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

I UPLOAD AND MAIL DISPUTES FOR FRAUD AND INSTEAD THEY TREAT IT AS A DISPUTE, THEY TOLD ME TO HAVE A POLICE OR FTC REPORT WITH ACCOUNT AND NAME OF FRAUD LISTED AND I SEND THEM THAT INFOMATION EVER I AM A VICTIM OF IDENTITY THEFT FOR OVER THE PAST 3 YEARS OR MORE.I BEENCATCHING THE THEFT THE PAST 2 YEARS BUT LAST YEAR I WAS SICK AND ALSO LOST MY JOB SO I START SEEING THE EXTRA ITEMS COMING OUT MY ACCOUNT, BECAUSE THE IDENTITY THEFT THAT WAS OBVIOUSLY CLOSE TO ME EITHER AS A FAMILY OR FRIEND, WAS OPENING UP SMALLER ACCOUNTS IN MY NAME AND WAS PAYING THEM THRU MY BANK AND WHEN THE CHECKS START BOUNCING BECAUSE I EITHER HAD ENOUGH MONEY FOR MY BILLS THAT I AUTHORIZED TO OPEN OR BILLS I DEFERRED THRU COVID. THESE CREDIT BUREAUS REFUSED TO REMOVE THE FRAUD ACCOUNTS. I GOTTEN A POLICE REPORT WITH THE ITEMS LISTED AT THE POLICE DEPARTMENT INTERNAL SYSTEM, I ALSO HAVE A FTC REPORT AND A AFFIDAVIT OF FACT SWEARING IM TELLING THE TRUTH, WITH THE BANK STATING I WAS A VICTIM OF FRAUD TO THE POINT THAT THEY HAD TO CHANGE MY BANK ACCOUNT. I HAVE MULTIPLE WAYS TO PROVE ITS NOT ME BUT THIS IS THE BEST ONE. MY MORTGAGE WAS {$3000.00} CAR NOTE {$1000.00} A FEW CREDIT CARDS {$500.00}, WHY WOULD I NOT PAY THE {$25.00} BILLS AND {$100.00} BILLS ALSO THESE ACCOUNTS START GOING NEGATIVE IN 2020, THATS WHEN THE CARES ACT WAS SIGN AND IT GAVE PERMISSION FOR CREDIT CARDS CAR LOANS, ALMOST 90 % OF ALL BILLS TO BE DEFERRED 3 MONTHS AT A TIMEAND YOU CAN DO THEM 2 TO 3 TIMES IN THE YEAR. SO IF THEY WERE MINES, ALL I WOULD HAVE TO DO IS DEFERRED THEM. THIS IS MY 5TH TIME SENDING THESE DOCUMENTS TO THE CREDIT BUREAUS AND THE CREDITORS THEMSELVES, AND THEY SAY WELL WE HAVE A COPY OF THE RECIEPT AND COPY OF APPLICATION BUT WHY OF COURSE. NOBODY IS GETTING THESE ITEMS WITHOUT ID AND ID CAN BE USE STOLEN OR BORROW AND I THINK ALL 3 HAPPEN. UNDER THE LAW I HAVE DONE EVERYTHING CORRECT TO GET THESE ITEMS REMOVE. THIS HAS STOP ME FROM GETTING MY SBA EIDL LOAN BECAUSE OF MY CREDIT AND IT HAS STOP US FROM REFINANCING AND MORE. AND HAS STRESS ME OUT SO BAD TO THE POINT WELL IM TRYING TO RAISE MONEY FOR A LAWYER. I AM SO FUSTRATED FOR THEM TO TELL ME IM LYING ABOUT A POLICE REPORT IS FAKE AND THEY KNOW ITS NOT, THEY JUST HAVE TO CALL THE POLICE STATION, THEY HAVE DESTROYED MY LIFE. I WILL NOT GIVE UP UNTIL THIS FRAUD STUFF IS GONE OFF MY CREDIT AND IM REALLY REALLY THINKING ABOUT SUING THEY VIOLATED MY RIGHTS OVER 100 TIMES, THATS 100 TIMES {$1000.00} PER VIOLATION PLUS PUNITIVE DAMAGES AND MORE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the credit reporting agencies ( CRAs ) XXXX and Experian for their failure to conduct a proper investigation regarding an inaccurate account reported on my credit profile, which has significantly impacted my financial wellbeing. 

