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

I have contacted XXXX XXXX XXXX  customer service and was inform they was not able to provide information about the unauthorized inquiry on XX/XX/2017 And did not have a application for credit on file.
Product: Credit reporting or other personal consumer reports

My credit report is falsely showing I have late payments on my credit report and that is not right here is a list of the late payments that are falsely showing on my credit report XXXX bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was never late on these dates and this needs to be updated to paid/current JPMCB Account shows that I have late payments on dates XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX and that is fraudulent information I have not been late off any of these payments and I would like my credit report to be updated immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has issued Credit Reports for my SS # under the incorrect name of XXXX XXXX XXXX since the XXXX 's and after my repeated requests, has not corrected their misinformation. 
Therefore, I mailed a request to the company to include on the Credit Report for XXXX XXXX XXXX statement : Re : Social Security # XXXX Equifax erroneously lists XXXX XXXX on Credit Reports it issues regarding the Social Security Number XXXX as the name of the holder of this SS #. The true holder of this SS # is XXXX XXXX XXXX, aka, XXXX XXXX XXXX, XXXX. 
Since the XXXX 's Equifax has been reporting for this SS # the erroneous name XXXX XXXX and also accompanying erroneous credit information, despite requests that this information be corrected. 
There is no one in the SS # holders family by the name of XXXX XXXX, and no such person or entity is known by the SS # s holder. 
However, you can fully rely on the credit information of this SS # provided by the companies XXXX and XXXX whose information and data is up-to date and accurate. 
I am writing the CFPB to insure that Equifax complies with my legal right to have my statement added to my SS # 's Credit Report. 
I would also like noted that Equifaxs reporting this incorrect information and not correcting it is another instance of the companys incompetence, flagrantly demonstrated by its data breach in XXXX of the personal information of XXXX XXXX people.
Product: Credit reporting or other personal consumer reports

Despite many assurances that the matter would be resolved, the negative items remains on my credit report, causing significant stress and financial inconvenience. 
The persistent presence of these inaccuracies is unacceptable. They misrepresent my financial history, hinder my access to credit opportunities, and cause ongoing distress. It is imperative that this issue be escalated within your organization to ensure a thorough and expedited resolution. I require the following actions to be taken immediately : 1. Immediate Removal of Negative Items : Ensure that all disputed negative items are expunged from my credit report without further delay. Thorough Investigation : Conduct a comprehensive review to identify and address the root cause of these inaccuracies, implementing robust measures to prevent future occurrences. 2. Regular Updates : Provide timely and transparent updates regarding the progress of the investigation and the corrective actions being undertaken. Failure to resolve this issue promptly will leave me with no choice but to seek assistance from regulatory authorities and other relevant bodies to ensure compliance and protection of my consumer rights. Please help me remove these items immediately : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned because my credit reports have a discrepancy with this account. I am a very concerned consumer and do not know what is correct. If you look at the letters sent to the credit bureaus, I have highlighted all these discrepancies. 

I have been denied getting my first home because of this. I have asked them to remove this from my credit reports and they have only sent me a generic response and have not remove this from my credit report.
Product: Credit reporting or other personal consumer reports

Second Dispute of Unauthorized Late Payment Reporting for XXXX XXXX  Account ( # XXXX Dear Equifax, I am writing to formally dispute the late payment entries on my consumer credit report regarding the account XXXX XXXX  ( Account # : XXXX ). On XX/XX/XXXX, I submitted a dispute with Equifax ( Confirmation numberXXXX ) regarding one late payment recorded for XX/XX/XXXX, which I can confirm it was paid on time. Unfortunately, despite my request, your agency has failed to provide the necessary documentation to support these claims. Your response of " UPDATED '' is unsatisfactory and a clear failure to comply with my lawful request. In accordance with 15 U.S. Code 1666b, I am again requesting the following documentation : The periodic statement for each alleged late payment. The tracking number PROVING that each periodic statement was delivered to me at least 21 days before the respective payment due date. As previously stated, I expect this documentation to be provided as part of your investigation into the accuracy of this information. Equifax has failed to comply with my initial request, which was in full compliance with my rights under the Fair Credit Reporting Act ( FCRA ). 

