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

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

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX account is no longer past due or in a charge-off status. This account has been paid in full. XXXX has failed to report my on time payments to Equifax that were made made on this account from XX/XX/2022 XX/XX/2022 as proven by the attached evidence of my payments on the account. Also, see the previous dispute letters that I have sent to XXXX in an attempt to resolve the matter. 

XXXX responded with a letter dated XX/XX/2022 and AGREED TO REMOVE this inaccurate and incomplete payment account history from my Equifax credit report. See attached letter dated XX/XX/2022 from XXXX. 

As of XX/XX/2022, XXXX has not removed or updated this discrepant payment history from my Equifax report.
Product: Debt collection

I was using XXXX and moved out of address. I was going to pay the bill to XXXX and then a month too late they gave this debt to helvey so i contacted helvey today that i want all derogatory stuff all credit file in exchange for the XXXX paid in full today and they refused to help me do that i called XXXX back and offered the XXXX if they would remove all derogatory XXXX and they said it is too late to pay them directlyt so i want to pay this XXXX today cash and only if they remove my collections and late and all negative remarks all bureaus ..
Product: Debt collection

Bank of America has been reporting negative information on my credit report for the past couple of years. This account has been closed on my account for years without any verification of the debt being owed. As well as it being on my account for the staute of limitations that an an account can be in an credit report in XXXX XXXX.I have a pulled credit report from XXXX showing that the current dates on my XXXX credit report are totally different.
Product: Credit card or prepaid card

XX/XX/XXXX I wish to register a strong complaint against Barclays Bank. 

They are fully aware that my Barclaycard has been used fraudulently but will not correct my statement.

-Brief Explanation- I have a Barclays Barclaycard credit card. 

On XX/XX/XXXX, they notified me that they had detected that it had been used fraudulently. 

I checked my statement and identified ten seperate fraudulent transactions the first on XX/XX/XXXX. 

I loged into my account on XX/XX/XXXX, and filled out their 'fraud report ' but in spite of many attempts it refused to SEND. 

So, I went to their on line 'chat ' portal and explained about the ten fraudulent charges totaling more than {$550.00}. 

Their reaction was " sorry we can't help, you must call '' I explained that I am quite deaf and do not initiate calls, I wasted an hour with them, all to no effect, before giving up. 

So, on XX/XX/XXXX, I went to their send us a 'secure message ' portal and typed in the full details of the fraudulent usage. 

Their reaction was " sorry we can't help you must call '' Over a number of subsequent secure messages i explaind that I am deaf and that their 'fraud form ' refused to SEND. 

It made no difference their mindless reply... send 'fraud report ' or call us! 

So, on XX/XX/XXXX, I sent letters to both the listed headquarters of Barclays fully detailing the fraudulent charges.

They have not responded.

The fraudulent charges have not been removed from my statement! 

They have now filed adverse reports with the credit tracking agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Violation of Fraud Reporting Regulations by Equifax Dear Sir/Madam, I am writing to file a formal complaint against Equifax for violating federal consumer protection laws related to the reporting of fraudulent activity. Specifically, Equifax has inaccurately reported late payments on my XXXX XXXX XXXX XXXX account, which directly contradicts the legal framework governing permissible consumer reporting practices.

Under 15 U.S. Code 1681b ( " Permissible Purposes of Consumer Reports '' ), a consumer reporting agency is permitted to furnish consumer reports only under specific, lawful circumstances. Furthermore, the Fair Credit Reporting Act ( FCRA ) prohibits the reporting of transaction histories or experiences between the consumer and the person making the report unless explicitly authorized by the consumer. Reporting such transaction history, including the alleged late payments, without my written consent is illegal and a clear breach of federal law. 

The inaccurate reporting of late payments has adversely affected my creditworthiness and overall financial standing. This unauthorized and erroneous action by Equifax violates my rights as a consumer and causes undue harm, contrary to the FCRA 's objectives of fairness, accuracy, and privacy.

I request the following : 1. Immediate investigation of the violation by Equifax. 
Removal of the inaccurate late payments reported to XXXXXXXX XXXX XXXX XXXX. from my credit file. 
Assurance that Equifax will comply with federal laws moving forward to prevent similar issues from occurring.

