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

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4800.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1600.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2400.00}, XXXX  XXXX XXXX  Date Opened XX/XX/XXXX Balance {$2100.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The below account are reports as adverse accounts on my transunion account. 

DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXXXXXX {$0.00} {$0.00} DEPT OF ED/XXXX  XXXX {$0.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} These accounts are up to date and not in collections, they were sold to the accounts below which are shown on my credit report. 

US DEPT OF EDUCATION/XXXX XXXX {$0.00} US DEPT OF EDUCATION/XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

On my credit report with Experian it shows XXXX  XXXX with XXXX late payment from XX/XX/XXXX XXXX  with XXXX late payments from XX/XX/XXXX & XX/XX/XXXX In accordance with the Fair Credit Reporting Act, these creditors has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Under 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 any purpose.
Product: Debt collection

Ok I received XXXX calls from this company sunrise credit in one day and when I called to find out who it was and how many times they are allowed to call me the employee XXXX stated more than once so I asked to speak with a supervisor and multiple times he avoided the question and continued to tell me they did n't call me and placed me on hold multiple times telling because we are on the phone he ca n't see if they called and once more puts me on hold and comes back and tells me that they did call multiple times and I advise him that my rights are violated and to answer how many times they are allowed to call he states that he did n't know that answer I felt this was very unprofessional of the company for them to conduct they way they have and for a supervisor not to know his rules and guidelines I felt harassed
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are consistently violating my federally protected consumer rights to privacy and confidentiality under FCRA 15 U.S. CODE 1681. XXXX and Transunion are also reporting my alleged relationship with XXXX XXXX and XXXX XXXX XXXX. 
XXXX and Transunion are also reporting late payments on my credit report in which are illegal under 15 U.S. Code 1605 - Determination of finance charge - There Should be no late payments if a finance charge was involved. Finance charge is the sum of all charges so theres no late payments.They should all be removed from my consumer report under 15 USC 1605 ( a ).
Product: Debt collection

I was in an auto accident in XXXX of 2017 at the fault of another party and suffered medical attention. All medical bills were to be paid by the other party 's insurance and we're never paid. This is not my debt.
Product: Credit card

I experienced identity theft and notified Wells Fargo, XXXX XXXX, XXXX, XXXX and XXXX. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at Wells Fargo under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now Wells Fargo is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. Wells Fargo claimed it was my problem. XXXX, XXXX XXXX and XXXX claimed I owed an amount that was also part of the identity theft. I provided them with two police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And XXXX was paid in full and apparently that payment went to a different payment address and it took XXXX three months to get the payment credited to my account. They have put this on my credit report as late payments. Well Fargo Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which Wells Fargo said I did not have to pay until the modification was complete. During the modification progress, Wells Fargo continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.
Product: Credit reporting or other personal consumer reports

I have been going through troubling times. I haven't been able to receive any financial help through my credit due to false information reporting on my credit. This Account has several inaccuracies that relies within it and after asking to verify and remove the problem was never fixed. 
In Accordance to the FCRA ( Fair Credit Reporting Act ) 15 U.S.C. 1681, requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy Standards for creditors that provide data to agencies.

Cleary this law was not followed through, if I am STILL seeing inaccurate information on my credit reports till this day. Each of the credit bureaus is not correlating with each other and I am suffering due to incorrect and inaccurate information that is reporting, when this account was not mine in the first place. 
Inaccurate Accounts listed and the bureaus that's reporting it inaccurately : TransUnion : Account Number- XXXX Date Opened- XX/XX/XXXX High Credit- {$15000.00} Date Last Active- XX/XX/XXXX XXXX : Account Number- XXXX Date Opened- XX/XX/XXXX High Credit- {$0.00} Date Last Active XX/XX/XXXX How is this report considered accurate when the account number doesn't even match.
Product: Credit card or prepaid card

I submitted a complaint with CFPB XX/XX/XXXX, The company did not FULLY investigate my fraud claim and hastily sent a response that they did and my claim was unfounded which is untrue. 
The investigated the wrong card as well. 


When I checked with CFPB I seen my claim was closed with that same letter I received from the company as the reason for the closure. 
As i said before I reached out to the CFPB because of the lack of rsponse from this company. 
To date the company refuses to answer my concerns which I find alarming. 
I've yet to be able to speak to a human concerning the initial XX/XX/XXXX complaint Beside having my calls dropped, I been connected to lines that are never answered. 

Only contact numbers involved XXXX XXXX XXXX XXXX XXXX XXXX Its as if the company as well as CFPB didn't even read my complaint. 

