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

RE : FTC Report # XXXX In accordance with XXXX5 USC 1681c-2 c ( a ), it is imperative that credit reporting agencies take immediate action to block and remove all information associated with alleged identity theft from consumer credit reports. This statute mandates that credit reporting agencies promptly address such requests within four business days of receiving a complaint.

1.Identity Theft. 
XXXX XXXX Account XXXX Statement : not mine ( tracking number of letter sent via usps priority in attachments ) 2.Identity Theft. 
XXXX XXXX Account XXXX Statement : not mine ( tracking number of letter sent via usps priority in attachments ) 3. Identity Theft, HARD INQUIRIES Statement : i dont recall applying for any credit since 2021 ( ( tracking number of letter sent via usps priority in attachments ) The statute allows me to pursue for damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k.

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and the credit bureau has taken no immediate action to block and remove the fraudulent account from my credit report. I sent multiple certified mail to attempt to resolve this. I have provided all the necessary information to facilitate this process.

Attached : - FTC ID Theft Report - USPS Priority Mail with Tracking Numbers for correspondence sent to bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit card ending in XXXX is showing an opening status on my credit reports. I called the automated system weeks prior to close my account yet the open-status remains on my credit reports.
Product: Debt collection

I used to have an unsecured credit card who was closed on XXXX/XXXX/14 and I never knew that my account was send in collection without my knowledge. I getting some harassment phone calls from a collection agency and I am on the Do Not Call list. I am very upset about the way the Credit Union instead of contacting me directy about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX I called Kohl 's to make my monthly payment, decided to pay 2 seperate pymnt in order to pay 1 month in advance.I had no idea when fraud occurred & credit union cancelled my card that Kohls pymnts were not paid. No NSF fees, trying to recover cash, contact all auto-debitors, finding unknown SS #, addresses, employment, credit inquiries, attempts to finance a vehicle and more connected to my credit report ... what i later found to be Kohls recorded messages in my vmail sound like telemarketing, incomplete, started with 2 min white noise, cut off with incomplete info & was unsure who called. They reported me dropping my credit score 42 pts overnight.I was in 1st stages of home equity loan to upgrade my home, this ruined all arrangements for that.I spent hours, days, made over 40 calls to Kohls/XXXX, Corporate promised me a callback in 10 min, after visiting a store manager asking him to please call in order to attempt getting someone to help me, they never called.He was embarrassed for corporate. I tried everything, I explained the fraud, offered credit union statements, proof no NFS fees, you name it and they referred me time and time again to XXXX who referred me back to Kohls. Started on XXXX XXXX and it is XXXX XXXX, no one has ever responded to my calls, emails, requests for help, complaints, nothing but a runaround from a huge chain that never sent a letter about my missed payment, never responded to my many emails or phone calls, but manages to blow up my email daily with duplicate " offers '' in an attempt to entice me to spending more money. They make sure they have the resources for marketing while leaving long time customers hanging in the wind with no answers or assistance of any type. Paying them off income tax time and destroying the card which I have not used in months.Bottom line, Kohls did not make a effort to contact me about the payment via email, phone or mail other than a poor recorded call that lacks required contact information. In the end, I was promised help the never came, a phone call from the gentleman at Corporate that oversees accounts who I was told is unable to accept phone calls in his office.
Product: Student loan

Aspire student loans changed their reporting guidelines and didnt not notify their customer base. I kilt I work for XXXX and monitor my report daily. I was delinquent with my account but started repayment in XXXX of XXXX. Since then they have changed the payment status from on time, to late multiple times over the last year. Even though I am in repayment, they told me that the choose to report that the account is still in collections or over 120 days past due although I am making my payments. That is issue number one I have, my credit took a huge hit ( over 100 points ) because of them changing the payment status multiple times. I filed a dispute with three credit bureaus but the damage to my score has already taken place. I have made payments on time on an automatic payment plan though I am still being penalized while in repayment, that doesnt seem fair to me. Also, this company confirmed when I called in that they did not alert their borrowers of their changes in reporting so I fear there are thousands that have been negatively effected by their changes they kept secret. This needs to be addressed, they should be held responsible for not informing their clients of these updates. So two issues with this company, even though you are in repayment and current on those payments, they still report you in collections or over 120 days past due negatively effecting our credit and not providing a true representation of my credit behavior. And two, this company made reporting changes that effected their consumers credit reports and they failed to alert or notify anyone of these changes. If I wouldnt have called in and talked to over 5 people I wouldnt have know either.
Product: Credit reporting, credit repair services, or other personal consumer reports

