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

MY NAME IS XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX Todays date XX/XX/year> I have recently disputed this account it was updated but my request was to DELETE credit card ACCOUNT NAME XXXX  XXXX XXXX  ACCOUNT XXXX # : 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days CREDIT BUREAUS XXXX  IS IN VIOLATION OF THE FAIR CARES ACT LAW. This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the USA as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already mad an identity theft claim thank you.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite this attempt to rectify the situation. In regards of providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Through my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I wany you to help me to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Chase bank delayed a payment and made it looking not existent when apparently hours later the payment came while a second payment seconds apart went though. As a result two payments were made and facilitated stealing of the money by the person who received it. Chase bank blames XXXX XXXX XXXX the person who received it not returning it but fails to refund us for a mystery second transaction that comes through by surprise and late compared to a second one. They had server problems and refuse to take responsibility for our stolen money of a large amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank is reporting On my Transunion report this account is Fraudulent account it is Fraud I have already provided Transunion with the Police report stating that it is Fraud and Not my account as well as a victim of Identity theft. I have Called and Sent in several disputes and letters and they have Not removed this Fraudulent account Please Have them remove it because they are violating the FCRA. This Inaccurate information reporting is effecting my credit. Below is the Fraudulent information I have also attached a copy of my police report as well. Below Open Date XX/XX/2016 Account Number XXXX Current Balance XXXX
Product: Consumer Loan

I opened a vechicle loan with Wells Fargo Auto XX/XX/XXXX. On my XXXX credit reports, Wells Fargo is reporting XXXX entries for auto loan, XXXX date with the correct date XX/XX/XXXX and the other with the incorrect date XX/XX/XXXX I never had or opened a auto loan with Wells Fargo Auto XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX have failed to do their job on the data breach FTC violation that caused my credit report harm Transunion and XXXX has done a great job looking. into the FTC violation but will be added to the security so they can check on updates
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the student loan accounts with Experian for several attempts to no avail..The student loan should not be reported on a credit report since its a government funded loan and only private funded loan should be displayed..Worst the loan is reported duplicated..Remove XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX
Product: Credit card

XX/XX/XXXX statement charged XXXX interest Called them issued credit for XXXX XXXXXXXX interest XX/XX/XXXX statement charged XXXX interest XX/XX/XXXX charged XXXX interest called twice Was told computer does not mistake. 

This is j c penny Mastercard through Syncrony bank. Closed account months ago and have not charged since then.

They can lookup account number with my Cellphone number Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the companies three months ago multiple times because I pulled my XXXX credit reports because I am in the process of purchasing a home and noticed a lot of inaccuracies a crossed all three credit reporting agencies. For example, one of my accounts states I was late on XXXX XXXX  times, XXXX XXXX, and Transunion XXXX. Another example, one account reporting open on XXXX and closed on Transunion. There are also collections reporting on my reports I never did business with that don't belong to me. The Reporting Agencies refuses to remove unverifiable late payments and accounts. 
In 1970, The Fair Credit Reporting Act was passed into law to help ensure the accuracy, fairness, and privacy of the information in consumer credit reports. The FCRA requires Reporting Agencies remove outdated negative information and inaccurate information disputed by a consumer. Individuals have the right to request a copy of their credit report, to dispute incorrect information, and to ask for verification of the information contained within each credit report. 
If the Reporting Agencies can't validate or verified accounts with proof, the account must be deleted immediately. The reporting agency keep sending me documents stating accounts was verified without providing me proof. I keep asking for proper documents the agency 's are using to validate and verify account information but never received it. 
I just want fairness and accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to XXXX for a Line of Credit for my XXXX XXXX.I was denied credit on the basis of a Credit Report provided by Experian.Review of my Experian and XXXX  Credit report revealed two XXXX XXXX Accounts the First Account with a Balance of {$6400.00}, Limit {$8700.00}, Usage 74 % Status : Current.This is the Account that does not belong to me.The Second Account XXXX XXXX/XXXX and XXXX/XXXX Balance {$7900.00}, Limit {$8700.00}, Usage 91 %, Status : Current Open XX/XX/XXXX is my Account. 
I submitted a Dispute to Experian on February 19,2019.I telephoned XXXX XXXX Customer Service no fewer than 10 times, Each time, I was told that they had researched my account.And it was determined that the second account was the only account that was associated with my Social Security Number.And that only one Account was being reported to Experian.I informed XXXX XXXX   Customer Service multiple times that Experian was listing two accounts with two different numbers on my credit report.XXXX XXXX insisted that they were only reporting the second account.I telephoned Experian regarding the results of the dispute.I was informed by Customer Service that XXXX XXXX verified that " Both '' accounts belonged to me.Experian was contacted XX/XX/XXXX.Last contact with XXXX XXXX  Customer Service XXXX XXXX at approximately XXXX EST.I again stated to Experian and Customer Service that the issue of an Account that does not belong to me, is still being reported as an account that I am responsible for.Both parties have failed to correct erroneous information that has been overwhelming harmful.
Product: Debt collection

