23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This Comenity account is showing on my credit report as the last stepping stone of fraud prior to what appears to be a fraudulent life insurance policy in my name thru XXXX XXXX XXXX. This bank shows on my XXXX dispute of an address I never lived at that I disputed the date for 'Comenity Bank XXXX XXXX is XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX inquiry shows XXXX XXXX XXXX.

I reported this to the FDIC however I lost access to the email address I used to file the complaint ( XXXX ) Please inform me what's going on with this cause it looks like this is a credit card or checking account that was used to make a fraudulent life insurance policy in my name, ironically right before everywhere I go weird nefarious things have been occurring.
Product: Credit card or prepaid card

In early summer Wells Fargo informed us that they were discontinuing our overdraft protection line of credit, and that we would need to apply for a credit card in order to continue to have overdraft protection. I didn't want another credit card, but under the circumstances applied in order to ensure we'd have overdraft. After I applied for the card ( and was denied ). I then received a letter from Wells Fargo that stated based on feedback from customers, they were adjusting their approach and keeping the line of credit open. I asked Wells Fargo to remove the credit bureau inquiry as I would have never applied for the card to begin with had this debacle with their credit lines not occurred. They have refused. This is just absolutely terrible customer experience and will result in me beginning to untangle all my finances with them. 

For what it's worth, I have a very high FICO ( XXXX ), more than sufficient income/ability to pay and a 30+ year relationship with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone use my identity to get medial attention also open several accounts using my personal info with out my knowledge I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Despite assurances from reputable banks and the validation of an identity theft report, these inaccurate entries remain unaddressed. Your failure to remove these accounts, despite clear evidence of their fraudulent nature, blatantly disregards the laws governing accurate reporting. It is evident that the bureau is not fulfilling its duty to properly investigate and rectify inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XXXX19, XXXX19 Incorrect balance, the date reported, and the account type is inaccurate. 

U.S. Bankruptcy Court # XXXX XXXX  XXXX   XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX DIVISION OF XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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.

15 U.S.C 1681 SECTION 602 A, states i have the right privacy.

15 U.S.C.1681 section 604 A section 2, states a consumer reporting agency can not funish 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 : ANY OTHERADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF COVICTIONS AND CRIMES WHICH ANTEDATES THE REPORT BY 7 YEARS 15 U.S.C. 1681S- 2 ( A ) ( 1 ) aa 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My deceased ex wife had a Barclays card. Before her death, I was none the wiser. At the time of her death, the card appears on my credit report. I have pleaded with all 3 credit bureaus, Barclays, etc for 3 years to have this removed. No such luck. 
My credit went from above XXXX, to sub XXXX because of this. The banks treat me like a 3rd class citizen. For the record : I do not have a credit card, a loan other than my mortgage, or any other loans. Nobody will move on this case. I have tried everything. 



Recent Letter to Barclays : FCRA Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Please Refer to Account : ( last four ) # Case # Barclays : ( XXXX ) XXXX Att : My name : Deceased Ex Wife : My credit report shows I am wrongfully on a Barclays credit card. Prior and after my divorce, my credit score was above XXXX. After the death of XXXX XXXX XXXX, my credit score sunk to sub XXXX. This is not my card. It belongs to a deceased ex-wife. For the record, not my card. 
I have been working on being removed for three years. I have had multiple promises from Barclays that I would be removed, none of my requests have been granted. For sure this is still on XXXX. 
My credit has been ruined from your card on my credit report. I have wasted hours, days, months, and now years arguing with person after person with Barclays. All to no avail. The Pain, suffering, and emotions distress that Barclays has caused me can not be described. 
I am requesting and demanding the removal of this card from my credit report. 
The 3 major credit bureaus have been contacted, and I have time after time been sent to Barclays.

1 : it was not on my credit score until the death of my ex-wife. 
2 : It was not on my score when she was still living. 
- While we were married, divorced, or she was alive, I was not on this card. After her death, I am not responsible? 
3 : I have never been sent a statement for this card. If I am on a card, or the card has a balance, how can I know without a bill or statement? 
Barclays did not seem interested in my credit report or the card being assigned to me until the time of her death. 
CC : FTC, the OCC, and the CFPB Sincerely,
Product: Credit reporting or other personal consumer reports

Ive called and sent letters to XXXX, XXXX and Equifax. I counted how many times each company violated my privacy ( 15USC6801-6805 ). XXXX had XXXX, XXXX had XXXX, and Equifax had XXXX violations. I sent them each a copy of my credit report with highlighted violations XXXX weeks ago and havent heard back from any. They also violated 15USC1681c- ( a ) and 15USC1681 ( 5 ) which says they can not put anything adverse on my credit report except convicted crimes, by putting credit card utilization on my credit report thats adverse info. When they add hard credit checks or soft credit checks thats adverse info also. There should only be the name of the credit card and paid as agreed with nothing else. I also asked them on the phone and highlighted all the old non-mailable addresses and phone numbers to be removed.
Product: Credit card or prepaid card

