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

I requested Trans union remove a car load listed for XXXX. With XXXX XXXX XXXX
Product: Mortgage

I was trying to purchase a 2nd home or vacation home. In doing so I sought out a pre approval through Rocket Morgage / Quicken loans. I applied for a pre approval in XXXX of XXXX and received an approval and was informed that I was good with a score near XXXX. I then updated the approval on 3 additional occasions attempting to be prepared if we found the correct home. I was never advised that these additional credit pulls could adversely affect my credit by the lender. On the fourth pull I was informed that I now had XXXX combined credit score below the lending limits. I was informed that this was because I had 1 late payment and late payments from XXXX were impacting my score. When I reviewed my credit report they provided it clearly states that the number of hard inquiries has adversely effected my score. Thus putting me in a denial status not only for them as lenders but many other lenders as well. Ive now lost out on a chance to buy my second home.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the ongoing inclusion of inaccurate public records information on my credit report, which I have been unable to resolve despite multiple attempts to have the information removed. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus must validate the accuracy of information on an individual 's credit report. 

Over the past several months, I have contacted TransUnion and XXXX numerous times, requesting the removal of inaccurate public records information from my credit report. However, my efforts have been unsuccessful. 

The inaccurate information in question appears to have been obtained by the credit bureaus through the Public Access to Court Electronic Records ( PACER ) system. I have confirmed that the Bankruptcy Court has no interaction with these credit bureaus, nor do they have control over what the credit bureaus do with the information they obtain through PACER. In fact, I contacted the Bankruptcy Court to confirm whether they had validated the public records information listed on my credit report. In response, the court provided a letter dated XX/XX/XXXX, stating that they do not have contact with or jurisdiction over credit reporting agencies. 

Since the information obtained from PACER can not be validated or verified by the Bankruptcy Court, it does not comply with the FCRA 's requirements for accuracy. Despite this, the credit bureaus continue to report this information on my credit report. I have made numerous requests, including a recent submission on XX/XX/XXXX, asking that this public records information be removed due to its unverifiable nature. 

Given TransUnion 's and XXXX 's refusal to comply with my requests, I am seeking the CFPB 's assistance in enforcing the FCRA and ensuring that the inaccurate information is removed from my credit report.
Product: Checking or savings account

Me ( XXXX XXXX ) and my wife XXXX XXXX XXXX XXXX had a checking account with Wells Fargo # XXXX. On XXXX, I found there was a transaction of {$1000.00} from our account through XXXX on XXXX. I called Wells Fargo immediately and told them this transaction was not authorized by me or my wife. We have no idea who did this. The bank person filed an online Fraud Claim ( case XXXX ). On XXXX, the bank sent us a letter said the transaction was made by XXXX, or someone who had our authorization. My wife called them again, explained that it was not us and we did not authorize anyone to make that transaction. The bank file another claim # XXXX and said they will give us provisional credit {$1000.00} while they investigated the fraud. We did receive the {$1000.00} credit. 
Then we are asked to close the checking account XXXX, and opened an new one : XXXX. 
But on XXXX, the bank reversed the provisional credit online claim XXXX without any notice to us. The took {$1000.00} back. 
I called the bank many times, persons on the phone just said they do not know the details and just read conclusive notes in the claim case. None does not take care this situation anymore. 
My wife went to the local bank branch, ( XXXX XXXX XXXX XXXX XXXX TX XXXX ). XXXX XXXX accepted our complain and filed a new claim number XXXX. She was told she will receive a phone call within 3 days. However, after several weeks, none called her from the bank. On XXXX, she called the bank and XXXX filed another case number for her : XXXX. By now, We still waiting, no result yet. 
In short, our money {$1000.00} disappeared from our bank account with Wells Fargo without our authorization on XXXX, we called the bank on XXXX. Wells Fargo did not give us an reasonable explanation, took provisional credit back and do not take care this anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/XXXX, I met with my banker at XXXX XXXX 's XXXX XXXX ( XXXX ) to discuss the sudden and unexpected closure of my Home Equity Line of Credit ( HELOC ), which I was using in the process of selling my current home and buying another. At that time, the employee, XXXX XXXX, was unable to access my TransUnion credit score, although TransUnion was the agency that had flagged my account. 
On Friday afternoon, XX/XX/XXXX, I spoke to XXXX at TransUnion, who told me that I was locked out of my account due to an error code 219, which occurred because TransUnion still had my account merged with my ex-spouse 's account under my married name, despite my having been divorced for seven years. XXXX informed me that I would need to send at least two forms of documentation via US mail to TransUnion, and at that point, I would be able to access my account after it was unlocked within five business days. I immediately sent the documentation. 
In the interim, I had filed a dispute with XXXX  and XXXX  regarding the inaccurate information filed by XXXX and XXXX XXXX  that shut down my HELOC and caused my credit score to plummet 200 points from XXXX to XXXX according to those two credit agencies. However, I was unable to access my TransUnion account, so I was informed by an unnamed representative at that agency that I would need to file my report verbally, so I did so. 
After this time, TransUnion reported receiving my information on XX/XX/XXXX, so I called again five business days later when I still denied a copy of my credit report. I was told by XXXX XXXX on XX/XX/XXXX that I could not access my account while I had a dispute on file. I replied that I had no idea what this unnamed representative had actually filed because it was verbal, so I needed to see the contents of the report, as well as submit substantiating evidence. Ms. XXXX was unable to help me in this matter, and then referred me to the special handling department. 
I contacted XXXX XXXX in the special handling department on XX/XX/XXXX, who would neither give me my credit score nor my report. She told me that the only way I could send substantiating evidence at this time was to mail all documents to the same address I was directed to by XXXX nearly two weeks before. I have now done so, but have been told that I can neither see my credit score nor my report until after the dispute is settled on XX/XX/XXXX. 
I understand that it is my right as a consumer to see my credit score, especially when a reporting agency is responsible for having caused a denial of credit, a lockout of existing credit, extreme financial difficulties in buying and selling properties, and time lost from work because of their reporting. How can I fight what I can not see? 
I hope that you are able to help me with this extremely frustrating and time-consuming matter. 
With Thanks, XXXX XXXX
Product: Credit card

