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

On XX/XX/2022 I was approved for XXXX XXXX credit card for XXXX needs issued by Comenity Bank. The card nor any mail communication have been received making it impossible for me to register online to make a payment or see my balance as a result I missed my payment. On XX/XX/XXXX I sent a personal check to the address on the XXXX website. Check has not been cleared as of XX/XX/XXXX. I called XXXX XXXX, Comenity Bank, Bread Financial customer service just to find out their phone line is down. I contacted my doctors office with a request for partial refund to cover outstanding balance on my account. My dentist was nice enough to refund more than my balance due was at that point however the refund did not go toward decreasing my balance due. Calling customer service line became my daily routine, It is still unavailable to this day. As a result my account was reported to credit bureaus causing damage to my credit at the time when I am about to close on the property. I have tried to use Easypay system, however it requires credit card number that I never received. Finally, on XX/XX/XXXX I was able to get hold on customer assistance via email I had to search for online. The representative confirmed XXXX customer service line and some website functionings are down. She was able to provide me with the account number to use to submit payment via their Easypay system, however Easypay system does not accept my payment stating an error in processing my request. At this point there are absolutely no options for me to submit my payment. Meanwhile my credit remains damaged and making me ineligible for finalizing purchase of the property.
Product: Checking or savings account

On friday XXXX I got my check deposit and since then is on hold need to pay bills and food try to call the law firm that put on hold the account no answer and didnt received any documents of this garnished try to get help to release some money to get some food and pay some bills before I get late payments and need money at this time.
Product: Debt collection

Discover has been calling me nonstop for days after telling them to stop. I explained I had a medical issue and had trouble making ONE payment that they are harassing me over. Dozens of calls and voicemails
Product: Debt collection

I have actually had this company call me repetitively and harass me the company 's name is XXXX they are A auto financing company which I unfortunately have to do business with this company is the worst company that I 've ever seen their reviews on XXXX and XXXX are horrible and I understand why I have been harassed and called countless times in a row by these people I 've also had XXXX of their supervisors call me from her actual cell phone not stating who she was They 've also send me mail stating that my account has added fees now because of not having insurance on my car which is false because my car has been insured since the beginning of the loan and full coverage like any financing company would ask for
Product: Credit card

I am filing a complaint regarding false advertising related to the XXXX XXXX and American Express ( Amex ) joint credit card program. 

Details : I have an Amex credit card that participates in the XXXX XXXX program. 
After meeting the required spending criteria, I was awarded a free night stay. 
The property I chose is on the list of properties where the award can be used ( it is not on the excluded list ). 
Despite this, XXXX is blocking my ability to book a room at this property by changing all available rooms to premium categories, which are not eligible for the free night award. 

This practice effectively makes it impossible for me to use my earned free night, rendering the promotional offer misleading. This constitutes false advertising.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act you are reporting information that is a violation of the FCRA 1681b ( a ) ( 2 ) XXXX XXXX and Experian should remove these accounts as I gave no Permission for my NON PUBLIC PERSONAL INFORMATION to be transported because I did not give anyone Instructions therefore this is violating my PRIVACY RIGHTS so remove these items from my consumer report ( s ). 


Trade - XXXX  XXXX XXXX Trade - XXXX XXXX XXXX XXXX Trade- XXXX XXXX XXXX XXXX Title 15 USC Section 602 states I have a right to privacy.

Title 15 USC Section 604 states a Credit Reporting Agency can not furnish an account without my instructions.
Product: Checking or savings account

Someone have stolen my debit card and made ATM transactions & merchant purchases. I explained to my bank that this never happened before and that I've never authorised anyone to make these transactions nor did I make these transactions myself. this is now my third time speaking with my bank and I haven't gain any real help. 

My bank denied me because " we don't have enough information '' " because you made a transaction on the same day your card was missing/stolen '' I don't understand none of these are good reasons and I responded that theft isn't planned. Plus I didn't make these transactions. 

( 6 transactions ) XX/XX/2022{$500.00} ATM XX/XX/2022 {$500.00} ATM XX/XX/2022 {$500.00} ATM, {$450.00} XXXX, {$290.00} XXXX, {$48.00} XXXX XXXX XXXX Total : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge nor items. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX, AR XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, AR XXXX XX/XX/2022 ; XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX Balance : {$740.00} ; XXXX XXXX  XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) I48243O1****Balance : {$750.00} ; XXXX XXXX Balance : {$0.00} ; XXXX/XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$750.00}.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a discrepancy in my consumer credit report that I have noticed across the major credit reporting agencies. Recently, three accounts have been successfully removed from my XXXX credit report. However, as of this writing, these same accounts have not been removed from my TransUnion and XXXX reports. 

