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

I recently review my credit report and noticed a reinserted account on my consumer report. 

Consumer Financial Protection Bureau Subject : Complaint Against [ TRANSUNION ] for Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) Dear CFPB, I am writing to file a formal complaint against [ TRANSUNION ] for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). 
I previously disputed an account XXXX XXXXXXXX account number XXXX, on my credit report, which was found to be inaccurate, identity theft and subsequently removed. However, this account has been reinserted into my credit report without any notification from [ TRANSUNION ] within the required five business days. 
This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. 
I have already contacted [ TRANSUNION ] regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that [ TRANSUNION ] complies with FCRA regulations and corrects this issue immediately. 
Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion. 
I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Account was open st wells fargo without my knowledge and products was signed up for such as credit repair and theft identity fraudulent I called to get the paperwork to show me who opened the account when the account was opened and a breakdown of the account they denied me the paperwork they sent me a check last year for {$250.00} which I believe that is not enough compensation for opening up a bank account in my name without my knowledge or up or opening up other products from their bank without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, I had a secured credit card with XXXX XXXX XXXX Bank. There was fraud on the account, which resulted in a new card issuance. XXXX charged back too many accounts, which resulted in a disagreement as to debts owed. My secured limit was {$1400.00}, I closed the account and was told I owed {$850.00} dollars. I disputed it several times to no avail. 

In XXXX, I received a 1099-C ( Cancellation of Debt ) from XXXX for this {$850.00} dollars. XXXX reported to the credit bureaus that the {$850.00} was a charge off- in XXXX. 

On my XXXX tax return, I added the 1099-C to it, and of course it acted as income, for which I had to pay taxes on. 

In XXXX, XXXX, I disputed this transaction with all 3 Credit Bureaus, I also submitted a copy of the 1099-C, as proof to show that this was no-longer a Charge Off, and that in fact this is basically a Charge Back. XXXX credit card department is upholding this as a current debt. 

I tried calling and speaking with XXXX, but none of the associates, even their supervisors understand how a 1099-C works and believe that the debt is still owed.
Product: Debt collection

Found on my credit report medical bills I did not know about. On top of that they are on two separate names which is more confusing. Several months back I called and said I 'm willing to pay my debt but they need to remove it from my credit report at which time they refused. I do n't think it 's fair that they do n't tell me that I have this debt and just send to credit report without notifying me first. 

On XXXX : COLLECTIONS XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX {$590.00} Opened XX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX {$180.00} Opened XX/XX/XXXX On XXXX : XXXX XXXX {$180.00} Opened XX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX {$590.00} Opened XX/XX/XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX I have not seen my XXXX credit report so I 'm not sure what is on there. 

And why are they using two different names I do n't understand this. I feel as though they are trying to purposely damage my credit. If I had known about these that I would have paid them plain and simple. The fact that they absolutely refused to take them off my credit report even after I pay is ridiculous. I really need help dealing with them as they have made it plain and clear that they have no regard for what they have done to damage my credit.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, I recently submitted a claim/dispute that my information was leaked in an XXXX data breach. I submitted complaints via the CFPB with complaint ID # XXXX : XXXX XXXX, XXXX XXXX XXXX and XXXX, XXXX. After all accounts listed on my dispute were removed XXXX XXXX XXXXXXXX XXXX XXXX DISCOVER BANK, XXXXXXXX XXXX ) They were placed back on my report! This is unacceptable behavior towards someone who is a victim of identity theft. I completed an Identity Theft Report ( reference # XXXX ) and you honored my request. There is absolutely no reason for any of these accounts to be reappearing on my credit report. I provided the appropriate documentation to support my claim. Anyone claiming this account to be mine, has used my name and personal information without my consent!! These accounts must be BLOCKED and DELETED PERMANENTLY according to 15 USC 1681c-2 ( a ). As a consumer, it is my right to dispute inaccurate and fraudulent information. DISCOVER BANK XXXX, and XXXX XXXX XXXXXXXX was reinserted back on my credit report without a letter sent to me in writing within FIVE DAYS before it was reinserted. According to the FRCA, this is against the law and against my consumer rights. I demand this account be removed, because any information provided that it belongs to me is FRAUDULENT, and not relayed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Note : This is my 4th Complaint with the CFPB about the same issue with Experian and I have Disputed this Negative XXXX XXXX account # XXXX Eight times. In my last dispute with the CFPB XX/XX/18 Experian emitted they Did Not do a proper investigation on the item I disputed. Experian have use they XXXX XXXX which is unacceptable according to the FCRA. I Am Demanding a Copy of the Original Signed Contract and a Proper and Internal Investigation get done. If Experian would have did a Proper Investigation this would Not be on my Credit Report. I Have submitted a complaint with the attorney general also! Please remove this Negative account thanks
Product: Credit card or prepaid card