Please confirm receipt of this letter and provide updates regarding the investigation within 30 days, as required by the FCRA.

I have included copies of relevant documentation, including my credit report and correspondence with Equifax.

Thank you for your prompt attention to this matter.

Sincerely,
Product: Checking or savings account

Since my father passed away in XXXX of 2023 I have been calling citizens bank trying to put a hold/freeze on his asscount so my step sister could stop accessing his card bc over {$15000.00} has been stolen. I have phone records, emails and fax conformations all showing how many times I have been trying to talk to people at citizens along with a detective from the local police department who is trying to access with videos and get told they are " backlogged '' or don't have access to the videos anymore even though like I said I have been trying to get them to look at these videos since XXXX. They are trying to deny my claims and unwilling to pay me the money back. 

I received a partial refund but now when I try to contact the same department no on answers the phone or returns my calls or responds to my voicemail. I have been calling since XXXX and was told they wouldn't issue the rest of the money because it was still under " investigation ''. I'm still owed over XXXX grand at least and the least they could do is not avoid me and let me know what's going on. They just keep evading the situation and it is completely unprofessional.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md, XXXX XXXX ( XXXX ) XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Information Services LLC I am writing to formally request the blocking and deletion of accounts that were fraudulently opened in my name as a result of a data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ), which provides protection for victims of identity theft.

The following accounts, appearing on my credit report, have been identified as unauthorized and fraudulent : XXXX. XXXXXXXX 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 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  XX/XX/year> These accounts were not authorized by me and are a result of the data breach that compromised my personal information. I have attached the necessary supporting documentation, including a copy of my identity theft report and any relevant information related to the breach. 


Please process this request and confirm in writing once these accounts have been blocked and deleted from my credit report. 


Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX XXXX
Product: Mortgage

I got my home Financed from Wells Fargo Bank in XXXX under 5 Year Arm. My initial amount for home loan closing was less than 20 % of my home amount, thus, I was asked to pay PMI insurance of {$160.00} per month. 
Later, when my financial condition was little better I reached out to bank to check that I am interested to finish my PMI insurance charges of {$160.00} per month. I tried 3 times to reach bank officials for the PMI insurance removal after meeting 20 % payment. 
For the purpose I requested the bank to get my home reassessed with latest market price and let me know the amount which I should pay, which could help finish PMI insurance amount. But Bank always sent me one standard format that your property value has not increased, even though on XXXX, XXXX and other websites the estimated value was shown more. Also, similar homes in my local area those were built by same builder during the same time were sold for more during XXXX to XXXX. I did considerable upgrade to home, which was also not accounted for reassessment ( ideally upgrades increases value ). 
Wells Fargo always wanted additional amount so that the amount should come up to sum of 20 % down payment of closing value ( At the time of financing ). 
After loosing all hopes, I had to switch my home loan to another lender at even higher rates. 

Since, I have moved off Wells Fargo Mortgage - I dont have any of the communication handy. But if Bank is maintaining the details of customer conversations, one can easily get it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The water finance company Aqua Finance was a fraud and not correct with their offering to give for their product everything was fraudulent and I think its not right to do people like that and I want it off my credit
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my Federally protected Consumer right to privacy and confidentiality under USC 1681. 

XXXX ACCT NUMBER XXXX XXXX  ACCT NUMBER XXXX XXXX ACCT NUMBER XXXX XXXX ACCT NUMBER XXXX XXXX XXXX ACCT NUMBER XXXX XXXX XXXX  ACCT NUMBER XXXX 15 USC 1681 Section 602 ( A ) affirms a right to privacy.

15 USC 1681 Section 604 ( A ) affirms that a Consumer Reporting Agency ( CRA ) can not furnish account information ( or status ) without written permission. To date, no such permission has been granted or authorized.

15 USC 1681c ( a ) ( 5 ) affirms that no Consumer Reporting Agency ( CRA ) may make any consumer report containing the following items of information : other adverse items of information or records of convictions of crimes which antedates the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) affirms that a person shall not furnish any information relating to a consumer reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/2021 I received a text message from Wells Fargo Fraud department stating there was unusual transactions on my account. I was about to call them when I received a phone call from a XXXX number. I answered the call and a man stated he was with Wells Fargo Fraud Department and was calling about unusual account activity. He verified my identity asking for my last 4 of social, DOB, and card number ( all normal verification questions that were also asked when I filed my claim with Wells Fargo later. This person stated his name was XXXX XXXX and after confirming I did not make a {$120.00} transaction, he stated he was shutting off my debit card and they would be mailing me a new card. While I was verifying my address for the new card to be sent to, I logged into my Wells Fargo app to check my account and noticed there was a {$500.00} and a {$380.00} charge along with numerous attempts ( at least 10 ) for the {$120.00} charge all within minutes while I was on the phone. I immediately turned off my debit card on the app to stop any further charges and hoped Wells Fargo would straighten it out as I had spoken to someone within minutes of it happening. Saturday morning ( 36 hours later ) I noticed my money had not been credit back to my account so I called Wells Fargo Fraud department to check status of my claim. They said I had no made a claim and after some confusion we deduced that the person I was speaking with had not been with Wells Fargo. I made a claim with them immediately. It is now 6 days later and I called to check status and they are telling me it is denied. This money was stolen from my account by someone stating they were with wells fargo and thought they were trying to help protect my account. Charges stolen total {$1000.00}.
Product: Mortgage

On XX/XX/2019 I was qualified to obtain a mortgage through NACA. On XX/XX/2019 XXXX XXXX discriminated against my disability and cancelled my qualification, told the lawyers not to accept my executed contract and had me spend money I did not have. I emailed XXXX XXXX on XX/XX/XXXX to request an adverse action letter as NACA has been consistently pulling my credit as this was a credit based loan, and himself as well as XXXX XXXX emailed me back they do not need to send out an adverse action letter as to why I am now being denied a mortgage after I was already qualified. 

I believe this goes against the FCRA. As a consumer, if I apply for credit based loan and am denied, I am entitled by Federal Law to receive an adverse action letter. Since my credit was pulled multiple times by NACA, I am requesting for an adverse action letter to be sent to me. 

NACA is a predator and they're using unfair business practices. I was lured into the program under false pretenses and false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Equifax since XXXX of this year 2020 to update my information. I have faxed, called 8 times, only to be told 8 different stories about why I cant personally see my account along with why my account has not been updated since XXXX of this year 2020. They tell me they will do an investigation and get back with me but no one has gotten back with me or fixed this issue.
Product: Debt collection

I have sent three letters asking for them to show proof of my signature and of the agreement or remove it off of my credit reports. They have failed to respond.
Product: Money transfer, virtual currency, or money service

I was recently trying to purchase a car from this company Carvana, I got approved with a minimum of {$3000.00} down payment. The company keep pushing back my delivery for days just because the wire transfer was taking about XXXX days. Now when I received the vehicle its not like what was described so I requested a return the return was accepted and after they picked up the vehicle they checked and everything was exactly as I received it. After asking them sever times about my refund. They all keep giving me a set of different information. Its been more than a week since Ive returned the vehicle and still cant get any positive about my refund. Its as if they dont care about customer getting their refund. Ive check the internet and see several other customers complaining about this same issue with XXXX. Now today XX/XX/2024 I reach out to them again about my refund. The advocate got the nerve to tell me only yesterday my XX/XX/2024 my refund request was sent. So basically this can clearly show that they have no time or concern about issuing my refund. He also said I have to wait another XXXX days for them to review the request and If its approved then XXXX receive a check. XXXX asking for legal help in this matter because this can clearly show that these people got their vehicle back and doesnt care about me getting my refund back.
Product: Debt collection

