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

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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Product: Credit card or prepaid card

XX/XX/XXXX I paid the full balance of my credit card {$170.00}. Therefore, I should not had anymore bills and just forgot about the credit card because I should not have any balances. 
XX/XX/XXXX while cleaning my emails I see an email from Comenity stating I had a past due. 
I called XXXX and they told that the payment was received after XXXX, and that is why I was charged a late fee and interest charge. The CSR spoke to her supervisor and said they will clear up the balance. To check back in 48 hours. But that never happened. 
XX/XX/XXXX I submitted a dispute. And I was advised that it would take 90 days to resolve the dispute, and I would be advised of the resolution in a mailed letter. To this date XX/XX/XXXX I have not received anything. 
I have called and send messages to Comenity trying to resolve the dispute and all I get is I will hear from them in 30 days. 

As of today, they have reduced my credit limit from {$5400.00} to {$750.00}. They have reported to the credit bureaus my account as past due and late for 5 months and affected my credit score. Even though I was advised when I asked about submitting a dispute that none of that would happen. As of today, Comenity claims I owe them {$190.00}. 

Also, please note that no where on their statement states that payment must be done before XXXX of any Time. 
I have attached all the messages, statements, and a spreadsheet detailing the above mentioned.
Product: Credit card

On XX/XX/year> my ex wife used a credit card to purchase a computer without my knowledge and in my account for Dell Preferred. I had asked the court for her to return the computer to the company but she refused stating ( it was a gift from family ). Furthermore, it was then ordered for her to turn the computer over to myself to return which she refused to do so.
Product: Credit reporting or other personal consumer reports

My Experian report came in the mail XXXX on XX/XX/year>. After review I realized there are many inaccuracies and false information being reported. I disputed these inaccurate and false information and told them to delete these items from my consumer report as it is my right and their grave responsibility to report accurate information on all consumers to ensure the banking system is ran smoothly. Further more the FCRA also states that whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure maximum accuracy of the information concerning the consumer to whom the report relates. This is absolutely not the case with Experian as I have showed and told them of these inaccuracies and to delete these accounts pursuant to FCRA where it is stated that after reinvestigation disputed information found to be inaccurate ( it is inaccurate, this is why they wont follow up with a full description of their reinvestigation ) they SHALL PROMPTLY DELETE THAT ITEM OF INFORMATION FROM THE CONSUMERS FILE! Not only have they yet to delete these items from my consumer report they send me a notification and say its updated and has been verified ( which in any case the reinvestigation must be validated not verified and still neither action was met. Not one of these items were changed/updated as they claimed in the notifications of completion. These MUST be deleted immediately. All pictures of my report I received in the mail are attached where you can see the inaccuracies highlighted and how they are the exact same as before the investigation meaning no updated and said to be verified when it is clearly inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX, acct # XXXX, XXXX XXXX, acct # XXXX, and XXXX XXXX XXXX XXXX XXXX, acct # 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 or signature. 

Also I filed 3 affidavits with the FTC and the reference numbers is as follows : XXXX XXXX XXXX
Product: Debt collection

National Commercial Services sent a letter saying they were acting on behalf of their client, XXXX XXXX, Client Re. No : XXXX, Account No : XXXX, Balance of Claim : {$7900.00}. I have no such debt with XXXX XXXX, or anyone else. The letter was as follows : Please be advised that your account has been referred to our internal Legal Department for review. The referral of this matter takes place only after traditional collection efforts have been exhausted. ( There have been no collection efforts made regarding this ) If our Legal Department does indeed qualify your account for litigation and there has not been a resolution as to the outstanding claims, we will assign the file to one of our contracted attorneys in your area to commence litigation. 

It is our sincere desire to avoid the time, expense and inconvenience to all parties brought about by a lawsuit. In that respect, we are willing to consider all reasonable proposals. 

This is a time sensitive matter. Please contact our office immediately in order to resolve this matter without further action. We look forward to your prompt reply. 

Online Payment : Please visit https : //secure.ncssubro.com/payment Hours of Operation - Pacific Standard Time : Mon-Fri XXXX XXXX - XXXX XXXX Sincerely, ALL CORRESPONDENCE SHOULD BE SENT TO XXXX XXXX National Commercial Services XXXX Ext. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX I have not replied in any way to this letter, believing it to be an attempted scam.
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 has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXX  has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX has violated my rights In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX has violated my rights In accordance with the fair Credit Reporting act XXXX these Inquiries has violated my rights. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX, XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX I account # 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

after few dispute letters and request a copy of the singed contract and 1099c for the charge off that they never provide me with.a fraud alert in been placed in my credit report since XXXX.
Product: Checking or savings account