To whom this may concern, I want to express my disappointment with the handling of my recent dispute involving an amount of {$410.00} on XX/XX/XXXX. I provided an extensive and well-documented six-page rebuttal on XX/XX/XXXX, including evidence such as photographs, receipts, and text messages. However, I am concerned that my case may not have received the thorough review it deserved. 

On XX/XX/XXXX, I scheduled an appointment at the salon to receive a hair service for a full head highlights and a blunt cut without any layers. However, during the appointment, I immediately noticed that the stylist was cutting my hair shorter than the agreed-upon length. I voiced my concerns, but the stylist defensively claimed that it was the length we had discussed, She then said it could be because of face-framing layers she added. I did not request any face framing layers. At the end of the visit the stylist curled my hair.It was not until I followed the stylist 's advice to wait 48 hours and wash my hair that I fully I discovered the addition of black permanent dye, which was not part of the intended service and the choppiness of the haircut that was initially disguised by the styling. I immediately reached out to the salon manager to talk about my experience and seek a resolution. I wanted to go through him because I saw how defensive she got when I brought up the cut at the salon. Unfortunately, I found his response unhelpful, as he did not provide any satisfactory solutions or address my concerns. He let me know he did not specialize in color only haircut. Given the circumstances, I felt it was unfair to pay for a service that not only left my hair darker and choppier but also deviated from the agreed-upon plan. I decided to contact my bank to dispute the charge, seeking a just resolution for the disappointing outcome and unsatisfactory service. I received an email with the stylist response to the dispute. However, the response from the merchant to the dispute did not address any of the specific issues I raised, such as the bad haircut and the addition of XXXX permanent dye. Despite the merchant 's inadequate response, Capital One unjustly favored their stance, claiming that the issue stemmed from my failure to directly contact the merchant. Nevertheless, it is essential to emphasize that I made genuine efforts to resolve the matter by reaching out to the salon manager and expressing my dissatisfaction through a XXXX review. Despite my sincere attempts to engage with the merchant, Capital One deemed them insufficient and proposed a three-way call as a solution, placing me in an uncomfortable position where I would have to plead for my rightful refund. This proposed approach not only appears ineffective but also undermines fundamental principles of fairness and customer protection that should be upheld in such cases. 

I kindly request the Consumer Financial Protection Bureau to thoroughly reassess my dispute. 

Thank you for your assistance.
Product: Checking or savings account

I have unauthorized charges ( fraud ) committed randomly on my account from XXXX XXXXXXXX XXXX XXXXXXXX. These charges were from a XXXX XXXX in AZ and the number by the transactions is XXXX. I filed a claim with Chase Bank, they refunded the money for XXXX dollars at the end of XXXX, but then took it back out in XXXX stating on the report that it was me and not fraudulent. I then called back and had them reopen the claim because they did not have significant proof that it was me. They put the money back on the account on XXXX XX/XX/XXXX but then took it out again on XX/XX/XXXX stating that again it was me and the claim is closed. 
On XX/XX/XXXX I called the Chase fraud number and I spoke with a XXXX oversees outsourced call who stated I would have to go through XXXX to settle the dispute. I called XXXX that same day and they said they have no charges to my name or on account that have the credit card ending in my numbers, as stated on my atm and debit card withdrawals form from Chase. I then called back Chase to another outsourced number on XX/XX/XXXX and got a XXXX on the phone. She said I would need a letter from XXXX, I told them that that is their job to inquire and investigate the charges through XXXX because XXXX won't do that for me. I was on hold for 2 hours that day, she said she would come back on and tell me what my next steps were, and never came back on, I let the phone stay on hold while I went about my day. Finally it disconnected after 2 hours and no one got back to me. I've sent several emails asking them to please reopen the claim and they do not reply. 
After heartache and frustration, I finally went to the XXXX XXXX where my family does their banking on XXXX XXXX and asked for help. We spoke to XXXX an accounts manager and she tried to get the case reopened for us, speaking with some further ups. They reported that it was chip to chip purchases and that's why they think it is me and won't reopen it. I explained over and over again that I have my card, and I never used in in XXXX let alone in AZ and that someone must have gotten their hands on my account numbers or has remade a card or stolen my identity. XXXX ended up pulling up the back end information and recognized that the purchase were not chip to chip but keyed in. The bank then reccommended getting a police report for fraud and that could initiate a reopening of the claim. I got the police report and then sent it into them via my direct messages through chase bank online account. They replied, case closed again and I was unable to get anyone on the phone. I went back to XXXX at my local branch and she called the higher ups and said I had the police report, they said that it did not matter and that the claim is closed and there is no further action I can take. I am out XXXX dollars of MY money, and I do not know what to do or where to turn to get my money back. I have all of the documentation should you need.
Product: Checking or savings account

