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

I did not authorize the following hard inquiries and as such they are fraudulent XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX FINANCIAL SER Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX 
Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX RE Inquiry date XX/XX/XXXX Removal date XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my report, after contacting the main bureaus to dispute the matter I was told to complete an FTC complaint. I did that yet no changes have been made to my credit report. I wasd then told to file a police report. Once filing a police report with XXXX Police Department, I was then only given an incident number NOT a police report. I Have attempted to explain this to various customer service representatives however, they continue to say they are unable to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX  XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX Balance : {$530.00} ; XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I was traveling for work and someone stole my information and now i have fraudulent accounts opened under my identity. Please remove these issues immediately.
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XX/XX/2024 to the credit bureaus requesting that the XXXX XXXX XXXX XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Credit reporting or other personal consumer reports

I've requested several times for the 30 day late payment on my XXXX XXXX XXXX account and in it's place the remark paid as agreed. I even provided them with the letter that XXXX XXXX XXXX sent me stating that my account was paid as agreed and closed. Because of this inaccurate remark it's caused my credit score to drop XXXX points. Which has caused me not to be able to get a mortgage on my home that I own outright. I have already told them that it needs to be corrected and they have not removed the 30 day late payment. The account was paid off 20 months ahead of schedule. If they don't remove the 30 day late payment and change it to paid as agreed I'm going to sue them for defamation. I'm tired of dealing with them on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a credit card opened up in my name back in XX/2014 with XXXX XXXX XXXX XXXX which i have never had an account with them ever in my life i am wanting this company to get rid of the negativity off my transunion report and delete it.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX 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 card

I contacted XXXX and asked them about my credit card payments and why after paying {$120.00} on a {$300.00} credit balance that it only went down {$4.00}. I was given excuses about how {$75.00} of it was for the fee to sign up and then the rest was interest. In other words out of the {$120.00} that I paid they charged me {$110.00} interest and only {$4.00} went to paying off the {$300.00}. 

I mentioned to the agent who i could barely understand, that if {$120.00} only paid off {$4.00} of the {$300.00} that it would cost me {$9000.00} to pay off a {$300.00} Credit Card. When I informed Indigo that I was recording them and that I would be contacting the FTC and the Attorney Generals Office they got upset and said that they did not give me permission to record them. 

I asked them for the paperwork that states the fees and interests and they refused to send that to me even in an email. 

I then contacted XXXX XXXX to file a complaint and even the lady whom I spoke to stated that it was not right. She then Charged me {$1.00} to be able to look at my account and then there was no other mention of fees until she tried to charge me {$370.00} to send a letter to XXXX and XXXX. I immediately cancelled the call.. Then on XX/XX/year> I received a notice that my bank was charged {$24.00}. I did not authorize that. I tried to send an email to XXXX and they kicked it back telling me that I had to contact another company. There is alot of fraud going on here.
Product: Credit card

XXXX American Express credit cards are the issue : A. Account Ending :XXXX. Account Ending : XXXX. Account Ending XXXX AX never investigated my side of the complaint regarding XXXX. AX even did not review the documents I sent. AX simply just accepted XXXX argument. 
Although I closed the account but AX continues requesting to send them more documents. 
AX did not credit the account with the disputed sum. The day they credit my account AX debited the account the same day. 

B.Account Ending XXXX : A month and a half after filing a dispute I was told that the supplier did not respond and a note will be sent to him. I called again on XXXX/XXXX/2015 to find out that AX lied and the supplier Affordable had sent his answer but AX failed to forward it to me and as a result AX accepted the supplier explanation and closed the dispute without notifying me. In other wards they accepted the supplier explanation without my rebuttal. AX is violating the Fair Credit Act and The Truth in Lending Act at the same time by automatically siding with the supplier although the Card Holder is the one to prevail if AX would review the Card Holder 's explanation of the dispute. 
I am ready to supply all the documents related to my AX XXXX disputes for review by FTC or other government office.
Product: Credit reporting or other personal consumer reports

XX/XX/, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. 

