23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Just the other day I ran an XXXX  credit check and much to my surprise, I had issues on my report. There was a joint application for a closed TD Bank N.A. account with {$2400.00} left outstanding. I called the US credit card fraud service and after an hour+ was asked to call the cross borders number and after another hour + was told that this fraud was not on a XXXX card since the only info I have is the first six digits from the XXXX  report - XXXX. 

I have attached the printout and the following is all I have on my side : Credit Card : TD Bank N.A. 
My name is XXXX XXXX XXXX. I go by XXXX XXXX. 
My last four digits on my social is XXXX. 
It says it was a joint application. The only joint application would be with another of my family - XXXX XXXX, XXXX, XXXX or XXXX. No other joint would I go after My address is XXXX XXXX XXXX in XXXX, MA XXXX The address that is on my credit report that is not mine is XXXX XXXX  XXXX XXXX, XXXX, NC XXXX.This may be a way to lookup the past fraud. 
I also have an employer on my credit report as XXXX XXXX The account was opened XX/XX/XXXX. XXXX The account was Closed in XX/XX/XXXX There was a remaining balance closed of {$2400.00}. 
My email is part of the email and I can be contacted by cell phone at XXXX.
Product: Debt collection

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps splitting my file into two files and they keep asking for documentation every couple of months. This is an ongoing issue with the company
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX
Product: Debt collection

I Response to The dispute I Sent out XX/XX/2022. World Finance Hasnt Showed Proof that The Alleged Accounts/Transactions Dont Qualify! Which is False. They still havent shown anything that I Gave them Permission To Report My Nonpublic Information To an non-Affiliated Third Party. Thats identity Theft! Do they know how the FCRA Works and who it protects Im an Natural Person Im an consumer! Your company is in Violation of 15 USC 1692f and its Subsections.

Who are they to tell me their going to keep reporting Fraudulent information accounts will continue to be furnished to the credit reporting agencies ( Agencies ) for a total of seven years from the date of first delinquency per our obligation under the Fair Credit Reporting Act ( FCRA ) If its and obligation then why are you reporting False and Inaccurate information which I dont consent nor give permissible Purpose. Saying that I Allegedly owe is Very deceptive per 15 USC 1692j. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

I still havent been shown any Proof
Product: Vehicle loan or lease

their website will never work iv tried on two phones and a laptop and they simply refuse to set up auto pay over the phone after calling in multiple times and given different answer every time asking for a sup no one will help me set up auto pay and the site will not work either have tried multiple different days and still wont work
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting, consumer has advised ALL the inquires reported was fraud. said the company had 4 days according to LAW to remove such items. Consumer is requesting EQUIFAX to provide documentation used to determine inquiry was indeed authorized by the consumer. EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature, consumer is Not asking for e-oscar report. if EQUIFAX does not have documentation to show these were in fact authorized it must be moved asap. SAID the company is liable under the SEC to follow certain rules. EQUIFAX Commission file number is XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX i will be filing form 211 treasury omb forms to audit consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.

Which is a violation of 15USC Code 1692g FCR section ( a ) ( 3 ) m
Product: Credit reporting

I requested the information on my Equifax for the XXXX XXXX account be verified because there was some discrepancies regarding last payment dates, incorrect amount on last payment amount received and Equifax keeps coming back with information verified but the information is not being updated. This is the same for the XXXX account on the credit report as well. The Date of First major delinquency and Last payment date is inaccurate on this account. I have requested this on several occasions to be reinvestigated and/or deleted and they refuse to do their job. I demand to know how this information is being verified if it is indeed incorrect. The information on my XXXX and equifax credit report are reporting XXXX different thing.
Product: Credit reporting or other personal consumer reports

Please remove this address from my report XXXX XXXX XXXX XXXX XXXX I don't live there
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, I submitted disputes to the credit bureaus for an account appearing on my credit report, XXXX XXXX XXXX. I never received a response back so I went to the company directly and mailed them a letter on XX/XX/23. Still no response. Then I filed a complaint with the CFPB bureau, the company finally responded and said they mailed a letter on XX/XX/23. I believe this is a lie, because today is XX/XX/23 and the mail does not take 30 days. All I requested was simple validation/verification of the debt, any information at all, and the company also stated in their response to my complaint on the CFPB website that they could not provide me with any documentation, but that I had to go to a local branch. MAJOR RED FLAG. As I continued to wait on the mail they said they sent, I went over the letter again they posted in the CFPB website. The letter was photoshopped and it is so easy to see. My name, account number, and DATE, were photoshopped on a letter, I guess to make it look like they actually processed my letter to them. They continue to report information on my credit report, yet are unable to send me any information and are doctoring letters to make it look like they received my letters and responded to them. I have yet receive anything from XXXX, Equifax, or XXXX about this account, and my credit report does not say that this account is in dispute either.
Product: Credit reporting or other personal consumer reports

