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

First I have requested removal of my credit file from the Consumer Affairs department verbally and in writing multiple times. However, I have even had an agent confirm receipt of my written request to be removed from Consumer Affairs as this department along with XXXX continuously mishandle my credit file. 
Furthermore, I have provided Experian with a Valid FTC Identity Theft Report as well as an official police report from the XXXX XXXX Police Department advising that they are reporting fraudulent accounts on my credit file which are Applied Bank and XXXX XXXX Bank. Under FCRA 605B I have requested that these accounts be removed or blocked with an Identity Theft Block yet XXXX keeps alleging that the fraud has not been reported to a law enforcement agency which it has and I have provided the report to Experian.
Product: Credit reporting

items continue to be inaccurate, have not received any proof of an investigation after continually requesting how items were verified as being correct. accounts are violation the laws of my bankruptcy and they refuse to delete or fix them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, sent a letter to the XXXX bureaus asking them to look into an item on my report that is false and misleading. It has been over 45 days since i sent my letter to Experian, XXXX and XXXX. I have not heard back yet. I am aware that the bureaus have 30 day to investigate and send me an updated report with their response or they have to delete the items from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX and Transunion wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

on XXXX XXXX I made an online order with Macys.com for the amount of $ XXXXthe online order was, ( XXXX ) .I never received the order, however Macys inform me I have to pay for an item I didn't receive.I 've tried on several attempts to get this matter solved, however I'm constantly talking to people that aren't from America.This is affecting my cfrerdit score as well.I 've been a Macys customer for over twenty years and a credit card online shopper for over twenty years as well.I refused to pay for items I don't have.I 'm extremely disappointed in Macys customer service and Macys online department.I would like this off of my bill.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and doesn't belong to me and need to be removed. Also the nest as well. Thanks Best regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has 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. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Hi my name is XXXX XXXX I took a loan at consumer financial services in XXXX  illinois. 
I took out a loan for XXXX dollars I got qualified for it. But on top of that loan they gave me a temporary insurance that in the first place din not wanted. It was a XXXX and it could be removed if you had fax the yellow paper and I did at an a excurrency exchange name pls and they said it was successfully complete and sent. But it did n't not I notice very month as I would always ask the rep at the service desk if they have gave me the credit or waver but they never did. Today I went inside the consumer financial services loan store and spoke to a lady that was very rude and as I was speaking I told her that this has been going on for so long and that I really wanted to get things settled. She refuse to give me a letter that the insurance told me they need a written request from them in order to removed it. I understand there are rules bit I did followed everything they told me. 
Now I just feel like I would never ever get a loan there anymore. 

Why would they add an insurance for a loan that 's so not good. 

I want XXXX to understand that I 'm not made of money and that I have always completed my payments yes maybe sometime I forgot but still paid the late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX XXXX  ( account number XXXX ) has late payments on my account from 2019. I found a buyer in XXXX of that year and began the process of selling the home. For whatever reason, it took XXXX XXXX until XXXX to process the payoff on my account. This is NOT MY RESPONSIBILITY. It is theirs. 

I submitted a dispute to all three bureaus with different results. Experian only removed the 90 day late in XXXX. XXXX XXXX didn't do anything ... XXXX didn't do anything. This should prove that the entire process of reporting and dispute handling is upside down with the lender. I want the 60 day late in XXXX and the 30 day late in XXXX removed from my file as well. I want the 90 day late also removed on XXXX XXXX and XXXX. The delinquency was not my doing.
Product: Credit reporting or other personal consumer reports

I am writing to provide an update regarding my ongoing disputes with Equifax. Despite having submitted all required documentation and information to resolve the issues on my file, I regret to inform you that none of the disputes have been resolved or corrected to date. Equifax has not taken the necessary steps to address my concerns. 

I have previously provided them with all requested documentation, including any supporting evidence, and I have made every effort to ensure that they have everything needed to review my case thoroughly. However, despite my repeated communications with them, I have not seen any changes or updates in the disputed entries on my credit report.
Product: Checking or savings account

I had been a member of Navy Federal Credit Union since XX/XX/XXXX and in XXXX I tried to make a deposit into my personal checking account along with my business checking account and could not. I am still able to log in on my app for both accounts but my balance is saying {$0.00}. I was never informed if either account had been overdrafted and or closed. I expected more correspondence especially since I opted in the overdraft protection plan. I have not been contacted by XXXX XXXX XXXX still to date.
Product: Debt collection

I am writing to express my deep dissatisfaction and concern regarding the continuous harassment I have been subjected to by Bank of America. For months, every seven-day period, I have received more than seven calls, often up to three times a day, every day of the week except Sunday. 

