23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020 I received a letter from a debt collector ( XXXX XXXX XXXX , XXXX ) alleging I owe Synchrony Bank, issuer of the Old Navy Credit Card ), an unpaid balance of {$530.00}. This was the first time I have heard of this outstanding balance. Since the last time I used the account ( cant remember when because it was a long time ago ) I have not received any notifications in the form of account statements nor a letter advising that I past due amount or being sent to collections. They alleged they sent it to my address which if I had received it, I would have paid. I have excellent credit ( score well above 750 ) and would not want to jeopardize it in any way. I contacted Synchrony Bank to confirm if this notice was not a fraudulent attempted and they confirmed they sold my debt to a debt collector. When asked to provide copies of the alleged purchases, XXXX, the rep from the Recovery Department, said that the company already sent it to me and I should have it. I insisted to speak to a supervisor and he claimed there are none on staff. He was very rude and unprofessional. Spoke to me in an accusatory manner. I proceeded to call XXXX XXXX XXXX XXXX, and after explaining the situation to XXXX from XXXX XXXX, XXXX, and demanding to see the charges they are claiming I made which make up the past due amount, the call got disconnected. I have made several attempts to contact them and the call gets dropped. This is unfair and abusive practices trying to bully consumers into paying something without giving any details on the charges. This is un acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inaccuracies in all of these reports from Experian, XXXX, and XXXX such as dates for payments such as XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, balances. XXXX XXXX dates account opened on, and inaccurate reporting dates XXXX, XXXX, XXXX, the date opened in different transunion. XXXX XXXX reported inaccurate open date in transunion, XXXX XXXX is inaccurate dates for late payments in Experian, transunion, and XXXX. XXXX XXXX XXXX ( different account ) XX/XX/XXXX has inaccurate dates for when account was opened. XXXX XXXX has inaccurate late payments dates and open dates.
Product: Credit card or prepaid card

Capitol one, restricted use of my secured line credit card without any reason or prior notice, after calling in and advising them that the card was not working they then said they were unable to provide me any information and transferred me to Fraud, after trying to get proof of the reasoning behind the restriction. 

I even advised that they are violating my rights according to FCRA. 

A consumer has a right to obtain all of the information in their own file. Consumers have a right to contest inaccurate information. 

I then advised them that I can verify every single transaction made and why was the card restricted they were unable to answer the question. I have spoken to almost 10 supervisors and who have provided me 1 simple reason and now my credit score is being affected due to them failing to accept payments and or mail me an updated statement as requested to completely close the secured lines they refuse and will not send me a bill but theres {$250.00} remaining on my credit report. This is unfair reporting allow me the opportunity to resolve my debt and cease all communication and update my report is all I asked or I will seek damages and reimbursement of all legal fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2019 give or taake a few days I went to Conns home plus in XXXX XXXX Texas which is identified as Conns store # XXXX I purchase a XXXX OLED Tv and put it on a Conns loan for the amount of {$3100.00} and the next day went back and asked to buy a XXXX vacuum cleaner. They said that would be great and to keep me from having two desperate loans they would do a loan re write ( meaning take the original tv loan and add the vacuum to it ) making it one loan and one bill. I was told at the time the original loan ending in XXXX would be cleared out and the new loan XXXX would have both purchased items on it. I noticed the following month I was getting collection calls in the original loan cause I paid my loan XXXX on time which I have never missed a payment ever. I called them and they said the old loan number I still owed {$100.00} I went to the store and spoke to a manager and he agreed that wasnt correct and the system made a mistake and a ticket would be filed to correct this. Two weeks later still received calls and now collections emails. I emailed Conns customer service, collections and the store of the issues and they all promised me that this would be handled once again and not to worry. 30 days later again the collection calls happened. I explained the story again and again they said it would be taken care of. I called the sotre and asked to speak to another manager and he said he would handled it. This same process has repeated itself for four months straight in which I have over 30 emails with different people telling me it was handled and not to worry. I asked would about my credit report? Would this not be reported as delinquent since its not my loan and Ive made timely payments each month in the correct one. They said dont worry it wouldnt be. 10 days ago once again collections .... I be livid to say the least. She said she would escalate this and again not to worry. I have lost all faith at this point and today I get a credit alert stating I now have a 30 and 60 day late reported from Conns. How is this even legal? My credit is good and important to me and never pay anyone late but now its ruined. I need help with this. I shouldnt be responsible for this companies screw ups. I have no choice but to seek legal advice to file civil charges against this company. This has been the worst experience Ive ever had with a big company. Please help
Product: Mortgage

