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

EQUIFAX HAS MERGED MY CREDIT REPORT WITH ANOTHER SOCIAL SECURITY NUMBER THAT IS NOT MINE I LEARNED OF THIS WHEN MY CREDIT WAS PULLED BY A MORTGAGE LENDER I HAVE CONTACTED EQUIFAX AND THEY DENY THIS BUT I HAVE THE REPORT THAT SHOWS. THEY WONT DO ANYTHING ABOUT IT AND ITS HURTING MY CREDIT STANDING AND SCORE. XXXX XXXX HAS ASKED FOR EQUIFAX TO REMOVE THE COLLECTION THE ONLY COLLECTION ACTUALLY REFLECTING UNDER MY SOCIAL ON MY REPORT FROM IT BECAUSE IT WAS A FRAUD ACCOUNT AND THEY HAVE FAILED TO DO SO.XXXX XXXX REQUESTED THE REMOVAL IN XX/XX/2018. THEY SENT A SECOND REMOVAL REQUEST THEY HAVE STILL FAILED TO REMOVE IT. 

I HAVE ALSO DISPUTED A AUTO ACCOUNT THATS REPORTING INACCURATE INFORMATION ON ALL THE BUREA XXXX XXXX XXXX XXXX   HAS NOT REMOVED THE ACCOUNT FROM MY REPORT.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This debt was debt was settled and the company reported the same debt account to my credit house 4 times in an attempt to hurt my credit file on purpose. This is malicious and should be illegal.
Product: Credit reporting or other personal consumer reports

While reviewing my credit file, I noticed a fraudulent account.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERNED WHILE STATIONED ABROAD ON XXXX XXXX XXXX  SEEMS MY INFORMATION WAS BREACHED USING MY OLD ADDRESS MY CURRENT ADDRES FOR PAST XXXX  YEARS HAS BEEN XXXX XXXX XXXX XXXX XXXX XXXX INWHICH I PROVIDED ALL PARTIES OF THESE DETAILS THE FOLLOWIND ACCOUNTS WERE OPENDE IN MY NAME XXXX # XXXX XXXX # XXXX AND XXXX # XXXX
Product: Vehicle loan or lease

Complaint is about the autopay, when I tried to obtain the loan they advertised that load is about 2.99 % XXXX on their website but when I applied the load they offered me 6 % something ( I don't know the exact rate ). I asked loan officer that your website is showing 2.99 % apr and who do you give this rate. That person told me that this is handled by marketing team not me. I kept saying that this is misleading but he hung up on me. My credit score is XXXX but because of this incident I have that hard enquiry in my credit report. I feel like AutoPay is advertising false rate on their website to mislead customers.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items not only poses a threat to my financial security but also reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. ailure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assisstance to remove othese fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX, RI XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing Equifax for not correcting mistakes and not correcting Fraud mistakes on my credit report incorrect debt on all of my credit cards. And all of my Equiax hard inquiries are fraud from XXXX  XXXX XXXX too XX/XX/XXXX I have been disputing over and over and over again with Equifax and never get anywhere and no results taking care of. XXXX  XXXX 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 XXXX, are all Fraud made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX , LA . XXXX. XXXX. Done by a car-salesman named XXXX, XXXX. XXXX XX/XX/XXXX. XXXX  XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. Are all Fraud made by XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX LA, XXXX. XXXX. Iv'e told Equifax over and over and Iv'e disputed over and over again with Equifax and they have not fixed the matter.! They have my age of credit history wrong.! They have my Credit card use wrong.! I'm talking with the Attorney General Office in XXXX XXXX LA because I can't get the help and results that I'm looking for..
Product: Credit card

