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

This is my seven endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I paid off the balance to National Credit Systems. When the item was placed on my credit in 2016, I was not aware of this debt or this collection agency. I told them this was unfair because I had not been contacted by them or even been given a chance to correct the issues before being put on my credit report. XXXX, the company representative stated that it would be removed from my report when paid in full. I paid the balance in full. However, it is still on my credit reports - all 3 bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) this inquiry was not authorized. and doesnt belong to me. Please remove immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and to request an immediate investigation into the fraudulent activities associated with my personal information, SSN. The accounts listed in the affidavit are fraudulent. I have not authorized these derogatory and erroneous accounts, which are the result of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My personal information has been exploited by a scammer for financial gain. I am seeking your assistance in conducting a thorough investigation and taking prompt action to rectify this matter. Upon discovering the unauthorized activity and receiving related mail, I took immediate steps to protect my credit files and identity to prevent further damage. The FTC Identity Theft Report is the primary document that I have for the fraudulent information on my credit reports. I Will be Going Legal.

Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ), I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to aid in the investigation of the identity theft. I need to know how the credit reporting bureau verified my identity in this instance. I am requesting copies of the original ( wet ink ) signature applications and any proof used to verify my identity. I have repeatedly explained that I did NOT authorize nor am I responsible for this derogatory, erroneous accounts : XXXXXXXX XXXX XXXX XXXX XXXXXXXX : Balance : {$16000.00} : Date Opened : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX : # XXXX : Balance : {$4100.00} : Date Opened : XXXX XXXX, XXXX The accounts were opened without my consent, I have never authorized any agreements. The presence of the fraudulent accounts on my credit report is unacceptable. I am concerned about the negative impact the unauthorized account has had on my credit report and overall financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying a ATV for summer fun. As I was looking for the one I liked the sales woman that was helping with the process told me she needed to check my credit to make sure I qualified. When she got my report back she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX  XXXX  XXXX {$810.00} XXXX XXXX  XXXX {$500.00}
Product: Checking or savings account

I deposited a check on XX/XX/2022 at XXXX pm my receipt said available XX/XX/2022 at XXXX am on XX/XX/2022 at XXXX I received a email say it was an additional hold until XX/XX/2022 at XXXX so I called corporate off and informed them my mother was sick and needed some funds to get a bus ticket and hotel for two nights and they said theres nothing they can do for me my check was XXXX the bank acting manager told me she had the authority to release the funds but she was uncomfortable doing so and the bank said the federal reserve put the additional hold on my check and there was nothing anyone could do just keep check my account cause it can be released at any time
Product: Credit card or prepaid card

I apply at XXXX XXXX for a XXXX XXXX  XXXX. I added my mother as a authorized user in case she needed a repair .Ive had the card for 3yrs and never missed a payment and paid off early and asked them to keep the card open and they agreed. Then 2 weeks later I receive a email from XXXX XXXX that the account was closed. I called them and said that I wanted it left open. They sent me out another card for the inconvenience which wasn't activated due to company closing that one. 

I called back and they said it was closed for fraud, however in the meantime, I started paying off a few more accounts linked to this bank and as soon as I paid them off they close them as well. 

They verified that I opened them in my name with my info and I never missed a payment and there wasn't a issue for over 3 yrs and now they are trying to close them all. They said they received a email from XXXX  concerning my mom and it say to notify my sister to handle all of my moms credit stuff which she hasn't been around our family until our Dad pass away. And this isn't my Moms account, its mine, she was just a authorized user on MY account. My moms memory isn't the best and se has early stages of XXXX as well. 

They just transfer me to the Fraud Dept and that Dept. will not tell me whats going on. 

I have been upfront about everything, if I'm a fraud victim, I have the right to know, instead of being treated like a criminal. If its about my mom being on there, that's not fraud. I just added her in case she needed a way to get a tire fixed and I would take care of it instead of her paying. 

It was my info that was used to open this account. My mom was added as a authorized user with her name only. 

For 3 years, I check my balance and pay my bill by calling in using my SSN # and birthdate to pay and check my balance. Until someone tells me the truth, I will not pay them another dime until I speak to someone and find out the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified erroneous tradeline listed by XXXX XXXX XXXX still remain on my credit report in violation of Federal Law. XXXX XXXX XXXX is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the result of XXXX XXXX XXXX first investigation and subsequent reinvestigations, they stated in writing that this account in question was verified that this tradeline was being reported correctly! Who verified this accounts? XXXX XXXX XXXX has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA XXXX XXXX XXXX is required to promptly DELETE all information which can not be verified. In XX/XX/XXXX correspondence from XXXX XXXX XXXX stated that " we are obligated to report accurate information to the consumer reporting agencies ''. In your XX/XX/XXXX letter XXXX XXXX stated that my account had been VERIFIED. In XX/XX/XXXX, I requested the method of how such verification was done and none was provided! I am attaching a letter from XXXX XXXX dated XX/XX/XXXX, in which XXXX XXXX XXXX states clearly on behalf of XXXX XXXX that " we are unable to provide you with a copy of a signed contract ''. Of course, they don't have a signed contract because I NEVER had any debt with your company!
Product: Credit reporting, credit repair services, or other personal consumer reports

