23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account with XXXX XXXXXXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX  XXXX opened on XX/XX/XXXX, another credit card account with XXXX XXXXXXXX opened on XX/XX/XXXX, a credit card account with XXXX XXXXXXXX XXXX opened on XX/XX/XXXX, a credit card account with XXXX opened on XX/XX/XXXX, a financial account XXXX XXXX of XXXX XXXXpened XXXX XX/XX/XXXX, a collection account with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, and unauthorized hard inquiries from XXXX Card on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have had a citi|best buy credit card since XXXX. I would occasionally make purchases because of the attractive 0 % for 6 or 12 month option. In XXXX I received a credit to my account for approximately {$400.00} and when I called was told that this was a refund due to an issue with some form of debt protection service. I have been a XXXX  XXXX my entire adult life so my initial ( nave ) thought was that it mistakenly got put onto my account & that they recognized the error and corrected it. Today XX/XX/XXXX I was checking my balance and found that my balance had not decreased in the correct amount. After reviewing, I found that there was a consistent charge that has been applied for the last 5 months labeled " credit life insurance fee ''. 5 months is all that I can review, I have no idea how long this fee has actually been effecting my account. I have NEVER opted in for any add on 's such as credit life insurance, or payment protection of any kind. What Citi is doing Is pure FRAUD. Consumers need to beware this company will go to any extent to make dime. I contacted citi and they said that " they cancelled the coverage & will review my account for a refund '' They told me that I will either see the credit to my account or receive a mailer in 30 days. After researching online it appears that this is there typical response, I have not read one situation where they refunded the fraudulent fee 's. It is completely asinine that this company is still allowed to operate this is a complete scam.
Product: Credit card

I have been on time for over a year and a half and the late payments stated is effecting my approval rates for loans and credit cards so it is in my best interest to have it removed.
Product: Credit reporting or other personal consumer reports

I am attaching FTC report containing 5 fraudulent accounts as well as fraudulent inquiries. I figured its time to buy a home and upon pulling my credit report I noticed all this fraudulent activity which is slowing the process of me purchasing a home for my family.
Product: Debt collection

Disregard of a cease and desist order On XX/XX/2020 at approximately XXXX hours I XXXX XXXX, informed XXXX, phone representative, of Transworld systems IncXXXX, to cease and desist from calling my cell phone and if they call my cell phone number again an official formal complaint will be launched against their company, she acknowledged by saying yes she understands however, she disregarded the notice by stating that there is no guarantee that I still would not receive any calls. 

At this point I restated my cease and desist demand and she acknowledge and state yes she understands however she continued and said, " Unless there is another phone number. '' I quickly restated my demand and asked if she understood what I just said and she said yes. 

And her response was, " unless there's another number, '' " I'm just asking is there another number? '' I restated an asked if she understood what I just said and she said yes sir.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the FCRA convergent account below has violated my rights In accordance 16 USC 1681 Section 1602 A states I have the right to privacy.

16 USC 1861b Section 2 also states : A consum
er reporting agency can not furnish a account without written instructions. 

XX/XX/XXXX XXXX XXXX XXXX Partial Acct XXXX {$1800.00} XX/XX/XXXX XXXX XXXXXXXX Acct XXXX XXXX {$110.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$0.00} ( 3 Entries ) XX/XX/XXXX XXXX XXXX Acct. XXXX ... {$1300.00} XX/XX/XXXX XXXX XXXX XXXX Acct. XXXX {$4400.00} XX/XX/XXXX XXXXXXXX XXXX XXXX Acct. XXXX {$240.00} XX/XX/XXXX XXXX XXXX XXXX GA XXXX ID # XXXX XX/XX/XXXX XXXX XXXX  Acct. XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX Acct. XXXX {$78.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$200.00} XX/XX/XXXX XXXX XXXX Acct. XXXX {$860.00}
Product: Debt collection

I never received any documentation that I had a bill past due because I had paid all closed accounts to my knowledge. The collection agency provided me with an incorrect number so when I contacted the creditor directly they saw me as owing nothing by my social security number. I called the collection agency back and told them I have no accounts with the number they gave me and they said my account was with THEM. I told them I wasn't going to pay them without proof from the original creditor that I still owe them. I finally got the correct account number for the closed account and paid the bill. 
I received an alert from XXXX the next day that the collection agency had posted a collections account on my file. I immediately disputed and provided documentation such as receipt and proof of cleared payment from my credit card company, but they still won't remove it from my credit report. It was a retaliatory action. I want them to remove this inaccurate information that caused my credit score to go down by XXXX points OVERNIGHT. That put my job at risk as I need to maintain good credit. I want them held liable and responsible and to remove this negative action from my credit report.
Product: Credit reporting or other personal consumer reports