I recently switched to the Chase XXXX XXXX card, and when it arrived I called customer service to cancel my Mileage Plus Club card ( also from Chase XXXX. The agent I spoke to on XX/XX/XXXX informed me that I would get a refund of my annual fee as long as I cancelled the card within 6 months of the fee being charged. She confirmed for me that I had until XX/XX/XXXX to cancel my card to receive a full refund of my annual fee. 
I called again on XX/XX/XXXX to confirm the refund policy and that I had until XX/XX/XXXX. Today I called to cancel the card and was told that the policy was changed XXXX weeks ago and that the new policy only allows 30 days so no refund would be issued. I spoke to a supervisor and he refused to help me in any way, or to provide me with a name or phone number for a more senior supervisor to help resolve the issue. Further he refused to provide me with contact information for your customer Ombudsman, XXXX of XXXX XXXX or primary regulator to report this situation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of all fraudulent accounts and inquiries listed in my credit report as a victim of identity theft and data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), which provide protection for identity theft victims. 
I have identified the following accounts and inquiries that are not mine and were fraudulently opened or conducted without my authorization : Fraudulent Accounts 1. XXXX XXXX - XXXX - XX/XX/XXXX - {$220.00} 2. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} 3. XXXX  - XXXX - XX/XX/XXXX - {$370.00} 4. XXXX  - XXXX - XX/XX/XXXX - {$160.00} 5. XXXX  - XXXX - XX/XX/XXXX - {$950.00} 6. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$950.00} 7. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$370.00} 8. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$160.00} 9. XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} 10. XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} 11. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} 12. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} 13. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiries 1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX  - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX - XX/XX/XXXX 6. XXXX XXXX  - XX/XX/XXXX 7. XXXX  - XX/XX/XXXX 8. XXXX  - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11. XXXX XXXX - XX/XX/XXXX 12. XXXX XXXX - XX/XX/XXXX 13. XXXX - XX/XX/XXXX 14. XXXX - XX/XX/XXXX 15. XXXX - XX/XX/XXXX 16. XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account number : N/A You are reporting this collection as an OPEN ACCOUNT, which is not under the FCRA compliance. This is INACCURATE reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Product: Credit card

On XX/XX/year> {$420.00} was transferred from my Chime account to Current- I dont have a Current account and I contacted Chime filed and opened a fraudulent activity report- I have sent Chime a letter from myself and from Current stating I dont have an account with Current and this morning received my 3rd denial from them
Product: Debt collection

In 2020 I was in and out of XXXX XXXX XXXX XXXX and my ex girlfriend stole my rv and all my credit cards and maxed them out after I had just paid them all off.
Product: Credit card

There was an XXXX XXXX XXXX credit card opened in my name. That I did not open. It was in the past and there was a balance of over {$5000.00} dollars I didnt k ow about. It went into collections and there was a judgement passed and my assets are being frozen. Tried to dispute it in the past. I do not have any proof because it has been so long many many years. I dont know what else to do to resolve this matter. If theres any way some one can contact me thatll be great and I will be greatly appreciative. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a data breach and my personal information was impacted.
Product: Student loan

I consolidated my all student loans in XX/XX/XXXX with the Department of Education. 
I had a loan with a private lender NELNET from my XXXX degree in XXXX. My original loan with them was $ XXXX and now it is close to $ XXXX. This lender was able to add 2 more subsidized loans when they found out I was consolidating all my loans. Now I have two separate loans one consolidated and 2 added ones for {$2100.00} each ( {$4300.00} total ). I do not want to keep in business them, they are trying to keep me as client and if I try to pay this off they will keep adding charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted disputes to all three of the major consumer reporting agencies ; XXXX, XXXX, and XXXX regarding an account that was opened without my knowledge or consent. The name of the account was from a company named Sequium Asset Solutions for an apparent bill or account through XXXX XXXX  XXXX I've never owned or received any services from XXXX XXXX XXXX which I included several pieces of supporting documentation in addition with my disputes. For some reason even after being notified from the credit bureaus Sequium Asset Solutions continues to report this fraudulent account to the three consumer reporting agencies which violates the Fair Debt Collection Practice Act and the Fair Credit Reporting Act. This illegal action has caused me to be denied credit and has given a false sense of reflecting an inaccurate credit score. Sequium Asset Solutions must and should be held accountable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted EXPERIAN and opened an identity theft dispute for, XXXX XXXX, a fraudulent account on my credit file. On XX/XX/2022 I submitted supporting documents ( online and via mail ), including a Federal Trade Commission identity theft report along with a police report. I also requested that this account be removed and BLOCKed from my credit report. According to FCRA 15 U.S. Code 1681c2 the information must be blocked within 4 business days of receiving identity theft supporting documents. However, this fraudulent account remains on my credit file. According to EXPERIAN, it will take 30 days for them to complete an investigation, not 4 business days. Note that all documents submitted to EXPERIAN are attached to this complaint.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did sent correspondence to Equifax and XXXX regarding the false reporting of this account ending in XXXX by discover. I sent a letter to the credit reporting agency that the creditor sent to me where it clearly shows the a major error of inaccuracies.
Product: Payday loan, title loan, or personal loan