There recently was a large security breach at Equifax. From my understanding, intruders accessed names, social security numbers, birth dates, addresses, and driver license numbers of those who used their service from midXXXX through XXXX of XXXX. I have been looking for a home in the past 3 months and in order to be approved for a loan, have had my credit pulled. Being a first time home owner has been stressful and exciting but learning that I may be at risk of identity theft has put a large cloud over the experience. Furthermore, I may be at risk for identity theft for my entire life with this information stolen.
Product: Debt collection

They called me none stop and most of the time. They call will talk and drop. CSI called like crazy morning to night
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/21 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile XXXX XXXXXXXX
Product: Credit card or prepaid card

Today, XX/XX/XXXX, I attempted to use my Citibank credit card that I have had since XXXX and it was declined. I spent 3 hours+ on the phone with three different people at Citibank , trying to get an explanation. My account was suddenly closed today, with no warning, and all they would tell me is that I would be receiving a letter to explain why. That's it. 
I verified that they had received my most recent payments of {$500.00} each on XXXX and XX/XX/XXXX, so it was not due to nonpayment on the account. I went online to their site and found returned check fees of {$35.00} each on XXXX, twice on XXXX, XXXX, twice on XXXX, and again on XX/XX/XXXX. I had maintained autopay for years for this account but by my records, I had called and cancelled autopay on XXXX. I had been a victim of identity theft on XX/XX/XXXX and the account the autopay was deducted from was frozen at that time. Therefore, I cancelled the autopay and used the Bill Pay feature at my bank to make the payments. Citibank says the autopay was never cancelled. While I was on the phone, and was looking at my account online, it said it was cancelled, however, the last representative I spoke to said he was " cancelling it now/it was scheduled for XXXX ''. I feel like Citibank is defrauding consumers and I want these charges removed from my account. I'll accept the account being closed, because even though I have been a loyal customer since XX/XX/XXXX, I am done with them after how they have mishandled my account. 
Thank you.
Product: Credit card

I contacted Synchrony Bank because I noticed all of my credit cards were closed without my requesting it and without my knowledge. The representative on the phone advised me that my accounts were closed due to me being high risk for paying them back. I had a JCPenney card with a {$500.00} limit that was paid off in full. I have had this card since XXXX and have not had any issues paying. I had an XXXX credit card with a limit of {$3900.00} that was completely paid off and I have not had any issues paying. The XXXX card was open since XXXX. Lastly, I had a Mattress Firm credit card that had a limit of {$8000.00}, my current balance due on it is {$3900.00} because I am paying off a mattress that I purchased last year. I have paid as agreed every month and I have always paid on time and paid early. My credit score was in the XXXX. I see no reason for them to assume I am high risk and to cancel my accounts. My concern is that this will cause my credit score to fall due to them canceling all my cards, particularly the card I have had open since XXXX. I do not understand how I can suddenly be a high risk customer after 19 years of paying them on time.
Product: Debt collection

I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to dispute certain items on my credit report that are inaccurately reported. I want to bring to your attention that both XXXX and XXXX have already removed these accounts from their records, recognizing an error in the information. The following accounts are in question : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I find it perplexing that your bureau has verified these accounts while the other major credit bureaus have acknowledged the error and removed them. This inconsistency raises concerns about the accuracy and reliability of the information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts by comenity bankXXXX XXXX XXXX account # XXXX home part account # XXXX is being reported by comenity bank as accounts that under a new contact, with old accounts back grounds.no court or attorney has contacted me of any such change, that would allowed comenity bank to change the accounts numbers, the back grounds remains of the accounts being federal law forgiven, the report of non allowed fees, interest, to those accounts, any thing comenity bank care to added to the accounts that's closed and federal law forgiven, is against the law.and the whole account should be removed off the credit reporting bureau 's XXXX and XXXX XXXX.now.documents ofthe credit reports , statements of old accounts, letters from comenity bank about the accounts, has been sent by ups with this ID complaint number on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  have held incorrect information on my credit report due to identity theft and I am unable to contact anyone or login to their website it has been stuck for almost a year with either them hanging up on me on the phone and no response from email by anyone. I have letters to serve them with and no body seems willing to help and it has put me in severe financial distress due to having these incorrect things on my credit I've been denied bank accounts home loans and being able to even get a car. Basically almost crippled my XXXX.
Product: Credit reporting

I have contacted the original creditor as well as Equifax numerous times by both US postal mail as well as telephone to report that this account is erroneously being reported twice on my credit report. I have received no resolution and this account continues to damage my credit report. 
The account in question is : XXXX
Product: Student loan