Original text : YOUR COMPLAINT On XX/XX/22, I Received an email that my bi-weekly pay check was deposited in my AmericanExpress XXXX  bank acct. Several hours later I received and text stating a ATM withdrawl was denied, and a XXXX charge was placed on my acct. I immediately opened my mobile acct and seen 4 un-authorized withdrawls were recently made by ATM in the XXXX  XXXX XXXX, NY. After placing a freeze on my acct I contacted XXXX XXXX XXXX. I notified them that I had experienced this same type of fraud an previous time with my XXXX  acct ( Physical swiped charges where made at a California XXXX, while I had physical possesion of my XXXX  card in New York ) I explained that I currently possessed card ending in XXXX on my person in the XXXX, NY and at no time was I ever at the location where the un-authorized swipes were made XXXX, N.Y. At this time I also noticed a previous un-authorized charge from 2 weeks prior that was also listed on my account. DATE LOCATIONS XX/XX/22 {$100.00} XXXX XXXX XXXX XX/XX/22 {$300.00} XXXX XXXX XXXX XX/XX/22 {$200.00} XXXX XXXX XXXX XX/XX/22 {$180.00} XXXX XXXX XXXX XX/XX/22 {$50.00} NY DOT XXXX XXXX After making my initial contact with XXXX  cust service, I have been unable to reach anyone at the telephone I made the claim. Past 10 days the automated number disconnects when you request to beconnected an agent. I just received a letter from XXXX stating after their investigation they were declining my claim on card ending XXXX. The card with un-authorized charges ended with XXXX. Card ending XXXX is the replacement card Ive yet to receive. I would appreciate any help you can extend. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid off in XX/XX/2020 ... They not only showed this account as still open on my credit report in XXXX, they reported this account that was PAID OFF AS late for XXXX!! ... .. This account not only showed as PAID OFF IN XXXX ... but they submitted LATE payment in XXXX and XXXX! I have sent out emails to this company on XX/XX/2020 and XXXX about the late payment and requested that they both be removed off my credit report, and send me a pay off letter and it was also showing PAID OFF in their system in XXXX.. According to the system they allow you to push payments outs from the due date. That was not the first time I had a loan from this company and each time I would push the payment date to the XXXX of each month and NEVER had a late fee. When the system notified that I could get a late fee for pushing out the date I made the payment on this last loan immediately. TO AVOID A LATE FEE ... SO NOT ONLY WAS THERE 1 LATE REPORTING, THERE IS NOW 2 .... I am asking that the correct this issues ASAP!
Product: Money transfer, virtual currency, or money service

Someone stole from my cash app on several different occasions and I wasnt able to get it back so I had to cancel my account
Product: Checking or savings account

I had a debit prepaid card with Netspend XXXX my work check loaded to this account. I had over XXXX in the account I went to use my debit card in XXXX XXXX it said declined I call because I was locked out of my phone app to view my account I was told I need to send my drivers license and social security card to netspend by email to have my account unlocked within 4 hours I did not send anything I thin talked to their fraud dept and found out XXXX was transferred to a person I do not know they told me they would reset everything and send me a new card as well as unlock my app to view my account when I tried to do this after it was supposedly set in did not work. I called back and they said I was a victim of identity theft and they were closing my account and would send me a live check to my address in 7-10 business days. they said they would dispute the XXXX and send me my account summary for XX/XX/2019 which I did receive and saw other fraud charges for out of state services and a cell phone. they never sent my remaining balance of XXXX as said they would in 7-10 business days. I called XXXX to get an update on the XXXX unauthorized transfer and Netspend said it was considered not fraud because the person who called in pretending to be me knew my security question answer. they said no refund would be issues. They would not let me speak to anyone further.
Product: Credit card

I bought a laptop from XXXX on XX/XX/year>, for {$1900.00} using my Apple credit card but I never received the laptop. I live on a university campus and the laptop was shipped to a storage locker, but I never received a storage locker access code from UPS, meaning I could not get my laptop. I contacted XXXX about the issue, but they claimed that they could not fix my problem and asked me to contact XXXX XXXX. XXXX XXXX 's customer service was of no help and they refused to refund my purchase. I then started a dispute with Apple Card 's Goldman Sachs bank. They denied my dispute, to which I provided additional information in the form of a police report, in which the detectives assigned to my case deducted that I did not receive the laptop and that it was locked in the storage locker. My university policy ensures that any package not picked up from storage lockers within a week gets returned, so the laptop can not be retrieved anymore. Even upon being provided further evidence from my police report and detective findings, Goldman Sachs denied my dispute. As of yet I still do not have the laptop that I purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated that my accounts were properly investigated but how is that possible if the open date is inaccurate, date last reported is inaccurate, last active inaccurate, last payment date inaccurate, Past due inaccurate, Balance inaccurate, account status inaccurate, monthly terms inaccurate. This is grounds for removal and they also violated my rights under 15 U.S Code 1681 Section 602 A States I have the right to privacy.