I got a XXXX personal loan from one main financial the apr was a little high it says on my report I never made a payment when I did on time every month for a while until I enrolled into the clear one advantage debt relief program. The main reason I enrolled in this program was I called the next month and my balance was XXXX and some odd cents my balanced doubled in one month I felt very stupid and niave because I was very young and was trying to pay off my cards and just have one payment. I was so taken back by the amount doubling in that short of time. So I panicked and enrolled in the debt relief program. Who took my money and never settles anything and let all my accounts get severely behind.
Product: Checking or savings account

Hello on XXXX of XXXX I opened a XXXXhase Checking & Savings account and was approved. I made a change on my wage to be directly deposited to Chase and also transferred $ XXXX of amount from my XXXX account to Chase. However on the XXXX I tried to access their mobile application and I got a note saying that I had suspicious activity on my account and hence needed to reach out Chase. I just learnt this by accident checking the app otherwise I have not noticed it. I gave them a call and they told me that my accounts were closed. I really do not understand how an account could be approved at the first place and you complete transactions and after 2-3 days later they are closing it. If the accounts were not going to be opened in the first place it should have stated that they need more time to review. I am getting approved and all of a sudden the accounts are closed without no call from the bank. I also sent $ XXXX from my other account to these accounts however I am not sure where this money also went to. I am not getting a clear answer from Chase ... this is really unacceptable customer service. I also have a credit card and a car loan balance with them. I have not missed a single payment in my life and my credit score is ~750. Now I am being flagged as doing a suspicious activity. I truly do not understand what I have done wrong. If having multiple credit cards are suspicious activity I think everybody is doing it. I have to now re speak with my payroll department to re initiate my wages to my old bank. Also I am not sure how I am going to be getting the $ XXXX back. If I needed the money urgently what would have happened. This is the first time I am experiencing something like this and I am in total shock.
Product: Credit card

https : //www.synchrony.com/accounts/ I financed a purchase through XXXX XXXX XXXX on XX/XX/year> and XX/XX/year>, managed by Synchrony Bank XXXX Due to difficulties accessing my account without a debit card or readily available account information, I was unable to make timely payments. Despite my efforts to resolve the issue, I was charged late fees. I contacted Synchrony Bank multiple times to explain the situation and request a waiver of the late fees, but they refused, citing previous waivers. The accessibility issues were beyond my control, and I believe the late fees are unfair under these circumstances.
Product: Credit reporting or other personal consumer reports

Back in XXXX  I had received mail that my information was being used in fraudulent claims. So as a XXXX civilian I had called TransUnion to put a temporary freeze on my account! Not long after that I called them to remove it and also removed the temporary freeze that was on my account online! But. Within the XXXX to XXXX  year XXXX  I have been trying to purchase a home and a vehicle, but for some odd reason TransUnion has been giving me the run around and during the process of me seeing about my purchases! The company ( sales associates ) had even talked to them on the phone regarding them permanently lifting my freeze thats been asked several of time XXXX to be lifted! Which they lied and said they did but never did and started discontinuing my phone calls of assistance that I needed! I need help please someone! And. Now it is impossible for me to even log in my Credit account with TransUnion they JEOPARDIZING ME ( Holding me back from being able to purchase an Home and a Vehicle ) and I havent been without! Etc
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX Transunion, and XXXX  asking them to remove my incorrect, names, address and phone numbers. They never responded. Please remove this outdated information.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 Tower Loan at XXXX XXXX XXXX XXXX XXXX  XXXX, Ok XXXX. XXXX. 

