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

I have been trying to log into XXXX XXXX XXXX  ( Experian.com ) account since XX/XX/XXXX. I tried to reset my username and password and their system stated that my DOB and SSN was wrong so I sent an email on XX/XX/XXXXXXXX  to inform them that I might have had my account hacked because I definitely know what my SSN and DOB is. They responded back on XX/XX/XXXX requesting this information The full name you used when registering for your account Your Member ID - This is a unique number that can be found in any email from Experian or by logging into your account clicking the grey image icon in the upper right corner The email address connected to your account The phone number connected to your account. 
I provided all of the requests information on XX/XX/XXXXXXXX  besides my old phone number because I don't remember which number I used. On XX/XX/XXXXXXXX  I received this message To retrieve your username online : Go to Experian at XXXX XXXX XXXX Click forgot username Enter the requested information. 

I supplied all of the requests information and even attached a picture of my driver 's license along with a picture of my face next to my driver 's license informing them that I believe zi maybe a victim of fraud and that their recovery information was wrong. 
On XX/XX/XXXXXXXX  they sent this email stating The best way to address your concern is to speak directly with one of our Customer Care Representatives. 

Please give us a call at XXXX XXXX I called the number but it doesn't take me to speak with anyone directly it redirects me back to my login which I can't do without speaking with someone. 
I checked my credit score and noticed that someone has been running my credit report almost everyday for the past two months and without being able to log into my account I can't stop them and Experian isn't doing anything to help.
Product: Debt collection

ask for verification of debt did not verified information. its been more than 30 days. 

usps tracking number : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY ACCORDANCE WITH TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THIS BANKRUPTCY XXXX XXXX XXXXXXXX TO BE REPORTED / FURNISHED ON MY CONSUMER REPORTS, XXXX, XXXX. I DIDNT GIVE XXXX XXXX XXXX XXXX TO GET INTO MY PERSONAL BUSINESS OR TO REPORT MY PRIVATE OR PUBLIC INFORMATION TO ANYONE I HAVE NO BUSINESS WITH XXXX XXXX. IF YOU BELIEVE I DID PLEASE PROVIDE DOCUMENTS WITH MY HUMAN NATURAL XXXX  LIVING WOMAN WET SIGNATURE CLAIMING PROOF THAT I GAVE XXXX XXXX CONSENT. IM DISPUTING THIS TO THE FULLEST AGAINST XXXX, XXXX XXXX XXXX IF THIS ISNT DELETED I WILL MOVE TO LITIGATION DEMAND DELETION IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account was removed from my credit report from Franklin Collection Service. My credit score did not increase at all for the removal of the collection account from my credit report. This should have increased my credit score by at least 23 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I give Consumer Financial Protection Bureau authorization to communicate, investigate and be the third party on my behalf. I have constantly sent Experian notices to update an account XXXX  to XXXX balance since XXXX. Experian uses tactics such as they do not have me in the system under my name when communicating back to CFPB yet they are easily reporting incorrect data under my file. Experian has proof of who I and I've sent my social security and driver 's license. Experian is continuing to VIOLATE my rights. When will the violations and inaccurate reportings stop? Attached is a drover license.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has violated Hippa laws I demand they are investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX was entered into credit inquiry transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by bad people on the dark web. Having these False and misleading inquiries reporting to my credit report is very damaging and is hindering my ability to purchase a home for me and my son. I ask that you please remove all these false misleading inquiries from my credit report so I can began to repair my credit and eventually get my son a house. please resolve this matter quickly. I have included a list of all inquiries that I did not authorize below along with the dates. 
My information was obtained without permissible purpose. 
15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I identify all the inquiries accounts listed below as to be a result of identity theft, therefore they should be removed from my account no later that 4 days of receiving this complaint. 
15 U.S. Code 1681c2 defines as a Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report ; Please remove all the accounts listed below : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There was an account opened under my name some time in 2017, the original creditor was XXXX XXXX XXXX, it has now turned into a collection agency with a company named I.Q Data Internatio XXXX XXXX   XXXX, XXXX, WA XXXX. I have tried disputing this information with XXXX, i have filed an identity theft report, filed multiple disputes on this collection account. And they still won't remove it from my credit report. I even tried calling the collection agency my self, and they were nasty rude people, they did not care about anything else but their money, even when i told them that it wasnt my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 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

This complaint is about the account above and the reporting of the collector XXXX XXXX. I am XXXX XXXX, the debtor and Complainant in this complaint. I am filing this complaint about the account referenced above. 

The collector, XXXX XXXX, is reporting this debt to the credit reporting agency on behalf of XXXX. Both companies, XXXX XXXX and XXXX are based in XXXX, California. XXXX is the contract towing company for the XXXX of XXXX. My familiarity with the creditor is because I once lived two houses away from one of their employers, the brother of the owner. His daughter was my own daughters best friend when they were children. I have had no contact with any of these folks in over 12 years. 