Over the past two years, I have disputed the incorrect account information more than eight times with both XXXX and Experian. Despite my numerous disputes, the CRAs have repeatedly verified the inaccurate information without conducting a thorough investigation. 

I contacted XXXX XXXX, who confirmed that they have not reported any account under my name since 2019. Additionally, I spoke with the original grantor of the account, XXXX XXXX, who verified that the account has a XXXX dollar balance and is marked as settled. Despite providing this information in my disputes, XXXX and Experian have failed to correct the inaccuracies on my credit report. 

The continuous reporting of this incorrect account information has drastically lowered my credit score, leading to higher bills, an inability to secure loans, and other financial hardships that have adversely affected my quality of life. 

I am requesting the CFPB 's intervention to ensure that XXXX and Experian conduct a thorough and proper investigation into my disputes and correct the inaccurate account information on my credit report. I am willing to provide any further documentation or information necessary for the resolution of this complaint. 

I appreciate your prompt attention to this serious matter.
Product: Debt collection

I have been trying to work on my credit and I have had people use my information in the past. So I pulled my credit report and I have a collection from AWA. I have never heard of awa or the original company. I have never communicated with awa in any type of way not phone not mail not email nothing. I have no knowledge of this account and they report late payments monthly and increase the balance which has been negativity affecting my life. Ive asked for them to show proof of the debt or contract or for any information and nothing. Its not right for these companies to report late payments on a debt that belong to me, Ive never had a payment plan or contract with these people. They are trying to bully me into paying for something thats not mine and they are reporting false information. I would like for this to be removed immediately from my credit reports I was XXXX when this account was opened and Ive gotten my life together and this is negatively impacting my life. Also XXXX is reporting debts are valadated without investigation or providing any proof of debts .. Ive asked multiple times.
Product: Credit card

My credit card was stolen and used fraudently for thousands of dollars worth of purchases in XX/XX/year>. While most of the fraud claims were resolved quickly and without issue. One of them, rental car transactions, has been my living nightmare. Capital One has allowed XXXX XXXX XXXX to charge my account ( with A OLD and CANCELLED credit card ) upwards of {$6000.00}. Collectively I have spent nearly 10 hours on the phone with representatives and the last time was assured any charges would be marked fraudulent and I would not have to deal with this moving forward. Exactly 1 week later ( today, XXXX ) I have 4 more transactions from XXXX XXXX car on my account linked to the stolen credit card. Capital One is not doing their due diligence and is severely harming my financial health by allowing these fraudulent transactions to take place. The fraud team, save for a few individuals, does not do their job correctly and needs to actually speak to merchants who are charging these transactions. Capital One has documentation from XXXX XXXX XXXX that the rental was not made by me as the person who rented it provided THEIR ID.
Product: Checking or savings account

My wife and I use USAA as our finachial institution for direct deposit, payment of bills and auto/rental insurance. The main frustrating issue I have with USAA is getting charged non-sufficient fund fees. I feel that NSF fees are thefts being made to consumers who are forced to use banks for making payments. It is unfair, it is unethical, it is wrong for USAA to steal from me ( and people like me ) and yet at the same time have a net worth of over XXXX XXXX dollars. I recently received three NSF fees : XXXX XXXX, 2017 CHK # XXXX {$29.00} XXXX XXXX, 2017 NSF FEE - ITEM RETURNED ACH - XXXX XXXX {$29.00} XXXX XXXX, 2017 NSF FEE - ITEM RETURNED ACH - XXXX {$29.00} I called USAA in regard to this matter and I was told that my account can no longer receive any NSF fee reversal due to NSF fee reversals in the past. I can not afford to have USAA steal {$87.00} from me in addition to the three company 's that I have revived fees from also.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the XXXX tracking. 
I am a victim of identity theft and noticed a collection from Jefferson Capital. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Jefferson Capital in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Debt collection

Credit agency is Credit Control Agency Amount {$280.00} Paid in full XX/XX/22 Filed dispute with XXXX XXXX. Dispute came back as no change, amount still owed. I contacted Credit Control Agency and provided screen shot of XXXX dispute status as of XX/XX/22. I am not able to submit another dispute for this and the credit agency will not update with XXXX.
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 XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting 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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1st error : Collection name : XXXX A gym litterally took my account to collection. 
I signed up for blink fitness for 1 month in XXXX and cancelled my membership thereafter. 