Manager XXXX called my job without Authorized my consent was asking why I was going to make a payment. I did explained to her I never authorized them to called me so pleas stop calling my phone. I did move to another office not sure where they know were I moved to, but I was very upset and embarrassed. I did give them information on why I couldn't make payment, due to no transpiration to there location, plus they didn't have debit to make payment. I was getting called on my phone saying if I don't call them I will get garnishment and they visit my home without my consent. I would like to file this complaint with fine.
Product: Debt collection

In XX/XX/XXXX our family moved to our new home.. we needed to move our XXXX XXXX   service.. we had already been a long time customer for far beyond 2 years.. meaning our contract was now void and we were no longer under any obligation to stay with XXXX XXXX if we so wished to go elsewhere.. when scheduling the appointment time for installation, I had requested the tech call before coming to make sure I was home since my husband had recently had XXXX and was taking strong pain medication that would NOT allow him to make any kind of legally binding commitments or decisions ... the tech did not call first and just showed up at my house.. I was at work!! They asked my husband if he'd like to upgrade our current equipment, he told them to call me for that permission.. I then received a call and had declined the upgrade of our current equipment because I didn't want to lose all of our recordings we hadn't seen yet and I DID NOT WANT TO BE LOCKED INTO ANOTHER 2 YEAR CONTRACT!!!! Once I got home from work we had a new system and the tech was gone.. I asked my husband what had happened to our other equipment at which time he stated that the tech had told him that I accepted his offer.. 
HE LIED!!! Once I realized what had happened, I called XXXX XXXX at which time I was offered a special deal to keep our business and was assured that the contract would be exponged given the circumstances surrounding it's existence.. got our first bill to realize that they had NOT followed through with their offer, so I called to get things corrected since our bill was ALOT higher than it was suppose to be.. I was then told that they could not and would not be applying these credits because the representative I had spoken with did not properly notate our account!!! So i then let them know that we wanted to CANCEL service, at which time I was notified that we were under a 2 year contract due to our upgrade and there would be penalties for doing so.. 
I AGAIN told them that my husband was not legally allowed to make any kind of decisions on his own at that time due to his medications and he was under doctors care so even if he did agree to upgrade ( WHICH HE DID NOT ) He could not have legally made that choice or been held to that contract BY LAW, but that the tech had lied to him tellimg him that I agreed to this upgrade ( I MOST CERTAINLY DID NOT AGREE!!! ) So we disconnected our services, sent our equipment back to XXXX XXXX, and now we've been sent to collections over a {$530.00} balance because of cancelling our service due to this New " 2 year contract ''!!! 
WE NEED THIS DEBT REMOVED FROM OUR CREDIT BUREAU 'S AND CREDITED OUR ACCOUNT THE AMOUNT REPORTED DUE TO " EARLY CANCELLATION FEES '' FROM A CONTRACT THAT I NEVER AGREED TO AND MY HUSBAND WAS NOT LEGALLY IN HIS RITE STATE OF MIND TO SIGN OR NEGOTIATE!! 
I would also like to mention that we were NOT contacted by anyone any further after returning equipment until XX/XX/XXXX, when we learned that this debt had been turned over to collections!!!
Product: Vehicle loan or lease

I told the Sales associate at XXXX to cancel the order since they denied me for approval even after a confusing advertise of being accepted, a delivery date and making me pay for insurance in order to get approved. I lost XXXX dollars that I can't get back for 5-7 days, that money shouldn't be that long of a wait, they had no issues cancelling the car transaction, it should be the same for payment. Horrible scammy service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Equifax Credit Bureau Re :  Unauthorized credit inquiries account # XXXX XXXX XXXX 2017 - XXXX XXXX XXXX XXXX   XX/XX/XXXX 2017 To whom it may concern : I recently received a copy of my credit report and i noticed inquiries i did not authorize and which i do not have knowledge. Please be advised by law no inquiries can be placed on my credit without my authorization. I am requesting that this inquiry is removed immediately from my credit report. Please send me an updated copy of my credit report after this inaccurate information has been removed. 

XXXX XXXX XXXX