This letter serves as a second attempt to resolve this matter and demands that you conduct a full and thorough investigation into the accuracy of these late payment entries. In accordance with Section 611 of the FCRA, your agency is required to ensure that the information in my credit report is accurate and complete to the maximum possible extent. Additionally, the reporting of this information appears to violate 15 U.S. Code 1681b ( 2 ) as it was done without my written permission. I request a copy of the written authorization bearing my wet signature that allowed this reporting. Furthermore, I affirm that I did not authorize the reporting of this information to your agency. Therefore, under Section 604 ( a ) ( 3 ) of the FCRA, I demand a thorough investigation and written confirmation that you have completed this investigation, including the names of the entities you contacted to verify the accuracy of this information.
Product: Debt collection

I went to advocate XXXX XXXX in XXXX Illinois over 3 years ago I had XXXX XXXX and gave them my card they billed my XXXX XXXX XXXX but now 3 years later I'm getting a collection I've contacted XXXX and when I did they wouldn't give me any info on who the collection was for just acted strange and wouldn't give me any details just kept repeating for me to pay it, I asked for everything in writing and the lady deliberately hung up so I did some research called XXXX Illinois they are the one who supposedly doing the collection but when I called them they had no idea about my record and told me to call hospital I went to I seen on bbb site they had a lot of fraudulent remarks of doing same to others but I know after contacting my XXXX it was paid so I feel this is all fraudulent and nobody will mail me anything or professionally talk to me
Product: Debt collection

I contacted Diversified Consultants Inc. on XXXX/XXXX/XXXX concerning a credit report account opened XXXX XXXX, XXXX for {$2200.00} by XXXX XXXX XXXX. I asked to receive validation of the debt with an original bill due to the fact I have had XXXX XXXX phone service for years now and the date they placed on my credit report was in no way accurate. The representative and her " supervisor '' told me that they do not actually have a bill and would have to request one and that the date on my credit report is not the original date but the date their company decided to put when they bought the debt. I know this to be illegal not to mention I am being refused my basic right as a consumer, being able to validate this debt with paperwork. The " supervisor '' tried to rush me off the phone saying I would be sent a bill in the mail once they tried to get it from XXXX XXXX XXXX without even having my current address. I stopped him and gave him my current address in which he stated " oh, I was just about to get that. ''
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Installment account at XXXX XXXX Bank, opened on XX/XX/XXXX, # XXXX, a personal credit card at Bank XXXX XXXX, opened on XX/XX/XXXX, # XXXX, a personal credit card at XXXX XXXXXXXX, opened on XX/XX/XXXX, # XXXX, a personal credit card at XXXX XXXX XXXX XXXX on XX/XX/XXXX, # XXXX, a personal credit card at Grain XXXX XXXX XXXX XXXX on XX/XX/XXXX, # XXXX, a secured credit card at XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX, # XXXX, an account at XXXX. XXXX XXXX, opened on XX/XX/XXXX, # XXXX, an auto loan at XXXX XXXX XXXX, opened on XX/XX/XXXX, # XXXX, and an open account at XXXX XXXX XXXX, opened on XX/XX/XXXX, # XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections 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 and collections are the result of identity theft and fraud.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when the transactions are authorized, I was charged fees due to lagged posting of charges and credits. This issue align with the recent CFPB findings against Navy Federal Credit union for similar practices, where transactions settled with insufficient balances despite having funds. I believe that these practices are unfair and request and investigation into my account transactions
Product: Credit reporting or other personal consumer reports

XX/XX/year> I got a notification bout an inquiry on XXXX report from Capital One thats not mines.
Product: Credit card or prepaid card

My previous employer used my personal Wells Fargo credit card without my authorization ( i did not give them my credit card information ). My employer have made charges to my credit card without my permission and withdrawn money from my credit card without my authorization and Wells Fargo credit card is unwilling to give me credit for the charges that were done by my employer without my authorization. My employer turned out to be fraudulent and have disappear since making those charges to my credit card and does not respond to any of my attempts to communicate with them.
Product: Credit card

I was charged a {$25.00} late fee on a statement that was {$25.00} itself. 

The only communication I received from the bank was when the statement was issued. No further notifications were provided regarding the balance being unpaid. It sounds like the bank now requires customers to actively opt-in into such notification which was not the case in the past. 

I would always receive notifications about the balance due and a late-fee reminder. 
Obviously it is not in their interest for customers to pay their bills on time, so I believe the new practices to be unethical. 

I have inquired the bank about waving the fee out of their goodwill, but the request was declined. 

American Express used to be a great bank with one of the best customer services in the industry but now they are just as shady as most other banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered. 