I have received several calls from Sunrise Credit Services. Ph # XXXX stating I owe for a past due bill with XXXX. I called XXXX on a closed out account They said I have a {$0.00} balance and they never sent anything to this company. I called Sunrise back and they stated they did have an account for me but would not disclose any information until I gave the my address, SS # and such which I refuse to do. I owe these people {$0.00}. They are harassing me trying to collect $ I do not owe. 
Help CFPB!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 Chase/XXXX XXXX XXXX XXXX reported my account 30 day delinquent. 
Chase statement was to be delivered electronically. Chase delivered the statement to an incorrect email address. The statement never made it to my personal email address and no paper statement was mailed. When I realized that the statement was delayed and knowing that there is a small balance on my account, I contacted chase by phone and was advised of the issue. I immediately paid all outstanding balance and was credited back the late fee due to the non deliverable statement issue. 
Chase Bank, however, never removed the delinquent mark from my credit report, causing me unfairly a great deal of financial hardship. I contacted Chase several times, in writing and by phone, I also contacted the credit bureau, whom in return notified Chase Bank of the issue. To this date Chase has not removed the delinquency mark from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are fraudulent : XXXX XXXX {$490.00} XXXX XXXX {$470.00} XXXX & XXXX XXXX {$520.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Prepaid card

I recieved an American Express Virtual Gift Card from my apartment complex for completing a reward program in regards to quality of the apartment 's experience and was awarded a {$50.00} virtual gift card. Unfortunately after almost 8 attempts to use the card. I am at a loss and would like to file a formal complaint and be compensated for my efforts and receive my reward.
Product: Credit reporting or other personal consumer reports

XXXX submitted a letter to CFPB ( attached ) in which they stated that my account has been refunded, and yet there is no refund to my account.
Product: Credit card or prepaid card

I have noticed that when I checked my experience I had 3 accounts open and I realize the other two but the one by capital one is something I do not recall ever opening nor signing up for, so I am disputing this as a fraud, and I have already made a dispute for XXXX and XXXX. It said it has been opened XX/XX/XXXX.
Product: Debt collection

This company is once again trying to collect a debt that they claim I owe but will not validate. I have asked them for verification before and they did not provide anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX approved a loan of XXXX in XXXX of XXXX. Payments were made weekly and account was paid in full XXXX of XXXX Credit Bureaus report no payment since XXXX. Account was disputed through bureaus with proof of paid off statement from XXXX XXXX. XXXX XXXX claimed account balance was still at XXXX and last payment was XXXX of XXXX and my dispute was dismissed as they said it was being reported correctly.
Product: Credit card or prepaid card

I am being charged for dental work that I did not receive I am also being charged for dental work received that is bad. I returned to the XXXX XXXX XXXX 4 times to have the problem fixed and they did not fix the dental work. They are suppose to have a money back guarantee. Not only that but I am being charged for dental work not received. I am also being charged over {$800.00} in fee and interest. I really need to see a dentist who can help me but I would like to straighten this out first. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, XXXX, ZIP ] [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint regarding identity theft and fraudulent auto loan account with JPMorgan Chase Bank ( JPMCB ) Dear Sir/Madam, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the identity theft account opened in my name, which has resulted in an unauthorized auto loan account with JPMorgan Chase Bank ( JPMCB ). This fraudulent account was reported by XXXX, XXXX, and XXXX on XX/XX/2022. Despite my numerous attempts to resolve this matter directly with JPMCB, they have failed to provide any assistance or support, aggravating my distress and posing potential harm to my financial well-being. 

The evidence I have gathered reveals that JPMCB has produced a copy of a contract allegedly associated with the fraudulent transaction. However, this contract is not signed by me and contains fabricated information. The existence of this fraudulent account has caused significant stress and concern, with the potential to severely impact my creditworthiness. Therefore, I urgently request the removal of the auto loan account with JPMCB from my credit report due to clear evidence of fraud and identity theft. Additionally, I request the removal of any associated inquiries or negative information stemming from this fraudulent transaction. It is crucial that my name and credit history are cleared of any detrimental effects caused by this fraudulent activity. 

Specifically, I implore XXXX, XXXX, and XXXX to expunge this account from my credit report, along with any inquiries or negative information linked to this fraudulent transaction. JPMCB has repeatedly failed to verify my identity, provide a valid contract of the purchase, furnish identification details used during the contract process, supply duly signed documents, or possess accurate information about me. Furthermore, they have improperly reported debt amounts, stating a balance of approximately {$12000.00}, while the actual amount owed is approximately {$9000.00}. Additionally, I request documentation of the sale, such as a 1099 form issued to the consumer. It is imperative that accurate and up-to-date credit reporting remarks are provided, addressing false addresses and identity theft concerns, and ceasing their active participation in fraudulent activities.