23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from the law firm of XXXX XXXX XXXX on XXXX XXXXXX/XX/XXXX. The letter states they would like to assist me with a lawsuit that was brought against me. I called their office and they advised me that Blitt and Gaines filed a lawsuit on XX/XX/XXXX on behalf of XXXX XXXX for approximately {$7400.00}. I have not received any prior notice from Blitt and Gaines regarding this matter ( no phone calls or mail correspondence ). I went thru my XXXX app going back to XX/XX/XXXX and there is no mail from Blitt and Gaines. This app shows me each piece of mail that was delivered to me. Since when are lawsuits filed without sending out any notifications and allowing me to respond accordingly? I am also a victim of identity theft so I need to know what this is about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a LOC with First Citizens Bank which was originally included in a ChXXXX bankruptcy originally filed on XX/XX/XXXX. The bankruptcy was discharged in XXXX XXXX when I began paying the bank directly again. From XX/XX/XXXX until XX/XX/XXXX when my home was sold and the balance was paid in full, I was never late with my monthly payment. Currently First Citizens Bank is incorrectly reporting to XXXX a late payment in XX/XX/XXXX. XX/XX/XXXX I closed on the sale of my house and the outstanding balance of this HELOC was paid through closing. Furthermore, the status of this loan states included in bankruptcy. Its been11 years since the bankruptcy was filed and 8 years since the bankruptcy was discharged and shouldnt be referenced at all on my credit report.
Product: Credit card

Despite multiple ad naseum requests to FNBO they will not allow access to my own account. This is due to identity theft, a felony, already known to them.
Product: Debt collection

In 2020 my social was stolen and multiple accounts/loans were opened in my old name/social. I have been actively trying to dispute these items through XXXX. They will not budge and they keep calling my phone from a bunch of random numbers and harassing me asking for my social and to verify its me. Ive repeatedly told them my social was stolen and these debts do not belong to me
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of some unauthorized hard inquiries on my credit report, as listed in the report I received from your agency. I have identified inquiries that were made without my consent or knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX. XXXX, 2022 XXXX XXXX XXXX XXXX. XXXX, 2022 XXXX XXXX  XXXX XXXX. XXXX, 2022 XXXX XXXX XXXX. XXXX, 2022
Product: Debt collection

I've been contacted by phone by GB Collects multiple times. They're located in XXXX, NJ, phone number XXXX. The person who called today is named XXXX at extension XXXX. They're calling on behalf of XXXX XXXX XXXX. XXXX provides a contracted pest control service where they come to your home on a regular basis for pest control services, and also come on demand when called. I had a monthly plan with them, but they did not live up to the expectations or rid my home of the relevant pests ( stink bugs ), even after specifically telling me they can do it. They also didn't show up at first when called for a bee issue, even after I told them there are bees in my bedroom and bathroom. When they finally sent someone, they couldn't resolve the issue and tried to blame me for it, even though I had sealed the windows as suggested. I had to call another pest control company, and they were able to resolve the issue on the same day I called them. Since XXXX did not provide the expected services, I cancelled their service and disputed the charges with them through my credit card company, XXXX cards. I told XXXX I would be doing this. I received confirmation from XXXX cards that I won the dispute and no longer owed the charges to XXXX, and it was permanently credited to my credit card. Even though I won the dispute, XXXX still submitted my account for collections. I explained to the collection company multiple times that I won the dispute through my credit card company and I don't owe XXXX any money. The collection company doesn't understand the basic concept of credit card disputes and keep insisting that since the credit card company credited me for the charges, I now owe the same charges to XXXX since it's no longer paid. They refuse to understand that since I won the dispute and was credited for the charges, I no longer owe XXXX the charges. The collection company continues to call me on a regular basis and there does not seem to be any way to resolve this with them because they don't understand how credit card disputes work. Please follow up with them and help them understand that since I won the dispute, I no longer owe the money. Thank you.
Product: Credit card

There were XXXX unauthorized charges on my chase credit card account. I contacted Chase and initially they credited my account while they were doing their investigation. Later after about 2 months they told me that the charges were valid and charged my account. But I have told them over and over the charges were not mine and I never authorized the charges. The person who made the charges has a totally different name, living in a different state! I do n't know the person, I never authorized the person and I have no idea how that person used my Chase account number to subscribe to XXXX! 
Since XXXX XXXX, 2015, I have sent chase XXXX messages ( through their online customer service ) telling them again and again that the charges were not mine and every time they say they are looking at my issue and will get back to me in 2-3 days, but they never do.
Product: Credit reporting or other personal consumer reports