I logged in to my online banking application and discovered a strange credit account has been added to my existing checking account with a notification message about a credit card expected delivery date to an address which is different from my correct address that I never ordered or authorized. 
Upon discovering this issue, I immediately contacted my bank, XXXX XXXX XXXXXXXX, which on XX/XX/year>, to investigate the matter. They confirmed that the transaction in question was fraudulent and unrelated to my financial history and the account was deleted off my online banking account .I also noticed additional address, email address and phone number was added to my profile which after reporting this issue, I deleted them and updated my profile. 
I was not aware or informed that I needed to contact the credit bureau until I found out about the negative impact this activity has had on my credit report on XX/XX/year> via a credit report screening check that was carried out by a company I applied to for a job. On this same date, I contacted XXXX XXXX XXXXXXXX again and notified them about this impact and I was told to call a credit report agency which prompted me to call TransUnion to dispute the charge and initiate the necessary corrections and deletion. TransUnion agreed to make these changes after I answered and confirmed questions regarding my personal information, though the process may take up to 30 days. 

Additionally, I contacted the Social Security Office to report this fraudulent activity and ensure no further misuse of my information occurs.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only way to protect myself after the XXXX breach is to place a credit freeze. It is absurd that the XXXX major credit reporting agencies are allowed to charge money to initiate these freezes. There is no way to opt out of their data collection, they obviously can not keep that data secure, and they want me to pay my hard earned paycheck to each time I need to freeze ( and each time to unfreeze ) my information.
Product: Debt collection

I have already tried disputing this charge with the company and I have filed a complaint with CFPB. CFPB closed the case stating the company does not recognize their customer. I'm attaching an image of my XXXX XXXX account that is showing this account in collections. I suspect Credit Collection Services has bad practices. If they do not recognize me, then could they remove the debt? This company is causing me inconvenience and hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with the credit bureaus that inaccurate information reporting on my credit report. I have not heard anything regarding the status of the investigation from the credit bureaus. There is inaccurate reporting on my credit report from the same creditor and I'm unsure why there will be so much inaccuracy from the same creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

This item Account paid in Full ; was a Charge-off reported by XXXX XXXX XXXX # XXXX is inaccurate and incorrect as you can see on the attached letter dated X/XX/2016 which states : XXXX XXXX XXXX XXXX. recognizes the above referenced account as paid in full on X/XX/2016 The information on my credit report is inaccurately stated and reported by XXXX XXXX XXXX, proof of which is the attached letter sent by said bank regarding my account. 

The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the account be removed. 

Enclosed are copies of the later dated X/XX/2016 by XXXX XXXX XXXX details supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX Attachments : - Item Being disputed ( Transunion ) - Item Being disputed ( XXXX ) - Letter by XXXX XXXX XXXX dated X/XX/2016
Product: Debt collection

Midland credit Management is attempting to collect a debt that I do not owe them. It specifically says debt buyer on my credit report, which means they purchased my personal information without my consent or knowledge which is considered identity theft. 15usc 1681e ( b ) suggests i should have maximum accuracy over my credit report and the things that they are reporting. They can not provide a binding contract between myself and Midland saying I agree to do business with them or owe them anything. Them providing copies from the original creditor is not proof I owe Midland. According to the Constitution, the only way you can pay a debit is with silver and gold! Everything they are reporting does not meet the FCRA 15usc 1692 g.
Product: Credit reporting or other personal consumer reports

The failure to accurately report my credit information is a violation of the Fair Credit Reporting Act ( FCRA ) and is unfairly damaging my creditworthiness. I have included supporting documentation for your review. 

I kindly request the CFPB to investigate this matter and take the necessary actions to ensure that the credit reporting agencies correct these inaccuracies promptly. The ongoing errors in my credit report are unjustly penalizing me, and I seek your assistance to rectify this situation. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in the late XX/XX/XXXX 's earlyXX/XX/XXXX 's I took out loans in the amount of roughly {$13000.00}, then in the late XX/XX/XXXX 's I was contacted by the agency to inform me that I was in danger of defaulting. I was told what I owed at the time and the figures didn't sound right. I was sceptical because I recall that I had only borrowed a little over {$13000.00}, I expressed my concerns because I had been a victim of identity theft. I was told to just do the consolidation to keep from going into default and sort it out later. I haven't been able to sort anything out, since then thousands of dollars have been added to my balance, I have made numerous calls to find out why my balance was increasing but instead of giving an answer I have been bounced from one place to the other. I was told that it must be interest. Then all of a sudden I am told that {$43.00} of compounded interest had been added to my account. Now my balance is over XXXX dollars. For years I have been trying to resolve this all the while not being able to qualify for loans that I've needed, I have had to go to numerous payday lenders and poor credit lenders because I'm told my debt to income ratio is too high. This has caused a severe amount of stress to me, I have also started a small business but do not qualify for any lending products. This is affecting my credit very negatively.
Product: Credit card or prepaid card

I had my identity stolen. The person who stole my wallet was a XXXX XXXX XXXX male. He went to Macy 's on XX/XX/2022 and tried to open a credit card in my name. The cashier took my license and never said anything that a male with a bald head was standing in front of her applying for a credit card. He looks like nothing me. Thank goodness the application was denied but shame on the cashier for taking the application when it was not the person standing in front of her. this is what stores do their employees. they put so much pressure on them to get sales and credit cards, that they don't care whose life they are hurting.
Product: Credit reporting, credit repair services, or other personal consumer reports

LJ Ross Associates are furnishing inaccurate and incorrect information to the consumer reporting agencies.15 USC 1681 s-2 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 or other personal consumer reports

I requested my information and I have yet to receive anything. 

