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

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible. 


I've sent a letter to the bureau on XX/XX/2021. Today 's date is XX/XX/2021 and I have yet received an update. Please update my credit profile as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavors to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX AV XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$760.00}.
Product: Debt collection

Zoca Loans hired a collection company, actually 2 different debt collection companies. The first is XXXX XXXX  XXXX. The second does not have a website address anymore. The first company called a family member several times, stating they were from a legal company had a lawsuit filed and needed to find me. I then spoke to the company and a man on the phone stated they were going to have me arrested for bank fraud and I would never be able to open another checking account again. They then began screaming and yelling at me after I declined to give payment information over the phone. I believe the collection company was XXXX. They stated they collected for Zoca loans. 

I told the collection company, I was working with a debt repayment company. I have been getting unverified phone calls from fake process servers telling me to be home between certain hours. If I am not home, it will be considered a refusal to pay the debt back and legal action will be taken against me. No phone number or name was left. I then received a call from a person named XXXX at XXXX. The number is a XXXX XXXX or burner phone number. The debt relief company called and there was no response. They did answer the phone last week stating they would stop certified mail since I called. We have called and attempted to contact both companies about the debt. 

One of the companies is holding the debt without validity. I can not pay two collection companies. XXXX XXXX  XXXX have the information on my credit report, but I am also getting unprofessional scary, and stocking-like phone calls from the second company. The phone calls are making me feel as if my life is in danger. We need to come to a resolution on who we are paying. My debt relief company is not going to work with 2 companies and also when they are acting suspiciously and elusive. I have not received any paperwork on the debt in the mail either.
Product: Credit card or prepaid card

I have dispute a charge with capital one Visa card case number is XXXX on a purchase done on XX/XX/2023 from XXXX XXXX XXXX precious jewelry for XXXX dollars and it was for a SOLID YELLOW GOLD 22K BRACELET THAT WEIGHS XXXX GRAMS. But then when I received the item it was GOLD PLATED 18K GOLD AS TESTED BY THE GOLD PURITY MACHINE XXXX XXXXXXXX And also tested by a certified jeweler. And I am attaching pictures of the test results. Capital one this morning XX/XX/2023 denied my dispute and reapplied the charge back to my account. But what I received from the seller was NOT AS DESCRIBED and it is only 18k gold plated and NOT SOLID 22K GOLD. I have supplied all documents and photos as a proof that i received a fake item and NOT 22k solid gold bracelet. 
The dispute case is XXXX and I am asking capital one to approve my dispute case and refund me the XXXX dollars since the item is fake and not as described and I asked the seller to send me a prepaid return label so I can return the item to him. I am NOT PAYING XXXX DOLLARS FOR A FAKE ITEM THAT IS WORTH FEW DOLLARS. I was scammed by the seller and I want my money back and I want capital one to refund me my money
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for neg
ligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Debt collection

This a credit agency who has been given my number by a person named " XXXX ''. I have received dozens of calls from numbers, the latest being Team Recover at XXXX. When I try to explain that they have the wrong number and that there is no " XXXX '' at this number, they hang up on me. I have blocked many of their numbers, after the fact, but then they call using a new number. They are very rude and constantly hang up before listening to my issue.
Product: Credit reporting or other personal consumer reports

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 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 instructions 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 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 an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Wells Fargo Bank, XXXX XXXX  XXXX XXXX, XXXX, Va refuses to deposit a Federal check that is made out to my wife and I, if she isn't in the car when I make the deposit to my checking account. I have to go get her and have her seated in the car at the deposit window.

The issue now is, I have received a economic impact payment check from US Treasury and my wife is house bound and can not travel due to medical issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reference CFPB complaint # XXXX about XXXX XXXX XXXX. 
Although this complaint was closed on XX/XX/XXXX after providing information to the CFPB that all information was reporting correctly : the bankruptcy discharged in XX/XX/XXXX is still being reported to financial institutions and although ALL accounts were paid off in XX/XX/XXXX, this is not being reflected in information provided to financial institutions. 

