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

My credit report is showing information that does NOT belong to me. I have reached out and sent the letters and am currently being ignored. I have not received any response from Equifax, XXXX, XXXX XXXX. This information is incorrect and must belong to someone else because I have never lived at the properties associated with said accounts Accounts Listed Below : XXXX XXXX XXXX ( XXXX XXXX  XXXX ) - Reporting on XXXX XXXX XXXX I reached out to the collection agency and they are reporting an address I have never lived at. 

XXXX XXXX - Account Never belonged to me. My Identity must have been stolen and used against my will. It says the account was a paid collection, but it NEVER was mine to begin with. I would like this information removed Immediately. 

I have sent Certified letters to them as they instructed me to do and they have been ignoring me and not giving me any options to call in and handle this over the phone. They are not acting in compliance with the FCRA by not responding in a timely manner and are infringing on my consumer rights Here is the tracking number for all the letters that I've sent. 
XXXX : XXXX ( Received XX/XX/2023, XXXX XXXX  ) XXXX : XXXX ( Received XX/XX/2023, XXXX XXXX  ) Equifax : XXXX ( Received XX/XX/2023, XXXX XXXX XXXX I sent all of these letters on the same day which was XX/XX/2023 As I mentioned I have not heard anything back from them and CAN NOT get them on the phone to discuss what is happening.
Product: Credit card

Between the month of XX/XX/year> to XX/XX/year> Citibank decided to lower my available credit on XXXX of my credit cards from a total amount of {$1400.00} in available credit to {$0.00}. This therefore raised my percent of my credit card utilization from 78 % and 83 % to 97 % and 100 % relatively. Therefore affecting my overall credit score with XXXX and XXXX. When I contacted them I spoke to a manager to inform her of this happening and she had never heard of this happening to multiple accounts for XXXX person. Now the irony is they lowered my available credit due to my balances on my revolving accounts are too high in relation to those credit lines. Which they have lowered each of those accounts before but not at the same time. Plus they lowered another account by {$3600.00}. ( It went from credit of {$7000.00} to {$3300.00} ). All my payments have been on time and I have paid over the amount of my month payments too.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # 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 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 just checked my credit score, and I noticed that it was lowered. I then checked my report and noticed that creditor pulled my credit report without my authorization i dont think that is legal, can the creditor pull your credit report when you did not give them permission? If they cant I need you delete this unauthorized inquiry. I have listed the inquiry bellow. 

ally financial XXXX I never authorized there inquiries ally financial XXXX. I never authorized there inquiries XXXX XXXX XXXX. I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX/XXXX XXXX I never authorized there inquiries XX/XX/XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX cardXX/XX/XXXX I never authorized there inquiries XXXX XXXX XXXX XXXXXXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXXXXXX XXXX I never authorized there inquiries XXXX XXXX/XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX/XXXX/XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX XXXX XXXX I never authorized there inquiries XXXX XXXX I never authorized there inquiries XXXX/XXXX XXXX I never authorized there inquiries XXXX XXXX/XXXX XXXX XXXX I never authorized there inquiries XXXX/XXXXXX/XX/XXXX I never authorized there inquiries XXXX cards XXXX XXXX I never authorized there inquiries How long will it take before this inquiry is remove from my credit report so my score will go back up, because im trying to get approved for something.
Product: Debt collection

I've been contacted by Allied Interstate, LLC twice. The first time, I just dismissed the call as " phishing. '' On XX/XX/19 I was contacted for the second time. When I answered the call, some Asian-speaking woman said something and hung up. So, I called them back. I get so tired of these kind of fake calls. 

A man came on the line, named XXXX, which I'm sure was a fake name, and he said that Allied is a collection firm. Then, he said we have a " personal matter '' to discuss with [ my name ]. Are you this person, he asked. I said yes. Then after I yelled several times " what do you people want, '' he said will you verify this address ... as yours? He had my address!!! I said XXXX no. I'm not verify anything that you want me to verify. 

Further, I said I have a FICO score of over 800 so I'm sure that nothing is in collection anywhere. I don't have any outstanding debts, let alone any creditor trying to get money that I haven't paid. I was so angry I hung up on the XXXX and blocked the phone number. 

