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

This is not a duplicate nor is this complaint being 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 a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The Experian and XXXX and Experian Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaint. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Experian are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am a victim of identity theft and human trafficking.

I write to dispute certain information in my file resulting from the crime. Just so you know the items I am disputing do not relate to any transactions that I have made or authorized. Please make Transunion comply with the Fair Credit Reporting Act and remove these fraudulent accounts from my Credit file. 
XXXX fraudulent accounts are showing up on my Credit Report, these accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. 
I entered the Country for the first time back in XX/XX/XXXX and before that, I was trafficked and smuggled out of XXXX because of Political Problems and into XXXX until I finally came to the United States. A lot of people had access to my Passport/Identity documents along the way, which put me at extreme risk of Identity theft and for my sensitive documents to be compromised. 
The above XXXX items are inaccurate because they do not belong to me, are fraudulent, unauthorized by me, and are a direct result of criminal Identity theft. 
I have only ever opened and authorized XXXX Credit Cards in my lifetime, they are both from XXXXXXXX XXXX opened in XXXX, and those plus XXXX auto loans are the entirety of my CORRECT and AUTHORIZED Credit History. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, to section 605B of the Fair Credit Reporting Act and section 605C of the Fair Credit Reporting Act ; I am requesting that the XXXX fraudulent items be fully removed. 
Attached are Proof of my Identity and address, copies of the Police report, an Identity theft report supporting my position, Also attached is my XXXX XXXXXXXX by the Department XXXX XXXX XXXX XXXX years ago proving that I was an Asylee/Refugee and victim of trafficking. 
Please have Transunion comply with section XXXX of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act and delete the disputed items as early as possible.

It seems unfair that the only way for me to get these off my Credit report is to file a lawsuit against Transunion.

I hope that the Consumer Financial Protection Bureau can end this never-ending nightmare for me. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update the suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the listed account. This was already included in my prior COMPLAINT, and I'm including it again. 

XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$6700.00}
Product: Bank account or service

My ex-wife obtained pictures of checks I mobile deposited. When questioned how she admitted that XXXX of her clients ( my ex is a XXXX ) works for TD Bank in XXXX South Carolina and obtained these for her. I went to see my local branch manager who was helpful and opened an investigation. I had to close my account and I opened a new XXXX ( I watch it daily to make sure there is no funny business going on ), and I was told my account would be watched for any questionable activity. Meanwhile I had to lay out {$80.00} to have new checks printed and sent to me XXXX day air. This whole mess caused absolute chaos in my bank account and I am just now about XXXX months later, getting back on top of things. Meanwhile because of the mess the banks employee made, I have had overdrawn checks and they have made at least {$500.00} in fee 's off of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This is the second complaint I have opened. 

Shortly after my first complaint was closed, with an unsatisfactory resolution ( XXXX ) XXXX XXXX reopened a credit line without my permission. The account was closed in XXXX of last year and the company is now incorrectly reporting the account as open. 

XXXX XXXX is now engaging in malicious, and predatory practices against me in its servicing of debt that it previously stated, *on a recorded line* was resolved and that the account was closed Im asking for help from the CFPB to investigate this matter and bring a resolution. 

XXXX XXXX is currently under investigation for it practices in its credit card business, beginning in mid XXXX and that investigation has now expanded in XXXX. 

I believe my case to be solid proof of the mishandling of a credit card account and
Product: Checking or savings account

