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

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial XXXX. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Product: Credit card

This is a supplement to Complaint XXXX, which American Express has still not addressed. They are now trying to charge me a {$29.00} late fee on a balance that is not owed per that complaint and the supplemental information supplied. 

Please see attached screenshot of the latest " statement. '' Their system is automated and doing this by default, but it is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 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 information relating to any transaction by the consumer. 


The following account need to be removed as they are fraudulent. 

XXXX  XXXX XXXX  XXXX Date Opened XX/XX/2015 Balance {$440.00}. 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting or other personal consumer reports

Account showing on my credit report that has been paid and was agreed upon to delete XXXX XXXX XXXX Account number : XXXX Payment Information and confirmation : Account Number : Ending in XXXX Original Creditor : XXXX Banks Confirmation Number XXXX XXXX
Product: Debt collection

ON XX/XX/XXXX A Process Server, Came to my home. And hand delivered a ( Citation Debt Claim Case, ) From XXXX XXXX XXXX, XXXX It states that Im being sued by the State of Texas, XXXX COUNTRY THIS ACCOUNT HAS BEEN CLOSED NOW SINCE XX/XX/XXXX THEY ARE SUEING FOR {$820.00} AND THERE WAS A COURT DATE ALSO, THAT I WASN'T AWARE ON XX/XX/XXXX .THIS PETITION WAS FILED ON XX/XX/XXXX Just trying to understand why Im being harassed at my home by a debt Collector..
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about Equifax. I had placed a freeze in my credit with all three credit bureaus. I am in the process of refinancing my mortgage so I tried to lift the freeze temporarily. I manage to do it with the other credit bureaus but have been unable to do so with Equifax. When I tried to sign in I was told my user name or password was wrong. I clicked on the link to reset the password which should result in getting an e-mail but nothing happened. I tried at least 15 times. I decided to call. After answering all the questions from the automated system, which took a while, I finally was passed through to a customer service where I waited for a long time for someone to answer. When the person answered she told me the system was UNAVAILABLE and to try in a few hours. I waited 5 hours and tried again with no results trying to get the e-mail link, then called, went through the automated questions and after all that got a recording saying customer service center is closed for today. This credit bureau should be disqualified. It is inept. These companies play a crucial role in every aspect of our life and for them to fail to provide proper service there should be consequences to them. Maybe we should have only 2 credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX or XXXX, 2017 I applied for a Target store card on their website. It was not approved right away but a message popped out that my application is under review and will receive a reply in the mail within 7 - 10 business days. On XXXX XXXX, 2017 I received a phone call from Target Financial Services asking me some personal information about myself like when my birthday is, my age, and my address. Then they informed me again that they will mail me their decision. I called the number back the next day and talked to XXXX. She told me that they approved the credit application but they need me to fax the front and back of my social security card, my driver 's license and a utility bill. I told her I am not comfortable with that. I keep going back and forth with Target asking them to cancel the card because I am not comfortable providing these documents that has all my personal information especially the social security card. They said that they can only cancel it as soon as I provide them with the documents. I want this published so the public will know.
Product: Credit card or prepaid card

I purchased 3 shirts from XXXX XXXX through XXXX XXXX on XXXX. I returned two of these shirts in XXXX. XXXX XXXX issued two credits on XXXX ( {$36.00} ) and ( {$30.00} ). These two credits were isued to XXXX. XXXX forwarded the credits to XXXX XXXX XXXX XXXX. The account number used by XXXX was one that had been replaced with a new credit card number due to a breach on the original credit card number. XXXX XXXXXXXX assured me that the credits sent to the old account number would have transferred to the new number. 

I have opened XXXXwo separate disputes on these payments with XXXX XXXX XXXX XXXXXXXX and both have been denied because I have not provided them with a 'valid credit slip '. XXXX XXXX did give the credits totaling {$66.00} to XXXX. XXXX then forwarded those credits to XXXX XXXXXXXX. I provider XXXX XXXX with the XXXX account statement showing the credits had been sent to them. I have not yet received the 2nd denial for {$30.00}. I can get it from their website but am soon to be 'timed out '. 