The accounts that have been removed from my XXXX report are as follows : XXXX XXXX XXXX 
Account number : XXXX XXXX Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX The accuracy and timeliness of my credit report information are of the utmost importance to me. Having inconsistent information across different credit reporting agencies can negatively impact my credit standing and any financial opportunities that may arise. I am kindly requesting that TransUnion and XXXX update their records to reflect the changes made by XXXX. 

Please find attached the documentation from XXXX that confirms the removal of these XXXX accounts from my credit report. I trust that this will assist in expediting the necessary updates. 

Thank you for your immediate attention to this matter. I look forward to your confirmation once the updates have been made
Product: Credit reporting or other personal consumer reports

XXXX and Equifax have not removed inaccurate data/inquiries from my account due to fraud. FTC Complaints made also. 

Can you please remove the following inquires below from XXXX, Equifax reports I have hired a professional company however the credit agencies are not compliant. 

XXXX : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax : EQUIFAX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Debt collection

Collection Company : XXXX XXXX XXXX XXXX XXXX. 
Website : XXXX Amount : XXXX Date on Notice : XX/XX/XXXX A company by the name of XXXX XXXX XXXX XXXX XXXX has sent an order of wage withholding to my employer on a debt that is past the statute of limitations in the state where I reside and the state where the debt was originally incurred. 

I am a resident of Kansas which has a 3 year limit on how long a company can attempt to use legal means to collect a debt. The last payment made on this debt was in XXXX. 

I have informed the company in writing and over the phone of this and also informed them not to call my place of employment. 

They continued to call my place of employment and today I received the notice of wage withholding.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXXXXXX regarding their obvious disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has severely damaged my credit score and financial standing. This has caused me significant hardship, including difficulties in obtaining credit, higher interest rates, and considerable stress and frustration. The irresponsible actions of XXXX XXXX have resulted in undue harm to my financial reputation and stability. 
XXXX XXXX XXXXXXXX Balance Owed : {$450.00}
Product: Credit reporting or other personal consumer reports

What happened : I am a victim of identity theft with fraudulent charges collections and accounts that have been either open and or closed on my reporting FICO consumer credit report This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that all three credit bureaus XXXX credit reporting agency equitably and experienced 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 consist of a mobile account XXXX XXXX  XXXX XXXX XXXX under the account number XXXX an auto loan account opened at bridgecrest on XX/XX/XXXX account number XXXX personal loan account opened at XXXX XXXX XXXX XXXX XXXX account number XXXX a credit card account opened XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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 # XXXX as proof from the XXXX 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

Capital One Bank USA XXXXXX/XX/XXXX and XXXX Inaccurate information on XXXX inquiries
Product: Credit reporting

There are several credit card accounts on my credit report that do not belong to me. Based off of my credit report, it says that I am an authorized user on XXXX credit cards that do not belong to me. 

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

I ended service with XXXX XXXX in XX/XX/XXXX and switched to another service provider with no balance owed to XXXX. After switching, XXXX continued to bill my account with no data plan in place, no phone service and no notice of the continued billing. The balance appeared on my credit report over a year later in XXXX as a collection and I have disputed the account several times with the company and received successful deletion, but the account has in turn, been sold to at least 2 different collection agencies and constantly appears on my credit report and affects my score negatively. It is now being reported by XXXX XXXX XXXX with a balance of {$3500.00} reporting as XXXX  XX/XX/XXXX as if it is a new debt and has been negativelyaffecting mycredit score. Please investigate this account and provide accurate information that will stop this fromhappening anylonger. I have requested information from XXXX and they have not furnished any proof of the debt owed because I do not owe the debt and the information being reported is inaccurateand illegal.
Product: Payday loan

The loan i have was for {$600.00} and I recently defaulted on my loan. The finance charge that I received was for {$500.00} and the ending amount that they said I would end up paying is {$1100.00}. I have already paid them {$390.00} and the letter that they sent me states I have an owing balance of {$460.00}. They sent my job a wage garnishment letter stating that I owe {$920.00} which my job signed and I am now being garnished. When I called today that amount has increased to {$990.00}. They have already received {$100.00} from me already through my wage garnishement so I do n't understand how I owe them this much when I have already paid half of this loan down. They are still charging me fees and interest after they claim that took me to court to get the amount of this {$920.00} that they say I owe but I know that amount is way too high.
Product: Mortgage