Hello, I received a notice that my account is restricted. I called and asked why, I was told I violated member agreements. I then asked what have I violated, they could not answer me, they said they cant give any further information and they have to close my account. This made no sense, they sent me the same notice 3 weeks before and within minutes unrestricted my account. They are giving me no answers and they said I cant speak to anyone else because the matter is closed.
Product: Credit reporting

The following items are listed on my Equifax credit report erroneously : Original Creditor : Account # : XXXX High Balance : XXXX Date Opened : XXXX/XXXX/XXXX Date Reported : XXXX/XXXX/XXXX Balance : XXXX Condition : XXXX/XXXX/XXXX Responsibility : Individual Remarks : Equifax Original Creditor : Account # : XXXX High Balance : XXXX Date Opened : XXXX/XXXX/XXXX Date Reported : XXXX/XXXX/XXXX Balance : XXXX Condition : XXXX/XXXX/XXXX Responsibility : Individual
Product: Credit reporting or other personal consumer reports

I called to have them update my correct information and it was never done
Product: Credit card or prepaid card

I received a Chase credit card in the mail I did not apply for on XX/XX/2023. I checked my XXXX account and saw there was a credit report ran by Chase on XX/XX/XXXX. I called Chase on XX/XX/XXXX to ask if the credit line was active and was told not only was it active but there were already charges on the card although I had just gotten it and it was still attached to the mailed paper. I believe the charges were from something XXXX and a XXXX XXXX. After explaining this, the card was going to be frozen and I then called XXXX to file a report. I called immediately after also on XX/XX/XXXX were an official report was done after being transferred to a specialist for the inquiry. Now I am waiting to file a police report and finishing this report.
Product: Credit reporting or other personal consumer reports

i reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX  XXXX. Please investigate and provide proof with statements showing that these payments were late. if proof can/t be provided i demand these payments be updated to on time as they should be as i was Never late. thanks
Product: Credit reporting or other personal consumer reports

When I reviewed my credit reports I still see the fraudulent accounts, erroneous and inaccurate information reflected in my credit reports. The EQUIFAX must validate these accounts, this complaint to EQUIFAX is in line with Section 609 ( a ) ( 1 ) ( A ) and 611 a ) ( 1 ) ( A ). These accounts needs to be corrected and investigated as they are totally erroneous.
Product: Credit reporting or other personal consumer reports

Instances of reporting unauthorized activity have occurred multiple times. It is crucial to remove any unauthorized items within four business days. This process requires providing adequate proof of identity, submitting an identity theft report, identifying relevant details, and confirming that the activity is unrelated to any of my transactions. 
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 XXXXXX/XX/year>
Product: Credit card

I was called by Kohls. They said I have an overdue balance on my Kohls credit card. I have never been to Kohls or shopped there. I never opened this credit card. They said the card was opened in a store location in XX/XX/year> and was charged {$350.00} dollars.
Product: Checking or savings account

Wells Fargo opened a Trust account for the co-Trustee of my father 's Irrevocable Trust. My father passed on XXXX XXXX, 2017 and a life insurance payout from XXXX XXXX was issued for the XXXX XXXX Irrevocable Trust. I, XXXX XXXX, am a Trustee of the Irrevocable Trust along with my brother XXXX XXXX. XXXX XXXX informed me the payout check in the amount of {$620000.00} was deposited/cashed at Wells Fargo. My share of this check is $ {$310000.00} as per the Trust Agreement. I went to Wells Fargo to inquire how the check was cashed without my signature or knowledge. The branch Rep. XXXX XXXX at Wells Fargo informed me that my brother opened an account in the name of the XXXX XXXX Irrrevocable Trust and had listed me as Survivor instead of Trustee and I had no access to the account. I provided the Trust papers confirming this account has incorrectly listed me as Survivor instead of Trustee and the branch manager reviewed the documents and confirmed this to be true. The branch representative called Wells Fargo Legal because I requested they correct the account and list me as Trustee or freeze the account until it was corrected. I emailed the Trust papers to the Wells Rep. and she forwarded it to Wells Fargo Legal while I was at the branch. Wells Fargo informed me there was nothing I could do and I must obtain a court order to obtain any information or make any change to the account. I had to pay an attorney {$4000.00} in order to obtain my share of the Trust. I also had no way to know if that money was taken while I waited for my brother to respond to the attorney. I returned to Wells Fargo on XX/XX/XXXX to inquire if the money was still in the account and they again refused to make any changes or release any information. Wells Fargo fully acknowledged the account was incorrectly opened based on the Trust Agreement but refused to make any corrections or place any hold on the funds. Wells Fargo opened the account without proper documentation and by refusing to correct the error cost me {$4000.00} in legal fees. I would like to file a complaint against Wells Fargo for costing me {$4000.00} even though they acknowledged this account was incorrectly opened. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I received a copy of my consumer report and I was shocked at the fraudulent activity that was furnished on my profile. XXXX XXXX and XXXX XXXX  both are listed on my consumer report. Each company has XXXX accounts with debt that does not belong to me. I have filed a FTC report and I have requested an investigation into these matters with the companies and I have not received a response. I have never consented to any contracts with these companies and I have never given anyone permission to use my nonpublic personal information. According to 15 USC 1681i it is required by federal law for you to investigate these items and provide me with anyone information that has first hand knowledge of this alleged debt within a reasonable timeframe or these accounts should be promptly deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau has illegally added a late payment for my closed XXXX XXXX credit card that was paid over two years ago. The account number is # XXXX and this account should not be reporting any new activity, it has been paid and closed. I am attaching a screenshot from an XX/XX/XXXX credit report and a recent XX/XX/XXXXreport I got from my mortgage broker. As you can see in the screenshot I highlighted, the credit bureau added a 90+ late payment date of XXXX for my XXXX XXXX account. This is impossible since the date of last activity for the account was XXXX XXXX and it is a closed account. Under the Fair Credit Reporting Act Section 605 ( c ), it is a violation for a creditor and credit bureau to try and " re-age '' an account by updating the date of last activity. I need this XXXX 90+ late payment to be deleted immediately as it is inaccurate and incorrect reporting.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize : 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

Good afternoon I'm reaching out because you have Send me a notification via email confirming that XXXX XXXX XXXX account was deleted from my credit report however upon opening my credit score I can clearly see that it's still visible and available on my credit report. Again you have no evidence at all or any proof that this account belongs to me however I have a document attached with over 20 pages With evidence confirm that this is not my account again go over my documentation step-by-step and don't you dare to tell me again that I have not provided you enough information and that you somehow are able to verify this account and yet don't provide me with physical proof as you are obligated by federal law.
Product: Vehicle loan or lease

Ive submitted a complaint already regarding the US Auto Credit account my report. It has surpassed 30 days and a resolution still hasnt reflected on my report. In fact the company is still updating the balance on the account even though I no longer possess the vehicle. This isnt even the original company used whe. I first completed the deal. I dont understand how they have the right to manipulate my credit report as if I the account is open when the vehicle has been repossessed. I believe many unlawful acts is being performed by this company and they should be investigated thoroughly and URGENTLY.
Product: Credit reporting or other personal consumer reports

I have not been supplied of proof under the doctrine of estoppel by silence. XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX,/ presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists. '' I am aware of the Fair Credit Reporting Act ( FCRA ), particularly Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( C ), which prohibit furnishers from reporting data they know or believe to be inaccurate to a Credit Reporting Agency ( CRA ). As per the FCRA, if a consumer notifies a furnisher of incorrect information, the furnisher is obligated to cease reporting this misinformation. 
Non-compliance with the FCRA can lead to legal action from the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state governments, or directly from consumers. The FCRA specifies maximum penalties of {$4700.00} per violation for lawsuits initiated by the FTC. 

The incorrect listings on my credit report have a negative impact on my credit standing. I am concerned that I may be mistaken for someone else with a similar name in my city or state. It is important to note that these inaccuracies are not reported by other credit bureaus.