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

On XX/XX/XXXX, I discovered my credit score dropped XXXX points due to an incorrect collection from XXXX XXXX  XXXX for {$130.00} on my Experian report. 
On XX/XX/XXXX, I successfully disputed this collection with XXXX. When I pulled my XXXX report, I confirmed that the collection was not on that report. However, Experian has blocked me from accessing my report and disputing the collection. 

I have attempted to log in over two dozen times. I have reset my password, username, and even tried creating a new account. Nothing worked. I then spent over five hours calling multiple departments ( Fraud, Customer Service, Member Services, Credit Disputes ), and each time, I was either disconnected, given no resolution, or hung up on. 

Experian is legally required under the Fair Credit Reporting Act- allow me to dispute inaccurate information, yet they are preventing me from doing so. I have exhausted all possible methods to access my report and submit my dispute, and they are failing to provide me with a resolution. 

I request immediate access to my credit report and an expedited dispute process to remove this incorrect collection. I can provide proof if necessary, including login attempt records, call logs, and failed dispute attempts.
Product: Credit reporting or other personal consumer reports

My account with MACYS/CBNA was never late! I have had exceptional payment history with MACYS/CBNA and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

MACYS/CBNA Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, 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 confidentially under 15 USC1681. 

Account name : XXXX, Acct. # XXXX, Account name : XXXX XXXX XXXX XXXX acct. # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A Section 2 States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 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

The credit inquiries that are listed on my credit report arent mine. I have not applied for anything at all. I also put that if anyone applies for credit the credit bureau will have to reach out to me. None of these companies called me so someone is out here applying for credit and none of The companies called to verify that its me. 


XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XXXX XXXX XXXXXXXX XXXX XXXXXXXX date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I printed a copy of my credit report from Trans Unions website. As I was looking over the report I identified some employer information that does not belong me. I have never been employed by the following employers. 

XXXX XXXX XXXX XXXX XXXX Please removed these employers from my credit report immediately.
Product: Money transfer, virtual currency, or money service

I received a 1099-K from Block, Inc. ( Square , Inc. ) with Cash App information on it. All my personal information on the 1099-K was correct. I do not have a Cash App account nor have I had any outside business transactions. I did receive a Cash App card earlier in the year but when I called Cash App about it, they told me to ignore the card since my phone number was not linked to the account opened with my name.

I contacted Block, Inc. and they directed me to contact Cash App. When I contacted Cash App, they advised for me to file my case to identityfraud.gov and to file a police report, in which I have done both.

I also contacted Block to re-issue a corrected 1099K and they have stopped communication with me after several follow ups.
Product: Debt collection

Debt collector contacted my place of employment and told them that they would take legal action against me if i did not get the message to call them by the end of the day ... Also gave them a case #. The debt is from XX/XX/XXXX ... statue of limitations has passed in XX/XX/XXXX. They contacted me today and told me that they would be delivering court papers to my resident and my employer and told me they have already contacted my supervisor about the procedures of coming onto property. I see this as scare tactics.
Product: Checking or savings account

About XXXX days ago, I tried to access my account and found it locked. I called and was told that they were closing the account, no explanations given. At the time I had {$100.00} on deposit and they have not yet returned it to me. The balance has not changed since they closed it. 
A second issue is prior to closing account I had submitted a wire transfer from my account in the amount of {$1900.00}. The next day I called to cancel it and they said they had to do an investigation and it would take 180 days to resolve. It was going to someone in England. I think that is too long, I cant afford to be without my money and when I call for status I get vague answers and different every time. I dont understand why they are treating me this way I have attached a copy of the only thing Ive received from them dated XX/XX/2023 regarding the 1st issue. I have never received any correspondence regarding the wire transfer and no longer have access online to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting incorrectly a collection in the amount of {$19000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and is in good standing. In addition to the account being paid, the statute of limitations in Texas for reporting a collection is ( 4 ) years. It is a violation of the Fair Credit Reporting Act to report an account that is over ( 4 ) years old. I have attached additional documentation showing a different address of where I was residing when this account is being reported. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 24 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account :XX/XX/XXXX Account XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Money transfer, virtual currency, or money service

I have received a letter from amcol system Inc about the amount I owed at XXXX XXXX XXXX XXXX and I do not complaint, I just want to let you know that I already sent a money gram # XXXX for the amount {$50.00} on XX/XX/2022.
Product: Debt collection