Capital One closed my account on XX/XX/year> per a " business decision ''. I had over XXXX points accrued from putting spend on my cards during my time with them. 

They went ahead, without notice, and redeemed them for half a cent per point statement credit, which is significantly below fair value. They did not give me an opportunity to transfer the points out to a partner or to at the very least redeem for XXXX cent per point against travel related charges. 

This is unethical and dishonest practice. Capital One can decide to close an account on a whim ( which I guess per Cardmember Agreement this exploitive practice is allowed ) but then they can also not give you chance to redeem any of your points earned for putting spend on their credit cards as advertised. Bait and switch SCAM.
Product: Payday loan, title loan, or personal loan

Complain about their predatory interest and how the payments I was making was only paying the fees and not the balance, and I also found it strange that they give you option to pay early but it still only covers the fees not the balance, so in the end one still is obligated to pay the complete interest fee the want which is XXXX the same amount as the loan it self.
Product: Debt collection

I received notification on my credit report regarding collections from XXXX XXXX XXXX XXXX XXXX # XXXX, with its original creditor XXXX XXXX. Ive never visited XXXX, nor its medical facilities. The collection date opened is XX/XX/2022, with a balance of {$1000.00}. 

Im requesting that the collections are removed from my account because it isnt mines.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXXXXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated. This is the THIRD attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I XXXX proceed with my life, or I XXXX be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

My credit score has dropped over XXXX points for the 2nd consecutive month in a row then it got fixed in or around XX/XX/year> them on XXXX I get a notification that my score dropped XXXX points again yet I have no negative information or collections or anything and this effecting my finances and life tremendously while there is false information being reported and my score keeps dropping XXXX points then spiked back up then dropped again this is ridiculous and its truly affecting my family and my life and my current financial situation and this needs to be fixed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX  XXXX The reason why I am writing this complaint is because on my XXXX, Experian, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit card or prepaid card

I made a purchase of a stay with XXXX the company via their online system for my personal use and that of my family. The purchase was for a total of {$2100.00} and it was made by paying with my Visa Check Card XXXX XXXX XXXX XXXX XXXX XXXX JP MORGAN CHASE BANK NA on two separate transactions of {$1000.00} on XX/XX/XXXX and on XX/XX/XXXX. In the month or around XX/XX/XXXX, XXXX. i made a timely dispute of the charges after coming to the conclusion that i could not resolve the issues with the vendor XXXX  of California XXXX 

My dispute was based for the following reasons : Billing Errors : 1. I was charged by services and good that were ordered, advertised and not delivered. Specifically, I was lured into a transaction for an advertised temporary rental and was provided with assurances that I would receive a unit with a working hot tub, water would be available, a clean unit, at least one without mold, safe and free of sexual harassment while staying there and an internet connection. This was my expectation and because I DID NOT RECEIVED THE services and goods as advertised, I disputed as it was my right.

Additionally, I disputed the charges made under : I dispute under CLAIMS AND DEFENSES with the card issuer but believe this was not properly documented by the Credit Card Issuer JP MORGAN CHASE BANK, NA.

My dispute under CLAIMS AND DEFENSES because the purchase was made online, it was for over {$50.00} USD, XXXX  is wihtin 100 miles of my residence but regardless the process was made online. I made a good faith effort to resolve this matter with the vendor to no positive result.

1. The unit was to have a working hot tub ; it did not have this.

2. Mold was discovered during the stay and was causing me problems as I have allergic reactions to this. The unit was not cleaned and protected as advertised.

3. The internet connection was not reliable and was subject to very slow speeds that could not possibly sustain several devices from being connected to the internet.