I have never had a business relationship with the people or this company. I have had no business at all anywhere near the XXXX for over a decade. I have been XXXX and receiving XXXX for the past eight years. I have certainly had no reason to have a vehicle towed a distance that would result in charges of almost {$2000.00}. Ive not had a vehicle impounded either. I have no idea what the account is from. 

I have had no success in my own attempts to correct this situation, have the debt dropped and my credit report corrected. I appreciate any assistance you can give me through this complaint process. I have no documents about this alleged debt except a copy of the credit report. 

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

This complaint in with NELNET Student loan servicing. I have had an account with Nelnet since  XX/XX/XXXX ( ACCT : XXXX and XXXX ) and ( Address ID XXXX ) that of which I have was enrolled at XXXX University doing an undergrad program. Upon receiving my loans from XXXX Nelnet assured me that I would not go into default but into a forbearance program that would defer my loans until I graduate. 
Subsequently, I did not do well at XXXX and enrolled at XXXX University. I then received more loans from Nelnet and also had them placed in forbearance and stated to me that my loans would be due 6 months after I graduate. My date to graduate from XXXX was in XX/XX/XXXX. However, I completed the program early and my degree was conferred in XX/XX/XXXX. 
I immediately started getting loan payments from Nelnet of {$600.00}., {$450.00} and other amounts. 
I immediately called Nelnet and informed them that my 6 months had not expired when I began receiving these notices in XX/XX/XXXX, Nelnet informed me that my time expired and that the loans were due. I replied that no one informed me of any time period between my lapse in school which was two months two receive my schedule and transcripts to be received to start school at XXXX University. 
Therefore, my loans were placed as being 30 + days late. I have pleaded with them, because I have never been late on my loans with Nelnet as proof is given. 
As a result, I got my lawyer to intervene on XX/XX/XXXX and on XX/XX/XXXX, as of yet NELNET has not returned any calls or written correspondence to myself or my lawyer. 
I am asking that these late payments from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are removed from my credit report because I was NEVER late to Nelnet.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXX XXXXXXXX Balance : {$760.00} XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX  Balance : {$4400.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5800.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested for addresses on my reports to be removed that are not correct from all bureaus they have not been removed.
Product: Credit reporting

Trans Union continues to list a, " Bankruptcy '', on my credit report which in fact is not correct. Please view the screen shot of another agency and they report, " Never Have filed Bankruptcy ''. I have asked them to correct the listing Via their web portal, but appears that they are issuing auto robotic responses that state it has been confirmed. How can it be confirmed if it never happened? 

Also, I think the time of the listing is past the 7 year allotted time. I am trying to qualify for a home loan and this is seriously damaging my ability to be able to qualify and it is incorrect to start with. I greatly appreciate your efforts. 

This is the screen snip from the XXXX reporting agency that states that I have not Bankruptcies, and shows the only negative reporting item is a Lien that I am in the processing of settling, that is mine. 
Thank you again for your help. 

I will uploaded as a document to show this.
Product: Debt collection

I received a negative remark on my credit report stating I had an unpaid collection in the amount of {$53.00}. I contacted the collections company on XX/XX/2018 and discovered the negative item was a fee resulting from what my medical insurance didn't cover for a medical item. I was NEVER billed for amount and contacted the collection company to request that they remove this remark from my credit report as I was never sent a bill for this item. I spoke to XXXX in the consumer payment department and was told that they are " unauthorized to report credit charge offs ''. I requested to speak to a manager and was rudely and abruptly put on hold. She then returned and told me that the manager XXXX was unavailable as she just came into the office and would return my call later that day. She never returned my call.??? I just want to pay this bill and have it REMOVED from my credit report as I was never billed for it!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card account : XXXX or my last 4 ssn # XXXX was originally opened by me solely. In XX/XX/2015, when my home was burglarized, a charged alert email/text informed me that someone was using my XXXX Card at the next city over in XXXX ( I was living in XXXX XXXX and a copy of the XXXX XXXX Policy report attached for this identity theft ). It was then that I realized that my cards including my passport and social security card ( that were in a portable safe ) were stolen. 

I called XXXX card within hours of my home burglary and informed that my identity will be compromised due to the items that were stolen on the SAME day of the incident. 

My credit have been compromised and credit reporting from XXXX XXXX does NOT reflect that the charges and balances were from someone else using my identity because they stole all my valuables in my home. 

Please removed the negative credit reporting from XXXX XXXX from my credit reporting to reflect that my identity was stolen from the police report and FTC report. 

Thank you and I appreciate your help with this matter. 

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

Under 15 US 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 insturuction of the consumer to whom it relates. 

I, the natural consumer, XXXX XXXX have not given Equifax, XXXX and XXXX the Consumer reporting agencies any written consent to report any certain information on my consumer report. No consent is identity theft. 
Pertaining to the following accounts, I wish to have the following information removed from my consumer report at my consent. 

XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I have had a loan that was supplied by the dealership for XXXX years now for a Newly purchased vehicle. The bank wouldn't open an online account for me so that I could make payments. I tried calling several times over a year and a half for several issues and never once had anyone pick up the line. I also tried their customer support email several times over a year, and there was no answer. Not even once. I had to turn on bill pay from my normal bank to send them a monthly physical check. I discovered this wasn't working when I got a notice of delinquency on my credit monitoring. I went to the bank to see what the issue was. They never opened the mail and didn't deposit the checks. They had been sitting on someone's desk! I asked what they would do to get the notice of my credit report, and I was told, " Oh, sorry, there's nothing we can do about that. '' So now I have to go into the bank every month, hand them a check, and watch them deposit it. Once, a couple of months ago, I got busy and missed going into the bank. They notified me about the missed payment on day XXXX and reported me the next day for being late. I just found out they filed another one for me today. I was in the bank earlier this week and made the payment! How can I hold them responsible for negligence and stop trashing my credit??
Product: Credit reporting or other personal consumer reports

acima digital fka simple in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX simple I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit card or prepaid card

On XX/XX/XXXX my wife and I went to kay jewelers of Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX and purchased two wedding rings. 
The store convinced me to sign up for their store card on that day, explaining they had a 12 month interest free program. 
I qualified immediately for store credit as my credit was very good. 
We were advised that if we made every payment on time there would be no penalties or fees. 
I utilized there online payment system and setup auto payments immediately. 
We did not receive statements as we were advised to stay paperless and no statements were ever emailed to me. 
Every payment was made on time and in full as shown below : XX/XX/XXXX PAYMENT - THANK YOU - {$150.00} XX/XX/XXXX PROMOTIONAL TO REVOLVING {$150.00} XX/XX/XXXX PROMO FINANCE CHARGE ADJ {$320.00} XX/XX/XXXX FINANCE CHARGE {$320.00} XX/XX/XXXX PAYMENT - THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX PAYMENT-THANK YOU - {$160.00} XX/XX/XXXX KAY JEWELERS PROMO PURCHASE {$1900.00} When I had checked that the final payment cleared on XX/XX/XXXX I was shocked to find a new charge for " interest for entire year '' of {$330.00}. 
I emailed and called repeatedly for days with no reply until I finally got through today XX/XX/XXXX I was advised by customer service advisor XXXX that there due day was 1 day after the promotional period ended and therefor the interest charge is required. 
He advised that the promotional period end date showed on the monthly statements none of which were ever sent to me. 
I have checked the original agreement and there is no promotional end date on that at all. 
The company set the due dates and i trusted they set those inline with the promotional period as i was advised when I made the purchase. 
I would most definitely have made the payment earlier had I been advised of this. 
I feel extremely mislead by Kay Jewelers and how they represented this promotion.
Product: Checking or savings account

On XX/XX/2023 I went to the local gas station a XXXX station and purchased XXXX dollars in gas. I used my XXXX pay app to pay for the gas. My XXXX account is connected to this app, and my Chime bank account is connected to the XXXX app to cover any monies that is not in my XXXX account. XXXX put XXXX hold on my card until finished getting gas, which was fine. Once I finished getting gas, the hold was released and the transaction was completed for {$20.00}. On XX/XX/XXXX, at XXXX pm CHIME Bank took {$100.00} out of my account, as a new transaction that is still showing pending, resulting In a negative balance. As a result I am unable to pay for electricity and gas to go to work. I contacted XXXX and XXXX first to confirm they have know knowledge of this transaction for XXXX and that the hold for the gas I purchased on the XXXX had been released amd returned already. I then called CHIME and have got nothing but the runaround and they don't seem to care or understand that have taken money from me in error, that I need to live amd survive. Please help
Product: Checking or savings account

I was scammed out of {$70.00} for a concert ticket. Because I used XXXX, they refused to do anything about it.
Product: Debt collection

They were informed on XX/XX/18 that they were to stop calling me at work. I received several calls after they were told to not call me at work. I have the following confirmed from caller id : XX/XX/XXXX at XXXX XXXX ; XX/XX/XXXX at XXXX XXXX, XXXX XXXX and XXXX XXXX ; XX/XX/XXXX at XXXX XXXX.. They were again informed on XX/XX/18 to not call me at work and that the only time I could accept calls were after XXXX XXXX. I received another call on XX/XX/18 at XXXX XXXX.
Product: Checking or savings account

On XX/XX/year> tried to make a purchase on XXXX XXXX XXXX website for XXXX estimated and wasn't able to due to the XXXX part of my debit card with TD Bank not working again. No access code was sent to my cellphone on file and I had to call TD Bank. I keep going through this and now that I'll be traveling internationally in a month and throughout this year, I don't want to keep going through this problem at all. Please can someone look into this and permanently remove this block from my XXXX debit card.
Product: Debt collection

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT/AND CREDIT CARDS SUBMITTED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES.
Product: Credit reporting 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. 

List of Unauthorized Inquiries : XXXX  - XXXXXXXX XXXX  - XXXX XXXX  XXXX  - XXXX XXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.