LVNV FUNDING LLC is reporting a derogatory account transaction on my credit report without any written consent from me. I have never done business with the company not signed any contracts with the company. The company 's actions have damaged my credit rating and affected my household 's access to credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is in clear violation under the FCRA 15 USC 1681 ( b ) permissible purpose of consumer report. The law clearly states ( a ) in general subset to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX XXXX permission to furnish my utilization. Furthermore the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( 1 ) exclusions from a consumer report clearly states : ( 2 ) exclusion except as provided in paragraph ( 3 ) The term consumer report does not include - ( a ) subject to section 1681 ( s ) -3 of this title any- ( i ) Report containing information solely as XXXX transactions or experiences between a consumer and the person making a report. Utilization is an experience with a line of credit that was extended between the consumer ( me ) and the person ( XXXX XXXX  ) thats making the report. Congress clearly states that the report of transactions or experience between the consumer and the person making the report is not included on the consumer report. Therefore XXXX XXXX is in violation of the FCRA 15 USC 1681 ( a ) ( 2 ) ( i )
Product: Checking or savings account

I have been the victim of Wells Fargo opening three accounts which I did not authorize. They were opened by Wells Fargo employees. Case numbers were XXXX Related Case Number : XXXX. I just received an Email from Wells Fargo saying that I had tried to open an account with Wells Fargo using email address XXXX. I haven't worked at the establishment for 1.5 years. I feel that once again Wells Fargo will fraudulently open an account for me and then bill me as their employees practice deceit. I would never open a Wells Fargo account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with transunion to delete all inaccurate information that is hindering my file. this has been an on going issue that needs to be resolved. please review an delete all information listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian two letters disputing an inquiry that is on my credit report, the inquiry in question is XXXX & XXXX XXXX XXXX and the inquiry date is XXXX/XXXX/2018. I asked experian to provide me with the original documentation bearing my signature and they have not provided me with anything. I am contacting the CFPB because I dont know what else to do, EXPERIANs own website says that creditors need permisible purpose from me as the consumer in order to do a hard pull on my credit and that is what I want experian to provide me with, if they cant provide me with this information then I want this inquiry deleted immediately. The FCRA says that permisible purpose is also needed from me as the consumer.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) THAT YOU, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX in XX/XX/XXXX under the account number ( XXXX ), in the sum of {$490.00}. Credit card account opened at XXXX XXXX in XX/XX/XXXX under the account ( XXXX ) in the sum of {$1800.00}. XXXX XXXX XXXX XXXX XXXX XXXX  account opened XXXX under the account number ( XXXX ) in the sum of {$2800.00}. XXXX opened XXXX account number ( XXXX ) with a balance of {$460.00}. A XXXX XXXX XXXX XXXX opened XXXX under the account number ( XXXX ) with the balance of {$1700.00}. XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX in amount of {$17000.00}. XXXX account opened on XX/XX/XXXX under account number XXXX in amount of {$260.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent addresses appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, addresses, or hard inquiries as reported. The aforementioned accounts, addresses, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, addresses, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, addresses and hard inquiries are the result of identity theft and fraud. list of inquiries in question :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a credit card from Cash App that I never requested. Someone used my personal information to open an Cash App account. I reached out to Cash App and notified them of the fraudulent activity. After providing Cash App with pictures of the credit card, they closed the account on XXXX XXXX, XXXX but provided no further information such as balances, who or how the account was established. I immediately placed a freeze on my credit with all XXXX  credit bureaus. 

On XX/XX/XXXX, I received a 1099-k form in the mail filed by XXXX, XXXX XXXX XXXX XXXX transactions were recorded on an account using my social security number. A total of {$6900.00} ( gross amount of payment card/third party network transactions ) all occurred between XXXX XXXX, during the time the Cash App account was created with my stolen information. I reached out to Cash App to update the 1099-k to reflect XXXX since it was not my account and I never authorize any of the transactions. Cash App has been absolutely no help, providing only the following generic email response : Hi, Our team has received your claim regarding the 1099 tax document issued to you. 

Cash App does not provide tax advice. If you have further questions about your particular tax situation you should reach out to your tax advisor. 

If you believe your personal information is being used, we recommend visiting IdentityTheft.gov ( https : //www.identitytheft.gov/ ) where they can help you report and recover from identity theft. 

