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

I have sent numerous letters to XXXX XXXX and Equifax regrading a fraudulent XXXX XXXX XXXX account on my credit report. Account number XXXX ... This is not my account this is a result of Identity Theft. I sent all three credit reporting agencies, and the furnisher XXXX my FTC report, report # XXXX. 
XXXXXXXX XXXX and Equifax are all in violation of the Fair and Accurate Credit Transaction Act ( FACT ) which E-Oscar guidelines state, " If a consumer submits an Identity Theft report to a furnisher and states that information maintained by the furnisher resulted from identity theft, the furnisher may not provide the information to any bureau, unless the furnisher is informed by the consumer that the information is correct ''. XXXXXXXX XXXX, and Equifax continues to report this account which is hurting my reputation to attain more credit. They keep saying the account is " verified '' as accurate without sending me information of how the account was verified : In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. i asked for The names and business addresses of each individual with whom they verified the information with above, so that I may follow up.The date they contacted the individual funishers of information.The method of communication they used to verify the information. I would also like to know if the furnisher provided you with my SSN, address or DOB. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against XXXX Equifax, and XXXX I have sent 3 previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that they violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX XXXX for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Product: Checking or savings account

I opened my checking account on XX/XX/2024, and despite meeting all the requirements for the {$450.00} bonus advertised by First Horizon, it has not been deposited into my account. An agent informed me that I was penalized for not having a {$5000.00} balance during the first partial statement cycle, which is not feasible. The terms of the bonus clearly state that a {$5000.00} average balance and 10 debits are required in each of the first three full statement cycles. As a result, my funds have been sitting in the account earning no interest, while the bank benefits from my money without honoring their bonus terms.
Product: Debt collection

I upgraded my XXXX XXXX XXXX internet service back in XXXX, XXXX was suppose to cancel the old service once new service was connected. I recieved a bill for the old service for {$130.00} months later I contacted XXXX twice and was told no problem we will take care of it and that I do not owe it. Today I got a collection notice stating I owe XXXX. I have been on the phone with XXXX XXXX XXXX for an hour and half I have been transfered 6 times and this is still not resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX  XXXX Balance : {$380.00} XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$380.00}
Product: Debt collection

On XX/XX/year> I had submit documents about a form of debt by the account XXXX. Which I sent a ftc report along with other documents. On XX/XX/XXXX I submitted more documents to get it remove, Equifax sent me a letter saying it was verified and update. Which I explain to them that the account was close and I would like for it to be removed. Equifax refuse to remove it after the 14 days was up. Then I submitted more documents on XX/XX/year> once I called them again. About the ftc report Equifax try to say the FTC report XXXX file was not the right document which it was dated on XX/XX/year> and XX/XX/year>. This was my third time submitted more documents to them about the repo on this account that was close. They still refuse to remove it, I had file a complaint again them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  I already sent few rounds of dispute about them. I believe that someone have my personal information. So many negative accounts on my name! They are not mine, I have never get it. Im sure that someone hacked my account and used my private information
Product: Credit reporting or other personal consumer reports

XX/XX/2024 cyberspace application denied internet access to bank account credit file of XXXX. Cyberspace application is a black hat trick under false pretense to a CREDIT FILE XXXX name XXXX XXXX of an ITIN spanish police XXXX that prevents XXXX XXXX XXXX customer access to IRS XXXX to defer debt and acquire finances. Credit is not perfect. XXXX XXXX is to be made perfect with birth-given name and surname. XXXX person keeps hiding name with black hat tricks. That's like XXXX XXXX XXXX. I'm a elf with a given name so due from barbaric nature I keep getting harassed by XXXX cyber space messing up the internet.
Product: Credit card or prepaid card

In XXXX of 2019, I contacted XXXX XXXX and asked to set up an auto-draw on my account for future payments. I assumed that was done until I received a call in XX/XX/2019 from an account representative stating that my account was past due. I again set up a payment to be auto-drawn from my account on XX/XX/XXXX. That payment wasn't drawn from my account and I had no idea it wasn't until I got a notice from XXXX stating that I had a 30 day late on my credit. My credit score went down 55 points. I have never in my life had a 30 day late on my credit. When I called XXXX XXXX, they were unwilling to help. They told me that I would have to provide proof that I had set up the account payment. Since it was over the phone and I was working at the time, I never received anything like that. I feel that it is unfair that my credit is ruined because XXXX XXXX didn't auto-draw the payment and now they are unwilling to help me. I need some assistance in getting this straightened out. My good credit is ruined for a mistake on their end.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries from my credit file due to my status as a victim of a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and 605 ( b ), I request the following accounts and inquiries be removed from my credit report : Accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

Synchony Bank issued a card that was opened in my name that I did not authorize. This card was opened fraudulently by a relative and they even made payments from one of my accounts. This has caused my credit to be ruined and lost business opportunities. This is unacceptable Account # XXXX
Product: Credit reporting or other personal consumer reports

Mercedes-Benz of XXXX XXXX willingly and knowingly took advantage of me and my consumer credit. I am NOT terminating or canceling this contract ; I am deducting my payment obligation on behalf of the debtor, as I have found several violations and frauds.
Product: Credit card

I had an account with Capital One that was closed in XX/XX/XXXX due to late payments. I missed payments back in XXXX for the months XXXX, XXXX and XXXX due to work loss during the pandemic. Ive been trying to dispute the late payments and Ive tried calling them to get it sorted it but they cant find my account for some reason. I provided all my information and account number but they cant seem to find it. I recently submitted a dispute through XXXX  and it was denied and remained the same.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 I used a product partnered with my Chase bank account, called XXXX, to make 2 transfers of {$180.00} ( {$360.00} total ) for a product that turned out to be fraud. XXXX is a bank to bank transfer system and was offered by my Chase account to use. Assuming if my bank was partnered or had the system available, that it would be safe, but I was scammed through it. I contacted the person who committed the fraud first to get this made right and that was unsuccessful, so my husband and I filed a police report against the person on XX/XX/19 and moved on to hoping Chase would be able to help the monetary situation considering they were the ones that offered the XXXX option. Chase was unwilling to help, after multiple attempts, even though XXXX is something offered by them through my online account. There is no consumer protection or understanding. I'm a regular person who works hard for their money not a big corporation like Chase Bank or XXXX who benefits from my account, so {$360.00} really matters in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My venmo account was frozen for no known reason. I have all my money in there and account unaccesible. I need food and gas, money unaccesible. 
Sent emails and called no help
Product: Credit reporting or other personal consumer reports

I have never received a credit card from XXXX XXXX. 
I have not do I live at XXXX XXXX XXXX. 
I have not applied for any credit cards Misspelled name
Product: Credit reporting, credit repair services, or other personal consumer reports

Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by XXXX XXXX XXXX (XXXX  XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Date Opened: XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
High Balance: $XXXX 
Credit Limit: $XXXX
Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called XXXX XXXX XXXX because i have no knowledge of this account nor the negative report on my credit. I called the XXXX XXXX XXXX credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas XXXX XXXX XXXX credit card department) I need this problem and error fixed and my credit report corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, X/2017, X/2017, X/2017 and X/2017. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Debt collection

I am writing to formally dispute the presence of a fraudulent account on my credit report. The fraudulent Please conduct a thorough investigation into this matter and remove the fraudulent account from my credit report as soon as possible. It is imperative that my credit report accurately reflects my credit history and financial standing. 

the following accounts do not belong to me LVNV Funding LLC, LVNV Funding LLC. I am unsure in the exact time these accounts appear on my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE.DISPUTED FACTUAL DATA To BE REMOVED FROM MY CREDIT REPORTING ACCOUNT. I SEE XXXX INQUIRIES FROM THIS COMPANY I HAVE STATED AND STILL STATE THIS INQUIRY WAS PLACED FRAUDULENTLY PLEASE REMOVE BOTH INQUIRIES IMMEDIATELY.
Product: Debt collection

Greetings I have been in contact with the Department of Education, XXXX XXXX, and XXXX for the past 15 years directing them and informing them that this is not my debt. I have provided every document they have requested. The fact that idenity theft occurred at the onset was made clear. A few years they finally removed the debt. But now the debt is back on my credit report and they are taking money out of my XXXX check. And didnot give prior notice. This issue is a hardship because i donot owe these funds. It appears that These companies are not interested in following any laws. Under FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) Requirements on Users of Consumer Reports - Prohibition on Sale or  Transfer of debt caused by identity theft. 

Although this issue has been brought to their attention these parties refuse, and deny, following the FCRA regulations. Although they have been notified in writing and by phone that the account doesn't belong to me and that it is the result of idenity theft. This item is presently on my credit report 3 different times by 3 different company names. I have also submitted this into to all three credit bureaus, nothing has been amended or corrected. 
Thank you.
Product: Credit reporting or other personal consumer reports

The response from the credit reporting agencies indicates that the accounts were verified and updated. However, my credit report continues to show several inaccuracies.