Hello, after I made the CFPB complaint number XXXX, in retalation I received a letter from Bank of America were they decided close my checking bank account number XXXX without any explanation, I went to an office and the Bank of America worker said that I must take out the money on it before XX/XX/XXXX I tried to requested a reconsideration but she said that it's a final desicion even the claim XXXX is not solve yet, in a few word I'll lose my money, the bank didn't help me to recover it and also they will close my account. I'm very lost here and need help. 
After I made the complaint number XXXX, I received a letter from Bank of America were they decided close my checking bank account without any explanation, I went to an office and the Bank of America worker said that I must take out the money on it before XX/XX/XXXX I tried to requested a reconsideration but she said that it's a final desicion even the claim XXXX is not solve yet, in a few word I'll lose my money, the bank didn't help me to recover it and also they will close my account. I'm very lost here and need help.
Product: Credit reporting or other personal consumer reports

Here 's a concise yet detailed explanation of what happened for your CFPB complaint : In XX/XX/year>, I purchased a vacuum from XXXX using Affirm financing for {$1900.00} ( Loan ID : XXXX ). The package, shipped via XXXX  ( tracking number XXXX ) on XX/XX/year>, required a signature upon delivery. On XX/XX/year>, the XXXX driver signed for the package and left it at my front door, resulting in its theft. The signature provided was not mine. 

XXXX refused to accept responsibility or assist with filing a XXXX  claim. Despite reaching out multiple times, XXXX ceased communication and blocked my calls. I then disputed the charge with Affirm, providing evidence of the theft, including a police report and documentation from my renters insurance, which paid the claim on XX/XX/year>. Affirm sided with XXXX, citing tracking information. 

I disputed the charge-off with XXXX, but they upheld Affirm 's report. I believe this charge-off is inaccurate due to the circumstances of the theft and misdelivery. 

I am seeking the removal of this charge-off from my credit report as it negatively impacts my creditworthiness due to no fault of my own. 

Enclosed documents : XXXX tracking information and dispute of signature Correspondence with XXXX and Affirm Police report Insurance claim documentation
Product: Credit reporting or other personal consumer reports

The XXXX XXXX Bank credit card account is not 30 days past due. I made a payment on XX/XX/year>. This account needs to be updated to reflect that a payment was received within 30 days of the XX/XX/year> payment and the status is current. Attached is a screenshot of my online account, which shows my payment in XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is an account on my consumer report that is being reported more than once. In addition, information is not correct. I was denied credit to get my daughter 's XXXX work done for all the inaccurate information that has been furnished to my consumer report. This false reporting is ruining my credit reputation, I have had to move in with my family because of fear I would not be able to get an apartment in a desired neighborhood. 

Also, according to federal laws a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card My credit is my SSN and I have to give my SSN to apply for a " student loan '' therefore these tradelines are a result of my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I summited a complaint, against all 3 credit Equifax XXXX XXXX with CFPB CLOSED THE DISPUTES AND STATED I NEEDED TO SEND A COPY OF ALL INQUIRIES THAT I BELIEVE THAT ARE NOT MINE AND I NEVER GAVE PERMISSION TO RUN MY CREDIT, I HAVE ONLY 8 POSITIVE LINES OF CREDIT ALL OTHER INQUIRIES I NEVER GAVE PERMISSION TO ANYONE OR COMPANY TO TRY TO ACHIEVE CREDIT ON MY BEHALF I DEMAND FOR ALL FRAUDULENT INQUIRIES TO BE REMOVED BY EQUIFAX XXXX XXXX I AM UPLOADING ALL INQUIRIES THAT I DO NOT HAVE A IDEA I AM A VICTIM OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several weeks ago, I attempted, for the first time, to sign up for an account with Credit Karma. 

During that process, the website indicated that an account had already been established in my name. 

I have never before opened, nor attempted to establish any Credit Karma account, nor has anyone ever been authorized to do so on my behalf. 

The Person or persons responsible for establishing and accessing this account have done so fraudulently and have done so using my personal identifying information. 

My attempts to reach the executive offices of Credit Karma have been unsuccessful since the company has NO contact information including valid address, working phone numbers nor email or fax numbers for its executive offices. 

While it is deeply disturbing to learn that confidential information has been fraudulently accessed and may have been disseminated, my concern is further magnified given the absence of clarity as to how long this account has existed or what actions third parties may have taken using this information in violation of applicable law. 

Upon discovery I filed a report with the XXXX Police Department indicating that my identity has been compromised. The Case Number is XXXX. 

I believe that the same parties have been illegally obtaining access to other accounts using my personal identifying information. 

I would like to determine all the salient facts so that I can protect my rights and take appropriate action. 

I would hope and expect that Credit Karma will seek to have the responsible held accountable under all applicable civil and criminal laws. Credit Karma needs to also establish a commercially reasonable way that their offices can be contacted in similar circumstances and to establish procedures to prevent this from recurring.
Product: Debt collection

I was informed that I was being sued by a company by way of checking my public record, which I do often to ensure its accurate. I believe it may be from an old debt but I am not 100 % certain. I am now in the process of also working on getting a validation letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT RPORT. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} 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. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report. Please provide me with a written response to this dispute and let me know the results of your investigation.
Product: Credit reporting or other personal consumer reports

Ive made several attempts to all ( XXXX ) of these credit reporting agencies who has failed to respect and correct my request to correct and delete inaccurate information from the report they are furnishing. 
None of these account or creditors has provided with proper disclosure of 12 CFR 1016.7 - XXXX of opt out notice to consumers ; opt out methods. Therefore, there should never be any reporting of private information, transactions, or income on consumer reports per 15 U.S Code 1618 ( 2 ) ( i ). This company is reporting is my private business which has no permissible purpose per 15 U.S Code 1681b ( a ) ( 2 ). 