Despite my answering some of the calls, the bank continues to call me repeatedly after engaging in a telephone conversation with me about my particular debt of about {$12000.00}. I have explicitly asked for the calls to stop, yet was told that even if I make regular minimum payments, they would still call me regarding any past due amount.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Checking or savings account

Someone opened a fraudulent account in my name at Chime Bank. 
I tried to call their customer service line to inform them on XXXX XXXX. 
There is no human being who answers any of the options given for the " customer service '' line. 
There is no option to report fraud on the customer service line. 
The only option is to email the bank and inform them. 
I emailed them to cancel any and all accounts in my name on XXXX XXXX. 
They replied to the email and asked for personal information to be emailed back to them. I find this to be monumentally irresponsible to solicit personal information -- especially given that my information was stolen recently -- to be sent via email. 
I asked that they give me a phone number to call so I can provide that information. 
I have had no response from this bank so far.
Product: Checking or savings account

On XX/XX/2022 my Wells Fargo checking and savings accounts were illegally accessed without my providing any bank information. Without my consent, {$25000.00} was transferred out of my savings account. 

Wells Fargo never notified me of this " oddity '' which had never occurred in any of my accounts in 23 years of being a banking customer. 

When Wells Fargo investigated the claim, they did not address the illegal transfer from my secure accounts. Instead, they attempted to reclaim the money from the checking account that had been immediately closed after the fraud. When they discovered the account was closed, they took no further action and closed the claim. 

They never took responsibility for account having been hacked from the outside without any of my consent and the money illegally transferred out of my savings account. The total loss was {$24000.00}. 

There was no disclosure to me of the fraud committed against my accounts and Wells Fargo claimed no responsibility for the fraudulent and unauthorized transfer of the {$25000.00} from my savings account.
Product: Credit reporting or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX  Balance : {$0.00} ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00}
Product: Credit card

I had almost maxed out my card! Not used it lately and worked to pay down to 30 %. Made all payments on time and more than the amount and extra payments than today they dropped my credit limit without justification 65 %!!
Product: Credit reporting or other personal consumer reports

Equifax Information Services, XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Credit Bureau Executives, I am letting you know about an issue I have noticed in my credit report. Unfortunately, I have been a victim of identity theft and fraud, and as a result, I have been involved in three data breaches so far. I have been working with your team and other organizations to rectify my credit reports and other information. However, I have recently noticed that the fraudulent account belonging to XXXX XXXX XXXX XXXX has reappeared on my credit report, even though it was previously removed. 

I want to emphasize that this account and balance do not belong to me, and I have already taken the necessary steps to remove them from my credit report. I would appreciate it if you addressed this issue as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/year> XXXX XXXX  To : XXXX XXXX XXXX Subject : XXXX Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several unauthorized inquiries on my credit report. I tried disputing them but no action was taken. The following inquiries are unauthorized. 

XXXX XXXX on XX/XX/2021 XXXX on XX/XX/2021 XXXX XXXX XXXX on XX/XX/2021 XXXX on XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX  XX/XX/2021 XXXX  XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021
Product: Credit card or prepaid card

Alleged company use scare tactics to threaten me to pay. Funny thing is it used a fake social number and name that not even mine yet still claim I MUST pay. That 's clearly identity theft written out. Name spelt way off and Ssn number used is off. That 's clear identity theft. They ripping off me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX ran hard inquiries into my credit for secured credit cards and on the site it explained they do n't run hard inquiries on such credit applications but there customer service representative utterered something different over the phone speaking to the contrary. I need these XXXX hard inquiries removed from my credit report. Also exqufax has the wrong social security number and does n't want to fix this I need these two issues resolved as soon as possible.
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX CXXXX XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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 am filing a formal complaint against Halsted Financial Services due to their aggressive and unlawful debt collection practices related to a XXXX XXXXXXXX XXXX account. 

Issues : 1. Harassment & Unlawful Communication : Halsted Financial Services is contacting me via text and email at all hours, including early morning and late at night, violating the FDCPA ( 15 U.S.C. 1692c ( a ) ), which prohibits communication before 8 a.m. or after 9 p.m.

They have failed to honor my request to stop communication through these channels.

2. Failure to Validate the Debt : Despite my requests, Halsted Financial Services has not provided proper debt validation as required under 15 U.S.C. 1692g ( b ).

I never agreed to this alleged debt, and I am requesting a signed agreement proving my obligation to pay.

3. Possible FCRA Violation : If they have accessed or reported inaccurate information to credit bureaus, it could violate FCRA 604 ( 15 U.S.C. 1681b ), which limits access to consumer.
Product: Checking or savings account

Hi, I had some fraud happen on my XXXX account and my bank and employer XXXX XXXX disputed the transaction iao {$80.00}. 