Please have this company upload the following documentation. 

Last XXXX  months of my billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E. allocation of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a veteran who was being treated at the XXXX XXXX XXXX XXXX in XXXX, Massachusetts ; the VA found it necessary to transfer me to a private hospital. The VA called XXXX XXXX XXXX XXXX XXXX to transport me to XXXX XXXX in XXXX, less than 4 miles away I will add, and apparently XXXX charged {$4300.00} for that ride ( I ought to challenge the outrageous bill as well, as no medical services were rendered, merely a 3.7 mile ride ). The VA covered my hospital stay, and should have covered my ambulance ride. XXXX XXXX XXXX ought to have billed the Dept. of Veterans Affairs ; notwithstanding, the VA is responsible for this bill, not me. 
Meanwhile, it has gone into Collections via XXXX XXXX XXXX - XXXX XXXX   XXXX XXXX  XXXX - XXXX, MA XXXX XXXX for {$4300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my FTC report to Equifax on more than one occassion. Per my attached document of my FTC report you will see that this was done on XXXX, todays date is XXXX and i am still making the same claim. which is more proof than enough thatEquifax has failed to honor my rights as i have asserted them on more than one occassion. I have contacted them via phone as well mail. i have proof via usps that shows thatEquifax has in fact received my disputes along with my identity theft reports. I have been a victim of identity theft and there has been unauthorized usage of my social security number and my information XXXX XXXX inqury are violation my rights, XXXX, XXXX XXXX, XXXX and XXXX XXXX are violating my rights. The companies listed do not have authorized use of my social security number amongst the credit reporting agencies ( equifax, XXXX and XXXX  ). I have in fact been a victim of the equifax security breach as well as the XXXX data breach which they too did not have authorize use of my social security. Now i am living my life in fear and in default because of someone else and there hiccups. i have made numerous attempts to get Equifax n to ratify this and honor my rights as a consumer which has been avoided. the said items within this complaint cfpb i would like for you to have Equifax do their job and block and delete these items from my credit report. they are causing me unspeakable harm. at my age i want to relax and live out my days vs of being in fear of being a captive because someone has my information and is using is without authorization
Product: Mortgage

For ten years I have been paying on this line of credit. I have beenpaying the required interest and making an additional payment onprinciple. Bank of America is now changing the terms to repayment over180 months at {$1100.00}. Which is over twice my current payment. On mySocial Security income will be impossible.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that there were fraudulent accounts and inquiries on my credit report.
Product: Debt collection

GM financial has REFUSED to VALIDATE the repossession. Please see attached CERTIFIED letters. 

It's been over 90 days. 

This repossession was illegal therefore this should be removed from my credit report. 

They 1. Ignored me for 60 days. 
Then 2. Sent me the LOAN DOCUMENTS. 

I asked for the STATE AND FEDERAL NOTIFICATION LETTERS needed in order to LEGALLY repossession vehicle.
Product: Credit reporting or other personal consumer reports

Please block and remove the following accounts Due to XXXX data breach. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau Equifax and XXXX have the wrong social security number for my identity listed on their account. I've worked with them to change it, and I've mailed letters with the necessary information to change it. However every couple of months, they revert back to the incorrect number.
Product: Checking or savings account

On XX/XX/year> at approximately XXXX I attempted to deposit {$950.00} cash into my USAA XXXX account at a XXXX ATM located at XXXX XXXX XXXX XXXX KY. I had made deposits and withdrawals at this ATM into my USAA account before but this time was different. After the cash was put into the ATM I received the error " Your card can not be used at this ATM. Please use another card. '' The ATM at this point attempted to refund my cash but was unable to do so. I instead received a receipt which is attached proving my attempted deposit. I have contacted both XXXX and USAA multiple times and each time they tell me they can not do anything and to contact the other bank. This situation leaves me with no other option but to get a higher authority involved to resolve this situation. Please help, thank you.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX I check my credit report with XXXX, XXXX and Experian and there is unauthorize hard inquiries from XXXX. 
There is also 9 hard unauthorize inquiries on XXXX and 13 hard inquiries on XXXX and 4 on Experian. 

I have been disputing with Experian, XXXX and XXXX but credit reporting agencies refuses to delete all unauthorize hard inquiries from my credit reports. 

I am XXXX XXXX, XXXX.
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX