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

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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've been having this problem with XXXX for quite some time now, my credit score is a XXXX, they keep putting the same fraudulent accounts on my credit report even after having official documentation, Identity Theft Id # along with police records showing proof that the accounts does not belong to me, I missed one payment over a year ago due to being out of state for a funeral, paid it within days of due date and every week XXXX is still removing 50 plus points at at time, and claiming it's still for the one late payment, after speaking with a representative yesterday, not even 10 mins after the call he removes XXXX points off of my score. I mean at some point in time, in this lifetime somewhere it has to become a fair process for the consumers, it almost like modern-day slavery, you can't even get what you earned and have worked hard for, and you can't even have a conversation with the companies to rectify the problems in a professional matter, they will just go and remove points for unnecessary reason, I need help with this, I applied for auto loan and because of XXXX scores not being accurate and incorrect information on my credit report, This isn't fair, I work hard to pay bills and keep a healthy credit report and I deserve protection just like anyone else, this isn't my first time reporting XXXX to you guys, please help me with some real-life solutions and results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to this company regarding a separate issue and now for some reason after i submitted the dispute against XXXX XXXX XXXX now you guys and Experian started mixing and blending my uncles name and mine. My name is XXXX XXXX XXXX my uncle is XXXX XXXX as you can see two very different names but now because of the complaint I filed they are now messing my name up with someone elses.. Why??
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for multiple violations of the FCRA Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( b ) ( 1 ) for failure to respond and delete inaccurate information within 30 days. I have XXXX ( XXXX ) open CFPB COMPLAINTS about TransUnion continued violation of the FCRA. Each time they respond to the CFPB that they are investigating the account, HOWEVER THAT WAS A FALSE STATEMENT. ENCLOSED IN MY ATTACHMENTS IS PROOF THAT TRANSUNION CONTINUES TO VIOLATE THE FCRA. I HAVE ALSO ENCLOSED ( 1 PROOF TRANSUNION NEVER CONDUCTED AN INVESTIGATION AS REQUIRED BY THE FCRA. 2 ) TRANSUNION CONTINUES TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT. 3 ) I HAVE ASO ENCLOSED PROOF FROM THE COURT IN SUPPORT THEREOF. THE DISPUTED ACCOUNT IS A PUBLIC RECORD : XXXX BANKRUPTCY/ DOCKET NUMBER XXXX
Product: Credit card or prepaid card

I recently opened a credit card with Citi ( XXXX XXXX ) because it offers no foreign transaction fees as a benefit. I recently traveled outside the country to XXXX from XX/XX/23 to XX/XX/23 and was planning on using my card to take advantage of the benefit. The entire time I was in XXXX the credit card was not accepted when I tried to use it. I contacted Citi on XX/XX/23 while in XXXX to inquire about the problem. The customer service representative indicated that no charges were declined on the card. While the charges were not declined, there is still a problem with the card / network / system because my card could not be used. Each time I tried to use it at a merchant, it was not accepted. It is especially problematic because my husband ( who I was traveling with ) also has a Citi credit card and WAS able to use it during the entire trip without issue. In fact, he could use his Citi credit card at ALL of the same merchants where my credit card could not be used. 

Because I could not use my Citi XXXX XXXX for the entire trip I had to withdraw a significant amount of cash using my debit card multiple times, which incurred ATM fees at both my bank and the bank in XXXX. Additionally, we were forced to use my husband 's credit card, which charges foreign transaction fees. 

Because my card could not be used, I incurred additional fees and expenses that I was not expecting. I believe it is unfair and deceptive that a credit card that advertises " no foreign transaction fees '' could not be used while I was traveling outside the country.
Product: Checking or savings account

I MADE A ONLINE PURCHASE WITH THE MERCHANT XXXX ON XX/XX/XXXX IN THE AMOUNT OF {$5200.00} THE MERCHANDISE WAS 1 MENS SUIT 1 MENS SHOE AND 1 MENS HOODIE. IT DID NOT FIT MY BROTHER AND DAD SO I NEEDED TO RETURN THE MERCHANDISE. I SPOKE TO THE MERCHANT XXXX WHO PROVIDED ME WITH A ADDRESS OF WHERE TO SHIP THE MERCHANDISE. I WENT TO XXXX HAD THEM CREATE A RETURN FOR THE MERCHANDISE BEING SHIPPED BACK TO MERCHANT. TRACKING XXXX XXXX DELIVERED ON XX/XX/XXXX SIGNED FOR BY XXXX WEIGHED XXXX LBS. FOR A WHOLE WEEK I TRIED RESOLVING THE MATTER WITH XXXX FOR A WHOLE WEEK THEY SAID A REFUND HAS BEEN PROCESSED AFTER A WEEK OF BEING LIED TO I CONTACTED MY BANK WELLS FARGO AND FILED A CLAIM REF # XXXX. THEY SUPPOSEDLY DID A CLAIM AND CLOSED IT. THEY FIRST TOLD ME MERCHANT SAID YOU RETURNED IT BUT THERE IS NO REFUND ON MY ACCOUNT. THEN THEY SAID IT WAS EXCHANGED BUT THEY DO NOT GIVE ME INFO OF WHAT CARD IT WAS EXCHANGED WITH IF IT WAS XXXX HIGHER OR SAME AMOUNT EXCHANGE. BECAUSE IF IT WAS LOWER EXCHANGE I WOULD HAVE A REFUND WHICH I DON'T IF IT WAS HIGHER IT MEANS IT WAS ADDED ON WITH WHAT CARD. I'M TRYING TO PROOVE TO THEM I NEVER WENT TO THE STORE TO EXCHANGE OR RETURN. NO PROOF IS BEING PROVIDED TO ME ALL THEY ARE DOING IS CLOSING THE CASE. SO I REQUESTED A SUPERVISOR TO CONTACT ME WHICH THEY NEVER DID SO I CALLED XXXX TODAY AND XXXX THE WELLS FARGO REP 3 WAYED ME AND XXXX XXXX WITH XXXX ON THE LINE A XXXX FROM XXXX SAID A REFUND WAS PROCESSED ON XX/XX/XXXX WHICH IS NOT POSSIBLE AS THE ITEMS WERE'T EVEN RETURNED THEN IT WAS IN TRANSIT TO THEM ON THAT DAY SO HOW WOULD THEY REFUND ME. SO THEN I TOLD XXXX WELLS FARGO SUPERVISOR TO NOTATE THE ACCOUNT THAT XXXX FROM XXXX SAID IT HAS BEEN REFUNDED BUT IT HAD NOT. SO NOW AS YOU CAN SEE I AM BEING LIED TO FROM ALL ENDS FIRST MY BANK SAYS IT WAS RETURNED IN PERSON A WEEK LATER THE BANK NOW TELLS ME IT WAS EXCHANGED IN PERSON THEN GOES ON THE PHONE WITH XXXX WHO TELLS ME IT WAS REFUNDED ON XX/XX/XXXX BY THEM WHICH IT COULD NOT HAVE BEEN SINCE IT WAS IN TRANSIT THEY ARE ALL LYING OT ME AND STEALING MY MONEY FOR ITEMS I RETURNED ANF MY TRACKING SHOWS MERCHANT RECEIVED A XXXX LBS PACKAGE AND SIGNED FOR IT BUT NO REFUND HAS BEEN MADE. MY BANK WHO IS SUPPOSE TO PROTECT ME WHO HAS A FRAUD PROTECTION POLICY IS DOING NOTHING AFTER HEARING ALL THAT THEMSELVES AND CLOSING THE CASE. XXXX IS TELLING THEM A REFUND WAS PROCESSED ON XX/XX/XXXX WHICH HAS NOT AND COULD NOT BE SINCE PACKAGE WAS IN TRANSIT TO THEM. MY BANK IS NO RE OPENING THE CLAIM AFTER HEARING ALL THIS XXXX HAS NOT PROCESSED A REFUND AS THEY SAY THEY HAVE AND MY BANK IS DOING NOTHING. I HAVE BEEN A LOYAL CUSTOMER FOR YEARS AND THE WAY THEY ARE TREATING ME AND THIS MATTER IN AWFUL. THEY ARE A AWFUL BANK WITH THE WORST CUSTOMER SERVICE AND FRAUD PREVENTION TEAM EVER. ALSO XXXX HAS A FULL MONEY BACK GUARANTEE IF THE ORDER IS RETURNED IN 30 DAYS WHICH IT HAS. I HAVE NO CHOICE BUT TO COMPLAIN FOR THIS MATTER TO BE TAKEN SERIOUSLY FROM MY BANK. I HAVE NO FAULT AND REFUSE TO PAY FOR ITEMS THAT HAVE BEEN RETURNED AND RECEIVED BY MERCHANT.
Product: Checking or savings account

So I'm a client at Citibank and XX/XX/XXXX I received a check from IRS so I deposited on my account and then the next day they put my account on hold so I can't use it I tried to call them they told me it's under review the thing is the check is cleared in my account and the bank told me that they will close my account and it will send me a check with the money on it it will take 30 to 60 days at least and and they didn't provide me with any reason for the closure of my account and I'm in need of this money which I have on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Transunion? This is so unbelievable! The items have already been deleted but now it has re-appeared on my file. How can you guys let this pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23, I disputed the completeness and accuracy of this closed account on my consumer credit report and it has come back verified. I do not believe XXXX XXXX properly investigated this account because there are obviously inaccuracies. 

The date open, date closed, the payment status, and the date of last activity are all reporting different information to Experian and XXXX. There are clearly quite a few inaccuracies that are being reported to the different credit reporting agencies. My consumer credit report is an indication of the discrepancies. 

XXXX XXXX was also contacted and still has failed to properly conduct an investigation and correct their errors. Based on 15 usc 1681i paragraph ( 5 ), it states that any information that is disputed by a consumer that is found to be inaccurate or incomplete or can not be verified that the consumer reporting agency shall promptly delete. Therefore, my question is this, clearly I have pointed out several inaccuracies on this one account reporting to the credit reporting agencies, so why havent this account been deleted from my credit report when XXXX XXXX has willfully violated the FCRA? This matter has been brought to Credit Acceptance attention regarding the various inaccuracies on several occasions especially since I have been disputing the accuracy of this account for the past several months which I have a copy of every single letter to prove it along with the letters from the bureaus stating the account has been verified which I cant see how an account has been verified as accurate with so many discrepancies being reported for the same account to different credit reporting agencies. 

Lets also take into consideration the date of last activity which is also among the several different discrepancies that is being reported from this one account. One bureau is reporting one date and another bureau is reporting a totally different date. This is a manipulation of the statue of limitations since I can not tell when this account is supposed to fall off my consumer credit report. This is a clear indication that the credit reporting agency was provided with different information on one account. This type of inaccuracy is causing me severe stress and is a financial misrepresentation. 

I am requesting that the account be removed completely from my credit report due to the inaccuracy and violation of my consumer rights under the FCRA .I believe that addressing these issues promptly is crucial to maintaining the integrity of my credit report and ensuring that my financial history is reported accurately. I appreciate your attention to this matter and look forward to a resolution.
Product: Credit reporting or other personal consumer reports

I was completely shocked to see inaccurate accounts appearing on my credit report tonight, and I have no clue why theyre there. I check my credit report routinely, but tonight, it was filled with discrepancies that I wasnt expecting. I refreshed my browser thinking it was a temporary glitch, but the wrong accounts stayed right where they were. Please thoroughly review the documents Ive submitted so I can be sure this never happens again.
Product: Debt collection

Recently, I found a collection debit record from Designed Receivable Solution Inc ( XXXX, orignal creditor : XXXX ) on my credit report. I never went there to see a doctor, they must make a mistake. In fact, I know a guy whose name is similar to mine visited there to see a doctor and he also lived at the same place with me. I believe that they had made a mistake. 
So, I require to remove this collection debt from my credit history. 
Thank you.
Product: Credit reporting or other personal consumer reports

THESE INQUIRIES FROM MY CREDIT REPORT. 


In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Recently I've received a copy of my consumer report and I've noticed several accounts that's reporting to my report that's unauthorized and under multiple violations. I've sent Equifax a dispute letter asking them to investigate and remove any accounts or information that's inaccurate or doesn't belong to me. There are collections accounts reporting to my consumer report but I never gave them permission to report anything without my consent which violates my privacy rights pursuant 15 U.S. Code 6801 - Protection of nonpublic personal information. How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me. How can these accounts report if by law they're not verified nor have documents with agreements?
Product: Debt collection

I have attempted to dispute the debt with the collector because it does not belong to me. The information on the account does not belong to me. The name on the account is not mine and the address on the account is not my residence. I disputed and provided supporting information and this item is still being confirm as belonging to me, with the credit companies. The Reps at this company after letting them know my information was stolen and that I was a victim of identity theft advised I still pay the debt, completely disregarding that none of the information on the account verified as belonging to me.
Product: Credit reporting

I had my purse stolen in 2007. I have been trying to get a woman 's name off my credit report with Equifax for many years. She has mortgages and car payments etc. that report as mine. I can not even access my credit report with Equifax because I can not answer the questions correctly to gain access. My name is now XXXX XXXX XXXX. At the time my name was XXXX XXXX XXXX. A woman with the name XXXX XXXX XXXX or something like that shows up as an alias for me. I have lived in XXXX different addresses over the past 15 years. XXXX XXXX XXXX XXXX Maine XXXX, XXXX XXXX XXXX XXXX Maine, XXXX and also XXXX XXXX XXXX XXXX Maine XXXX. I need help getting this taken care of and I do n't know where to turn next. Thank you for you help in this matter.
Product: Debt collection

Notifed TransWorld that I made the payment to XXXX XXXX XXXX. TransWorld rep still attempted to collect a debt and send notifications of an attempt to collect a debt.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any any such debt in fact therefore exist, ( please remove this account before I seek legal litigation for defamation of character ) .. XXXX XXXX XXXX XXXX {$8900.00}, XXXX XXXX XXXX XXXX. {$400.00}, XXXX XXXX bal. {$1500.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. exposing myself to the risk of identity theft/fraud due to negligent security protocols in handling consumer information. This is all due to a data breach in XX/XX/XXXX/XX/XX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
My personal information was exposed through gross negligence on Equifax 's part. Furthermore, delaying informing any of the victims for months, allowing management to sell stock options, and not offering a legitimate remedy for the situation and instead further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Involved in my consumer report I notified the credit bureaus due to these inaccurate accounts on my consumer report to be removed, Due to these accounts I was not able to get a rental property because of that accounts on my consumer report that is not accurate, I request for those to be deleted I never received any information in the past due to their in reinvestigation they have not provided completed documentation information stated how did they validate accurate information and no one from any agency did not speak to me myself during the investigation as well. And also due to the data breach, my information has been stolen and sold to God knows who I feel unsafe with these companies. Entrusted my information with I was not notified
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax and XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX All the information reported on my Equifax is not my information I believe that someone is using my identity with different information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax continue to report false information even tho I have submited the correct information to them and sent proof. I have tried over and over to get information corrected with no results. This is resulting in my credit score being in the XXXX XXXX and it should be in the XXXX XXXX. They are showing many false reports and I would like my credit score repaired and up where it should be. They do not investigate they just take whatever the credit card companys state and keep reporting it even tho it is false.
Product: Mortgage

Synovus Bank XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX The bank put a {$760000.00} mortgage on property that I own without my knowledge. I never signed any documents to grant them permission to place a mortgage on my property. The property address is XXXX XXXX XXXX XXXX Florida XXXX. The loan is in XXXX XXXX ( XXXX XXXX XXXX XXXX ). I have all of the supporting documents and can forward when needed. You can view the XXXX XXXX Florida Property Appraisers Office ( XXXXt ) owner XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this CFPB complaint to you today to inform you that I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), The Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.