If you would like to further pursue this claim, you may wish to contact local law enforcement. Cash App will cooperate with any active investigation and provide any supporting documentation that may assist with their investigation in the matter. 

Law enforcement agents may submit a request for information electronically ( XXXX XXXX XXXX ) or in writing to :
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I noticed a credit drop on my credit report resulting from Kikoff and an overdue payment for 2 months. I had an account with Kikoff that was due for payment on XX/XX/XXXX but paid in full on XX/XX/XXXX and no balance was owed at that time. ( See attached email of payment notification ). Unbeknownst to me, Kikoff automatically renewed my subscription without my consent ( see screenshot of emails from Kikoff-no mention of auto renewal ) The account in question isnt an continuation from a previous account but a separate, new account that I signed up for on XX/XX/XXXX ( see attached order confirmation email ). Prior to that, I had another credit builder loan product through Kikoff that I finalized the payment on XX/XX/XXXX ( See attached payoff confirmation email ). When I contacted Kikoff on XX/XX/XXXX, I was informed of the renewal and told at that time, I could stop it in their app but I would have to pay the late fees. I canceled the auto renewal but tried to find ways to cancel the debt since I hadnt given consent nor agreed to be placed on an auto renewal. Consent from the consumer is required before an auto renewal can be processed per FTC. Kikoff terms of service doesnt mention auto renewal as being mandatory to use their services and I never gave consent. 

On XX/XX/XXXX, I filed a complaint with CFPB about my score and Kikoff auto renewal to which Kikoff responded that they were accurate in their credit reporting and they had sent notice 30 days prior of the payment being due of the auto renewal. ( See screenshot of emails-no mention of auto renewal ). 

On XX/XX/XXXX, I filed another complaint with the CFPB using Kikoffs response to my initial complaint that no notice was given by email or postal mail about auto renewal to which Kikoff responded that they did send an email dated on XX/XX/XXXX ( see attached ) notifying me of the auto renewal. Since my payment was due 7 days after this email was, appropriate notice was in fact not given ( see screenshot of emails-emails go back 60 days and auto renewal isnt mentioned ). Companies are required to give consumers 30-60 days notice in advance per FTC rules. Also upon sign up to Kikoff service, the auto renewal clause isnt mentioned in their own Terms of Service ( see attached ). Kikoff email dated on XX/XX/XXXX had no mention of an auto renewal in the subject line. Instead its a congratulary email of being a member for 1 year which is misrepresentation which violates FTC. The email didnt state the date I had to cancel the service by to avoid being charged nor did it give clear and concise instructions on how to cancel the auto renewal. These mishaps clearly violate a number of FTC rules concerning auto renewal of a subscription. 

As of today, XX/XX/XXXX, I have had to file a report for fraud with the FTC against Kikoff due to them violating my consumer rights and not adhering to federal laws. Report number is XXXX. Kikoff ihave caused a reprehensible harm to my credit rating and are unwilling to fix the problem leaving me to file another complaint and seek damages at this point
Product: Credit reporting, credit repair services, or other personal consumer reports

Running my credit and dropped my score XXXX points
Product: Credit card

My name is XXXX XXXX XX/XX/year>. I have a XXXX XXXX credit card through Wells Fargo. I have had many complaints sent to Wells Fargo this year alone but mostly for this specific situation. My previous case number was XXXX & my case XXXX was XXXX. XXXX was very helpful & understands this situation more then anyone who tried to help in the past. As a resolution to this case, Wells Fargo sent a refund check directly to XXXX  with the person whos account was being charged for my accounts info. Her name is XXXX XXXX. XXXX is claiming that XXXX said they never received the check. I was told all the information of the check including when it was sent, dated & the serial number. Verbally i was told that there was confirmation XXXX got the check & it was deposited. I need to obtain proof that the XXXX confirmed receiving the check. I understand privacy is a big factor & that might not be possible for me since i am not the chase account holder. I am not looking for personal information but Im looking for confirmation proof it was received & deposited/cashed. If i can not obtain that information Im asking if wells fargo can contact XXXX directly. I can give any contact info i have for this person who is the original XXXX  account holder. I am being threatened yet again to go to court so i need documentation. I can also use a direct phone number for chase of where it was sent. Again, i understand privacy so you can contact XXXX directly regarding any info. 

XXXX in the passed also opened a case & her case XXXX was XXXX. 

Tell them to contact me directly and give them my phone number and email address. 
Her number is XXXX & email is XXXX XXXX