I signed up for income-based repayment and have provided all the necessary information. I have been on a salary for 5 plus years and nothing has changed, yet they increase my payment every three months. Navient will not work with me and will not listen to when I  tell them just because I am a business owner, my K1 form for taxable income for a business profit IS NOT income that I actually receive I just have to pay the taxes on it. Then one loan with the co-signer ( XXXX XXXX ) filed bankruptcy and in her bankruptcy paperwork, it had navient in there as one of the loans that would be paid off through payments received from bankruptcy. Navient repeatedly incorrectly applied those payments to my other loan that she was not the cosigner on. The bankruptcy paperwork indicated that it would pay that loan off in full and it did not. I can not seem to make them understand that I have no change in income and that what the business makes DOES NOT change what I bring home monthly. I feel like going to college was the biggest mistake of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX    2017  faxed letter to Equifax requesting removal of bankruptcy and tax lien on credit file as  I  was not aware of the source of their information on the bankruptcy and judgement. I received a response dated   XXXX   XXXX ,2017  that  XXXX   XXXX  reported the information as discharged and that  Case  number  /   XXXX   XXXX   XXXX   XXXX   XXXX   is currently not reporting on the Equifax  credit  file in which I do not have knowledge of what that case is.   On   XXXX   XXXX  2017    I sent a reinvestigation request with a letter from Michiga n Federal Court stating they do not supply information or validate information with the  credit bureau 's. Equifax replied with the same information stating that  XXXX   XXXX  has verified the information with the courts.
Product: Checking or savings account

My account was closed by PNC Bank with assets in it and they bounced my checks and now I had a refund made by XXXX on XXXX under XXXX  XXXX and made a refund of {$270.00} to me for a missing pendant. It was done under XXXX which was issued to me by PNC. It was for {$270.00} and now XXXX said they can not issue another refund because PNC Bank received it but they kept it because they did not want my account and never indicated it when they signed me up for it. 
Could you get me my money back for the refund. I did not received a final check when it was closed or a bank statement for the month I had the account. PNC gave no reason for their sudden desire to close my account with no notice.
Product: Credit reporting or other personal consumer reports

I have many accounts with incorrect information that is affecting me a lot with late payments and reported collections that may not be mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect
Product: Checking or savings account

XXXX XXXX has billed my account wrong. My account is negative XXXX approximately. There is a discrepancy with a merchant about billing. I purchased a sneaker from XXXX  on XX/XX/year>. It was shipped on XX/XX/year>. It was taken from the account upon shipping. XX/XX/year> my account was positive XXXX. I made a purchase for XXXX. I had XXXX positive balance. I took XXXX for XXXX that left a positive balance. XX/XX/year> my account was overdrafted XXXX. I never made an overdraft purchase. I have called XXXX XXXX customer service XXXX times and the employees refused to set this straight. I have talk to regular supervisor and escalation supervisor. They are under serving me because I am XXXX. This is an easy fix. I notified the merchant their billing practice has my account over drafted. They did make a record of the mishap. I am tired of talking to the XXXX XXXX employees. They are poorly XXXX, XXXX, XXXX XXXX. They have continued to gas light me and talk in circles. This is a problem. I have not over drafted my account this early in the month. Now I don't have emergency money. I am XXXX. I have no one to depend on. I have a service animal. I have asked for an XXXX and they refuse to put me thru. I keep getting female employees who insist on gas lighting and playing stupid, talking in circles and being really condescending. I want this taken care of in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$120.00} on the XXXX of each month for a service that I was told that I needed. I even paid an initial fee to get it started up. The last date I paid was XXXX. I was told I needed to have the service for a couple of months before my credit improved and it never did. I was also lied to about the services that Lexington Law offered. I wanted the cheapest plan because thats all I could afford. I was told the cheapest plan was the one for {$120.00} but the cheapest plan at the time was {$89.00}. I didnt realize this until after I had paid months of {$120.00}. I spoke with another representative and he informed me of the lower plan. But I had spent so much money that I couldnt even afford at the time. I felt used and lied to about the entire situation. Trying to resolve the issue, I had no other choice but to cancel my services. I had my account since XXXX to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Capital One Credit Card. I have 3 capital one accounts. I closed the one with the highest balance and have been paying it down and making payments on time. Since I closed it Capital one has doc 'd me 40  credit points TWO times. 

This is wrong and I feel like they are punishing me for closing the account. There is nothing happening that would make my score go down 80 points. 

I am paying all of my accounts on time and am paying more on everything that I own. 

Capital One needs to this fix this but when I call its over an hour wait so I am thinking this happened to more people than me.
Product: Credit reporting or other personal consumer reports

I have contacted and disputed multiple times with XXXX XXXX XXXX and they have continuously violated my consumer rights. They continuously report on my credit report without ever putting my account into dispute status, also not properly verifying the account per the FCRA. This account has continuously been verified without providing any method of verification. Now, I have disputed once again through the XXXX  and they have responded that they my account has been recalled by the original creditor, meaning that they no longer have my account and shouldnt be trying to coooect anything from me nor should they be reporting on my credit report but yet they still remain on my credit report and are still reporting. I demand that this account be deleted IMMEDIATELY. I have attached the necessary documentation to back my claim and also the response from XXXX XXXX XXXX 

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

I recently obtained a copy of my consumer report and noticed an authorized inquiry from UNITED AUTO CREDIT CO on XX/XX/2024