Because of XXXX XXXX failure to correct the information ( remove the bankruptcy and show all accounts as paid ), XXXX XXXX XXXX declined my request for a credit card and today I received written information that the denial was based on information solely from XXXX   regarding a bankruptcy and high account balances. The reference number is XXXX and the date of the denial explanation is XX/XX/XXXX. 

Also, on XX/XX/XXXX, BB & T Bank continues to report that XXXX is providing information on the bankruptcy and high balances on my accounts. 

There is therefore a damaging discrepancy between information that XXXX provides to the CFPB and to the consumer and their failure to provide correct and timely information to the financial entities requesting information.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) Dear CFPB, I am submitting this formal complaint regarding the mishandling of my disputes concerning the XXXX XXXX XXXXXXXX account ( Account # XXXX ) on my credit report. Despite previous disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, no changes have been made, and the inaccuracies remain unaddressed. 
These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Additionally, my payments were significantly affected during the COVID-19 pandemic, requiring protection under the CARES Act and 15 U.S.C. 1681s-2, which mandates leniency for consumers impacted by national emergencies.

Reasons for Complaint Violations of the Fair Credit Reporting Act ( FCRA ) : Investigation Requirements ( 15 U.S.C. 1681i ) : Equifax failed to conduct a reasonable investigation or provide the necessary description of the investigation process.

Permissible Purposes ( 15 U.S.C. 1681b ( 2 ) ) : The information on this account was not handled according to permissible purposes and standards.

Privacy Rights ( 15 U.S.C. 1681a ( 4 ) ) : The continued reporting of inaccurate and derogatory information infringes on my privacy rights.

Description of Investigation ( 15 U.S.C. 1681i ( 7 ) ) : I have not received the required explanation of the investigation process. 
Violations of the Truth in Lending Act ( TILA ) : Disclosure Requirements : Equifax failed to provide accurate disclosures regarding the accounts status, violating TILA regulations. 
Federal Consumer Protections ( CARES Act ) : During the COVID-19 pandemic, this account was affected by financial hardships, and protections under the CARES Act were not applied appropriately.

Immediate Action Requested I request the immediate deletion of the inaccurate information regarding the following account : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX High Balance : {$3700.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Consumer disputes- reinvestigation in progress. 
Two-Year Payment History Inaccuracies : Late payments inaccurately reported for XXXX, XXXX, and XXXX in multiple years. 
Attachments : Copies of previous dispute letters ( dated XX/XX/XXXX, and XX/XX/XXXX ). 
Identification and supporting documentation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 big charges that became open on my credit card. I want to remove because I have no knowledge of them. Nor is the info right on them.
Product: Credit card

In XXXX XXXX I received a text from Chime giving a code. Then I received a second text stating Welcome to Chime your account is ready! 
I never opened a Chime account and had never heard of the company. 
Then XXXX days later on XX/XX/XXXX, I received another text stating : CHIME FRAUD ALERT : Chime will NEVER CALL you for a fraud or declined transaction. 
Did you try to use your Chime card ending XXXX for {$310.00} at XXXX XXXX 
XXXX ' on XX/XX/XXXX? Reply XXXX or XXXX. 
I replied No and then they sent this : The transaction was blocked and no funds have been taken from your account. 
If you believe your card was stolen or compromised, please disable transactions in the Chime app and request a new card from the settings screen. 
I tried to call Chime XXXX XXXX several times at XXXX but can not get anyone on the line to cancel this account. I sent an email to XXXX to tell them that I did not open an account and to close it immediately and that I was : File a report with the FTC at XXXX File a report with your local police department File a report with IdentityTheft.gov, the XXXX XXXX for reporting and recovering from identity theft File a report with the XXXX major credit bureaus : XXXX, XXXX, and XXXX Then in XX/XX/XXXX I received a Chime Visa Debit card in the mail. I have not heard back from Chime in an email as of yet. Please help me stop this company from damaging my credit report.
Product: Debt collection

i have received 77 phone calls and subsequent robo voicemails from XXXX XXXX XXXX since XX/XX/2022. I have repeatedly told them to stop contacting me to no avail. they are now threatening " legal action. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried so many things to get things that are not accurate on my credit report with XXXX, names that are not correct that they are showing, not correct. Then collections account for XXXX opened on XX/XX/XXXX that I have tried disputing multiple times and they refuse to take it off it is at {$0.00} and shows still open, the account information for it is incorrect. I don't have late payments, the account has been paid in full and is closed since XX/XX/XXXX. I have even called XXXX and they confirmed that it is closed and that there are no late payments. 
Secondly there are two accounts for XXXX XXXX XXXX XXXX  XXXX XXXX. One on XX/XX/XXXX for {$1600.00} and the next is on XX/XX/XXXX for {$1500.00} I have reported I have no knowledge of this account and it is a HIPPA violation as well because whoever they are has my social security number and I did not release it to them. 