I have requested that TransUnion remove the following items from my credit report due to fraud : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and the regular inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have also filed a complaint with the courthouse in XXXX, XXXX XXXX. If these items are not removed, I will continue to press charges. The court file number is XXXX.
Product: Mortgage

In XXXX, faced with losing our home we asked for a remodification. In XXXX, after tacking on {$40000.00}, they offered a XXXX XXXX XXXX XXXX remodification. This was after I had submitted 13 packages, all coming back missing documents. I have hired 5 attorneys over the years. On XX/XX/XXXX, a Judge ruled that Bank of America had violated the Arkansas Statutory Foreclosure Act, buy selling our home while we were making payments. I have filed several complaints in the beginning, with Bank of America telling me " They did not have to do anything the government tells them to do. '' So, I sued and I ligated " pro-se '' for years. Now, they want me to summit another loan, with the acceleration as if in full force. This is in Volitation of the Act, the Judge ruled, 'as if we had gone to trial. I believe I would have proved they violated the Tarp Agreement and I would not be still after all there years fighting to keep my home I built as the XXXX XXXX 
, along with my father.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Open. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$97000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4500.00} Status Open.
Product: Credit reporting or other personal consumer reports

There are old inquiries including the following that I reached out in XXXX to Capital One and XXXX and XXXX to dispute, but the information is still not removed and now its XXXX. 

1. CAPITAL ONE BANK USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received a credit card statement from Capital One for the period XXXX XXXX, 2015, but I do not possess a Capital One credit card. I telephone the Customer Service number on the statement : XXXX and spoke with senior account specialist, XXXX, who stated that someone else used my information to open this account and that he was closing it as of XXXX XXXX, 2015. There were no charges on this statement, but the statement informed me that I would be charged an annual {$19.00} fee if I did not close this account. 
Over one year ago I applied online for a Capital One account, but I cancelled the application/account via written notice delivered via XXXX XXXX to Capital One 's corporate headquarters. The reason for that was that I immediately received more than XXXX notice in the mail stating that they could not issue the card due to fraudulent activity on the card ( that did not exist ). When I telephoned the number on the letters, the same man answered and I called more than XXXX time. I was always asked for my personal information, i.e. date of birth, social security number, prior employment, etc. I concluded that the entire process was initiated and followed through by an individual or individuals conducting fraudulent identity theft posing as Capital One. Regarding the cancellation and report of fraud sent to Capital One 's corporate headquarters via XXXX XXXX, I did not receive any response at all. This is very suspect, in my opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I disputed the accounts attached and uploaded with XXXX. However, they failed to investigate and initiated an auto stall tactic letter out to me on XXXX which is not acceptable.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXXBalance {$0.00} XXXXBalance {$1900.00} XXXX XXXXBalance {$760.00} XXXXBalance {$1200.00} XXXXBalance {$0.00} XXXX XXXX XXXXBalance {$0.00} XXXXBalance {$0.00} XXXXBalance {$310.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : US BKPT CT XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account XXXX : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I uploaded to Experian online dispute website, a dispute to remove incorrect names listed on my credit report, stating that unverifiable names needed to be deleted, because they were no longer verifiable. The dispute came back with basically nothing done, incorrect address were not removed. 

On XX/XX/2018 I again uploaded to Experian online dispute to correct names, this time I send a notarized copy of my drivers lenience & Social Security Card. The dispute came back, including a credit report, with NO NAMES listed. 

I went on line to Experians dispute website and found, what they did was keep all the names, all they did, was flagged each name to NOT printout it my credit report. The links to the incorrect names still remained. 

The names and links from the incorrect names were NOT deleted as required by law.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
Product: Debt collection

I received notices from XXXX XXXX XXXX XXXXXXXX XXXX XXXX attempting to collect a debt that i have no knowledge about. I requested copies of my consumer credit report to validate their claim and discovered a Navy Federal Credit Union Account being reported with a balance of more than {$1000.00} I have contacted Navy Federal Credit Union which is the original creditor about the fraud that is being reported as a result of identity theft, i attempted numerous of times to write XXXX XXXXXXXX XXXX XXXX XXXX XXXX  about this matter however i got no results.
Product: Credit reporting or other personal consumer reports

I am disputing this account under e-Oscar code XXXX. 

This account is not meeting the industry standard, Metro 2 Compliance. Modify, update, or delete this account for the inaccuracies and errors : Date Filed/Reported : XXXX says XX/XX/year> but Experian says XX/XX/year>. XXXX says something different. Which one is it? This is misleading if you both get the same data from the same furnisher. Either modify, fix, or delete the entire account. 