XXXX says the problem is with XXXX. XXXX says the problem is with XXXX
Product: Prepaid card

I purchased a {$200.00} XXXX  gift card from a XXXX in Pennsylvania as a gift on XX/XX/XXXX. I gave the gift to a relative on XX/XX/XXXX. He went to use the card to make a purchase on XX/XX/XXXX and the purchase was declined as the remaining balance was {$0.00}. There were XXXX charges made in New York ( XX/XX/XXXX ) and XXXX  New Jersey ( Both on XX/XX/XXXX ) for the whole balance amount. An unauthorized person used the card right after it was activated at the store. The person I gave the gift to submitted a dispute to INCOMM Payments on XX/XX/XXXX. After providing all of the requested information, the dispute was denied by INCOMM with no explanation on XX/XX/XXXX. This is unacceptable. I have essentially had {$200.00} stolen from me because this product is so easy to commit fraud with. Through simple internet searches, it appears this is a wide spread scam that is committed using these XXXX gift cards product. This needs to be handled by INCOMM immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX    XXXX   claims that I have a charge off credit card in an unknown, unidentified amount. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
Product: Credit reporting or other personal consumer reports

Speedy Cash reported an outstanding loan balance on my credit report in XXXX. Then transferred it to XXXX XXXX XXXX for a few years. Then it transferred to XXXX XXXX XXXX ( XXXX ) and reported it again on XX/XX/XXXX. It is showing up on my credit report as a XXXX XXXX XXXX debt. But was originally from XXXX years ago. 

I did not keep receipts so I can not prove the date. But surely they have to provide documentation of the original date they sent it to collections. 

This happened after years of me paying XXXX XXXX on payday loans month after month.
Product: Debt collection

In XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX closed a checking account of mine because they identified fraudulent activity. They put a fraud lock on the account. A new checking account was opened for me. 

XXXX of my recurring charges on the closed checking account was for XXXX XXXX XXXX a gas station. Before I had an opportunity to update XXXX XXXX with the new checking account information, XXXX XXXX XXXX charges were returned because of the fraud lock : XX/XX/XXXX XXXX Rewards {$8.00} XXXX XXXX XXXX {$5.00} I immediately called XXXX XXXX to tell them of the fraud lock and provide them with my new checking account information. When I called XXXX XXXX they re-directed me to their debt collector CHECKredi. I told CHECKredi the charges were returned not for insufficient funds but because my XXXX bank account linked to XXXX XXXX had been closed for fraudulent activity. CHECKredi said that I would be charged fees for insufficient funds and if I wanted the fees returned I would have to send them a letter from XXXX XXXX XXXXXXXX stating it was fraud and not insufficient funds as to why the charges were denied. The CHECKredi fees I was charged were : XX/XX/XXXX CHECKredi Return Fee {$35.00} XX/XX/XXXX CHECKredi Return Fee {$35.00} Immediately after speaking with them, CHECKredi used the new checking account number I had provided to XXXX XXXX to collect the XXXX payments of {$5.00} and {$8.00}, but also charged me for the XXXX fees of {$35.00} for each transaction. XXXX XXXX has been paid in full. 

Subsequently I contacted XXXX XXXX XXXX and explained the situation to them. XXXX XXXX XXXXXXXX provided me with letters stating that both the {$5.00} and {$8.00} charges were returned because of FRAUDULENT ACTIVITY and not insufficient funds. These letters were mailed and emailed to CHECKredi, but as of today CHECKredi has refused to return the {$70.00} in junk fees. 

I would urge all consumers to avoid doing business with XXXX XXXX and to contact the CFPB if they have been adversely impacted by the illegal debt collection and anti-consumer activities of CHECKredi.
Product: Credit reporting or other personal consumer reports

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and my SSN Card.
Product: Checking or savings account

On XX/XX/XXXX, I visited the XXXXXXXX XXXX ATM located inside a XXXX XXXX grocery store located at XXXX XXXX XXXX XXXX in XXXX XXXX, MO. I requested {$480.00} to be removed from my Chime Credit card acct ( which is linked to my Chime checking acct ) to pay half of my rent for XX/XX/XXXX. I did not request a receipt at the time because I knew how much I had, and it was just going to be a quick transaction since I had to have it in to the office by XXXX that day since they were leaving early. I was in a rush and either my elbow or purse pushed the money back in to the ATM as it was still clamped to the ATM and before I could reach and grab it, the ATM pulled the money back in. I frantically tried to get the money back, even tried to do another transaction thinking maybe it was placed back on my account. No luck. My balance at that time was around {$7.00}. 