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX Inquiries : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. CXXXX To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 
Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX
Product: Credit card

Wells FArgo closed my checking account without a valid explanation and is being lame trying to use the " Banking secrecy act '' to not give a straight answer. Then they closed my credit account and the reason was because they closed my checking account, which doesnt make sense.They did not give me my rewards on the card before closing it.
Product: Credit reporting or other personal consumer reports

The credit reporting agency has not fully investigated properly my dispute. XXXX XXXX went on my credit report with out ever reaching out to me or even verifying the debt with me. Also, The debt was sold by XXXX XXXX who is the original creditor.XXXX has violated laws per the CFPB. XXXX tricked customers into unlawful contracts and now has sold the contracts and given away my personal information. I have provided documents that show XXXX  and the lawsuit they are demanded to pay to there customers as well as removing negative items or collections. XXXX XXXX bought a contract from a fraudulent company and I need XXXX XXXX removed from my credit report.
Product: Debt collection

I recently found out that I had been sent to collections, not from the collection agency, Carter-Young , but through a credit alert. 

Below is the timeline and irregularities regarding my daughter 's college student apartment : On XX/XX/2022 we received the Move Out Statement via email which I did not initially see. After recent review, within the notice there were questionable move out fees of {$310.00}. On XX/XX/2022 I received a Notice of Balance Due : First Demand with an amount due of {$0.00}. On XX/XX/2022 ( 10 days after my first notice ) I was sent a Notice of Balance Due : Final Statement with an amount due of {$0.00}. At this point there was no money owed per their own email correspondence and there were only two communications to collect in the first 60 days. 

When I recently called XXXX XXXX XXXX for clarity, they let me know they wrote off the debt and that is why the amount was {$0.00} owed. Writing off debt within 30 days for tax benefit purposes and then sending said debt to a collection agency is wrought with issues in my mind. 

In regard to Carter-Young , I submitted a dispute on their website. They recently said the investigation showed I owed the money and just showed the Move Out Statement. I have asked Carter-Young for the Validation Notice in an effort to collect from me since I do not have any emails, letters, or calls from them. This has severely hurt my credit that used to be XXXX and I had no idea I owed anything to remediate. And neither party is helpful in rectifying. 

Sincerely
Product: Debt collection

I keep receiving calls from Transworld Systems Inc. for a debt not owed. I was being balanced billed by the XXXX XXXX and the claim was ultimately paid by XXXX. Under FL statue 641.3154 ( 1 ) " If a health maintenance organization is liable for services rendered to a subscriber by a provider, regardless of whether a contract exists between the organization and the provider, the organization is liable for payment of fees to the provider and the subscriber is not liable for payment of fees to the provider. 
( 2 ) For purposes of this section, a health maintenance organization is liable for services rendered to an eligible subscriber by a provider if the provider follows the health maintenance organizations authorization procedures and receives authorization for a covered service for an eligible subscriber, unless the provider provided information to the health maintenance organization with the willful intention to misinform the health maintenance organization. 
( 3 ) The liability of an organization for payment of fees for services is not affected by any contract the organization has with a third party for the functions of authorizing, processing, or paying claims. 
( 4 ) A provider or any representative of a provider, regardless of whether the provider is under contract with the health maintenance organization, may not collect or attempt to collect money from, maintain any action at law against, or report to a credit agency a subscriber of an organization for payment of services for which the organization is liable, if the provider in good faith knows or should know that the organization is liable. 

This agency continues to report incorrect information on my report. pls remove
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. - The following inquiry was not authorized and should not be reporting. 
XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX - The following inquiries were not authorized and should not be reporting.
Product: Checking or savings account

I contacted TD Bank about refunding the {$70.00} in fees they charged me. Due to the pandemic, it has been hard on me and TD Bank is one of the only banks still ignoring the financial troubles people are going through and taking more money from them anyways. The same day it went negative, I transferred money from my savings from a different bank into TD Bank, but apparently immediately paying them to make it positive again was " too hard on their multi-billion dollar business ''. 

The name of the supervisor who declined to assist during the great recession is named XXXX. The call was made ended at about XXXX Eastern Standard Time on XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I have asked several times for XXXX to remove the following hard inquiries and it has not been removed as of yet. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX  XXXX  XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$2200.00}, XXXX  XXXX  XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$1400.00},, XXXX  XXXX  XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$1300.00}, XXXX & XXXX  In Account # XXXX XXXX XXXX opened XX/XX/XXXX bal. {$810.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$580.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX XXXX {$220.00}, XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$150.00}, XXXX/XXXX  XXXX  Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX  XXXX corporat Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX via dealer, 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. 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.