I submitted a letter requested a statement bearing my signature, it past 30 days they never respond
Product: Money transfer, virtual currency, or money service

this complaint is against XXXX XXXX ceo of apple and his company, apple. 
i purchased with 2 credit cards an iphone at an apple store.the phone is beset with problems, doesn't ring when called and changes typed text messages in both english and XXXX and changes many of the words typed into other unintelligible words and makes the messages either extemely confusing or worse yet they can not be understood by the receiver. 
i took this problem to the apple store where i had purchased the phone from the store manager ... the clerk " helped '' me putting out a minute of time and expertise with instructions that i carried out in front of her.she said both problems were fixed, i said thankyou and left.the situation was unchanged.i decided to return the phone and activate my broken screen, XXXX XXXX phone, that the only thing wrong with it was a broken screen from me dropping it on concrete ... .however it still worked. 
after the XXXX  store to activate and deactivate, i went to the apple store to return the phone.they accepted the phone, erased everything on i, t and gave me the two slips that are attached ... .they said " everythings done '', i said thanks and left ... that was in business hours before XXXX yesterday XXXX XXXX 
today, there is no indication of a credit transaction pending on either credit card for the refund of credit..they have my phone and i have nothing except the slips of paper for a refund of the XXXX made junk product that violates all of california 's implied XXXX law regarding this disheartening transaction.
Product: Debt collection

On XX/XX/XXXX I sent a certified letter to Wells Fargo Bank, N.A XXXX Wells Fargo Auto Account # XXXX XXXX XXXX questioning the validity of the forgiven debt they continue to report to the Credit Reporting agencies. Please see attached the 1099-C tax form I received from them on XX/XX/XXXX. 

According to well-established precedent, once a debt has been forgiven it should be removed from a consumers credit report as it provided a tax benefit to the lender/creditor and a tax burden to the consumer since he or she has to pay taxes on the canceled debt and also claim it as taxable income. 

In re XXXX, XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX XXXX XXXX ) ( " The actual ( or at least potential ) tax consequences of the form make it inequitable to allow the [ creditor ] to enforce its claims against the debtors '' ) ; XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( A ), XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX XXXX ) ( holding that it is inequitable to allow [ a creditor ] to belatedly enforce the alleged debt after it received the tax benefit of the charge-off ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ( issuance of Form 1099-C after debt was written off is " prima facie evidence '' that debt had been discharged by creditor, sufficient to create an issue of fact ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX. XXXX XX/XX/XXXX ) ( It would be inequitable to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. '' ) This forgiven debt should no longer be reported on my consumer 's credit report and I ask that the company stop doing so immediately.
Product: Credit card

On XX/XX/year> I received alerts from XXXX XXXX I had applied to multiple credit card/ retailers, but I did not. I immediately check XXXX  froze credit account and disputed false information such as address and telephone number. After reviewing credit reports the last 2 months I did not notice any new accounts and assumed nothing was approved. On XX/XX/year> I received email alert of a new account was open with XXXX XXXX I did not apply or open a new account. I tried disputing account and inquiries with Equifax who states inquiries are valid so will stay on account for 2 years, presently still awaiting results to close account/remove inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX of XXXX wired payoff funds to Chase, XXXX and escrow disbursements to XXXX XXXX. On XX/XX/XXXX, XXXX paid off my XXXX and XXXX XXXX acknowledged receipt of tax payment. Chase also paid taxes around this date despite being in contact with XXXX XXXX which created an escrow advance, but they did not post payoff funds on the mortgage, claiming to have only received it on XXXX. On XX/XX/XXXX, Chase transferred my mortgage to XXXX XXXX. On XX/XX/XXXX XXXX paid off the mortgage and are now saying I owe them money for a short payoff. I've contacted XXXX XXXX, XXXX XXXX and both Chase and XXXX and am getting nowhere. I should have a refund, not a shortage.
Product: Bank account or service

I closed a secured credit card account with Wells Fargo on XXXX/XXXX/2016. I was advised that I would receive my collateral funds within 7-14 day. Now I am being told it will be 45-60 days. Wells Fargo has multiple times they have given me " incorrect '' information and can do nothing but " apologize. '' When I questioned the second banker if I could file a formal complaint, she stated that the only way to do that was to step into an actual branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit reports ( XXXX, XXXX, XXXX ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all XXXX credit bureau agencies because it is making it very difficult for me to acquire credit.
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2021 I checked my Transunion credit report and it was showing that I owed a balance of {$150.00} on a loan from XXXX XXXX XXXX XXXX and this is false. This loan is fully paid up and the loan is closed. I am there fore asking Transunion to delete XXXX XXXX XXXX XXXX from my credit profile as the account is fully paid up and no funds are owed to XXXX XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX occasions I've sent in a FTC Identity Theft report to the XXXX major bureaus and have not received any confirmation of receipt or any action. I need this fraudulent account removed to purchase a home and its becoming increasingly frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive previously contacted Capital One via mail requesting the updating of inaccurate information XXXX late payments XXXX on my credit report.They sent a letter refusing to XXXX update the information on XX/XX/2020. Then After emailing their CEO explaining my issue I received a call XXXX/XXXX/202. The representative wanted me to tell her my story and afterwards she told me they refused to remove the information again. Tell me that isn't unfair? 