According to 15 U.S.C 1681i ( 7 ) regarding the Method of Verification, I am entitled to a clear explanation of the verification process your agency utilized. I am requesting a comprehensive account of each step taken to confirm the accuracy of these disputed items.

Even with these investigations, my credit report still displays errors. I request the immediate removal of these inaccuracies from my report.
Product: Credit card or prepaid card

I AM REQUESTING THAT BBVA WORK WITH XXXX XXXX TO RESOLVE THIS ISSUE WITH MY CREDIT CARD. THIS MATTER HAS BEEN GOING ON SINCE XX/XX/2020. AS STATED IN THE E-MAIL BELOW FROM MR. XXXX XXXX ( XXXX XXXX ) THEY WANT TO PROCESS A REFUND TO ME BUT MS. XXXX XXXX ( BBVA ) WILL NOT WORK WITH THE MERCHANT ( XXXX XXXX ) SO I CAN GET MY CREDIT CARD REFUND AND HAVE THIS ISSUE REMOVED FROM MY CREDIT REPORT AND RESTORE MY GOOD NAME. PLEASE HELP!!! 




XXXX XXXX XX/XX/2020 XXXX GMT-5 Hello XXXX, I understand your need to get this resolved but BBVA can not assist any further. The charge back was refused by the merchant and/or the merchant 's bank. BBVA has no further rights in this matter. You will need to work this out with the merchant, as we have exhausted our rights through VISA. 

XXXX XXXX XXXX XXXX XXXX - Client Care Analyst II Tel. XXXX XXXX Mailing Address - XXXX XXXX XXXX XXXX, AZ XXXX / AZ-PH-TE-ROA Before you print this message please consider if it is really necessary. Antes de imprimir este mensaje, por favor comprueba que es necesario hacerlo. 

To learn more about the personal information we collect and how we may use such information, please visit www.bbvausa.com/policy/ccpa. 


XXXX XXXX ( XXXX XXXX ) 2XX/XX/2020 XXXX GMT-5 Dear XXXX, Thank you very much for your response. 
I confirm that our system shows that the amount has not been released in our favor, so we can process the refund to Mr. XXXX. 
Could you please confirm if the amount will be released to us or an approximate date when this will happen. 
We remain very attentive to your response. 
Regards, ________________________________________ XXXX XXXX XXXX XXXX Dear Ms. XXXX ; I have been in constant contact via e-mail with Mr. XXXX from XXXX XXXX and they are willing to resolve this matter and clear my account as stated in the communication below he needs BBVA to release the credit and chargeback so this matter can be resolved. Could you kindly look into this so we can expedite and clear my credit account. 


Thank you ; Rev. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXXXXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting

I have an UNKNOWN medical collection on my EQUIFAX report. XXXX and XXXX investigated PROPERLY when I disputed and Equifax did not and DELETED the account right away. The account is the only collection on my report, it is from XXXX. I expect this to be properly reinvestigated or I will have no choice but to move forward with legal action with the Illinois attorney general. 

I also sent you a letter stating my issue, with details, which arrived to you YESTERDAY. 

COLLECTION ACCOUNT NUMBER : XXXXMy name is XXXX XXXXAddress XXXX XXXX XXXX, XXXX, il, XXXXI also sent copies of my ssn card and driver 's license last week in the mail to you.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, Back about XXXX years ago I was at sea and I was a victim of identity theft. I caught this when I returned from sea and after about XXXX months I was able to clear up this incident with the help of my local police in the town of XXXX, XXXX. I have been a resident here since XXXX, the identity theft happened in XXXX. They used my information to apply for CC and other accounts but instead of using my correct address and employer ( XXXX XXXX XXXX, they use XXXX, XXXX and XXXX XXXX XXXX in XXXX, XXXX Eventually, after at least a dozen credit denials, a mistake was made by either XXXX XXXX XXXX Transunion approved XXXX of the credit applications an thus updated my records to show I worked at XXXX in XXXX and lived in some abandoned house in XXXX, XXXX Neither of this information was true and even though I had a police report about the identity theft, they would still would address my claims to correct their mistake. 
All attempt thru these agencies to try to remove this fraudulent information have gone unanswered all these years. 
I eventual gave up trying to get them to address their mistakes but thought after visiting this website, I would give it a try again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Tried to work with these companies with removing all the interest penalties. None of them wanted to help me.the loans have been sold to companies I now knowledge I dent make no loan with none of them companies.