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

XXXX for my wife and me and Experian for me will not allow us to log onto their sites. I made accounts of all three credit reporting sites so I could freeze and unfreeze our credit accounts. XXXX is not a problem. The problem with Experian and XXXX is that they canceled the login password for no reason. They have a procedure to create a new password either by mail of phone. I filled out the mail in forms for both credit reporting firms. They both rejected the application. One sent a rejection and the other I never heard from. No reason for the rejection was given that I recall. I got on the phone to reset my password with I believe Experian. Once I got to talk with someone for the next ten or so minutes I answered all their questions which proved it was me beyond any doubt. Then I was told to send a scan of my drivers license or passport. I said I would not do that. The only time anyone needs to see my drivers license or passport is if they are looking at it and me to verify who I am. No one at Experian or XXXX is ever going to see me. I want them to reset the password I was using. I know they need more information than is here. They can call me at XXXX. I want the passwords reset without giving them me drivers license or passport. One was not needed before and is not needed now. Deleting my password and then demanding my drivers license or passport looks like a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : US DEPT ED ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : 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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. C 1681 section 602 A. States I have the right to privacy.

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. 16815-2 ( 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

they have repeatedly called me and have repeatedly called me multiple times while Im working. They call me all hours of the day sometimes night and are very rude and ignorant to me. I am a person that suffers from XXXX XXXXXXXX. I have not worked in XXXX or XXXX XXXX  and Im just getting back to work now. I have been fighting for my XXXX XXXX and did not get it and finally gave up and went back to work. Why with all the students that that I have would I get a credit card I could not afford to pay.
Product: Money transfers

This morning, I sent money to my wife via Western Union. I was provided an XXXX # ( XXXX ). I was informed the recipient was unable to receive the funds because the XXXX was incorrect. Western Union collected the money from my checking account, but has not credited my Western Union account. I was advised by my credit union that they could not cancel my debit card transaction because I " entered into a contract '' by using my debit card. I was provided a " system trace audit number '' and " sequence number '' by my credit union. I emailed screen shots of this transaction on my checking account and a picture of the document provided to me by my credit union with the technical numbers associated with the above listed transaction. The Western Union help desk. I was given the help desk reference number of XXXX from the email address XXXXXXXXXXXX.
Product: Credit reporting or other personal consumer reports

i contacted equifax and them to verify some inaccurate information on my credit report. They responded and stated they did, however when i checked their were multiple inaccuracies, and invalid information. This is hurting my credit report and negatively impacting me from getting a house, student loans, etc. I would greatly appreciate if this were fix immediately.
Product: Debt collection

I received a debt collection notice from XXXX XXXX XXXX for {$82.00} from XXXX TX XXXX XXXX on XX/XX/XXXX. I sent a certified letter requesting validation of the debt. on XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that they had conducted a complete investigation and the account has been cancelled per clients request and that they ceased collection of the account. 

Later if XX/XX/XXXX I received a letter from Phoenix Financial Services requesting payment of {$82.00} for services rendered at XXXX TX XXXX XXXX. I called and spoke to the representative and explained the same debt in question from XXXX. The representative requested that I send them a copy of the letter closing the account from XXXX XXXX to : XXXX which I did on XX/XX/XXXX.

Phoenix Financial services called me today ( XX/XX/XXXX )  and asked me to pay {$82.00} I told them about the situation and they told me that they would report this to my credit for refusal to pay and that they would not verify the debt and that their word was verification enough and hung up on me. 

I do not have a physical copy of the Phoenix Financial Services letter but their information is below XXXX Phoenix Financial Services XXXX XXXX XXXX XXXX, IN XXXX
Product: Credit card

The CC company, Comenity Bank submitted duplicate payments on two cards I have with them, XXXX and XXXX XXXX to my XXXX checking account. When I called, XXXX said it was a problem with XXXX. So, I then contacted XXXX who wanted to launch a fraud investigation, but instead I opted to stop the payments, so I could reissue a single payment. Comenity Bank charged me multiple fees for the returned payments, and after contacting them, refuses to refund those fees, even though it was their error, not mine and I have since paid the accounts up to date. When I requested the refund of the fees, they kept saying the payment was stopped-rejected, which was due to their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX not mine
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and there are a large amount of inquiries that do not belong to me. I have reached out to the credit bureau to have these deleted 6 months ago. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am a victim of identity theft and I have no knowledge of or have ever been connected to the following information : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I submitted Police Reports, Identity Theft Affidavits and Social Security Administration Identity Theft Reports regarding a fraudulent mortgage from XXXX XXXX on my credit report. 

In XX/XX/XXXX, XXXX, Experian removed this fraudulent account from my report. In XX/XX/XXXX, Experian put this fraudulent account back on my credit report and now this account and Experian is causing great hardship on my livelihood. I am in the process of purchasing my first home and this account and Experian is causing harm to myself with much added stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX  XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX , TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX , XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$520.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I placed an order on XX/XX/2022 at happycards.com, which is serviced by BlackHawkNetwork, for 10- {$500.00} XXXX XXXX XXXX egift cards, for a total purchase price of {$4700.00} after the use of a coupon code. I never received a confirmation email, never received the egiftcards, but my XXXX credit card ending was charged for the full amount. I have called various customer service phone numbers listed on their website, always being rerouted to someone else and all attempts to talk to someone who can help have been futile. I have gotten nowhere with either receiving the giftcards I purchased, or getting a refund for the purchase.
Product: Bank account or service