I request that my state ID reflect my only address that's reachable to me per United States XXXX XXXX. 

Furthermore, for the following violations listed below and as a result to not remove inaccurate information. XXXX is in violation of the following : XXXX. 15 usc 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information XXXX. 15 usc 1681e ( b ) - Compliance Procedures Maximum Possibility Accuracy XXXX. 15 usc 1692e - False or Misleading Representation XXXX. 15 usc 1692c - XXXX Theft XXXX. 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third party XXXX. 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods XXXX. 15 usc 1635 - I always have the right to recission XXXX. 15 usc 1681b - inaccurate false reporting XXXX. 15 usc 1681e ( b ) - Collection must be 100 % accurate across all ( XXXX ) reporting agencies XXXX. 15 usc 1681b ( a ) ( 2 ) - Permissible purpose of consumer reports PLEASE SEE RECENT DISPUTES AND EXHIBITS WHERE VIOLATIONS AND INACCURUCCIES ARE FOUND. 

XXXX IS AN INITIAL CEASE & DESIST ON THE ACCOUNTS THAT'S MENTIONED, COLLECTIONS, CLOSED ACCOUNTS INQURIES.
Product: Money transfer, virtual currency, or money service

About three days ago, I was contacted by a seemingly old woman about keeping in touch with her and receiving a check in compensation. I foolishly deposited this check, without knowing it was fraudulent and then the check was refunded, taking XXXX dollars of overdrawn fees out of my account and leaving me broke.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the Fair Credit Reporting act XXXX Account # 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, also states a consumer reporting agency can not furnish an account without my written instructions. 

Please refer to companies and account number below. 


XXXX XXXX XXXXXXXX Filed on XX/XX/2016 Reference number : XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXXAccount number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2018 I made a charge of {$3500.00} for an upcoming XXXX. on XX/XX/XXXX the rest of the XXXX charge of {$3500.00} was made. I have a credit limit of {$7000.00} and almost {$9000.00} in credit on the card since I sent in the money to cover the upcoming medical charges. Every charge on the card since XX/XX/XXXX when the {$3500.00} was charged is in pending, 5 charges to date are sitting in pending. 

When I called their customer service ( in XXXX ) I am told that the charges are in pending because the merchant has not collected the money. That makes no sense so I asked to speak to a supervisor who kept saying the same thing. She did admit it was odd so many charges were sitting in pending when I have all my credit limit available and a credit on the account. She said they have no one to investigate this type of issue and there is nothing they can do. In the mean time no one is getting paid and I can not use the card because every charge will go to pending. If I do not get my XXXX I could die, but no one at CITI cares.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection item with Medical data systems is appearing on my credit report for which Im not responsible the debt was previously deleted in XX/XX/3018 at which time it was being reported by a XXXX XXXX XXXX XXXX and has now reappeared with a different collection number I have never had and contract or contact from the new collection company and the address they report has never been my address I have never lived at XXXX XXXX XXXX ln The debt was previously disputed and removed from file and should be removed again as the company had not provided an itemized bill or proof of service or contract to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have included documentation. The inquiries from this company were not authorized.
Product: Checking or savings account

Mon, XX/XX/XXXX, XXXX XXXX, I received an email saying " You're in! '' as an account was created in my name and with my email. 

Mon, XX/XX/XXXX, XXXX XXXX I received an email saying my phone number has been updated to ( XXXX ) XXXX, which I am including here because it is not my phone number. I do not know whose phone number this is. 

Tue, XX/XX/XXXX, XXXX XXXX I attempted to chat with MoneyLion to resolve the issue, but they need personal information and I 1 ) do not want to share any with them and 2 ) will not have the details the fraudulent opener used Tue, XX/XX/XXXX, I called MoneyLion and verified that someone else has opened the account in my name. They only used my first name and my email address, but the phone number and SSN are different. MoneyLion says they will send to their fraud department and follow up with me in 5-7 business days.
Product: Credit reporting or other personal consumer reports

I paid the XXXX account through XXXX and received a settlement letter. However, the XXXX hasn't updated the correct balance. Despite confirming my XXXX balance over the phone, they keep reporting otherwise to credit bureaus. I received written confirmation of my account status. I've also disputed this issue with Experian several times, but without success.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft. There is no way that accurately investigated my file in 48 hours. They are not taking my identity theft serious if this is not corrected and properly investigated I will sue. This us unfair.