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I contact Huntington National Bank informing them that the 30 Day Late mortgage payment XX/XX/2023 reported on my credit is incorrect. The agent acknowledged that the reason for the late payment was because the missed a digit in my bank account number. I requested that they conduct a reasonable investigation into the accuracy of the disputed information and provide me a feedback which I'm yet to receive. 

On XX/XX/2023, I wrote Huntington National Bank ( certified letter ) formally disputing the accuracy of 30 Day Late mortgage payment dated XX/XX/2023 reported on my credit report, as governed by the Fair Credit Reporting Act ( FCRA ), specifically under Code 15 USC 1681i ( b ). Additionally, I would like to bring to your attention a violation of the Fair Credit Billing Act ( FCBA ) under Code 15 USC 1666 ( b ).
Product: Bank account or service

On XXXX XXXX I received A call from the company Lending Tree they transferd my to the bank here in XXXX Michigan Quicken Loans. I spoke to a XXXX XXXX who phone number is XXXX which the area code does not match the area code here in XXXX. ( XXXX ) I am a Veteren of the United States XXXX in which i asked XXXX XXXX about their Veteran home loan products. At no time i asked him to give me a quote, all i wanted was details about the products they offer. XXXX ask for my social security number so he can view my credit history i explained i am waiting for the XXXX reporting agencies to update my report. XXXX also explained that if my score was too low his team members at Quicken Loans can assist me by speeding up the credit issue process and if i give him my social security number to view his team members would call me immediately if my score was to low. The team members never called creating an hard inquiry on my credit report. I feel this is a bias company preying on the poor I am a Veteran of the United States XXXX and i need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 accounts with XXXX which reported as closed by consumer suddenly Experian changed it to close by the grantor. When you look on the same day Experian report from yesterday one shows closed by grantor while the other does not show that statement. ABSURD!
Product: Credit reporting, credit repair services, or other personal consumer reports

RECEIVED NOTICE FROM PACER THE ENTITY THAT STORES US COURT DOCUMENT 'S RELATED TO COURT FILINGS... THE PUBLIC RECORD XXXX RNK HAS BEEN REMOVED AS THE UNITED STATES DISTRICT COURT ORDERED ... THIS PUBLIC RECORD SHOULD HAVE BEEN REMOVED AS DIRECTED BY UNITED STATES BANKRUPTCY COURT ... EXPERIAN HAS FAILED TO PROPERLY INVESTIGATE THIS DISPUTE...
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. 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 XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Debt collection

i have never recieved any communication of debt/debt has never verfied or validated. no communication from company just improper reporting on my credit report from XXXX
Product: Credit reporting or other personal consumer reports

I WANT ALL INFORMATION AND ACCOUNT REMOVED ASAP AND $ XXXX in lost wages!! I AM NO LONGER RESPONSIBLE FOR THIS ACCOUNT, I HAVE BEEN UNEMPLOYED FOR ALMOST TWO YEARS, NO CAR, NO HOME OR RESOURCES AND UPLIFT HAS CAUSED ME HOMELESSNESS, NO CAR, NO RESOURCES AND NO EMPLOYMENT, ETC. THEY HAVE BEEN WARNED!!!
Product: Credit card

I keep getting charged {$38.00} late fees for an account that I do n't remember agreeing to specific terms and certainly not {$38.00}. I think this fee has changed several times and there is no binding agreement that authorizes this fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to use adequate resources other than the name only matching process. After multiple disputes, my personal identifiers have not been updated. I submitted proof of identity including a copy of my original birth certificate, social security card, CA State ID, current bank statement and utility bill. The date furnished is erroneous and does not belong to me. XXXX has multiple variations of social security numbers listed on my report. None of the variations are correct, which confirms my allegations of improper verification methods used to verify the accounts belong to me. Simply using the name only matching process has affected my credit worthiness and has stopped me from accessing the financial resources needed to support not only myself, but my 5 month old twin daughters. Being a XXXX XXXX XXXX fleeing my XXXX  at the start of the pandemic, obtaining housing has been extremely difficult due to the inaccuracies reported on my credit report. I have submitted copies of police reports, my FTC ID Theft report, requested security alerts and blocks to be placed on the fraudulent accounts, yet my requests have been ignored and the disputes have been verified through the data furnishers. Which XXXX explicitly lists as XXXX XXXX XXXX, I have requested a security freeze, opt-out and request for information deletion. XXXX sent a confirmation via USPS with a security freeze pin, yet XXXX states that XXXX verified my information. I interpret that as XXXX violated my rights under the FCRA and failed to keep my personal information confidential, causing my disputes to be verified when the reports furnished contain incorrect and out dated information that needs to be deleted and blocked from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 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. 
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, CA XXXX, XXXX XXXXXXXX Date opened XX/XX/2019 Balance : {$0.00}, XXXX XXXX Date opened XX/XX/2019 Balance : {$0.00}
Product: Debt collection

I disputed this alleged debt via certified regular mail asking for proper validation of the claim to no avail. All I got in return is a generic letter stating that they were not gon na validate the alleged debt and that they were not gon na take any further action to address this issue. My initial letter to them was simply asking them for a copy of a original signed contract to validate the debt. If they can not produce that then by law they have to cease collection as well as remove the account from my credit report.
Product: Credit reporting or other personal consumer reports