Novad stated in a recent complaint that it is beyond there control and in the hands of HUD. This is not an accurate statement. As I was informed on XX/XX/XXXX via phone by a NOVAD representative that the title was being reviewed by an attorney, HUD completed review in XX/XX/XXXX.
Product: Credit card or prepaid card

The XXXX took {$50000.00} of my money across multiple credit cards in 2019, didnt deliver the product or service and have been leading me on for nearly 3 years to resolve it producing false promises to pay me back. The card companies will not help me saying it is out of their allowed time frame but Ive been trying to fight it for nearly 3 years.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than XXXX business days after the date of receipt. These accounts should not be furnished on my consumer report as they are in XXXX! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
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 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 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 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 is my XXXX complaint against Equifax in reference to the following fraudulent accounts that do not belong to me : XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX, XXXX, XXXX : XXXX and XXXX XXXX XXXX. In my previous XXXX complaints, I attached supporting documentation which included my incarceration date and a letter from XXXX XXXX for proof that I am not liable for the accounts. Equifax has refused to review or accept the documentation as proof, I am not liable for the accounts. The documentation is proof that I am not liable for the accounts and they do not belong to me. Someone stole my identity and opened the accounts. I am a victim of identity theft.
Product: Debt collection

The following company has listed a debt on my credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. Further as is required by the FDCPA this organization never sent me proper notice such allegations of owing a debt were being claimed much less an opportunity to remedy the issue with them where I would have requested a valid proof of claim and notarized affidavit swearing to the fact that this company and I ever met or agreed to do business or that I ever acknowledged an alleged debts was owed by me to this unknown party known by me only according to my credit reports as HAUGE ASSOCIATES Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : XXXX/XXXX XXXX  Original Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$290.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$420.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes - reinvestigation in progress, Consumer disputes this account information This is fraud as no offer of contract was ever presented nor considered or accepted by me and no equal value was ever exchanged by this organization to me warranting performance in the form of payment of a contact that has never existed between this party and I.
Product: Debt collection

My issue is about the time giving me XXXX XXXX XXXX to making the loan Payment was to early to provide making payments in the period stablish. I was continued study my XXXX XXXX on that time, I m Submiting the student Loan on XX/XX/2012 at XXXX XXXX XXXX. 
I am a Graduated from XXXX XXXX XXXX for a XXXX degree XXXX XXXX  XXXX on XXXX XXXX. 
My university completed and send the defertment Disclousure at the time requested by XXXX XXXX office, also maintain comunication by Phone calls. I Feel there was a ilegal management about my account, because XXXX XXXX XXXX sale my account to EOS CCA Collector Agency, without any agreetment or payment option to me. 
My credict History is actually it been Damage by XXXX XXXX XXXX and without the posibility to request financial support to other banks or to receive beneficts an services. 
Customer have the rights to have good credict by the credict fair Law. 
I hope that your investigation finding are positive in response to this issue. 
Thanks, Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Experian and XXXX Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX Balance Owed : {$3700.00}.
Product: Debt collection

They are calling my employer often, and asking for my " where Abouts '' They claim they are going to have me arrested, or sue me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report # XXXX for XX/XX/18. Account Name : XXXX XXXX XXXX. Account # XXXX. Date Opened : XX/XX/2009. Payment status : Account transferred to another office. Creditor contact Information : XXXX XXXX XXXX XXXX, IN XXXX. Phone number XXXX. Experian is reporting this account as " unknown '' in my credit file. This contradicts the payment status listed as " account transferred to another office. '' Experian very well knows a transferred account is considered a closed account. Experian also knows that a " transferred '' status is considered final, meaning the account is no longer active. The term " closed '' is used to describe revolving accounts, such as credit cards, that are no longer available for charges, so it would not apply to student loans, which are installment accounts. This is an education loan, thus the term " closed '' does not apply. The " terms '' for this account is also reported as " unknown '' which is incorrect. As you can see, Experian is not reporting this account 100 % accurate. This account is current and the payment status should reflect accurate information. Furthermore, this account was transferred more than seven ( 7 ) years ago and should be deleted immediately. A reinvestigation for this account is requested. Please provide the method of verification and the source which verifies the information. I have attached a copy of my Experian credit file with the errors highlighted.