In XXXX when COVID hit, we asked for forbearance to get us through. They set us up in XX/XX/XXXX. We were required to call every quarter to continue to be on forbearance. We asked for forbearance for an entire year but continued to pay the escrow payments each month. Somehow, after a few months, we were incorrectly switched to deferral. I have called every month for over 2 years to get this fixed and they tell me it is being reviewed and will be corrected. I have resumed making the full mortgage payment every month after that one year of help, and they said the error will be corrected. Then they reported me to the credit bureau for XXXX and XXXX of XXXX in error!! That has since been corrected, but has affected my credit. Nobody ever calls me back, and my statements are a mess and I can't understand them. In addition, they have charged me some miscellaneous fees like 'property inspection fees ' etc. I really hope you can help me get this mortgage brought current. Thank you so much!
Product: Credit card

I've always ensured that payments on this account are made on time, never letting them become overdue. However, I'm unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

my issue is more that the category than I selected. but I mailed the credit bureau a certified letter after disputing online and incorrect accounts came back verified. In this letter I asked to be mailed a copy of what they have in their system to show what they are using to verify and validate that the items I have been declared incorrect, correct. Instead, they sent me a copy of my credit report and denied me my right per FCRA. this is against the law. Below I have the issues that I asked to be corrected. 

2 Inquires- XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX.-XXXX Paid Never Late ( but they have 1 late  payment listed ) XXXX XXXX Account shows late payment when acct should have been in deferment due to being in school at XXXX XXXX XXXX XXXX XXXX account does not belong to me and has been removed off of XXXX and XXXX. Experian has not removed account after mailed follow suit letters
Product: Credit reporting, credit repair services, or other personal consumer reports

I had to move from XXXX because the apartment made me ill. I was told I was let out of my lease but now they have a bill on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a formal request to investigate all information regarding my credit report with Trans Union via certified mail. Its been well over 90 days and they claim that they are still investigating. My understanding is it should be a 30 day process the very latest 60 days. I called and updated my address with transunion within the time frame they requested via telephone call. I provided Trans Union with all information including identity. License, Social Security, card, and proof of residence. To date they have not responded. I can not check or verify my credit on their website. The information being transmitted can not be validated or verified. Violating my consumer rights. Well over 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax and XXXX XXXX, XXXX several times by phone and via internet about the hard inquiries I have noticed on my credit report that I didnt authorize I also tried too call the companys its self but got the run around so Im in need of help to get this matter resolved..
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

In accordance with the Fair Credit Reporting act. These Accounts ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX KS XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

Delete this account immediately, unless you want to be held {$1000.00} per violation.
Product: Credit card or prepaid card

I rented a car because my car broke down. 
I started renting from XXXX in XXXX, Texas on XX/XX/2021 and ended on XXXX XXXX. I was paying every week {$300.00} dollars from Wednesday to Wednesday. using my Discover Card. I made multiple payments to Discover during this same time. The problem is that XXXX charged my card {$1500.00} at the end of my car rental. They never disclosed this practice to me. I was told that they were charging my card weekly {$30000.00} dollars. So I feel let down and duped by XXXX XXXX XXXX and Discover who just took my available credit of {$1200.00} and accepted this last charge of {$1500.00} and left me with a huge balance and no available credit in case of emergencies. 

Please help me! 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX {$350.00} XXXX XXXX, XXXX XXXXXXXX XXXX XXXX- {$450.00} XXXX. XXXX, XXXX You are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. I look forward to your response.
Product: Debt collection

In approximately XXXX of XXXX, XXXX XXXX allowed an account to be open falsely with my identity. To my knowledge, they did no identity verification on the fraudulent account. In early XXXX, my credit score was negatively impacted and an investigation revealed an account in collection with Charter Communications in another state. I contacted both Charter Communications as well as the credit reporting agencies to dispute the account. I also filed an Identity Theft report with the FTC, although I'm no longer able to retrieve it since the FTC web site delete accounts after 6 months of inactivity. The charges and account were determined to be fraudulent and the record was removed from my credit report. Then some time later in XXXX, Charter put me back into collection over the debt. I contacted the collection company and provided the FTC report ID and the charges were once again removed. I have now received a notice The CBE Group that Charter has put me into collections a 3rd time over the same fraudulent account. I called an informed them today that if this is not immediately and permanently remedied, that I will be seeking to sue them pursuant with sections 702 and 706 of the Fair Debt Collection Practices Act. I would like a record of this complaint, so that ot may be used if future court proceeding if necessary.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, and TransUnion credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, a XXXX  XXXX Bankruptcy filed XX/XX/XXXX, a collections account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX  on XXXXXXXX XXXX XXXXXXXX with a balance of {$6400.00}. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was shocked to learn i been a victim of identity theft. I have found numerous accounts on my credit report that were not opened by me, this has been hurting me because im trying to buy a home for my family.Please remove the SELFINCLEAD & XXXX account off my credit as soon as possible, Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are reflecting the wrong balances. All the following accounts should be reflecting XXXX balances. 

XXXX XXXX XXXX Closed Account Showing Balance of {$500.00} Should Reflect {$0.00} Balance XXXX XXXX XXXX   Closed Account Showing Balance of {$290.00} Should Reflect {$0.00} Balance XXXX XXXX XXXX - XXXX XXXX   Derogatory Account Showing Balance of {$160.00} Should Reflect {$0.00} Balance XXXX XXXX - XXXX XXXX Derogatory Account Showing Balance of {$640.00} Should Reflect {$0.00} Balance
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XX/XX/2022 I contacted several insurance companies about auto insurance. My current auto policy is do for renewal so I am shopping around. I received several quote that are substantially higher than my current rate. The agents told me that I had several auto accidents and citations on my driving record. They told me they where getting this information from Trans Union XXXX XXXX. I contacted the FL DMV to verify there was not accidents nor citations on my diving record. I tried to contact TransUnion but they told me they do not report driving records. They told me that they know nothing about XXXX XXXX. I contacted TransUnion XXXX XXXX. They referred me to TransUnion representatives who told me again they do not collect driving information. https : //www.transunion.com/product/truerisk
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, 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I have some credit card accounts that are fraudulent I submitted a FTC report and identification and letter asking that these accounts be removed XXXX # XXXX. XXXX XXXX XXXX XXXX # XXXX amount XXXX
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

This address, XXXX XXXX XXXX XXXX, XXXX XXXX, in XXXX was on my credit report and was reported right around the time my license and social security card including my children social security cards were stolen, my things were stolen in XXXX. I have never in my life lived outside of Texas. Only XXXX, Texas and areas surrounding XXXX, Texas.
Product: Checking or savings account

My business and personal accounts with Chase Bank was restricted pending closure on XX/XX/XXXX, my birthday, due to potentially fraudulent behavior. After speaking with Chase in branch in XXXX, Ohio as well as via phone on the Chase XXXX XXXX XXXX, they told me this was due to sending a {$14000.00} ACH payment to one our our XXXX contractors XXXX XXXX XXXX XXXX 

We have been a Chase customer since XXXX, and this has never been an issue.
Product: Credit reporting

My identity was stolen in XXXX and on XXXX XXXX someone ordered a phone and service with XXXX XXXX. I filed a police report with the XXXX XXXX. I have made numerous calls to XXXX and to Equifax and the Credit Inquiry is still showing on my credit report, now more than 90 days later. I can not get either company to remove this inquiry off my credit report. Equifax tells me XXXX must do it ; XXXX tells me Equifax must do it. I need this removed. This is very stressful as I have to continue to call both companies and find no resolution.