I think they " phish '' for information like this. I don't have any outstanding debts for anyone that I know of. If I do, I would think that the companies that I have accounts with, would put this situation in writing before going to some collection agency or at least I hope they would. Otherwise, I don't think it would hold up in court. 

I've looked online for information about Allied Interstate, LLC, and they have an attractive website and do say that they are a collection agency. BUT, anyone can look legitimate this way. And, I've seen " hints '' by several people posting remarks about Allied, that this company is bogus and trying to get financial information from unsuspecting people. 

The phone number they used to contact me was XXXX which is probably as fake as they are. That is not the phone listed on their website. If they maintain that they are legitimate, please tell them to contact me in writing not by pone with complete details of the business that they are collecting for.
Product: Credit card

I hope I have categorized this correctly. My Citibank Mastercard was hacked in 2020 and Citibank issued us a new card. I recently received a bill for {$63.00} from XXXX XXXX for a XXXXXXXX XXXX XXXX. These charges were against the hacked credit card that we no longer have. As I investigated this I discovered that for the past 4 years they have been charging against the hacked credit card that we no longer have. No one has used this XXXX account for at least 7 years. Citibank says merchants charging against an expired credit card is allowed if this is a reoccurring charge. I can not believe that Citibank sends me a new card because my card has been hacked and then proceeded to let a merchant charge against the hacked card. I think Citibank owes me $ XXXX {$250.00}. If Citibank says this is legal and ethical we have a serious problem. I am also a little upset with XXXX for allowing this account to be charged for the previous 7 years when there was no activity on the account. I have cancelled the XXXX account and based on XXXX response I will also be discontinuing my Citibank XXXX. I do not consider them to be ethical after my discussion with them. Is there anything you can do to help. My wife and I are older and this is not only frustrating but to me unethical.
Product: Checking or savings account

XX/XX/XXXX- to XX/XX/XXXX .My account has been charge by another company through debit card when card is lock resulting of my account be charge with late fees. Also when account is in the negative i was being charge an additional late fee each time my card was use.When my credit was good and account was in good standing my loans application keep getting denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills THESE ADDRESSES ARE NO LONGER MY ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY CREDIT REPORT CELL PHONE:XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

Termination letter Dear Experian I, XXXX XXXX, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 account name - 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  - [ ] 15 U.S.C 1691 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX From : XXXX : XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX [ XXXX ] Report # XXXX This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments are inaccurate. please Investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

XXXXXXXX XXXX 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, 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, 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, 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, and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX I also respectfully request to be provided proof of these alleged items specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late please update my payment history to PAANL, status ( paid as agreed never late ). And supply a corrected credit report to any creditors who have requested a copy of my credit report in the last six months. 

I am also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. please remove any information that the creditor can not verify. I know this must be completed within 30 days of receipt of this letter, or you must remove the incorrect information. 

Please send an updated copy of my credit report to the above address. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

The bank is charging me a {$36.00} over draft fee dated XX/XX/2018 where as I had opted-out for them to reject all charges if there is NOT sufficient fees to cover the charges weather they were NON-occuring or non re-occuring ... I had told them to opt me out and complete reject all.

I have this RIGHT as a consumer ..per federal law so banks do NOT prey on me and continue to charge these BOGUS fees..

I had made it very clear ALL transactions to be rejected if there is no fee to cover them and I had made very clear I want to be OPTED-OUT and not in ...

I have called the bank and they tell me they see the opt-out for atm transactions but do NOT see opt-out for the check or re-occuring transactions ( CHA 's ) which is completley bogus ... .I want opt-out of all ...

why will any one opt out of atm transaction fees which is the most convinient for the consumer ... yet opt-in for the check or CHA transactions????