Chime/XXXX XXXX  has been reporting to all XXXX credit bureaus that I have a balance of {$2100.00}. I don't have a balance. I disputed the information with XXXX XXXX XXXX XXXX, I included XX/XX/XXXX, XX/XX/XXXX in the dispute. The account balance was not changed. Chime/XXXX XXXX told them that my account information has been correctly reported. When I call Chime/XXXX XXXX they tell me that I don't have a balance. This is messing up my credit score and hindering me from purchasing a home.
Product: Credit card

FBNO bank does not have an option to see the amount that the credit card holder has scheduled to be paid. The company does not send an email confirmation, post it on the credit card holder 's online account, or show any way to see the scheduled payment UNTIL AFTER IT HAS POSTED. Due to this, I have had more than one payment be for a different amount than I believe I scheduled. I have no proof to say that I scheduled a different amount. This is a deceptive practice, and it should not be allowed. When I call, FNBO can not cancel the payment. They suggest I call my bank and set up a stop payment - another fee. This is the only option as when this happens, it ties up my account for days, trying to process the payment. The payment gets denied, and then a few days later FNBO tries AGAIN to debit the payment, tying my account up again. In the meantime, I try to schedule a payment to avoid the late fee for what I know will be a missed payment, and I can't, because there is no balance due. This is a deceptive practice that is not consumer friendly- in fact it is detrimental to consumers. In my case, it is tying up my account and other transactions can't go through, resulting in more fees and hassle for myself.
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This all started on XX/XX/XXXX, when someone hacked into my online account and deposited a fraudulent check into my account for the amount of XXXX. They then changed my contact information and enrolled me into XXXX. They made three online transfers from my savings to my checkings. The first amount was for XXXX dollars and the last two transfers were in the amount of XXXX each. For a total of XXXX my whole life savings. Then they proceed to make cash withdrawals from ATMs, stores, and online purchases as well. On XX/XX/XXXX, I called Wells Fargo bank to report a claim of fraud on my account. The claim was taken over the phone but the information was incorrect and lost along the way with so many transfers between the departments. On the phone call, my account had a stop hold/ stolen place on my account. They said to close that account and open a new account that was still linked to that account. Over the phone, they changed my username and password for my online baking and even added a verbal password to my account. The agent told me that I would need to go into the branch to pick up my temporary card for my new account. I went into the bank that evening to pick up my new card but they were unable to help me. Once again I had to call the bank on the phone and they had to reset my account once again. A few days later I called to check on the status of my claim no new information was available. I received a survey in my email asking how I felt about my recent call to Wells Fargo. I was unhappy with my experience with Wells Fargo, so someone called me from my local branch and they set up an appointment to talk to a banker. I spent over two hours at this appointment on XX/XX/XXXX. The original information for the claim was incorrect and things were missing from the claim. The banker also noticed that whoever it was still had access to my account because they were still ordering checks even with the stop hold/ stolen in place on my account.The banker told me that I needed to close out that new account completely and open a new account that had no connection to my original account. I opened a new account. While I was at the bank I spoke to someone who said he was going to start my investigation. He asked me questions, but it was hard to understand him and communicate with him. He told me that the person who would complete my investigation would call me within 24-48 hours but that never happened. A week later or so I received a phone call from the banker who had been helping me. He informed me that my claim had been closed and he asked me what happened. This was news to me so he gave me the investigator name and number and told me to call him. So I did just that I left voicemails with no replies.He never got in contact with me at all. After this whole ordeal on XX/XX/XXXX, I went into the bank to close my account. with no resolution to my situation.
Product: Mortgage

My late husband got sick in XX/XX/XXXX ( XXXX ) and past in late XX/XX/XXXX. He was the main income provider.. I called and started paperwork to get a home modification and finally got the right paper work in, the was denied because the pool of investors had a cap on loan modifications and was not approving any more. I have a income now and I am on XXXX. XXXX my only income ) but want to start paying to keep my house but do n't know what to do now. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have sent out letters trying to dispute a number of inquiries on my credit report that I did not give my consent to and they are unauthorized, completely fraudulent. I have attempted to contact each creditor to get answers and they tell me they will investigate and take care of it. No one ever gives me a direct answer any more just to contact the credit bureaus. I called the credit bureaus a number of times to inform them of my issue and concern and they told me to contact the creditor and i did. I have sent a number of letters to the credit bureau as well and still no response. This is my last hope of getting this situation rectified. I even sent in ftc reports on a 2 different occasions. I sent letters out on XX/XX/23 and XX/XX/23. I am tired of being a victim of this flawed system This is completely unjust and no one is doing anything about it. I need you guys assistance on the matter please please please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX, Equifax and XXXX and plus XXXX XXXX ; I'm extremely confused why there still an item on my credit report that continues to shows and report incomplete, misleading, and unverifiable data. Especially there are so many inaccuracies on the way this XXXX XXXX Account is reporting between XXXX and XXXX. How come it's reporting different data and different balances. See attachments. Why XXXX saying that I owed {$1200.00}, but XXXX says that it was PAID and {$0.00} balance. Something doesnt seem right. And Equifax removed it from my credit report. I need this delete today from my credit because its reporting multiple inaccuracies, incomplete, and misleading information. 

Also, why you continue to report different misspelled and variations of my names and some unknown previous or former addresses and phone numbers. I disputed these several times in the past and I've asked that you deleted them from my credit report because it's stressing me out. delete from my credit report effective today.