Account number XXXX XXXX this is a XXXX XXXX XXXX I didnt give permission to furnish this account this amount is incorrect this is not my account The name on this is incorrect
Product: Vehicle loan or lease

I contacted Auto Approve requesting a refinance loan on a XXXX XXXX XXXX owned by my grandson and financed through the XXXX dealership in VA. 

I wanted a {$25000.00} loan in my name, to get the much lower interest rate I qualify for with Credit ratings over XXXX. My grandson would act as co-signer and pay me the monthly payments for the loan that I would be legally responsible for. An initial estimate on their website showed I should be able to get a loan at less than half the interest rate he was paying, I provided all the required information over the phone, as did my grandson, who also had just started a new full time job as an XXXXXXXX XXXX XXXX, I also unfroze my Credit reports so Auto Approve could verify my credit. 

I was told by XXXX XXXX that they would not issue a loan. No reason was given except a claim he was denied because he was a XXXX XXXX. They had been previous told that was before he started with XXXX and in any case the load was to be in my name not his, As mentioned I have outstanding credit, which was not even checked by Auto Approve and the last email said I should reapply when I had just completed the application a few days earlier and was told it was complete on my end. 

They have failed to contact me further.
Product: Credit card or prepaid card

XXXX XXXX made APPT @ WELLS FARGO XXXX, GA, reason for the APPT to pay off my Personal Platinum card & Pay-Off and close my BUSINESS DEBIT I paid OFF both XXXX, I also ask the Bank Associate- to SHRED the CREDIT. 

XXXX I received a alert on XXXX XXXX, that my Information was sold on the Dark web, 2 different times in XXXX. I notified each of credit card company of my concerns as well as my personal & business accounts I was told to reset my password On XX/XX/2020, I was sent a alert stating my CREDIT SCORE dropped 41 points due to WELLS FARGO PAYMENT 30 days late, I reached out WELL FARGO, escalates the call to XXXX XXXX XXXX XXXX @ XXXX XXXX took the complaint, ,advise that I go back to the WELLS FARGO XXXX I closed the ACCT, an share with then that 1. The Card was NEVER CLOSED, PAYMENT was made on the BUSINESS ACCT, No post on the Platinum ACCT. 
I then called the XXXX police department an notified the Police Department that my personal details was compromised @ XXXX location 2. my ACCT was never closed,3. And another CREDIT CARD was ordered in my name! 
Ending in Number XXXX, That I NEVER AUTHORIZED Ive literally had to CALL OVER 43x, to follow up with the WF EXECUTIVE OFFICE, an they were suppose to Notify the CREDIT BUREAS of the Mayhem they have caused me, I was given 6 different CASE SPECIALIST to rectify, this Issue Only 2 followed Up [ XXXX XXXX XXXX in XXXX XXXX, IA ] I was told that my information would be updated. letter to All XXXX bureaus were Supposed to be Notified so my Credit Score will be updated. 
As Of XXXX XXXX, my Score has dropped 65 points, an is crippling me from receiving Any resolution for my Business Credit, as Well as my Personal credit. 
I can not believe these BIG BANKS, can get away with this type of malice ruining consumers lives
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for loans from XXXX XXXX XXXX  and XXXX XXXX  DBA XXXX XXXX. Now there are a total of 4 hard inquiries on my credit report that need to be removed.
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. 

Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have reached out to the CEO of XXXX XXXX XXXX multiple times about deleting a late payment from my report. The payment history is not accurate, as the account was paid in full and closed. Have not yet received a response from CEO nor can I reach a live representative
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significanXXXX XXXX and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE : XX/XX/20 ACTION : ASK TO REMOVE OTHER NAME VARIATIONS AND ADDRESSES
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts on my credit report, which resulted from a data breach that compromised my personal information. In accordance with the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be removed from my credit file immediately : Fraudulent Accounts 1. Creditor : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$6400.00} 2. Creditor : XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$6900.00} 3. Creditor : XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$8400.00}
Product: Credit reporting or other personal consumer reports

Unable to access Equifax credit report. Equifax states they were unable to verify my birthday. I believe it is because I have a split file or something. I have investigated the error codes via the internet, and someone else had this issue and suggested this maybe the problem. 