I want to be fully opted out for all and I want the {$36.00} revesred as I do NOT have to pay for the banks mistakes!
Product: Credit card

All my cards with them were updated with a new payment alternative. Then today I received a notice of payment bounced. They charged me {$30.00} late fee. I went online and found this account was the only one of three that the proper payment method was missing. I input the new payment information again. Paid the payment amount. I still am unable to delete the now defunct old payment method. 
I did call but after being in a vicious voice menu and after connecting me to customer service was I notified they were closed. 
Not only that for days this payment was showing as made. Is their system this unsecure?
Product: Debt collection

XXXX XXXX is showing I owe over {$400.00} for an account that was paid off to via XXXX XXXX. I disputed this on my XXXX  account as it should not be on my credit record. I also confirmed via XXXX did receive payment in full & checks all cleared the bank. XXXX didn't investigate at all. They took amcols word that I owed the money even after I told them I paid it in full to via XXXX. XXXX from amcol was still trying to collect payment & i told her they need to call their client via XXXX becausenit was paid in full. It should not even be on my credit report. I'm having no luck with people wanting to do their job & have this rectified.
Product: Credit reporting or other personal consumer reports

I placed a fraud alert on my account. Days later Experian lowered my XXXX XXXX by XXXX points, though I have never made a late payment in my entire credit history going back to XXXX  when I first opened up an XXXX XXXX account. My income level has not changed in over 4 years. My retirement income ( not counting social security or my wife 's retirement income ) has remained steady at over {$100000.00} per year and half my retirement income is tax-free. I own a home free and clear worth over XXXX XXXX dollars. I have savings on hand of over {$200000.00}. No new accounts have been opened in my name according to the XXXX credit bureaus. 

I believe my XXXX XXXX with Experian was lowered XXXX points simply because I placed a fraud alert on my account due to various data breaches with the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I decided to work with Alliant Credit Union as my mortgage lender after shopping around and comparing disclosed estimates for rates and closing costs. After saying " no '' other lenders and declaring my sharing " intent-to-proceed '' with Alliant, they came up with a 6-month cash reserves requirement under the name of " guideline ''. This was never part of any verbal communication or any loan estimate form.
Product: Debt collection

I called the debt collector asking for their mailing address to send payment. They not only refused, but insulted the way I was talking to them ( accused me of talking in a monotone voice ). The debt collector, XXXX XXXX, said " I sound like a serial killer '', which I am not. I owe them the money, but this debt collector can not disrespect me on the phone. Their phone number is XXXX. This is not acceptable, to me.
Product: Checking or savings account

I signed up for a checking account with a {$300.00} bonus promotion offer, I made sure to complete e-statements when I opened my account, funded the account, and changed my direct deposit to my new account as per the terms to qualify for the promotion. Now 120+ days later after i've done everything I was supposed to they are telling me I don't qualify because " I never signed up for Estatements ''. That's funny, I've never received a single paper statement from them in the mail in the past 120+ days, I know for a fact I was enrolled in E statements. I'm not the only person they are doing this too either.
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern : Equifax Information Services LLC XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX ( XXXX ) XXXX I was asked to upload my FTC REPORT and forgot to upload a copy of it with my previous letter for inquiry disputes so below is my FTC REPORT for proof of identity theft. 

THANK YOU ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX XX/XX/1992 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax - they mishandled my information, which puts me and millions of other people at risk. 

I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution and compensation in the form of a free ssn  change and identity theft services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Payments were issued to XXXX XXXX XXXX and they refused to remove the derogatory information as agreed. They've contested a request for removal from all three credit reporting agencies. Attached please find information regarding this claim.
Product: Credit reporting or other personal consumer reports

A fraudulent account is being reported on my credit report that does not belong to me. I have attempted to contact the company directly and they refuse to remove it despite my countless letters, and disputes with documentation as proof. This is violating my rights and hurting my ability to get funding I need.
Product: Bank account or service

On XXXX XXXX 2015 I cash a check with the company XXXX at XXXX pm and it was suppose to load on my rushcard within XXXX mins I paid the XXXX $ fee in which at this rush card had sent Msg via text and email that they were " up grading " their system from XXXX til XXXX on XX/XX/2015 and XXXX XXXX was a holiday ... XXXX did process the check and the money never made it to my card on the amount of XXXX $ til this day there is no record of that check going to rush card and now my money is missing as XXXX XXXX th 2015 and no one has did anything to find nor return my money back to me there is nothing I can do because the check has been cash thru XXXX .... I want my money and at this point rush card has not assist me in this matter
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$60.00} XXXX  XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXXXXXX XXXX XXXX XXXXXX/XX/year>