They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated numerous times. 
The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

According to : 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 According to : 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.
Product: Credit card

While serving in the United States XXXX, I received XXXX to travel from XXXX XXXX, XXXX to XXXX XXXX, XXXX in XXXX of 2010 in order to complete my XXXX requirements to be XXXX from the military. I purchased a ticket with a government credit card ( Citibank ) with the belief that I would be reimbursed, or the finance department of my parent unit would settle the debt. I was unaware, until several years later, that the bill had not been paid. For background, when a soldier processes out of the XXXX, every department must sign off on the XXXX. XXXX of these departments is Finance. A soldier is not ( usually ) allowed to clear the installation and XXXX with any outstanding debt owed due to military service. It was for this reason, that when I visited the finance department to obtain clearance paperwork for my XXXX I was assured that I did not owe the outstanding amount on the credit card, and that it would be settled. I have attempted to reach an agreement with both the card issuer and the debt collection service to which they sold the debt, with no success. I have also attempted to remedy this situation through the military, with no success. 
This is a serious blemish on my credit, and I would like to get it resolved. I have not been reimbursed for this travel expense, as I was unaware that the debt was owed and therefore did not submit a travel report which reflected the amount of the ticket.
Product: Checking or savings account

PNC will not allow my XXXX app to connect and update my balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some errors and incorrect elements that are in my credit report since XX/XX/ 2021 and so far the credit bureaus have not given me an answer.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Someone opened ( XXXX ) Affirm accounts with my information. This is fraud. The accounts are : XXXX {$94.00} opened XX/XX/2023 | XXXX  - {$110.00} opened XX/XX/2023 | XXXX - {$85.00} opened in XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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
Product: Debt collection

I have disputed this collection 3x. Each year, they sell it to a different company and then I have to go through the process of getting it removed. This is a fraudulent account. My information does not match the information they have on file. I do not have any late accounts, all of my accounts are in good standing and have been for 5 years in a row. I have reported this as fraud last year in XXXX and again in XXXX.
Product: Debt collection

I told them to not contact my husband or myself at work and they did again. They told me and my husband that they will be attaching our wages. The caller also told us we had to call back by XXXX the next day after we made payments or they would take further steps to contact our employers. I made a payment on XXXX/XXXX/16 for {$58.00} and then on XXXX/XXXX/16 the called my husband at work and told him he had to make a payment, which he did make another payment. Then the guy told him if he did not call back by noon that he would start proceeding 's against us to attach our wages. We made 2 payments in 8 days and he still harasses us. He calls several times a day and does not leave a voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXXthat are being reported to the three major credit bureaus. I mailed my payments for XXXX XXXX on time. I normally do not mail payments, but because XXXX XXXX was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by Target in XX/XX/XXXX, which is one of the months that is marked as derogatory. I spoke to XXXX XXXX   about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their end.
Product: Credit card or prepaid card

I purchased furniture from XXXX XXXX XXXXXXXX in XX/XX/2022 but because of extended wait time to received I cancelled my order in XX/XX/2022. I was issued credit from XXXX XXXX in the amount of {$3500.00} to my Caesars Reward credit card ( COMENITY BANK ) the same credit card I initially used. I was told to give 1-3 depending on my credit card company to get the credit. As of XX/XX/2022 when I called to check it now shows that amount that should have been refunded to me now shows a charge. I have reached out to the bank weekly in an effort to get this resolved. In XXXX I reached out in an effort to find out status and originally COMENITY BANK saw as a credit and a credit was to be issued but it never was. I just called today spoke with XXXX XXXX # XXXX with COMENITY BANK when ask if she could escalate she advise there was no one over her. She was very rude and condescending took no ownership of this bank error. Previous agent stated all this was because of system upgrades. Why should system upgrades effect customer for several months. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUD ACCOUNTS ON MY CREDIT REPORT ACCOUNT NAME- KIKOFF LENDING LLC ACCOUNT # - XXXX Balance- {$16.00} Balance updatedXXXX XXXX, XXXX Credit limit- {$500.00} Open/closed-Closed Date opened-XXXX XXXX, XXXX Account type-Charge Card STATUS-Account charged off. {$16.00} written off. {$12.00} past due as of XX/XX/XXXX. 
Status updated-XXXX XXXX Past due amount- {$12.00} Highest balance- XXXX XXXX Monthly payment -- Last payment date-XXXX XXXX, XXXX INCOMPLETE ACCOUNT 3 IS GROUNDS FOR REMOVAL AND DELETION OF THIS ACCOUNT Contact info Address XXXX XXXX XXXX XXXX, NV XXXX Phone numberXXXX XXXX XXXX 15 U.S. CODE 1681C-2 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 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is 3 unauthorized accounts on my credit report that I did not authorize to be open, and did not apply for. I have filed the necessary legal documents under the FCRA 2009 605 ( b  ) to request Transunion to cease and desist all reporting of these fraudulent accounts. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. 



Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses. 

The accounts are XXXX XXXXXXXX XXXX {$25000.00}, {$4000.00}, {$4000.00}. 

I have never opened any of these.
Product: Debt collection

I have received calls from this number on my personal phone, and at my place of employment. The XXXX caller was a gentleman, and he would not give me his name or the name of the company he represents. He only said that he works with a locator service and he needed to verify my address so that I would n't miss a court day. He also wanted me to call a certain number. At that time I told him that I could not give him any information since he had n't given me enough details. He went on to tell me that a complaint had been filed against me and he gave me no specifics, and that he wanted to make sure I did n't miss a court date. He claimed that he 'd sent information to my home and it was returned. I have lived in the same home for about XXXX years, so I did n't believe him. Today I received a similar call, but this time a lady left a name. She also said that she was calling from a locator service. She said her name is XXXX XXXX, and she could be reached at XXXX XXXX XXXX XXXX, Ext. XXXX. The message she left said that a complaint had been filed against me, that I had been " serviced this morning '', and that she would be calling the human resources or risk management at my place of employment so that I can be served on site without incident. The work day is over and I have not been 'served '. She also called me at work today, and she called my employer as well. She also called a relative, and left a message. When I called the number left on the message, the recording said the name of the company is Bayview.
Product: Debt collection

( XXXX ) XXXX Specified Credit Incoming Call at XXXX XXXX  Notified that the call was being recorded. 
Stated to debt collector that letter that was sent was never received. 
Verified address over the phone 2 times. 
Asked for a new letter and debt collector refused to send over another letter. 
Asked for a certified mail letter and debt collector got angry and said No we are not sending you any certified mail. I proceeded to ask why not and just blatantly refused to mail me anything that is certified. 
I asked about the debt amount being collected and was very condescending and treating me in a childish manner when explaining things and said lets pull out the calculator and do some calculating. 
Was attempting to collect the debt and did not have the contract on hand and proceeded to get angry when I asked questions about what was the debt and did not want to pull the contract out. Started getting loud and refusing to send me a certified letter again and again and I ended the call by saying Goodby Mam Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I printed the form Annual Credit Report Request Form from the computer. I filled out a form for myself, my husband, my son, and my sister. I mailed them all onXX/XX/2023. 
From TransUnion my husband got his free report. My report and my sister 's report came back with a blank score. I called and spoke with a representative that told me I needed to go to a different web site. I told her, NO. My husband got his report from the form I filled out. She transferred me to another agent who told me the same thing. When I said no he said he would mail me a " complimentary '' report. That report arrived without the score just as the first one. Both reports stated I had not request a free report. 
My sister made a copy of her request and sent that back in, again, requesting her free copy. Same thing happened. Report with no score. 
TransUnion sent info to my son requesting verification of address. My son sent in proof requested. He, likewise, got his report with no score. 
All these reports from TransUnion wanted {$9.00} in order for us to get our FREE credit report which we are all still waiting on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that 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 information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$1200.00}
Product: Debt collection

Today,XX/XX/XXXX at XXXX Utah time, I recieved a summons from Express Recovery Services of XXXX XXXX, UT. At some point unknown to me, XXXX XXXX XXXX XXXX XXXX UT, hired Express Recovery Services to collect a medical bill debt from my wife that happened on either XX/XX/XXXXor XX/XX/XXXX. The problem is that we did not know Express Recovery Services or XXXX XXXX XXXX  were trying to collect for a bill due to my wife and I never recieved any kind of notice about the bill. Also, after some research of my own, I discovered that Express Recovery Services violated the " Notifying the Debtor '' clause of the FDCPA ( Fair Debt Collection Policies Act ) by not giving us a 30-day notice that there was a debt to be paid, the amount of debt, and ways to resolve it. Express Recovery Services, is suing my wife for {$520.00} plus fees and myself for {$220.00} plus fees. I believe that they are asking for more than the original amount and why I am included is wrong because I did not receive any medical services from XXXX XXXX XXXX. My wife was fully covered by medical insurance at the time of the service and the bill was most likely paid, but XXXX XXXX XXXX  sent us to collections anyway. We believe they are wrong for taking us to court because we had no knowledge of the debt.