When I log onto equifax website I get error " BLNK '' and I am unable to view or check my credit. I already lost one house rental that solely uses equifax to pull a report. Equifax blocked their request. This has been going on since XXXX. 

I am unable to access my report via XXXX XXXX  the equifax website and creditors are unable to pull my equifax report. 

I was told if I sent documents in verifying my birth date that it would fix the issue. It has not fixed the issue. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 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. 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.
Product: Debt collection

I contacted this company on XX/XX/XXXX to settle and old debt. I spoke with a representative in the collections department named XXXX in the South Carolina Branch and I I explained to her that I would be willing to paid {$300.00} in order for the debt to be settled and the balance would be {$0.00} on my credit report. She assured me that is would be okay so I called her back on XX/XX/XXXX to complete the {$300.00} settlement payment. I made the payment over the phone and she told me that the debt is settled and the balance is {$0.00} and that I could pick up my receipt stating this information on my lunch break. I picked up my receipt from the the local brach on my lunch break on XX/XX/XXXX. Today, on XX/XX/XXXX I received a letter in the mail stating that I still owe a balance of {$120.00} and that I need to schedule an appointment to make my next payment. I don't owe them anything. We agreed on a settlement amount of {$300.00} and I have already paid that. This outrageous and unprofessional. This company needs to update my credit report to show that the account was settled and the balance is {$0.00}.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT HISTORY AND CAME ACROSS FRAUDULENT TRANSACTIONS, PLEASE REMOVE THOSE ACCOUNTS FROM MY CREDIT REPORT. SO I CAN HAVE CREDIT
Product: Debt collection

A security alarm account with XXXX was approved and opened fraudulently under my name to which I have no knowledge of XX/XX/XXXX in XXXX XXXX XXXX The account has now went into collections which is how I've discovered it to be a fraud activity. 
XX/XX/XXXX I started receiving text messages from ( XXXX ) XXXX stating they are with Zion Debt Holdings and have purchased the account from XXXX and is now attempting to collect. I text and stated I have no knowledge of the account and they told me to file a police report. XX/XX/XXXX I filed a police report and sent it to the email they gave me to send it to. They proceeded to text and tell me I have to file charges on whoever set up the account in which I have no knowledge of who set up the account. I responded asking for a copy of my ID or any other accurate personal information they should have about me. They're last response was " Sorry, this service is not available '' on the same number they've been texting me from for weeks. It appears that my name was used to set up an account with no other accurate personal detailing information. I am asking for this to be removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX
Product: Checking or savings account

As stated, I had a pending overdraft amount of approximately {$480.00}. I made a cash deposit of {$500.00} to the ATM at approximately XXXX p.m. to cover the charges, under the premise if the deposit was made prior to the " next business day processing '', which begins at midnight, I would not be charged overdraft fees on the transactions. 

The next day when I looked at my account, I saw XXXX overdraft fees for {$35.00} each. This made my account overdrawn again. When I contacted the bank and asked for an explanation regarding why I was charged overdraft fees when I made the deposit at approximately XXXX p.m., which is prior to the processing deadline of midnight, I was told the " ... The time for making deposits is based on EST, not XXXX. '' This blew me away because any other banking transactions are processed based on midnight, XXXX, not XXXX. They granted me reversal of XXXX of the overdraft fees, but refused to credit back the other XXXX, which meant my account was still overdrawn again, no fault of my own. Had they not charged the overdraft fees, my account would not have been overdrawn after making the ATM cash deposit. 

This is them piling fees on top of fees to rip off its customers making sure we can never get our heads above water. The bank is Wells Fargo and I've been banking with them since 2012.
Product: Credit card

I have recently checked my credit report with XXXX credit report and was shocked because I discovered that Capital One Bank was opened under my name without my knowledge. I did not recognize this account. I am a victim of identity theft. My credit report 's true and accurate creditworthiness has been damaged by Capital One Bank wrong reporting. I am hopeful that under the laws of the Fair Credit Reporting Act ( FCRA ) you will investigate and send a notification to the credit reporting agencies and original creditor to DELETE the fraudulent information from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries i dont recognize on my report Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX