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

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



DEPT OF EDUCATION/NELN XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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

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.
Product: Credit reporting or other personal consumer reports

after submitting a claim to XXXX  XXXX about their erroneous and false allegations of fraud against me ( XXXX ) I was told that the negative reporting would be removed in its entirety. 
I also explained to the rep that XXXX XXXX  was also to be updated. It still has not. I am LOSING MONEY daily not to mention I was faced with an eviction as ALL the financial institutions will not let me open a checking account and all my open accounts were forcibly closed after XXXX XXXX reporting. Ive sent numerous fees and charges and legal expenses to them for reimbursement and i cant get an update from anyone. THEY ACKNOWLEDGED THAT THEY WERE AT FAULT AND SHOULD HAVE TAKEN THE 5 STEPS CORRECTLY INSTEADING OF JUMPING TO CONCLUSIONS. THEY SAID THEY WILL REVIEW MY FEES AND FINANCIAL HARM I SENT TO THEM FOR REIMBURSEMENT. ITS OVER XXXX $ of LEGAL AND BANK FEES IVE SUFFERED BECAUSE OF THIS COMPANIES SEVERE INCOMPTENCE AND INABILITY TO TRAIN THEIR STAFF IN PROPER BANKING PROCEDURES!!! AND ALSO STILL REPORTING ME TO XXXX XXXX. REMOVE ME AT ONCE! I WILL NOT ASK AGAIN. MY COUNSEL XXXX XXXX HAS PREPARED THE COMPLAINT. ENOUGH IS ENOUGH.
Product: Credit card

After finally locating the originally receipt and reviewing all other printed receipts received from Value City during the outrages amount of visit and disputing late fees and incorrect merchandise and invoice balances. The attached photocopies of receipts and print out inquiries are being presented for your investigation & review for appeal and immediate corrective actions and reimbursement of overpaid charges. 

Moreover, a correction on credit report that wasn't supposed to have been reported as late/default payment be corrected. Full documentation of receipts printed transactions with cover letter will be provided that was provided to for dispute inquires
Product: Credit reporting or other personal consumer reports

I am interested in processing deputes on my credit report to delete an remove all inaccurate information that is hindering my credit profile. ive noticed all information listed is reporting illegal an fraudulent information. this has caused major delays. no action has been taken from prior disputes please review an remove the listed items to help clear my file asap.
Product: Credit reporting

I am buying a house and the mortgage company reported that they were only able to see XXXX ( XXXX ) score. That score is by XXXX. I tried to purchase a XXXX bureau credit score by XXXX but instead they send me a copy of my credit report which I already have from the mortgage company. XXXX has a policy that if you purchase a XXXX time copy of your scores or report it is non-refundable [ Buyer Beware ] .Their XXXX bureau score report is XXXX Neither Experian nor XXXX scores are available. I would be able to get a better rate if those other scores were available. We tried XXXX ( twice ) and called XXXX/XXXX/16 and the same problem. I have tried twice and gave up. When I try to go online and purchase those scores, they are always unavailable and they refund me my $ XXXX!! 
The agent at XXXX said he can see my score. But when I tried XXXX, they want me to purchase a 7 day Trial credit monitoring subscription and then {$19.00} thereafter before I can get my score. I refused because I only want a copy of my score which the agent says cost {$9.00}. THERE IS NO EASILY VISIBLE LINK ON XXXX to purchase such a score for such a price. To date I am still unable to get my scores
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to XXXX  and Equifax requesting for further review as to why the US DEPT OF ED still reporting payment history on a " Charged off Account '' the section that shows late payments and CO should in fact be removed per the FCRA and FTC.
Product: Credit card or prepaid card

Hi! I recently received my dayghters way2go card. I've been trying to activate it and its not working im not sure if its the security code or they messed up her birthday but I have been trying to figure this out for the passed week. Please help!
Product: Checking or savings account