On XX/XX/XXXX I had 2 deposits of XXXX deposited into my account from XXXX XXXX. One of the deposits was received at XXXX and the other was received at XXXX. At the time I checked my online banking I had a balance of XXXX dollars and some change both transactions of XXXX were pending on my online account as of XX/XX/XXXX. Those deposits paid for pending transactions of XXXX dollars for XXXX and XXXX for XXXX that was going to post by XXXX on XX/XX/XXXX. I made a payment of XXXX to XXXX XXXX and deposited XXXX cash into the atm to cover that bill tgat will post on XX/XX/XXXX. Everything was on point so I would n't receive any overdraft fees. On XX/XX/XXXX i checked my online account I see that I am overdrawn by XXXX dollars and some change. I looked at my account online to see how can that be with all the deposits I made. I noticed that pnc bank was only showing one deposit of XXXX when it was showing two on XX/XX/XXXX. I called the bank XXXX number and was told there was nothing she can do because she only see one deposit pending. Yesterday it was two I had all bills covered without anything showing negative so what happened to the other deposit of XXXX that was pending also .I have another check coming in on theXX/XX/XXXX for XXXX that is going to bounce because I 'm overdrawn cause somehow pnc claims they do n't see the other deposit of XXXX. More fees will be added for some glitch on pnc end. I called XXXX XXXX they sent me confirmation that both deposits of XXXX were sent to my account on XX/XX/XXXX. I went to the bank and made a complaint because pnc claim it 's not on there end but I have transaction numbers from XXXX XXXX that show there wad two deposits. The complaint number is XXXX for pnc bank that was put in by XXXX XXXX at the XXXX branch XXXX XXXX XXXX XXXX. I do not have extra money to clear up the fees that were added because of your error of my deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX This account was deleted form my credit file on XXXX XXXX do to reporting inaccurate information. Now you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) .This item was deleted and reinserted without notifying me 5 business days after and certifying that the items was validated properly. I demand this account be deleted from my credit file or I will seek litigation. Violations According to the CFPB : 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) : ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion 15 U.S. Code 1692c ( a ) : ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I enclosed attachments providing proof that this inaccurate account was deleted on XXXX XXXX. So as you see my rights are being violated in so many ways according to the Consumer Financial Protection Bureau ( CFPB ), by this inaccurate account being deleted and then reinserted back on my credit file. This is causing tremendous stress and preventing me from getting new job opportunities to better my family life which is not fair. 
Thank You regarding this matter!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX : Account number XXXX XXXXXXXX XXXX : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I called destiny and made a payment for {$260.00} and closed my account. I received a confirmation email. I woke up this morning to see the payment was processed XXXX!! The representative said its my fault and I could possibly get the money back if they approved it. Ive had both but issues with this company. I have a son who has a XXXXXXXX XXXX XXXX XXXX XXXX and Im financially struggling.
Product: Debt collection

Saw on my credit for Diversified Consultants for {$5100.00} for XXXX. I immediately called XXXX to see what was going on. Said had an old account from last year and verified was opened and all items were sent back but some how I am still being charged for all the items. XXXX said there was nothing they could do on their end so called Diversified and the people were extremely rude and abusive on the phone before I could even get a word in to explain why I was calling. Threatened me and harassed me. I am also looking into an attorney to go after them for the way they treat consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to ALL XXXX credit bureaus- XXXX XXXX Experian XXXX XXXX XXXX times to have this account with ( XXXX- name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the XXXX credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Product: Credit card or prepaid card

Upon checking my account I noticed a plethora of unauthorized charges on my account. My card was in my possession the whole time and I let nobody use it. In tears and confused I immediately phone American Express Serve and reported the fraudulent charges. Totaling a little over $ XXXX. To my amazement the representative I spoke to was extremely condescending almost hinting as if I had something to do with these charges. I was furious! I received an email saying {$4800.00} was disputed. Which is a lie! I have proof of my Declaration Of Fraud which I will also attach, I never disputed that much. I only disputed unauthorized charges that I didn't make. The email also stated " Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore, the transaction ( s ) is not eligible for credit to your account. '' I called in another time, the representative that answered said I have to take it up with the merchants in question. How when I've never did business with any of those merchants?! American Express Serve is extremely unprofessional and can care less about their customers. Obviously our money and financial safety mean nothing to them. I am on here to share my nightmare of a story. And hopefully deter others from making the same mistake I made using this Institution. Please go to an Institution that values your account safety and customer relationship. Please stay away from American Express Serve they don't care about their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed 9 credit inquiries that I find to be problematic.Please investigate these inquiries at your earliest possible  convenience, I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter, below are the unauthorized inquires that are not tied to any open lines of credit. 
XXXX XXXX XXXX Inquiry from XX/XX/2019 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2019 Misc. 
XXXX XXXX  Inquiry from XX/XX/2019 Misc. 
XXXX XXXX Inquiry from XX/XX/2019 Misc. 
XXXX XXXX Inquiry from XX/XX/2019 Misc. 
XXXX XXXX Inquiry from XX/XX/2019 Bank XXXX Inquiry from XX/XX/2019 National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/2019 Bank XXXX XXXX Inquiry from XX/XX/2019 Misc.
Product: Debt collection