Seems like they were still charging my debit card on file still and eventually that debit card wasn't working and there was a balance built up. 

They decided to take that balance to credit bureaus even though I never attended gym for the services I was billed for. 

Please help in removing this erroneous debtor on my report. 


2nd Error : Collection name : XXXX XXXX XXXX XXXX debtor under Harvard collection is showing on my report added on XX/XX/XXXX. 

I have not lived in the subject apartment since late XXXX. 

I had called XXXX and cancelled my meter and it was never honored they kept billing me for electricity by error/mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XX/XX/XXXX
Product: Credit reporting

i applied for an auto loan and i received the attached letter of denial. they listed a number of places where they got " my scores '' ..Clarity is one of them. They information they say are the reasons why I " might have been denied '' by the lender. Ive uploaded the document for you to see. The main reason they have the wrong information is because each credit agency is different ie XXXX, XXXX and XXXX. I also uploaded a document from XXXX with " final results '' of an investigation on an account that was made by someone else. I included the original document from XXXX/XXXX that clearly states that my information was hacked and used. After 45 days of investigating XXXX sent me my results ( uploaded ) and stated the they will contact XXXX and XXXX ... They didnt. Those XXXX accounts are still on those later credit reports along with old address information that has clearly affected my approval for a loan. Listed on Claritys letter they state that they couldnt verify my identity and that my address couldnt be verified and that its not my primary address!! How is that so when i 've lived there for almost 3 years. The DMV, CA State Registry of Voters, Social Security and my XXXX bank account at different banks all have my correct address. But the XXXX Credit Reporting agencies do not. Please fix this problem. It has negatively impacted my ability to get an auto loan so i can get work so I can get off of govt benefits!
Product: Credit card

On XX/XX/2023 a charge of {$110.00} appeared on my credit card transaction history. It was from a travel agency in XXXX XXXX, XXXX, and I definitely did not initiate or authorize this purchase. I disputed the charge within 60 days with my credit card company. They issued a temporary credit, but they reversed it later and closed the investigation. 
The credit card company stated the following : 'If after reviewing the merchant 's documentation you still wish to dispute this charge, please provide a new updated signed letter that specifically addresses the merchant 's response along with the complete details of your dispute. Also provide a credit slip or chargeback approval letter from the merchant, to prove they agree you are due credit for this charge. ' I tried to communicate to them that I do not know the travel agency or the person issued the flight ticket, so I am not able to provide any documentation from the merchant as they requested, and that the charge is fraudulent, but the credit card company is unresponsive.
Product: Debt collection

MY INFORMATION WAS USED UNLAWFULLY AND I FELL VICTIM TO THE EQUIFAX DATA BREACH AND OTHER DATA BREACHES SEE ATTACH
Product: Bank account or service

I previously submitted a complaint on XX/XX/2017, case # XXXX against NFCU. The response is still pending. However I have been working with their Personal Finance Department, XXXX - XXXX. Now she has helped to put a few of our accounts on pymt plans, great. Problem is there are 2 accounts still outstanding that we continue to get collections calls from NFCU from daily reason being I am the secondary account holder on the accounts & my husband is the primary but he is XXXX military & currently XXXX. I have begged & pleaded with NFCU to just put these last 2 accounts on the pymt plan so we can move on with our lives.NFCU insists that they must speak with my husband, no matter how much I tell them I do n't know his schedule or specifically where he is. He has even emailed NFCU via NFCu account website begging them to please just talk to me & work with on a pymt plan on these last 2 accounts so we can get a solution & put an end to the constant collection phone calls. I myself have had some medical issues & was just sent home from the hospital today. All we want is a conclusion to our previous request in my 1st complaint dated XX/XX/2017, a lower payment plan for a period of time. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To be foward to Experian : This is reporting negatively on my account and needs to be addressed ASAP as these are not my account nor am I liable. I have a police report I have attached for proof. The following should be removed/ deleted from my credit file. 

( 1 ) XXXX XXXX / XXXX ( Date opened : XX/XX/XXXX ) Balance : ( Closed - {$1700.00} Written Off ( USD ) ( 2 ) XXXX XXXX ( Date Opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( 3 ) XXXX XXXX XXXX / XXXX XXXX  ( Date opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( 4 ) XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : {$1900.00} ( USD )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX TransUnion is reporting inaccurate information on my consumer report. I filed an Identity theft report ( ftc report # XXXX ) and they're still reporting information that I did not give my consent to.TransUnion has never responded to the method of verification letter received by TransUnion on XXXX XXXX by Certified Mail Tracking # XXXX XXXX  XXXX XXXX XXXX, and is in violation of the Gramm-Leach-Bliley act, The FCRA permissible purpose statute in question states : " Any consumer reporting agency may furnish a consumer report ... to a person which it has reason to believe intends to use the information ( 1 ) in connection with a credit transaction involving the consumer on whom the information is to be furnished and ( 2 ) involving the ( a ) extension of credit to or ( b ) review or collection of an account of the consumer. '' I DID NOT DO BUSINESS WITH OR GIVE MY PERMISSION TO THE FURNISHERS OF THE ACCOUNTS IN DISPUTE. SEE ATTACHMENTS.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelles numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed that recovering lost funds was not possible nor track transactions.CFPB findings show zelle to have neglected to protect us the consumers.
Product: Checking or savings account

Company denied my application I paid off my debts on a account I dont remember for only XXXX and I received a letter saying Im not eligible to have a account it didnt give me the reason why and I dont know if they are checking my credit or not and I need to know why I cant have a account with this bank and someone give me a reason
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX ) sent me a zelle transfer of {$2500.00} for a debt to my XXXX XXXX account. She later called her bank and reported the transfer as fraud in order to stop the payment. As a result, Zelle deactivated my accountXXXX XXXX XXXX closed my account and I can not access my funds. XXXX XXXX falsely reported fraud to her bank to stop the payment of the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Credit Report Dispute Inaccurate Reporting of RESURGENT/LVNV FUNDING Account Dear XXXX  Dispute Department, I am writing to formally dispute inaccurate information appearing on my XXXX credit report. The following account contains errors that need to be corrected : Creditor Name : RESURGENT/LVNV FUNDING Account Number : XXXX Balance Reported : {$600.00} Date Opened : XX/XX/XXXX The inaccuracy I would like to dispute is the date the account was opened. My credit report states that the account was opened on XX/XX/XXXX, yet your payment history records indicate a delinquency beginning in XX/XX/XXXX. This discrepancy suggests either an incorrect account opening date or inaccurate reporting of the account status. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incorrect information on my credit report. I am requesting that XXXX investigate this matter and provide proper documentation verifying the correct opening date. If the date can not be verified accurately, I request that this account be removed from my report entirely. 

Please provide me with written confirmation of the results of your investigation. If you need further information from me, please let me know. You can reach me at the contact information provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt or credit management

Lexington Law Firm I payed for a long time and tried to cancel and they put me on a maintenance monthly fee
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested to update the inaccurate account which another credit reporting agency found to be inaccurate and had already updated. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. Please UPDATE the account listed below : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}
Product: Credit reporting or other personal consumer reports

I have an open account with Nordstrom since 2017. Unfortunately, there were some times that I fell behind due to a financial setback when I was in college that resulted in late payments. Despite this challenge, I diligently managed to catch up. However, I have discovered that this account is currently reflecting as negative account activity on my credit report.

This misleading information is impeding my ability to pursue a significant milestone in my life- buying a home. Maintaining good credit is of utmost importance to me, and I am eager to rectify this situation. I firmly believe in taking responsibility for my financial obligations and view good credit as non-negotiable. Now, I am compelled to request Nordstrom to remove the damaging information from my reports. I am aware of the importance of adhering to policies, but I also firmly believe that everyone deserves the opportunity to make amends for past mistakes. I firmly believe that the repercussions of unforeseen circumstances should not have a perpetual impact on one 's financial standing. People do deserve a goodwill or second chance. This is unfair that this information has to linger for years.