I know that it says no personal information and things like that but, I am frustrated because I have tried so many times to fix my credit report with up to date information and it never seems to matter to them. 

There is an address XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX that is not a correct address at all. I have never lived there. It needs to be removed. 
Names that need to be removed, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX that is listed twice, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX is on there two times as well. 
It only needs to be there one time. 

Lastly, there is a hard inquiry for Resident Verify saying it is XXXX XXXX XXXX XXXX - I have never even heard of it until I XXXX  and I don't even live near there at all. It needs to be removed as well Transunion is another story, I have requested XXXX XXXX to be removed as there are duplicate charges on my account. XX/XX/XXXX for {$560.00} I have no knowledge of this account and it is a HIPPA violation as well because whoever they are has my social security number and I did not release it to them. There is second collection from the same company with the same date but for {$520.00} on it. Again it needs to be removed.
Product: Credit reporting or other personal consumer reports

I Sent my letter off on XX/XX/2023. 
I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 
List the accounts Accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pat years my bank has changed so many times and every month and I did make a payments in time but for some reason it shows the late payments for few months. 
It shows late payments only from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about XXXX / XXXX, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize two inquiries on my Transunion Credit Report on XX/XX/2019. Please remove immediately. XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Credit reporting or other personal consumer reports

This in regard to previously submitted complaint XXXX. 
The company responded that they can not respond to this complaint.

There is no legal reason they can not respond. The company is deliberately tanking my credit score and refusing to correct the illegally placed fraud alert that THEY PLACED on this account.

Additionally, i have attached a screenprint proving that they rejecting my identity documents BEFORE they even received it.

Not only has impacted my credit score, it is causing great financial harm to our family. I not able to use my credit cards for basic items in our daily life forcing us to act on a cash only basis. The longer they ILLEGALLY REFUSE to remediate this item, the more financial harm to our family.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX ssXXXX XXXX This letter is a formal request to remove inquiries from my 3 Bureaus XXXX XXXX and XXXX per FCRA if the companies listed can not provide me with my signature that I gave authorization to the following companies. The following companies are XXXX  XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX dated XX/XX/XXXX, XXXX Auto Finance XX/XX/XXXX, Credco XX/XX/XXXX. Please remove if a signed authorization with my signature can not be provided or validated under the 609 of the FCRA. 
Under the FCRA I ask you to investigate and to provide me with the authorized document with my signature that I in fact gave authorization to have my credit pulled. 
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of credit profile to me at the above address. 
If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion or your re-investigation. 
Thank you for your consideration and cooperation and if you have any question concerning this matter I can be reached at XXXX. 
Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I noticed that on XX/XX/XXXX there were 17 transactions that had been done on my savings, checking while using my ATM card from Chase. I called Chase on the XXXX to reported. After hanging up, I proceeded to the branch, where I returned the ATM card. it and then I visited the branch by where I work. While in Chase, I turned in my debit card, My accounts were frozen and news one were open. A few days later I was reimbursed {$2600.00}. I called them back about a week later to find out the status and when I could expect the rest of the money to be returned. To my surprise I was told that it had been denied and not to expect any more money, The transactions where they had transferred money from my savings to checking and where the debit card had been used, I had no way of proving otherwise. One of the transactions they made was to a XXXX XXXX XXXX XXXX XXXX. All transactions were done in XXXX XXXX. I told them I could proof that I was in XXXX on XX/XX/XXXX, XXXX, XXXX, and XXXX. The XXXX and XXXX I stayed home, therefore I had no proof. 
The case # with XXXX is XXXX. 
Please help me.