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

Nowcom/XXXX XXXX got a hold of my credit report on XX/XX/XXXX which was never authorized by me. I contacted the company and spoke to a representative name XXXX who said they would remove the inquiry but never did. NowcomXXXX XXXX XXXX got a hold of my credit report on XX/XX/XXXX which wasnt authorized by me. NOWCOMXXXX XXXX got a hold of my credit report on XX/XX/XXXX. NOWCOMXXXX XXXX XXXX XXXX XXXX got a hold of my credit report on XX/XX/XXXX without my permission. These inquiries are negatively impacting my credit profile causing me to not be able to do business with legitimate creditors.
Product: Debt collection

Americollect at XXXX XXXX XXXX XXXX, XXXX, Wisconsin XXXX has been sending me collection notices in the amount of {$410.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have any a contact with my signature. Debt amount has changed multiple times as well. First they tell me I owe {$280.00}, then they send me a letter saying I owe {$410.00}, and now they are stating {$410.00}. 
They put the collection back into my credit report. This is not my debt and I do not have any association with this company.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Would you mind looking into this personal information for me - Seems a little awkward with certain information. I was going through my personal information on my credit and I was wondering if you don't mind fixing it to reflect the Identification, social security number, and proof of address I attached to this letter? Can you do me that favor? Under the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 2 ) and 605B, I am disputing the presence of employers listed on my credit report. The inclusion of employers on my credit report is inaccurate and irrelevant to my creditworthiness, as it does not pertain to my credit history or financial obligations. 

Employer - XXXX XXXX Employer - XXXX XXXX Incorrect Name - XXXX XXXX XXXX Employer - XXXX XXXX Incorrect Name - XXXXXXXX XXXX Incorrect DOB - XX/XX/year> Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Employer - XXXX XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX, XXXX, AZ XXXX These are the ONLY personal information that should be reported on my credit report : Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have fraudulent and unauthorized credit card accounts and credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, the following credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/2017, XXXX XXXX XX/XX/2017, XXXX XXXX XXXX, XX/XX/2017
Product: Credit card

I was charged {$1200.00} to my Chase Sapphire credit card on XX/XX/XXXX by merchant XXXX XXXX XXXX XXXX XXXX. I did not make this purchase but upon investigating myself, I learned this was a charge to an XXXX  event called XXXX XXXX XXXX XXXX XXXX XXXX XXXX  hosted by XXXX XXXX ( a link to the event I was charged for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

I did not make this purchase. I immediately requested a refund via my XXXX account but never received a response from the company. Then I contacted Chase ( on XX/XX/XXXX ) and reported the fraudulent charge. They said they would look into it. On XX/XX/XXXX Chase sent me a letter saying I was responsible for the transaction, giving the reasoning that " You received benefit from this transaction. '' This claim by Chase is false -- I did not receive benefit from this transaction. The event that this ticket was fraudulently purchased for was in XXXX and I live in XXXX XXXX. Also upon my own investigation, I believe the event was also set up fraudulently as a way to scam people via XXXX. I found a different event page for an identical event by a much more established company that has XXXX followers on XXXX ( XXXX XXXX XXXX XXXX XXXX ). This looks like a real event, but the one I was charged for was a fake duplicate by a company that seems to host no other events but has the same name.

Because Chase denied my claim despite the fact that it was made fraudulently and there is no evidence that I benefitted from the transaction, I am hoping for assistance in having this charge wiped from my credit card.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit report, I noticed some accounts I am not familiar with. I have ask the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report, as well as an email showing my information being exposed in a national data breach.
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. I have been disputing fraud accounts on my credit report since XX/XX/XXXX. I keep sending multiple sets of letters to the bureaus so the excuse of we didn't get it '' doesn't happen. Furthermore, each letter of mine is to remove the accounts and Ive also attached an FTC and Police Report which I filed on my local Police Department, yet XXXX is still not taking any actions. The accounts are not removed from my report. The bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately! 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding inaccuracies in my credit report, as maintained by TransUnion. On XX/XX/XXXX, I initiated contact with TransUnion to address the following discrepancies on my credit report. As of the present date, TransUnion has not responded to my inquiry. I am outlining the erroneous information below, along with the necessary corrections : Account Not Mine : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$4000.00} Request : Please remove this account from my credit report. 

Account Not Mine : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2300.00} Request : Please remove this account from my credit report. 

Account Not Mine : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} Request : Please remove this account from my credit report. 

Account Never Late : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} Request : Correct the inaccurate late payment information on my credit report. 

Account Never Late : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$7900.00} Request : Correct the inaccurate late payment information on my credit report.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked TransUnion to investigate the accounts they are showing I have with XXXX I have filed the complaint here as well : XXXX They are showing duplicate accounts with contradictory information They both showed I have a tractor ( XXXX tractor ) that is several months past due. XXXX accounts for the same tractor that wasnt mine to begin with I disputed and it says XXXX account has been repossessed and I owe XXXX  XXXX more on the other account the same tractor! 

I tried to redispute a d they refusec
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a bankruptcy filed XX/XX/XXXX with XXXX XXXX XXXX TEXAS, an auto loan account opened XX/XX/XXXX with XXXX  XXXX, an account with XXXX opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX  opened XX/XX/XXXXXXXX XXXX XXXX  opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX  opened XX/XX/XXXXXXXX XXXX XXXX  opened XX/XX/XXXX and fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

At XXXX MST on XX/XX/XXXX I recieved a text message from TekCollect stating that I have a debt that is due from XXXX XXXX XXXX XXXX XXXX  XXXX. The text reads ; " Lets settle your XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX for 60 %. Pay : XXXX or XXXX Reply Help for info XXXX or STOP to end ''. 

When I tried to contact XXXX XXXX XXXX XXXX XXXX XXXX I determinied that they are out of buisness and there is no way of speaking with them directly. 

When I called TekCollect at the number above they stated that the date of service was for XX/XX/XXXX and that I owed ~ {$150.00}. 

I then called my dental insurance XXXX XXXX who confiremed with me that nobody in my family ( my son and I ) had seen a dentist in XXXX according to their records. I do not see any dentists which are out of network, and XXXX XXXX XXXX  was an in-network provider therefore all claims would necessarly go through them. This matches my memory because I was sick with XXXX in XXXX, and by the XXXX of XXXX in XXXX there were no dental offices open in my area due to the lockdown. 

To be clear, I did not see a dentist in XX/XX/XXXX and the last time I went to XXXX XXXX XXXX XXXX XXXX  XXXX was in XXXX as is confirmed by my insurance carrier. I stopped going to this particular dentist because of their billing practices and because I have delt with this exact issue before. 

To be clear - there is absolutely no way that I owe XXXX XXXX XXXX any money. 

When I called TekCollect and spoke to an XXXX - I requested a detailed billing statement, and any and all explanation of benefits from my insurance. XXXX said that they have previously mailed those detials. Which is false, I have not recieved any mailings from them what-so-ever. 

After several minutes of arguing TekCollect provided the following XXXX XXXX to contact them : XXXX XXXX XXXX XXXX Ohio XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

My boyfriend received a call from XXXX XXXX at Atlantic Recovery Solutions on XX/XX/2020 about a debt that I owe. He was asked if he was my husband to which he replied no. XXXX then discussed my debt, the amounts owed, as well as offered a settlement option to him. 
XXXX also told him that a judgement was about to be filed against me for the amount owed. 
I have not had any contact with this debt collection agency, no letters phone calls etc, and it is unlawful to talk to other people about a personal matter. 
This is a clear violation of the FDCPA.
Product: Debt collection

To every account on any credit report and any debt collector ; This notice is addressing all Credit Reporting Agencies and third-party debt collectors who has participated in obtaining the personal information of XXXX XXXX XXXX The information that you have provided in which you reported verified the party 's ownership of debt is expected to be removed immediately. There was never at any point any consent given for the presence of any accounts pertaining to XXXX XXXX for information to be used such as name, address, consumer relationship, work history, reporting of transactions. In practicing these actions, you are infringing on the fair credit act. The FCRA protects the privacy of consumers data, according to 1681 c-2 it is classified as identity theft. There is no binding contractual agreement between XXXX XXXX, and any account of the busines ( s ) reported on any of the credit bureau or third-party collection agencies credit reports. Therefore, XXXX XXXX never received any sort of check, loan, or monies of any nature from any account name on these reports. This counts as misrepresentation resulting to damages to XXXX XXXX causing loss and harm. NOT ANY agency has provided proof of ownership.
Product: Credit reporting or other personal consumer reports

I HAVE NO IDEA WHAT THIS HUNTER WARFIELD DEBT COLLECTION IS IN REGARDS TO AS THIS IS THE FIRST NOTIFICATION I HAVE GOTTEN TODAY AS OF XX/XX/2024. SAYS I GAVE PERMISSION BUT I DONT KNOW NOR REMEMBER WHEN I DID THAT. THIS HAS NOT HIT MY CREDIT THAT IM AWARE OF BECAUSE I KEEP WATCH ON MY CREDIT BUT THIS BETTER NOT HIT MY CREDIT AS THIS IS ILLEGAL. I JUST GET SOME COLLECTION BILL OUT OF THE BLUE, NO NOTICES PRIOR TOO THIS AS TO WHATS THIS IN REGARDS TO OR ANYTHING. IF THIS HITS MY CREDIT I WILL DISPUTE EACH AND EVERY ONE OF THEM AS THIS IS UNFAIR UNDER FCRA AND ITS ILLEGAL. PLEASE REMOVE THIS DEBT UNDER ALL THREE CREDIT BUREAUS AS I OWE THEM NOTHING. JUST THIS EMAIL I GOT THIS MORNING THAT IM NOT TAKING AND REFUSING. IM NOT ACKNOWLEDGING ANY DEBT CONTAINED IN THIS LETTER NOR PAYING ANYTHING.

THIS BETTER NOT HIT MY CREDIT AS I DO KEEP WATCH. I DONT EVEN KNOW WHAT HUNTER WARFIELD IS..HAD TO 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

Attempted to open a credit card with XXXX XXXX. XXXX XXXX queried Experian for my credit report. Experian is reporting to XXXX XXXX that my credit is delinquent or on a payment plan. This is wholly in accurate and is not even visible on Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX as stated here and on the XXXX stated the removal of this hard inquiry due to id theft someone had tried ( unsuccessfully thanks to a credit freeze ) to have opened an account on XXXX XXXX. This was spring of XXXX, however as of XX/XX/XXXX the hard inquiry is still present on my credit file. See attached. 
Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX before the end of business day I made a payment over the phone for the first time ever with this XXXX XXXX  I spoke to the representative over the phone, and I was assured I was not going to be late it was on a recorded line. They did their investigation concluded that the representative was incorrect, but the decision remains in that time I did not know that they were going to apply the payment for XXXX because I had 2 days left until the end of the month. I have made similar payments in branch before without a problem and the representative assured me, I would be fine without the company line verbiage that they are trying to communicate telling me the customer that it was not a business day that's their only response That was given to me I was redirected to XXXX it was a department that handles the situation they had no compassion for the error they were condescending they belittled me and talked down to and basically told me that's it! after a 3 day investigation in the meantime my score dropped XXXX points and my life is in shambles I have lost of sleep I have never been 30 days late with the company in 4 years. I am ready to go to social media and alert people to not believe what this bank tells you over the phone nothing has been resolved as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department and sent a copy of the police report and case number to XXXX XXXX, XXXX and Experian in regards to a fraudulent account and hard inquiry listed on my credit report. The following fraudulent account and hard inquiry do not belong to me : XXXX XXXX XXXX XXXX XXXX, {$5100.00}, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX
Product: Debt collection

Navy Federal Credit Union hired a lawyer XXXX XXXX best of XXXX XXXX XXXX XXXXXXXX XXXX  PA to sue me for credit card I have with them that is part of an on going investigation with the U.S. Government for XXXX XXXX & Identity Theft. 

My account/card was purposely frozen or as they have it inactive status due to such actions mentioned above. Credit card and loans were submitted on credit report as a loss XX/XX/2021. As I am am unable to show any activity on creditors or VA Compensation or any government entities until further notice of clearance of said investigation completion.
Product: Credit card or prepaid card

Hello, I opened a credit card account to HSBC. Account was approved. Then, I wrote a check for a balance transfer. It was first approved and then denied as it was " dishonored and returned ''. I tried to call the company and the special dept that takes care of this problems is never available or they do not respond. I tried then closing the account and they say the only one that can do that is the special department but they are unreachable. So, I have a credit card that I opened and I can't used and I can't close neither.
Product: Checking or savings account

Keep blocking access to my account XXXX citibank card number XXXX
Product: Checking or savings account

TCF Bank updated their computer systems and now I can not access my bank account online. I get my statements online so I have no visibility to my account. There is now a verification code being text to a phone number that is not mine. I have spoken with customer service and they have logged a ticket with IT. It has been five business days now and I still can not access my bank account.
Product: Credit card

In the XXXX week of XXXX, I received a call from a Commerce Bank Fraud Department Investigator. She called to ask me about charges that she thought might be fraudulent. She asked me about some of them and I told her the ones that were mine and those which were not. 

They did an investigation and concluded that they would remove {$230.00} charges but would not remove {$15000.00}. The reason they denied those other charges is because they sent me a text asking me if I tried to make a {$100.00} charge, which I had. Their text did not include the name of the merchant. 

I am attaching a more detailed letter. 

I have never had a credit card company reject removing fraudulent charges.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report.I was shocked to learn that I have been a victim of identity theft.I found number accounts on my credit report that were not open by me.This has been hurting me as I am in the process of buying a home for my family .Please remove the fraudulent accounts from my credit report soon as possible.