These creditors Portfolio recovery assc XXXX and XXXX XXXX XXXX XXXX are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged accounts are listed as collections with a past due balance of {$1000.00} from portfolio recovery XXXX and {$520.00} from XXXX XXXX XXXX XXXX. This is a violation of the Fair Credit Reporting Act and is in violation of requisite XXXX XXXX compliant reporting standards. By the provisions of FCRA and the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations, i have the right to a fair and accurate credit report, and you are required to remove any information that isnt true, accurate, compliant and verifiable. i demand these above mentioned derogatory items be investigated and permanently remove from my report.
Product: Mortgage

We purchased a home through Caliber Home Loans in XX/XX/2021. Since then we have been trying to contact Caliber Home Loans to set up our payment as bi-weekly. We have spoken to several people on the phone, often after waiting an average of 45 minutes. They all have told us a different thing. We've been asked four times now to submit the same paperwork yet we continually get told our attempt to enroll in their recurring automated payment system has been unsuccessful. We went with Caliber because we were told they were military friendly but when you can't get a straight answer and they have not been able to enroll us in the payment plan we have requested for four months now something seems off.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I hope you are well. I am writing to address a critical issue with my credit report. Upon review, I discovered an unauthorized account that has negatively impacted my creditworthiness. I believe this account is due to identity theft and requires immediate attention and resolution. 
I want to make it clear that I did not initiate or authorize this account. This was fraudulently opened without my consent or knowledge. To address this issue, I reported the suspected identity theft to the relevant authorities, including filing a report and the XXXX XXXX XXXX XXXX XXXX  ). For your reference, I have attached a copy of the Identity Theft Report filed with the XXXX 

I kindly request a thorough investigation into the validity of this account and prompt action to remove it from my credit report, as it does not result from any legitimate transaction or credit application made by me. 
The specific account in question is : XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report I have requested they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually a account that belongs to me
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I purchased a vaccum from target in XXXX ct.I payed cash for it. They lady took the money then asked if I would like a credit card. I filled out the paper work she said it would come in XXXX eight weeks XXXX ; the card came. I di not actvate it for another two weeks. I never used the card. They sent me a bill for XXXX dollars. I payed then I cancelled the card. they said as of now you no longer have this card. Now I get an emai saying I owe another XXXX dollars. I called saying how can I owe you when I no longer have this card. They said if you do not pay this bill we will turn you into the credit beaue. I am trying to get a mortgage for a home. the guy looked up my credit report and said Target says you owe them money. XXXX XXXX and something.. I told him I do not have that card any more. he said you better contact someone this is fraud ( has some one used that card. I calle them and got into a heated argument saying I payed cash and the lady put the money in the till. She said you were issued a temp card ( this is XXXX ) They can put anything into their computers. They get into people accounts taking out money without that person knowing it until it is to late which ruines their credit also. What can I do should I get a lawyer and sue? Target has done this time and time again nothing being done about it XXXX XXXX XXXX veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$360.00}, {$320.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

-- COLLECTION ACCOUNTS -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

3. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.
Product: Credit reporting

I was reviewing my credit report and noticed that information listed on XXXX accounts had changed and was not correct. In XX/XX/XXXX/XX/XX/XXXX, I had XXXX credit card accounts with XXXX XXXX, XXXX and XXXX. XX/XX/XXXX, I enrolled with XXXX of Maryland, so that I could consolidate and pay off my debts. At the time, I was XXXX and was not able to take on any new debt at the time because of the medical bills. 
I disputed this information with Equifax and the results state that the company is reporting the correct information. I have credit reports from XX/XX/XXXX that states XXXX of them was closed in XX/XX/XXXX and the most recent credit report states XX/XX/XXXX. I do not know what is going on with this company, but this information is false and I would like it removed from my credit report. 
Both of these accounts were closed at the same time and had to be in order to enroll in XXXX of Maryland. As part of the programs, you are not allowed to open any new accounts until after the old ones are paid off. Finally, I have been on XXXX since XXXX and have never had a credit cards since then. 
Please help me to get this issue resolved.
Product: Credit card

Since XX/XX/XXXX, multiple of my credit cards have had fraudulent charges. One of the credit cards is from American Express. I reported the fraudulent charges to American Express on XX/XX/XXXX. However, I could not find that Amex opened any fraud claim from my end of the website or bank app. Still, I received an email stating that Amex had resolved the fraud inquiry and credited my account on the same day. 
On XX/XX/XXXX, I received another email from Amex stating that I provided my account number to a merchant, making me liable for all the charges. I requested the bank to provide the documents, but they did not. Instead, they reopened the dispute. 
On XX/XX/XXXX, Amex closed my inquiry, stating that I am liable for all the charges. I requested the bank to provide the documents, but they did not. Instead, one of the representatives told me to contact the merchants. I sent multiple emails and made phone calls to the merchants. Finally, one of the merchants provided information regarding the orders from fraudulent transactions. 
On XX/XX/XXXX, I was finally able to contact the investigation team, and the representative told me that all the orders from fraudulent charges were sent to an address connected to me for years. He asked me to provide documents to support myself if I wanted to reopen the case. When I wrote down the address, I found that the address is the same as the one the merchant provided to me. Then, I discovered that the address is an apartment home, and the entire building was built in XXXX, based on the apartment.com website. It is not possible for me to be connected with this address for years. I also used the name and the apartment number that the merchant provided to me to send an email to the apartment leasing office to ask for the leasing agreement. Luckily, they thought I was the resident and provided me the leasing agreement. On the leasing agreement, my name is not listed, and the fraud charges happened during the leasing agreement period. 
On XX/XX/XXXX, I received an email said the investigation was closed. I called Amex. Even the supervisor could not tell why I received this email. She said the investigation was still ongoing and asked me not to make any payment. 
Amex investigated this claim for months. I made countless phone calls to them, and the representatives and supervisors always provided different information. There was no fraud claim opened in the app or website to allow me to follow the dispute process. Besides Amex, the other two banks finished the investigation for the fraud charges months ago, and I was not liable for the charges, which were from the same merchants. I never received any documents from Amex to show why I am liable, and I asked for the documents a few times during the phone calls, but Amex refused to provide them. Instead, they asked me to contact the merchants. And most of the merchants refused to provided me information and asked me to call the bank.
Product: Debt collection

Creditor : XXXX XXXX XXXX XXXX Collection Company : CREDIT COLLECTION SERVICES I purchased the insurance policy for XXXX. They asked me to provide the documentation for the active insurance for the past 5 years which I did. They gave a quote and approved it. I signed all documents and paid upfront fully for the insurance from XXXX. After two months, XXXX sent me a letter stating that the my premium has gone up as I had different insurance company before 5 year. I said, you asked me to provide documents for the last 5 years which I did and you approved it. And then how it matters who was my insurance provider before last 5 years. I had a call with their top management and they accepted their fault. Also, mentioned that this was a mistake by underwriter and now I will have to pay. I declined to pay additional premium and canceled the policy with them and got insurance from another company. They sent the additional premium as the collection to the above mentioned collection company where I disputed the payment and provided all necessary documentation. After that, XXXX reduced my balance ; however, I requested to provide additional documentation from XXXX to show on basis the outstanding balance is calculated. The collection company never considered my request and simply reported it to the Credit Bureao even though the case was open pending to data that I requested. The manager spoke very rudely without listening the full story and told me that he has taken steps as per guideline whereas they never provided the requested data.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX Account Number XXXX / XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 95-506, Title VI, Section 611, Subsection A-D, please provide the name and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Debt collection

Comenity Bank opened an account on a card that I paid off without my consent with a collection agency XXXX XXXX and they want remove it from my credit report. You can not bill someone again after they closed the account thats against my right as a consumer
Product: Credit reporting or other personal consumer reports

I was forced into a bankruptcy, my ex-wife decided she wanted to stay home and not work, and it doomed us. After the bankruptcy went through I noticed an error. I had a vehicle through Wells Fargo Dealer Services that was not to be included in the bankruptcy. I learned later that it was even though I made all payments on time every month and paid the vehicle off. By law, any type of error is supposed to have the bankruptcy removed. Despite letters to both the credit bureaus and Wells Fargo, my request was ignored and denied, and the bankruptcy was never removed. I did not receive any positive credit for paying for the vehicle and paying it off, there fire affecting my long term credit. I simply would like the bankruptcy removed as the law states. PLEASE HELP
Product: Vehicle loan or lease

Us auto illegally broke my contract. I brought my car in XXXX from us auto. They went bankrupt shouty after illegally selling my contact act to Westlake portfolio management. they added this to my credit as if i never made a payment. The car has been towed and reposed. I was homeless and loss my income due to this.
Product: Debt collection

I have no knowledge of this debt I have reached out to XXXX  the original owner of this account, XXXX XXXX and XXXX. I never received any information for what this was for I dont owe this company I paid my rent until I left and I dont have any past due bills at this place also there were no damages that were sent to me and I have videos and pictures of my move out and I was not given my deposit or given a breakdown of why which is illegal. This is a fraudulent debt that this company is picking up and they dont and still have not provided me what this is debt is for every time I call I get no answers for what this is for they just say they are waiting on the originator to send them the information. But I know its illegal to report a debt on someones credit without any knowledge of what the debt is for. I will be taking this company along with transimunion to court this is ridiculous and it has been over 45 days!