The reference number is different. Experian says XXXX but XXXX says XXXX. XXXX says XXXX. Which one is it? This is misleading if you both get the same data from the same furnisher. Either modify, fix, or delete the entire account. 

What is the closing date? XXXX says no data, but Experian and XXXX say XX/XX/year>. Why does XXXX say no data and not reporting it if you guys get the same information from the same furnisher. Either modify, fix, or delete the entire account. 

Why is the court name 'federal '? Experian says US BKPT CT FL XXXXXXXX and XXXX says U.S. Bankruptcy Court. This is misleading if you both get the same data from the same furnisher. It should be the FULL and COMPLETE name per your industry standard. That is inaccurate, what is the court name? Either modify, fix, or delete the entire account.
Product: Credit card or prepaid card

I checked my credit report in XXXX of 2020. I saw there was an account opened with Capital One and I never opened that account. This account was opened in XX/XX/2020. I called capital one sent all documentation that was needed fraud affidavit police report and ftc report and was told I need to know who the suspect was. I don't know who the suspect is! I have never opened this account. I submitted a complaint and was told this account was valid. I never lived in XXXX XXXX the number they had on file is incorrect. I called them several times about this account. This is not my account and I will sue capital one. I never had a checking account they have on file. My identity was stolen. This is incorrect information that is reported to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I've sent a USPS certified letter to Experian regarding my personal update. Experian has my incorrect address on my credit report. 

30 days had passed, Experian still reporting an inaccurate address on my credit report. 

On XX/XX/XXXX I've sent a 2nd USPS certified letter to Experian regarding my personal profile. I've sent them a copy of my social security card I've sent them proof of my address including my State ID, W2 forum, my residence tenant information, and my bank statement. 30 days passed and they still didn't correct my information. 

I opened a dispute using Experian online services on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Experian refuses to put my correct address, all my accounts on Experian are not reporting as the address listed on my Experian credit file. 


Experian They're potentially violating my rights based on the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 2 months ago, I asked XXXX XXXX why my score dropped 29  points. 
My one delinquency was a year old. Already had been dinged. 
Was told to contact Experian. 
After I created a dispute to find out why my score was 29  points higher in their system, They emailed the research was complete. 
My score went to XXXX or higher, in a few days, on all 3 credit reporting agencies.

A few days later, fell 61 on all 3. 
Phoned Experian. They could not explain why. Told me to contact FICO.

XXXX  said they couldnt give me an answer.

My annual credit report only shows the one delinquency.

My score dropped another 4 points in XXXX. 
XXXX XXXX site shows a negative I have too much on my accounts. It's been XXXX for a year or more. I, this month, left {$120.00} balance only because another negative item was not enough balances. 
XXXX XXXX, now, shows I have a higher score than the Experian site. XXXX says they use Experian. 

Account Summary FICO Score XXXX as of XX/XX/20 XXXX XXXX credit rating : Excellent FICOScore | FICO Score XXXX| Experian Data Score range : 300 850| Updated Monthly Planning & Tools Visit the Smarter Credit Center View My Retirement Plan Calculate Debt-to-Income Ratio Your Score Factors Your Score History Credit Reports Credit Education FAQs Factors affecting your current FICO Score Congratulations! Your XXXX XXXX credit rating is Excellent based on your current FICO Score. 
These key factors may reflect your credit information as reported in your credit report. They're for informational purposes and while these factors are present in your credit report, they may not significantly impact your current score. 

Number of accounts with delinquency No recent revolving balances Proportion of loan balances to loan amounts is too high Time since delinquency is too recent or unknown Too many inquiries last 12 months
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy report on my credit report. I called XXXX and they said that LEXISNEXIS gave the report to them. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately. They are not mine.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit reporting act this creditor has violated my rights under the 15 USC1681 section 602 states i have the right to privacy15 USC1681 section 604a section 22 it also states a consumer reporting agency cant furnish an account without my written instructions. Under 15 USCS 1666ba creditor may not treat a a payment on a credit card account under an open end consumer credit plans as late for any purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX XXXXXXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was 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 information relating to any transaction by the consumer.

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking this account is inadvertently resulting in me being extorted.
Product: Credit card

Today, XX/XX/2024 Discover Financial Services denied my application based on too many inquiries, and failed to evaluate the qualification of credit based on the information contained in the credit report and ability to pay income. 

Application no : XXXX