Immediately after this another person tried to use the ATM ( I kept standing there ) and suddenly, the machine said it was Out of Order- at this point no one could use it without a technician. I went to the Customer Service desk at XXXX XXXX and the person who helped me went to the ATM and tried to troubleshoot it himself with no luck. He then instructed me to call XXXX XXXX which I did around XXXX XXXX CT. The rep that answered the phone told me to call my bank ( Chime through The XXXX XXXX  ) which I did. I filed a dispute with Chime and they told me it would take a few weeks for a resolution. I called XXXX XXXX  back ( around XXXX or XXXX ) and tried to get a hold of their Treasury Department since I am familiar with the banking industry That rep told me there is nothing they can help me with and no way of knowing the ATM even though I know where the ATM is located. From my personal experience, I know that is a lie. I called Chime last week to check on the dispute and they said it was rejected since I received the money. 

I did not receive the money. The ATM also has a camera attached that should prove that I never handled the money and XXXX XXXX  Treasury department should have also noticed this when the ATM was counted ( remember the ATM was rendered out of order when the money was pulled back into the ATM ). 

I am very familiar with banking and the financial industry as I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX as recently as XX/XX/XXXX, so I know how it works and I know that the ATMSs always keep a tally of the currency inside and any errors. Since XXXX, I have worked at XXXX XXXX XXXX XXXX XXXX XXXX, so I am very familiar with the banking/financial industry. 

The ATM tech also would have noticed something was awry when he came to fix the machine. XXXX XXXX  is playing with my money and I want it back. I am not a customer of theirs and will never be. Please someone investigate this and contact me via email or phone. 

I have filed a complaint with the OCC. Case number is XXXX
Product: Debt collection

On XX/XX/XXXX I was served a court judgment for a wage garnishment from a debt collection agency called CACH , LLC who obtained counsel. The original debt owed to XXXX  XXXX XXXX apparently, in the approximate amount of {$960.00}, dating back to XXXX. The court order now reads the amount owed to be {$3000.00}, plus various arbitrary fees and interest. To my recollection, I have never owed any figure to that bank. So this all is very unsettling and confusing to me. I believe these charges to be in error, at least, and quite possibly gross fraud otherwise. I have recently begun to rebuild my credit, and this false charge and suit will be damaging beyond repair. I am newly unemployed, unfortunately. It is my understanding that such orders and attempts to collect may be well beyond the statute of limitations according to California law. Please help!
Product: Credit reporting or other personal consumer reports

Reported false information to XXXX and Early Warning. This is causing me problems from obtaining personal and business checking or savings account or getting my current accounts closed. Early Warning has provided a document saying it was verified but XXXX  XXXX XXXX just provided my electronic signature of agreeing to the terms when first opening the account. This account by XXXX  XXXX XXXX was closed because there was a check that was not deposited by me, or signatured by me uploaded to my account. I received a call from XXXX  XXXX XXXX and confirmed that I had no knowledge and didn't do it. A few days later they decided to close my account after they cancelled/declined the check the day of me mentioning it was unauthorized. This company had no loss or even investigated it properly as in to see where was the check deposited from including IP ADDRESS, LOCATION OR FULLY VIEW THE SIGNATURE THAT WAS PUT ON THE CHECK. THIS FRAUDLENT INFORMATION LISTED ON MY CREDIT SHOULD BE REMOVED. 

Furthermore, I would like to remind you of your obligation under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681i. If this in question is reported to any credit reporting agency, you are required to investigate and verify the accuracy of this upon my request. Inaccurate or unverified information must be promptly removed or corrected. 

Source of Information : XXXX  XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXXReported For : SUSPECTED FRAUD ACTIVITY ; REPORT IS DISPUTED BY CONSUMER ( S ), AND VERIFIED ACCURATE BY XXXX ; Reported Name : XXXX XXXXReported XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Reported SSN/ID : XXXXDrivers License : State : Date of Closure : XXXXACCT # : XXXX / XXXXClosure Status : NO MONETARY LOSSClosure Status Date : XX/XX/XXXX  Dispute Case ID : XXXX Bank Name : XXXX XXXX XXXX Reference # : XXXX
Product: Credit card or prepaid card

Citibank has now taken out 2 payments that I did not authorize did not make and when asked for proof that said they can take money out of my bank account refused to provide me with that
Product: Checking or savings account

On XXXX XXXX, 2021, I was contacted by Detective XXXX of the XXXX  Police Department. Detective XXXX advised me that he had arrested an individual and that that individual had in his possession a false photo identification card, a Well Fargo card, a XXXX XXXX card, and a XXXX  XXXX XXXX card with my name of them. Detective XXXX also advised me that the individual had all of my personal information, including name, address, DOB, SSN, mother 's maiden name, phone numbers ( cell and home ), employment details, credit history, and mortgage papers. I then contacted the above noted banks and credit card companies. I also contacted the banks, XXXX XXXX and XXXX XXXX, who are listed on my credit report as having made inquiries. I also notified all three credit bureaus. There were numerous unauthorized transactions on my bank and credit card accounts, including a XXXX ATM withdrawal from my Wells Fargo account on XX/XX/2021 and THREE ATM withdrawals from on XX/XX/2021. There were also fees for each of these ATM transactions. In addition, there were two ATM withdrawals on my XXXX  XXXX XXXX account. All of the banks and credit card companies involved have credited my account for these unauthorized transactions ( or advised that they are going to do so ), except for Wells Fargo ( who says it is still investigating ).
Product: Credit reporting, credit repair services, or other personal consumer reports

loan care morgage Service are reporting mortgage late on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry by XXXX  ( XXXX XXXX XXXX XXXX ) I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the Experian credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
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 1681a ( 2 ) ( A ) ( i ) : Exclusions. The term " consumer report '' does not include ; any, report containing information solely as to transactions or experience between the consumer and the person making the report.

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My mortgage was taken over from Mr Cooper to Nationstar. I did not ask for this it just was sold to them. I have never ever missed a mortgage payment. The company who took over my mortgage now has it listed as a " NEW '' loan on ctedit report and as such significtly & adversely affected my credit score which I worked hard to build. Not fair I didn't ask for mtg to be sold nor missed any payment. I want my credit score restored.
Product: Credit reporting or other personal consumer reports

I submitted a payment on XX/XX/2023 to XXXX XXXX XXXX to avoid my account going into delinquency by XX/XX/XXXX and the payment was stated that it was successfully processed. It was only after they sent my payment confirmation to the credit bureaus, that they stated that they were not able to process my payment. There were funds in my account with proof that the funds were available and ready to be deducted. I have been making consistent payments without being late for over a year and a half. My credit score has taken a massive hit after rebuilding it, and should not be blamed for a clerical error conducted on the creditors end. As you can see attached, XXXX XXXX XXXX ( Account # : XXXX ) did not inform me that they were attempting to take the funds out of a wrong account until the XXXX of XXXXXXXX XXXX. After sending my information to the credit bureaus on the XXXX of XXXX. This company took more than 30 days to investigate this case. Initially removed the late payment from my report and added it once more without notification.
Product: Credit reporting or other personal consumer reports

XXXX and experian will not remove collections that don't belong to me and i have disputed them several times there are several collections that stay remaining on my report even a collections that is over 8 years old that hasn't been removed
Product: Debt collection

Final communication for accounts XXXX for {$2200.00} and XXXX for {$250.00}. 
On Previous communication I requested the Purchase Agreement from your alleged debt purchased from XXXX XXXX ( two accounts ). This piece of information was denied and I'm attaching proof of the denial. Therefore if you can't demonstrate your own the debt ( not by sending copies of statements, or account report summaries ) but the actual Bill of Sale within the Purchase Agreement you signed when you bough " My alleged debt '', then, you don't own it. Therefore you are not legally allow to report this account to the credit bureaus nor to collect on this alleged debt. You can't just buy accounts that belongs to someone and fail to demonstrate you obtained it legally. You need to STOP all collection RIGHT NOW. This is an attempt to remedy or I WILL SUE. I've been denied housing, credit lines and car trade in I attempted due to this alleged debt. I will be suing for compensation for up to XXXX in remedies and Defamation of character. 

Also, I see account XXXX has a name different than mine. Please delete immediately.