Not short after, my XXXX account was closed. I would like to know why specifically XXXX closed my account ; what violation am I being accused of doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have the following 7 companies investigated and deleted from my credit report. Ive never had any accounts with any of these companies and dont know how they ended up on my credit report.

The 7 companies are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I called CMG mortgage to find out why I was being reported late during the months of XXXX XXXX to XXXX when I was on a payment plan and all of my payments were being made on time. I have documentation from them showing I was not charged a late fee from XX/XX/XXXX forward. According to my credit report I have been reported late by CMG from XXXX of XXXX to XXXX of XXXX. I called again in the middle of XXXX of XXXX to have this corrected and dispute this information. On XX/XX/XXXX I contacted someone at CMG and they told me all the late fees have been corrected I have not been reported late at all and I will have a letter from CMG stating the status of my credit reporting. On on XX/XX/XXXX I received the letter, according to the letter their reporting was accurate and no changes were going to be made. I called back on XX/XX/XXXX and was told there was nobody available to handle this situation and that somebody would call me back by end of day. 

This reporting has prevented multiple loans being approved including a vehicle loan and mortgage refinance.
Product: Money transfer, virtual currency, or money service

I contacted an individual on XXXX for concert tickets sometime early XXXX. The person had an account that seemed legit and answered all of my questions. This person fooled me into thinking I would exchange cash for the tickets as agreed upon. I asked this individual for the required information and for pictures. Once we made an agreement, I transferred the money on XX/XX/2019 and this person did not send me anything. In fact, the person disconnected their phone number and deleted their XXXX account. I was not able to get my money back as I sent the money through Chase XXXX. I did not know that Chase XXXX did not protect against this. I want a resolution to this and I want to ensure this situation does not keep happening to others.
Product: Checking or savings account

Follow up to complaint XXXX On XX/XX/2024, an unrecognized and unauthorized charge of {$1700.00} from XXXX appeared on my Chime checking account. I do not have an XXXX account. After attempting to reach XXXX to no response I opened a dispute through Chime customer support on XX/XX/XXXX. A day later the dispute was closed without even contacting me with no evidence provided to me nor any further communications requesting any additional info. I appealed the dispute and the same thing happened. As of XX/XX/2024 I have disputed and appealed this charge over a dozen times and Chime still refuses to give me any explanation or reasoning that goes into their decision. This goes directly against XXXX XXXX Liability policy which guarantees that you won't be held responsible for unauthorized charges made with your account or account information. Attached below is my identity theft report for this matter.
Product: Credit card

It was XX/XX/2024 some one stole my wallet used my card and Capital one would not depute the charges
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX Balance {$750.00} XXXX XXXX Balance {$110.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have missed XXXX monthly payments and the company is calling me 10 times a day, starting XXXX until XXXX, 7 days a week. I feel that this is not legal and definitely bordering on harassment.
Product: Credit card

I had to have a freeze put on all 3 of my credit reports due to companies like this. Companies like Plus Finance do this because the CFPB and other agencies don't ever hold companies accountable. 

In XX/XX/2023 i had a letter sent to Plus Finance informing them of my Fianancial Hardship. I gave them a settlement amount i make in 3 payments yet it's no 30 days later and Plus Finance didn't bother to respond. I included the letter i had faxed. I was also a victim of Identity Theft that have caused me so much damage to my credit and UnNecessary stress that i don't need due to already having Health Issues and my XXXX XXXX. Plus Finance continue to report my account as XXXX XXXX to the 3 credit bureaus who i intend to file a complaint against for allowing companies to report anything on people 's credit. The 3 credit bureaus should be held accountable for allowing companies to report anything including false information then all 3 credit bureaus put you thru XXXX to put a credit freeze on your credit which is suppose to be free for customers and they make it hard to report Identity Them. 


Plus Finance also lied a year ago that the hard inquiry on all 3 of my credit reports yet i then was told i had to contact XXXX XXXX since i applied there. Plus Finance knows they have no warning of a hard inquiry when you apply thru XXXX XXXX who have been sued for their business antics. They also closed the accout without warning even though i was making payments. To not work with a customer that is experiencing a Financial Hardship yet still trying to do the right thing.
Product: Credit card or prepaid card

A XXXX ( XXXX ) credit card was fraudulently opened in my name. Allegedly in XX/XX/2009 the account was open and the following year the account was said to have been closed, then Midland credit management started pursing the case. I am requesting to dispute this matter. Garnishments from the company has been placed and I would like correct this.