I am very unhappy with the unfairness and inequitable practices of Capital One. 
After reporting the presence of inaccurate information on my credit report and requesting that the information be corrected. As accuracy is a measure of value, I was told that this information was valuable to my life and that it could not be changed. In addition, my reputation has been ruined as Ive been denied credit increases and extension of credit by multiple lenders due to Capital One reporting these late payments. 

According to XXXX XXXX XXXX XXXX - Harassment or abuse A debt collector XXXX not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use or threat of use of XXXX or other criminal means to harm the physical person, reputation, or property of any person.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have been applying online to get a personal loan for the past few days. I was contacted by a company called Freedom Plus and the number they called me from XXXX and the name he gave me was XXXX XXXX, he said I would be approved and he sent me the information via email. I went to the website freedomplus.com and everything seemed legit. Until he asked for my bank log in information to verify that my direct deposit which I have had to do with another loan spot so I went with it. Then he told me that he would call me back this morning. So I called my bank last night and noticed my debit cards were missing. They immediately transferred me to the Bank of America Fraud Department and said all my 3 of my accounts were being closed right away because the activity they see is definitely fraud so now I don't have any bank accounts and my XXXX money from the VA will just be sent back until I can open an account somewhere else. Please don't let them do this to anyone else.
Product: Credit card or prepaid card

On XX/XX/2020, a fraudster pulled an inquiry through XXXX in my name for a Capital One account. This has been confirmed through XXXX. I received a scam likely call the morning of XX/XX/XXXX, identifying as the Capital One fraud team for a new application. I did not answer or call that # back ; rather, I called Capital One directly, to which they indicated there is probably no application in my name, but their application team doesnt work on the weekends. About an hour later, I received an alert from XXXX ( via another credit account legitimately in my name ) indicating my credit was pulled from XXXX on XX/XX/2020 for an application to Capital One and another application to a different creditor. The additional creditor was able to decline the application immediately & request the inquiry be removed from my XXXX report. However, Capital One asked me to call back on Monday to talk to their new application department. Since there is actual fraud in my name with Capital One, Id appreciate this be immediately resolved.
Product: Debt collection

I previously filed a complaint about XXXX XXXX XXXX claiming I owe {$720.00} to XXXX XXXX XXXX XXXX The company is also listed as LVNV Funding LLC ( Current Creditor ). I need LVNV Funding LLC to remove my name from this debt, as it is not mine. I have never lived in XXXX  and have never started an energy account there. I am unsure if this is a case of identity theft or a scam, but it is affecting my credit report. My maiden name is being used on the account, which has not been my name for a decade.
Product: Credit reporting or other personal consumer reports

I checked my XXXX XXXX account and notice that I have an inquiry on my report that I did not authorize. The inquiry is from XXXX XXXX  ; for XX/XX/year>. I immediately called TransUnion, since I didnt make this inquiry nor was I aware of it. A TransUnion agent told me to go online to their dispute center. I did so, and noticed that there are dispute buttons next to every section, besides the inquiries section. Therefore, I called TransUnion back and an agent told me that there is nothing they can do to help me. The agent was only able to put a freeze on my account ; nor did they help me with placing a fraud alert on my account. Note : I called XXXX XXXX  and was told that my information was not on file and they are unable to help me due to no information being in their system. Also, I sent a dispute letter through mail, to TransUnion.
Product: Credit card or prepaid card

On XX/XX/2021. I received a call from US Bank Cardmember ServXXXX asking me if I had a card number ending in XXXX. I was confused because I do not have any card ending in XXXX. Later I learnt that this card ending in XXXX was the replacement card for the XXXX XXXX XXXX, but I have never received the card. The representative said there were suspicious transactions and believed there were fraud activities going on. I made sure that I do not own the card and I did not make any transaction using the card. She assured me that everything is taken care of and closed the account immediately. The total amount of {$4000.00} were made on XX/XX/XXXX and XX/XX/2021. I don't even know the whole 16 digit card number as I've never received or seen this card. 

3 weeks later I received letter from US Bank Cardmember Service claiming that after their investigation, they will make me liable for these charges. The reason is the card was activated from a phone number that is shown on my account. US Bank also called that phone number to verify. This is ridiculous because I never have that phone number. I tried to work with their agents and all I learnt that all they did is keeping calling that fraud phone number to verify, which is totally illogical. 

The issue is obvious. Someone hacked into US Bank Cardmember Service system and added a phone number to my account. With this phone number added, they may have changed my address so I never received the card. They activated the card using that phone number without being confirmed of the identity. US bank does not do any identity check but just use that phone number as identification. Whoever owns that phone number is the apparent criminal of this case. 

US Bank Cardmember Service should do the real investigation to chase the criminal who hacked into their system, but they did not. Instead, they simply blaming it on me stating that since the phone number is on the account, they are making me liable for these fraud transactions. This is totally unacceptable.