I can not access my account with my money. The account is owned by me, according to their agreement and their denying me access to the account. I have not had access to the account since XX/XX/2020.
Product: Mortgage

I have tried twice since XX/XX/XXXX to refinance my loan. The first time they indicated I need to be at my job 2 years before I can apply for refinance. In XX/XX/XXXX I had completed two years of employment. I was out of work for 4 weeks from mid XX/XX/XXXX to XX/XX/XXXX. First 2 weeks I was out due to XXXX with no short term XXXX offered with my employer. The last 2 weeks I was out due to XXXX. I totalled my car in XX/XX/XXXX, rolling the car in an ice storm. I suffered back injuries and minor cuts and bruises. I missed alot of work due to my back injury. My refinance was denied. I have completely drained my 401k, currently had a {$200.00} balance. I explained all of this to my mortgage company. Not once was I offered forbearance. I was in tears by the end of the call. As I am single and can not get help from anyone. 

I was fully vaccinated for XXXX in XXXX. I contracted XXXX a second time in XX/XX/XXXX. 

These last two months have been even more difficult as I am without a car, due to mechanical failure. I owe the IRS over $ XXXX and am trying to file bankruptcy. But I don't have the extra money for any of this. A personal tragedy, my granddaughter was stillborn two weeks ago. 

If my mortgage company would have offered a forbearance I would have been able to put some money back. I specifically asked if there were any programs available that could help me... I was not offered any of the available programs at the time. And of course at the beginning of the year my mortgage payment increased.
Product: Credit reporting or other personal consumer reports

XXXX ) XXXXXXXX XXXX website states I have 2 payments that are 30 and 60 days late within the last 9 months. I spoke with XXXX a few months ago to file my dispute but no information has been corrected on the website since then. The actual credit report shows that there are no late payments ever in the history. 

XXXX ) In addition, there are 2 credit cards listed as having been discharged through a XXXX  XXXX Bankruptcy ( XXXX XXXX and JPMCB. NO consumer debt was included in the bankruptcy filing because all consumer debt balances were at {$0.00} at the time of filing. The XXXX  XXXX was business related, not consumer related. Written proof of the legal paperwork for the Bankruptcy filing was provided to both creditors in XX/XX/XXXXXXXX. ( see attached letters ). I sent written proof to both XXXX XXXX  and JPMCB in XX/XX/XXXX. 

XXXX ) XXXX has yet to include my personal statement regarding the bankruptcy which contained a detailed explanation behind the XXXX  XXXX filing on the actual credit report. I provided all of this information to XXXX in XX/XX/XXXX.
Product: Credit card or prepaid card

3 years ago I pulled my credit report and saw ( 3 ) Companies listed on my credit bureaus showing I opened a line of credit with their Company ( Ginnys, XXXX and Main and Midnight Velvet ). I immediately contacted them and disputed the accounts. I told them they were not my accounts and I did not open the accounts. I asked if they could send me a copy of the application showing I opened the accounts. They refused, they told me that they send out catalogs with an offer to extend credit and my name was given to them via the list of applicants who are considered credit worthy and credit score is within a certain range. I immediately disputed the items on my credit bureaus. Per the credit bureaus the line of credit was opened on XX/XX/2016. After researching this issue I found out that one of my family members who lived with me at that time used my identity to obtain credit with these companies. I could not understand how credit could be extended to someone who never had access to my social security number. Well come to find out it is easy for just about anyone to get credit in your name from these companies. In order for me not to file charges against my family member, my family member offered to make a settlement with the companies and requested the items be removed from my credit report. I sent the letter offering 30 % settlement for all 3 companies. They responded and offered a 80 % settlement and told me that they would not remove it from my credit report and they would only list it as a settlement for less than full balance. I need to know what action can I take against this company for allowing this to happen. I am the victim here and after sending several letters, disputing my credit report and hiring several legal companies to dispute the items as well they still refuse to make good on their ability to allow someone to commit identity theft against me. I am willing to get an attorney who can fight this for me. I had an attorney who was assisting me with some business matters but they suggested I file a complaint with the CFPB office. Get this on record. I need help here. I will not file charges against my family member. They did however offer to settle this matter with these companies in which they do not have a lot of money. This company should not have allowed anyone to be allowed credit in my name so easily. They know exactly what they are doing. And to them it does not matter, but it matters to me.
Product: Credit reporting or other personal consumer reports

Called the company several times on there recorded line company said they removed the information it's still showing on credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX should not be reporting to XXXX  ; Experian and XXXX  that I was ( 30-60 ) days late in 2020 on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I was granted payment arrangements on this account via the CARES Act. ( I have also attached the call log information confirming my conversations with XXXX for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and needs to be removed. I have contacted XXXX  as well as the bank to remove these lates however, I have not been successful.
Product: Mortgage

we have been getting late night collection calls from our mortgage company because we are two payments behind. We have been in contact with the on a monthly basis to let them know why we are behind and when the next payment would arrive. The other night we received a call from the same number at XXXX. It showed up tonight again when the representative called and harassed us about all of the things we have given the information on just last month. The representative refused to accept my answers and threatened more harassing calls until the loan is brought current.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have called significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021
Product: Debt collection