4. During the stay the water was shut off and I had not even vacated the property.

5. The property was not secured. As it allowed loitering and the conglomeration of individuals at the entrance of the property that XXXX harassed my partner and my XXXX daughters. I was promised a prompt reaction as this issued required an immediate response from the vendor, but the vendor stated to me that they could not react to the complain because under staffing during the holidays as they would normally. 

For these reasons I am disputing the charges and I am protected under the laws of the United States and The State of California. I also believe that my credit card issuer did not
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times with all   XXXX   credit bureaus because an account with  KAY JEWELRY is o n my credit report. The account was opened in  2011 . I was in  XXXX   XXXX  at the time and never opened this account. I do not know who did however I have never done business w ith KAY. I  have tried to reach out to them to get information and they refuse to provide any proof of why this account is on my credit. After disputing unsuccessfully with the credit bureaus twice now. I am reaching out to CFPB to get this removed from my credit as it is lowering my score and I am attempting to get a mortgage in the near future. This account does not belong to me!
Product: Debt collection

I sent a letter requesting validation of the debt. The letter stated the following. I am writing to request a validation of the debt you are claiming I owe. Please provide the following within 30 days. 1. The amount of the debt. 2. The name of the Credit, whom the debt is owed. 3. A copy of the original contract agreement showing my responsibility for the debt. 4. Any judgment or other legal action taking related to this debt. 5. Verification that the statute of limitations has not been exceeded for the state of Kentucky. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX - XXXX, XXXX. 
- XXXXXXXX XXXX XXXX 
- XXXXXXXX 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: Prepaid card

Tried to use American Express gift card at multiple retailers and card was declined. Contacted customer service at amex and they would not provide a list of retailers that I could use their card at. This renders my gift card essentially useless. 

-Purchases declined : XX/XX/XXXX : airline tickets at XXXX XXXX XXXX XXXX separate purchases from XXXX XX/XX/XXXX : another purchase from XXXX XXXX online purchase from XXXX American Express would charge me a penalty of {$0.00} per transaction denied even thought they were the ones who denied the transaction.
Product: Debt collection

I have contacted Fair Collections In & Out REPEATEDLY since it first appeared on my credit report. They dont respond to letters requesting validation of the debt. They refuse to provide original contracts to validate account and amount owed. I do not think this company is a legitimate collection agency. They need investigated i think they are fraudulently bullying consumers into paying debts they dont owe!
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX {$57000.00XXXX XXXX XXXXXXXX Balance {$960.00} XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX CC 'D : Email : XXXX CC 'D : Urgent CFPB Complaint Filed RE : INCOMPLETE, INACCURATE, UNVERIFIABLE PUBLIC RECORD! - DELETE! 

Dear LexisNexis, I have recently looked at a copy of my credit report and see that you still provide inaccurate information about a couple of bankruptcies that were filed. It is my understanding that this information has to be reported correctly or else it has to be removed. I think you are aware of this fact as well, which is why I am confused as to why YOU is still reporting this information to the credit bureaus. I have already spoken with the courthouses that these bankruptcies were filed in and I know that they did not provide you with this information as they explicitly stated that they don't report information to anyone. But I guess you use PACER to obtain your inaccurate information from public files. Well if you did your due diligence and obtained the correct information, you would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. They were both DISMISSED and never XXXX! My credit is being negatively impacted due to your neglectful reporting and I would appreciate it if you removed these bankruptcies from your system. It is not fair that you can simply snoop around and report only half-truths and cause so much distress. 

XXXX - The XXXX  information in my credit file is a result of the unauthorized use of my social security number and other personal details. These accounts do not relate to anything I authorized or participated in. The Federal Trade Commission ( FTC ) is currently investigating the matter. Additionally, the information on my report does not comply with XXXX XXXX credit reporting standards. I have evidence to support my case. Again, I did not consent to the sharing of my non-public information, and the reporting of these items is neither fair nor equitable to me as a consumer. The following legal provisions outline my rights as a consumer : 15 USC 1681 Section 602 A : Establishes my right to privacy. 15 USC 1681 Section 604 A Section 2 : Prohibits a consumer reporting agency from furnishing an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) : States that no consumer reporting agency may include any adverse information that is outdated. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Prohibits furnishing information known to be inaccurate.
Product: Debt collection

On XX/XX/2020 I received a letter from XXXX XXXX XXXX which described a bill in the amount of {$1100.00} for equipment that was purchased using My identity but shipped to some place other than my address. I explained that I did not order or receive services from XXXX and someone used my identity fraudulently to make this purchase. They asked me to make a police report which I did to the XXXX XXXX  police dept. To my surprise This amount was turned over to collections XX/XX/2020. I called XXXX  and they said I had a XXXX Balance it was not them since I had disputed the matter. I researched and found receivables performance management was the company that XXXX used to have my account sent to collections. I have tried to call and they don't want to talk with me. I have placed a freeze on my credit to eliminate this problem from happening in the future however I still have a collection debt showing on my credit for which I had nothing to do with and do not owe this debt due to identity theft. As a resolution I would like the collection removed completely from my credit records as if it had never happened.