On XX/XX/XXXX around noon time I start seeing notifications on my email saying that funds were sent to a recipient I was not familiar with, I did n't buy anything from XXXX never heard his name. After few minutes another notification came in from a different recipient and eventually total of XXXX notifications from XXXX different people, within probably an hour time frame, total of XXXX {$1400.00} were stolen from my PayPal account. I opened a dispute with PayPal and they agreed to refund XXXX {$80.00} of the stolen funds. They closed all XXXX other dispute claims saying that the transactions were made from my home XXXX therefore it does n't count as an un-authorized transaction. I must add that between the XXXX and the XXXX transactions I went in to my paypal account and withdrew the rest of my balance just to try and stop the bleeding. Never the less, the last unauthorized transaction was done after I withdrew the money so Paypal charged my CC. 
Pay pal will not provide any proof of where the money was sent from, they say you need to have a court order in order for them to release the info. 

They said that since I withdrew my funds on the same time ( does n't it make sense to try and save what you have left? ) and from the same XXXX then obviously those were an authorized transactions. 
I called them XXXX minutes more XXXX less after the last transaction to ask them to block my account. It is not that I waited days XXXX weeks before I noticed. Still they could n't have done anything to stop the transactions. 
If PayPal claims that the transactions were made from my computer than why did they refund XXXX of the un-authorized transactions? 
My wife and I are PayPal members since XX/XX/XXXX, I do n't understand why PayPal did n't investigate to find that if money sent so frequently to different recipients, different amounts and currency, why it does n't raise a flag? 
My CC is immediately cancelled XXXX blocked whenever my CC provider sees irregular XXXX abnormal activity, I know I am covered. 
With PayPal I feel completely XXXX and frankly I am not sure how to prevent it from happening again Thanks XXXX XXXX
Product: Credit card or prepaid card

Rented a car from   XXXX   XXXX   XXXX   using my MasterCard to initiated my car rental using my Capital  One   MasterCard endi ng in  XXXX . I had a accident in the rental car, I decline insurance from the car rental company initially, because I believed based on what my credit card company informed me that I was covered. The claim was made to  master Card a round early part of  XXXX   2017, after I h ad gotten into a car acciden t,   XXXX   XXXX   resp onded by issuing me a claim number #  XXXX ,  XXXX  Also ask for the following documents : Car rental agreement, credit card statement and miscellaneous documents ;  Cardholder respon ded with items he had received from Capital One,  XXXX   XXXX   XXXX .   XXXX  res ponded via email with what appeared to be benefits agreement, I 've never known this agreement existed. I looked over my document after sending the first set of Documents in and discovered the billing on  XXXX   XXXX   XXXX  was not final, it state pending Charges I contact   XXXX   on  XXXX   XXXX ,  2017 for c orrect updated billing which reflects payment for the car rental ; from my  MasterCard  ending in  XXXX .  XXXX  send me a decline of my claim on  XXXX   XXXX ,    2017 st ating I did not follow the agreements set by there insurance carrier ; please contact  XXXX  regarding there dodging there clear responsibility to co ver. ( Cardholder Sincerely   XXXX   XXXX   )
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 TOOK OUT A LOAN WITH MYPAYDAYLOAN.COM AND THEN I GOT IN A WORK RELATED INCIDENT AND WENT ON SHORT TERM XXXX. I TRIED PAYING THEM AND COULDN'T ANY LONGER. THEY IN TERN ADVISED ME BY EMAIL THAT THEY WERE TURNING THE ACCOUNT OVER TO AN OUTSIDE COLLECTION AGENCY CALL XXXX XXXX XXXX. THEIR NUMBER IS XXXX. THEY HAVE NEVER TRIED CALLING ME BUT THEN I STARTED GETTING CALLS TWO WEEKS AGO FROM A XXXX XXXX XXXX EXT XXXX FROM A SO CALLED XXXX XXXX XXXX. THEN ANOTHER PERSON SOUNDING VERY MUCH LIKE XXXX XXXX THIS TIME NAMED XXXX XXXX. THEIR FILE NUMBER WAS FOR XXXX. THIS TIME HE GAVE ME A DIFFERENT TELEPHONE NUMBER OF XXXX EXT XXXX AND THEN I GET ANOTHER PHONE CALL FROM ANOTHER DIFFERENT NUMBER XXXX. I DID SOME RESEARCH AND ALL THESE NUMBER RING BACK TO XXXX XXXX XXXX. XXXX XXXX XXXX IS SUPPOSSEDLY LOCATED AT XXXX XXXX XXXX XXXX XXXX, NY XXXX AND XXXX XXXX XXXX IS LOCATED AT XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Bank account or service

I went through the drive through of the Wells Fargo Bank at XXXX XXXX XXXX XXXX in XXXX, AZ on XXXX/XXXX/17. I provided them a signed check for deposit, my drivers license and my debit card corresponding to the account the funds were to be deposited in. The teller at Wells Fargo deposited the funds into a joint account, rather than the account corresponding to the debit card I provided her, which is my sole account, and now Wells Fargo is unwilling to resolve the issue. Now that Wells Fargo made an error and deposited funds into the incorrect account, the other person on the joint account is aware of those funds, and there they can not just be transferred. Wells Fargo needs to deposit the correct amount of funds into the correct account per the information I provided to them. I contacted their customer service this morning and they advised there is nothing they can or will do to rectify the situation. This is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days I haven't heard anything from the credit bureaus. I did my research and it's against FCRA to have inaccurate information being reported. Also Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Please help me, this is messing with my livelihood.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.