Chime closed my account and still have yet to refund my credit and checking balance at time of said closure. Furthermore, they never gave me any reasoning for why my accounts were closed XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

Inquiring Company : XXXX  Date of Inquiry : XX/XX/2022 These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to the company requesting removal of several accounts reporting to my credit with incorrect information showing. I patiently waited XXXX  days and received no response at all. So I proceeded with another letter requesting this information be updated & corrected or completely deleted from my credit file. Today is XX/XX/XXXX and I have received no response nor have this information been removed. It is illegal practice as credit reporting agencies are required to report 100 % accurate information. These accounts are inaccurate and its very clear of that. The credit reporting agency is not complying with my investigation. Previously I was told that they were unable to locate my credit file. I sent ALL information needed. This was clearly an attempt to stall or completely stop the investigation process. I am now ready to file a lawsuit if I have no results of accounts being UPDATED with the 100 % ACCURATE information, or completely DELETED from the credit file under my social security number.
Product: Checking or savings account

Purchased an item on XX/XX/2018, money was taking out of my account XX/XX/2018 from a company called XXXX XXXX XXXX out of New York and I never received the product I paid for. The amount of money that was taken out of my account was {$150.00}. Now the bank says I have zero fraud protection against this transaction. The bank Im currently dealing with his fifth third.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on numerous occasions to have the following inquiries removed from my credit report as they were not made by me : 1. XXXX  XXXX XXXX   Inquiry Date : XX/XX/2019 2. XXXX XXXX Inquiry Date : XX/XX/2019 3. XXXX XXXX Inquiry Date : XX/XX/2019 4. XXXX XXXX Inquiry Date : XX/XX/2019 Please assist me in having these removed. Thanks
Product: Credit card or prepaid card

I was wrongfully terminate due to 6 surguries and infection XX/XX/2011.DATE OF accident INSURANCE CLAIM OF BENFITS TO CARD WAS FUARDED COURT judgrment Resold collection claim to modernity. Lawyer and proff of records i was fuared XXXX XXXX XXXX XXXX, Employment of benefits. Im told by my new lawyer now im better to requesting to discover copy of credit file and 3rd party listed 2 times address change records i didnt request change
Product: Checking or savings account

Hi I was wondering how do I seek compensation from Wells Fargo for repeated charging my old account back in the day for overdraft charges when I had money in my account at the time.I might would have overdraft for XXXX item but then they would charge me for XXXX items of overdraft. The first XXXX items should have been covered by funds in the account but yet when that XXXX overdraft item hit they would charge all items with overdraft charges. I inquired many times with them why they charged me overdraft for items when there was enough money in my account to cover those charges. Their answer was because they clear transactions when the merchant sends the transaction confirmation not when I charged the item which was ludicrous to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payments on the dates below : JPMCB AUTO, Account : XXXX for XX/XX/2020. I was never 30 days late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the Auto payment was and error on JPMCB end. I've called JPMCB and was told to call the 3 Credit bureaus about the errors reporting on my file
Product: Debt collection

I requested validation of the debt from Sim Agency Inc on XXXX/XXXX/2016. Collector has not responded with any information regarding validity of thisdebt. I do not believe this debit is mint. Account # XXXX & XXXX.
Product: Credit card

I have a USAA credit card with a credit limit of XXXX. I had to take a last minute work trip scheduled for XXXX  ( and as a new employee, don't have a corporate card yet ), so I made a payment on my card to clear up funds to pay for travel expenses that are best put on a credit card ( and sometimes MUST be put on a credit card ) like the hotel and care rental. 

On XX/XX/XXXX, I made a payment of {$2700.00}, bringing my balance {$730.00}, which should have left me with {$2700.00} in available credit. My USAA says it was credited on XX/XX/XXXX, and the checking account I paid with ( XXXXXXXX XXXX ) shows the funds being paid out on XX/XX/XXXX. It is now XX/XX/XXXX, and I still only have {$16.00} in available credit. When I called USAA, they stated the funds were on a " standard hold '' of 16 days, and the funds would be released XX/XX/XXXX. *thankfully* I was able to still pay for rental car/hotel with my debit card, but I'm essentially out {$2700.00} in funds, while traveling, over the holidays. They have done this to me previously, about a XXXX day hold, but they've also credited payments on the same day. 