They constantly keep harassing me, these charges has been on my credit report for years and I told them I'm a victim of identity theft. I never charged any of this debt. Please help me guys get my life back on track please!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd request..these are not my accounts, nor did I authorize these companies to run my credit.
Product: Debt collection

Speedy Cash XXXX sends me emails threatening to and stating they have activated a warrant for search and seizure, complete with a docket # and citations of supposed Constitutional law. As well they assert that I will be contacted by local authorities and threaten consequences if I do not contact them in a limited time frame.
Product: Debt collection

Debt belongs to XXXX XXXX XXXX XXXX. Ive XXXX Contact XXXX and XXXX the j formation. The account that they have belongs to XXXX XXXX XXXX XXXX. The account was/is a business accoubt for XXXX XXXX XXXX XXXX. I do not and have npt worked for XXXX XXXX XXXX XXXX since 2021. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Chase offers a service called Pay Over Time, which allows a cardholder to split up payments from large services into smaller ones. 

I made an XXXX XXXX purchase using this card, because I knew I could use the Pay Over Time feature. 

However, after getting notifcations in the app that my XXXX XXXX purchase was eligible for Pay Over Time, yet I could not activate the service. I contact Chase by phone and the respresentative kept reading from a script and not addressing the issue. So I sent in an email.

In the email process, it was discovered I still had a Pay Over Time purchase still on record, but it had been paid off months back. Chase researched the issues and found out there was an error in the system. The error has been fixed, but I'm still not able to use the Pay Over Time feature on my XXXX XXXX Purchase. 

After further discussion with Chase, they kept giving me the run around, and took weeks for a " supervisor '' to provide me with a generic answer. At no time did they offer to fix my issue or offer any type of compensation for their error causing me having to pull money out of other savings to cover the purchase ( so I didn't pay interest, as I could not use the marketed feature ). 

They sent me an email stating they would not address my issue anymore unless new details came up; but they never addressed the issue. They admitted an error which negatively impacted me, and now I'm out almost {$900.00} all at once, which was not planned or supposed to happen if they abided by their own terms and conditions. 

I would like Chase to refund me half of XXXX XXXX bill in a check ( not an account credit ) or ideally, refund me the full amount as again, they admitted a system error happened which affected my ability to utilize the features of my credit card as advertised and their customer care team was more focused on trying to close out the case, delay me, give me the run around, basically stall me in hopes the issue would go away instead of abiding by terms and conditions as set forth by them and financial regulations.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/2024 I went to XXXX in XXXXXXXX XXXX ( address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) and bought a single milkshake which cost around {$7.00}. I paid through the drive-thru with XXXX XXXX using my Bank of America debit card. I was not given a receipt. The next day XX/XX/2024 I noticed XXXX had charged me {$420.00}. I figured it was an error and filed a dispute with Bank of America, who told me they would investigate. About a month later they told me they denied my claim due to lack of evidence and said since I used my XXXX XXXX, that it couldn't have been fraud. I then went in person to speak with the XXXX of XXXX to see if they could pull up the receipt for the transaction so that I could show Bank of America and get my money refunded. However, the XXXX let me know their financial records erase after 30 days. I even tried contacting their corporate phone number, but could not reach anyone that could help me. I once again tried to file a dispute with Bank of America letting them know what the XXXX had told me and trying to explain my situation. They once again denied my claim a couple of months later. I don't know what else to do to get my money back since it is clear that it was either an error or my money was stolen from XXXX. I am closing my account due to being unhappy with Bank of America 's service during this situation, however this is my last effort to get my money back before I do so. I have also recently filed a complaint with the Better Business Bureau with the same information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX falsely reported to the 3 Major credit bureaus ( Equifax, XXXX XXXX XXXX ) that I was late in paying them and that I did not pay my last bill. XXXX XXXX took money out of my account that was not correct and promised to issue me a refund and provided a refund reference # XXXX and did not adhere to there promise. XXXX corporate office has made unethical aggressive attempts to ruin my credit profile by submitting false information such as me being late on payments and not paying. My XXXX XXXX account was cancelled back in XXXX of XXXX. XXXX XXXX was paid the amount {$680.00} they alleged on XXXX  through auto payment. My account with XXXX was Voluntarily closed in XXXX of XXXX. XXXX mission to intentionally ruin my name because I cancelled service with them. Despite efforts for them to pull calls and provide proof they have relied on their system errors and has proceeded to report false information to all 3 major credit bureaus. They have also sent my personal information without my permission to a Third Party Collections Agency XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. This is concerning because this company operates in XXXX but uses a US address as a cover up. XXXX XXXX refuses to provide me employee # s or full names for my record. They will only provide me first name and reroutes my calls to collection agency. I have reported there unethical practices to FCC and FTC and have made numerous attempts to prove to them they are wrong with the information they have. I have sent dispute letters to the 3 major credit bureaus.