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

Also the credit bureau took more than 30 days to complete my investigation here is my certified mail tracking # XXXX # XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry took place on my experian credit report on XXXX XXXX, 2017. I was never contacted with the results of this dispute in writing, email or via phone. I had to put a security freeze on my credit report due to the unauthorized inquiries that took place.
Product: Checking or savings account

Bank charge our account a monthly service charge with out our approval. Now they don't want to take responsibility and won't return our money
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA, the burden of proof lies on, XXXX Equifax you are the one allowing fraudulent information to report on my credit report. Im entitled by the Fair Credit Reporting Act ( FCRA ) to request the credit bureaus to substantiate it, and if found to be an error, remove it. The Federal Trade Commission ( FTC ) allows consumers to access the FCRA to learn more about their rights when it comes to their credit report. Payments reported late when they were not late. 15 USC 1681b Permissible Purpose Thank you for following the ethical standards set by the FCRA and removing these late payments. I call, XXXX, Equifax and someone was cursing and swearing at me. Laughing in the background.Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau XXXX, Equifax each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters., XXXX, Equifax are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email, Equifax, XXXX CEOs as last resort before I Sue them all.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Was Made on Time : I made the required payment on time, as reflected by my bank statement. I have attached a copy of my bank statement, showing the payment was made before the due date, yet it was incorrectly marked late.

No Late Payment Notice : I never received a notification or statement indicating a late payment or any penalty associated with a late fee. This suggests that the payment was not considered late by the creditor at the time.

Processing Delay on Creditors End : The payment delay resulted from a processing error on the creditor 's end, which should not reflect poorly on my credit history. The payment was processed late through no fault of my own. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS 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 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 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

I have a mortgage showing on my XXXX credit file from XXXX XXXX. This mortgage was obtained in XX/XX/2002 by my mother. We both have the same name and I'm certain this is probably why her mortgage is was mistakenly placed on my report. The mortgage is not negatively affecting my report, however I am now trying to obtain a mortgage myself and this is causing a problem for me. When the home was purchased I was only XXXX old at the time which would make it impossible for my to obtain a mortgage, I was only in the XXXX grade. I have made attempts to have this removed so that I can start my home buying process but it has been a hassle. My mother and I do have the same name, however our social security numbers, age, and other things will verify that this mortgage DOES NOT belong to me and I am requesting that it is removed from my XXXX  report and any other report it may be reporting on.
Product: Credit card

So I had an Amazon credit card with chase. Apparently, once you acquire an Amazon card it becomes your default card when you purchase. I made a purchase on the card unknowingly of course so I was late 40 days, which I paid the remaining balance today. I proceeded to ask Chase as to why did no one call me? Their response was well you were late in XXXX for an amount of 8 dollars, which I paid as soon I learned about. Oh we sent an email, they said. To which I replied, brother I have been a loyal customer barely used the card and when I use it I pay it off. Why would you not call me instead of ruining my credit? If you are able to use predictive analysis to know if I am shopping outside my area so Chase does n't loose money why does n't Chase call me? It must be better to charge me the 50 bucks on late fees and ruin my credit so they can charge a higher interest rate. To add insult to injury I was told by various representatives that Chase is not responsible for calling their customers.
Product: Debt or credit management

On XX/XX/year>, we purchased a couch from XXXXXXXX XXXX XXXXXXXX for the amount of {$2300.00} through a contract agreement. There was an initial payment of {$52.00} another payment of {$230.00}, 7 days later. The contract agreement had an early pay off option of 90 days which we attempted to utilize through the mobile app. The mobile app had a button to pay purchase amount of {$2000.00}. To the total {$2300.00} on XX/XX/year> more than the amount agreed upon for the couch. Also of note we had set up auto pay for the account to make up bi-weekly payments until we did the 90 day early payoff. Also there was a separate payment in store at XXXXXXXX XXXX XXXXXXXX to cover taxes. 

No payments had been taken out of the account until {$36.00} on XX/XX/year> and bi-weekly amount of {$220.00} in processing. When we checked the account the previous payment was list as " Prepaid '' instead of the pay off purchase we were told/sold at this time Acina is expecting payment of another {$1700.00} + tax totaling over {$5500.00} for a COUCH! We followed the instructions of XXXXXXXX XXXX XXXXXXXX exactly but they have set up their system to lock people into ridiculous " rental '' accounts '' with no realistic way to execute the cash price payoff. The execution of this contract agreement is predatory and we refuse to pay any amount more than the cash price of the couch that was agreed upon.