Their " payment conditions '' listed on every credit card statement stated " payments that we accept that do not meet the above requirements will be credited within 5 days. We reserve the right to withhold credit availability until we confirm receipt of good funds. '' They clearly received funds when my bank released them on XX/XX/XXXX, and there is no way, in XXXX, it takes a bank 15 days to verify that these are " good funds. '' I have been a customer with them for over 25 years. I have used this card with them before. I did not make multiple payments in a row that might trigger an additional hold. They had already received the funds. A 16 day hold is absolutely unreasonable, and it is impossible, as a customer, to be able to utilize this service with confidence when I don't know if I'll have funds availability the same day or in over two weeks! 

I've made multiple attempts to contact USAA both the last time this happened and this time. After the original customer service agent ( they can do absolutely nothing to help customers/override holds ), you get referred to the XXXX (? ) team. They also do nothing and " have no higher echelon of service they can transfer you to. '' Essentially you get two people to tell you no ( every time ), and no other avenues to address the problem.
Product: Checking or savings account

My federal income tax refund in the amount of {$1700.00}, direct deposited on XX/XX/, and my state income tax refund in the amount of {$390.00}, direct deposited on XX/XX/, were deposited into the wrong account at my bank ( Huntington Bank ). XXXX of my account numbers, XXXX, got reversed and my refunds were directed deposited into someone else 's account who had almost the same account number with the exception of the XXXX numbers XXXX. The person into whose bank account my refunds were deposited, withdrew all the funds. The bank says there is nothing they can do since there is no longer any money in the account into which my funds were deposited. Huntington bank verified that the direct deposits were put into the wrong account.
Product: Credit reporting or other personal consumer reports

EXPERIAN continues to report an unverifiable account on my report, even after a number of disputes have been filed and I have previously exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) by sending a Cease and Desist letter via Certified Mail XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. A copy of this letter is enclosed, along with proper identification documents to verify my identity. 
Under 15 U.S.C. 1692c ( c ) of the FDCPA, once a consumer sends a cease and desist request, a debt collector may only contact them to confirm receipt or to inform them of legal action. Any further collection activityincluding continued reporting to Experianis a clear violation of federal law. XXXX XXXX XXXX has willfully ignored these legal requirements.
Product: Debt collection

I became aware of this debt on XX/XX/XXXX upon receiving my paycheck and discovering a garnishment for 15 % of my wages, I received no notice or communication from XXXX XXXX XXXX about this matter. On XX/XX/XXXX, I contacted the phone number provided to me by my employers payroll processing company XXXX, the phone number is for a collection agency called APEX, when I told them I had no knowledge of this debt, they referred me back to XXXX XXXX, I contacted XXXX XXXX 5 times, XXXX XXXX referred me back to APEX and APEX said that they don't have my contract and that I need to get that from XXXX XXXX, I again contacted XXXX XXXX and requested a copy of the contract, I received an email this morning from their finance department from someone named XXXX, stating the contract was attached, the contract was not attached. I again contacted XXXX XXXX 's finance department and was told that they could not discuss the matter with me and I needed to contact Apex, upon contacting APEX, I'm punted back to XXXX XXXX. I have emailed XXXX XXXX customer service and asked them to revoke what ever permission they claim to have against my wages to no avail. I need this to cease immediately, I have no knowledge or information about this debt and XXXX XXXX and Apex are playing games.
Product: Consumer Loan

To Whom It May Concern : My name is XXXX XXXX and I would like file a formal compliant of XXXX and racial discrimination against, Springleaf. I applied for a loan where I was trying to consolidate some debt and because at the time : I advised them of my race and XXXX and I did get the loan amount needed. I had to use my car, XXXX Nissan Sentra, as a form of collateral in order to get a loan of {$2000.00}. I was advised that my payments would be no more than {$180.00} but I have been charged an online charge of {$2.00} each time I have to pay online. I was never advised of this information. I was also never advised completely of the high interest charges and now I 've learned that it will take me three years to pay off the loan. 
Springleaf also placed me on some type of program where I would get towing and other services but never provided me the information. It was until I made contact with their corporate office in which that information was given. Their corporate office claims that the factors surrounding my credit worthiness had nothing to do with race or XXXX and yet have not been able to provide me evidence upon request. 
Sorry, but I paid for a first-class service, and I expect to receive it. Please contact me within ten days to arrange talks in settling these affairs. In other words, I am seeking that the loan be paid out in full and satisfied. I am also seeking mental anguish and punitive damages. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent ceryified letters to all three credit bureaus disputing several inaccuracies on my reports ( I'm a victim of idenity theft since XXXX ) and wanting proof of any verification. I got no responce. Then on XX/XX/XXXX i sent three more certified letters to all three credit bureaus about why i recieved no responce and it was well past thirty days. As of today i still havent recieved a responce or any verifications for any of it i am uploading these letters. I need these accounts removed because i am trying to purchase a home for my son and i. Thank you
Product: Credit card

Complaining about American Express scam late fee from me XXXX had been 11 years card member of American Express XXXX AE ), and always make payment on time *Since I did not realized there were few purchase amount from my XXXX account were charged to this AE card *There was a purchase {$21.00} due on XX/XX/XXXX, and plus another {$14.00} purchase later, so there was total of {$35.00} purchase amount due on XX/XX/XXXX *When XXXX realized this accident purchase charges, I made the payment to pay off all due and not due yet purchase amount and plus interest charge on XX/XX/XXXX at the total of {$70.00} XXXX called in right after I paid off all the amount and was promised that the late fee will be waived *But on XX/XX/XXXX, I found out AE did not waive my late fee charge and continued to charge me late fee on late fee plus interest * So I called AE 5 times on XXXX requesting to solving this problem, but nothing happen, then I requested to close my account on XX/XX/XXXX, and called to close my another AE Card later XXXX had been charged late fee on late fee plus interest every month even I did not own AE any XXXX since XX/XX/XXXX *Because of {$35.00} purchase amount due on XX/XX/XXXX and was paid on XX/XX/XXXX already, by XX/XX/XXXX the total of late fee & interest is {$350.00} XXXX XX/XX/XXXX the total of late fee & interest is {$350.00}, COULD NOT BELEVE AE SCAM THEIR CUSTOMER BY LATE FEE CHARGE EVEN I DID NOT OWN THEM ANY XXXX * instead of solving the problem, AE called me every day from XX/XX/XXXX to XX/XX/XXXX to harassed me every day for almost XXXX months * instead of taking care of my complaints and solving the problem, they forwarded these ridiculous late fee charges to collection XXXX Systems XXXX ( XXXX ) on XXXX XXXX contacted XXXX XXXX XX/XX/XXXX to dispute these ridiculous late fee charges, XXXX told by XXXX an investigation case would be open for this dispute *then I XXXX a letter from AE dated XX/XX/XXXX for this dispute investigation ( reference number : XXXX ) was open, and will try to resolve in less than 30 days *BUT AT THE SAME TIME AE REPORED TO CREDIT BUREAU, MY CREDIT SCORES WAS LOWER DOWN XXXX POINTS ON XX/XX/XXXX XXXX XXXX AE to correct their wrong reporting to credit bureau to fix my credit scores, but I had been told the only XXXX XXXX will fix my XXXX XXXX is to pay all the late fee charges they scam from XXXX called on XX/XX/XXXX, XXXX XXXX answered my phone, Refernce # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX  : {$640.00} XXXX XXXX XXXX XXXX  : {$400.00} XXXX XXXX  XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.