I reached out to Capital One Bank, back in XX/XX/2019, about a credit card debt they are falsely reporting to the credit bureaus. I spoke with the fraud department and was told they would investigate and get back with me within 45 days. I never heard from the company via mail as I was told.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Target keeps calling me all day long on my home phone and cell phone.
Product: Vehicle loan or lease

I am not familiar with this account. I have contacted GM FINANCIAL concerning this account my letter was delivered on XX/XX/XXXX the tracking number is XXXX XXXX XXXX XXXX XXXX. GM FINANCIAL has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I called XXXX to receive my three free annual credit reports from XXXX, XXXX, and Equifax so that i could begin to dispute incorrect credit info. I received XXXX and XXXX reports and never received Equifax after receiving the other two reports.I tried contacting Equifax by certified mail ( XXXX XXXX ) only for them to send me a letter ( XXXX XXXX ) stating that they needed me to send personal info in the mail as to prove who I was ( copies of utility bill, ID, W-2,  social security, etc ) .I sent certified mail to all three agencies with the a letter of dispute and a letter from the agency that I paid the full amount to as well as the bank statement showing the full payment amount. I also found out today ( XXXX XXXX ) that XXXX  deleted my social security number from my credit report deeming me untraceable to calling the agencies and being identified. Im fighting to clear a debt that I paid on XX/XX/XXXX in the full amount and now they seem to be making it impossible.
Product: Credit card

Got an email about a hard inquiry on my XX/XX/XXXXcredit report for a synchrony card, then I got an email from Amazon about completing my registration for my new Amazon store card with Synchrony Bank that I did not apply for. I got all of these emails on XX/XX/year> and that is the same date of the hard inquiry on my credit.
Product: Credit reporting, credit repair services, 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. 

XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Debt collection

I filed a complaint about Credit Acceptance on XX/XX/14. They are now harassing me by repeated calls. I want them to leave me alone, no calls and communicate in writing, if necessary. I only owe XXXX more payments and I want make them in peace. This is typical of the way they work.
Product: Credit card or prepaid card

Today, XX/XX/2023, after receiving a call from American Express this week and a letter last night regarding an application for an AMEX, I called AMEX and told them I had not applied for any card. This was not me. I thought the phone call I received earlier this week was bogus, but when I received a letter from AMEX, I was very concerned that someone was using my identity fraudulently. I spoke to XXXX and another man at AMEX who put FRAUD on the application and escalated the issue to the High Risk team, then I called XXXX to let them know to remove the inquiry from my credit report due to the above. XXXX 's rep told me to file a complaint here, and so I am. Thank you for all your help and for reporting this to the other credit reporting agencies.
Product: Credit card or prepaid card

Up to a few months ago, I had an XXXX credit card with XXXX XXXX for many years. I always paid my XXXX card balance with a XXXX checking account transfer. I was then notified by XXXX that XXXX was transferring its credit card business to Barclays bank. I did not want to open a Barclays bank account so I disregarded notifications to do so. 
I no longer had access to any of my XXXX XXXX credit card statements, nor any credit card history. It was wiped from my XXXX account. 
Because I did not have a Barclays account, I had no access to my XXXX credit card statements at Barclays. 
I received a letter from Barclays bank today stating that I have an account balance of # XXXX which includes a late fee of {$35.00} and that to pay this balance I must open a Barclays account. 
I am being penalized for something I have no control over and never authorized. I am being penalized for not opening a bank account. I am being penalized for a late fee for a statement that I have had no access to.