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

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent inquiries 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 inquiries 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 inquiries that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

In XX/XX/2019 I called XXXX XXXX of XXXX to ask if they were in network for my insurance, XXXX XXXX XXXX XXXX because my physician told me I should go to the emergency room. XXXX said that they were in network which meant they would accept what the insurance paid them and an additional co-pay of either {$35.00} for urgent care or {$100.00} for an ER visit. 

After I was treated and XXXX collected more tan {$1700.00} from my insurance company I learned that they had lied about being in network and subsequently began billing me {$210.00}. I contacted them and told then that I should only be billed for the {$35.00} copay since I was not admitted to the hospital. ( it is not my fault that their employees do not know what they are doing and are poorly trained and give out wrong information -- or that they instruct their employees to lie so as to make more money. ) They refused and threatened to put me in collections. That threat was obviously not and idle one.
Product: Credit card or prepaid card

I have 2 store cards with XXXX XXXX and I lost my job on XX/XX/XXXX and havent been able to pay the minimum balance. On one of the cards I suppose to have the CC protection that would protect me if I lost my job. I talked to XXXX around XX/XX/XXXX or so to ask for some type of payment extension because I otherwise pay early or on time and I pay extra. They refused and now I get at least 25-30 calls a week from unknown numbers and numbers with area code ( XXXX ) and ( XXXX ). It has gotten so bad to where I had to block the number and now I have 31 voice messages.
Product: Credit card

1-My business credit card was revoked for no reason and no one at Bank of America would give me a reason 2-the bank confiscated the {$600.00} XXXX XXXX  bonus I earned and wouldn't release it even after multiple attempts
Product: Debt collection

My wages are currently being garnished due to a Default Judgement entered on XX/XX/2008, as confirmed by the XXXX County Sheriff Civil Division. 
I was never notified of the Court appearance to dispute this debt or to defend myself against this lawsuit. 
This Judgement was issued without my presence or knowledge. 
In 2008 ; I was married, going by the name of : XXXX XXXX, which also was not noted In this Judgement. 
I have already filed a Motion To Set Aside this Default Judgement with the same Court. 
I have also contacted the original creditor, who have indicated that they were not a party to and have no knowledge of such a lawsuit or judgement.
Product: Credit card or prepaid card

Finance Institution : Continental Finance Card : XXXX  XXXX I have been attempting to have my undelivered credit card replaced for over 6 months without success. I called their customer service as instructed and they then directed me to the card replacement department. Here are the issues I experienced : - They did not send me a replacement card as they said they would. 
- When you call the card replacement services, they ask for your full card number which is not on your statement or online profile. 
- After several attempts calling their customer service to resolve the issue, they kept directing me to card replacement services. When you speak with card replacement services, they redirect you back to the lost/stolen department. 
- After asking me for my phone number to verify my account so they could send me a message showing they were sending me a new card, no message came through. So, the representative proceeded to tell me that I would have to talk to customer service because I didn't receive the " alleged message '' he sent. When I asked him which number he sent it to, he told me that he didn't have a phone number on my profile, and tried to redirect me to customer service. 
- When they originally said they were going to send me a new card, they charged me over {$100.00} for replacing the new card. 
- The company does not give you the option to cancel your card on their website. 
- When I spoke with the lost/stolen department and was not satisfied, I asked to speak with a manager. A woman gets on the phone and takes all of my information again and says that she would replace my card immediately. She stated that I was being transferred to card services. Music played in the background for 2 minutes before the phone just hung up. When I tried to log into my account after the phone hung up, it stated that I was blocked from accessing my account. 

This company is a total fraud that has been giving me the run-around for months. I would like for them to be investigated for fraudulent practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX  Account Number : XXXX Delete this account. 

5. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Debt collection

XX/XX/year> : $ XXXX requested for these to be disputed due to not being done by me but they are still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of credit fraud. I have requested under FDRC act to  obtain proof that I gave authorization for credit inquiries. The customer rep did declined to help me. Ive 3 different written letters to all three bureaus re : 16 inquires on my reports and nothing have been done. Ive called. Nothing. Help
Product: Credit reporting or other personal consumer reports

I was looking over my report and I noticed my American Express accounts ( personal & business ) listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 15 usc 1681e ( b ).

American Express : Outstanding Balance : {$2200.00} Account ending in : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Global Payments ( globalpay.com ) for access to my credit report. They replied Dear XXXX XXXX : We received your email dated XX/XX/. Global Payments is a provider of payment technology and software solutions in over 100 countries and, for most of our services, we do not maintain a direct relationship with consumers. You can find out more of our products and services on our website : https : //www.globalpayments.com. 

We are not a credit reporting agency. If you are looking to receive a free credit report from a credit reporting agency, you have contacted us in error. If you have a business relationship or account with Global Payments, please provide additional information about your account to enable us to assist you. 
Product name ( s ) that you believe contains your personal information Merchant or Customer ID Regards, Global Payments Privacy Office
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting shows I have a balance due. This always paid off every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The following accounts have violated my rights : 1. XXXX XXXX Account XXXX : XXXX 2XXXX XXXX XXXX XXXX  Account Number : XXXX 3. XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

For over a year I have tried to resolve issue with company making false claims on my credit report. I do not have any contract with company that continues to put a claim on my credit reports. I have asked credit bureaus to supply me with the contract I supposedly have with my original signature, etc. but they advised me to file a complaint with your organization. 
This company is making false claims which has caused me harm and financial hardship. I tried to make contact and asked for proof of claim ( contract with original signatures, etc ) and they have not responded. They have continually misrepresented the nature of the debt, the amount, etc. and are using unfair and deceptive practices by harassing me through my credit reports. 
This company is guilty of UNFAIR PRACTICES. The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts from you, including : Misrepresenting the nature of the debt, including the amount owed. 
I demand that this company remove any claims that are on my credit report immediately.
Product: Credit reporting

I have had a state tax line filed on my credit report in XXXX XXXX. While I was living XXXX I had no knowledge of any unpaid taxes. Upon my return to the US, in XXXX XXXX, I paid all taxes and fees. I was under the impression that according to FCRA the lien was supposed to be removed after 7 years of filing. Once the lien was paid and released, i contacted all credit bureaus - XXXX, Equifax, XXXX. The only agency that removed the record was XXXX while the other XXXX refuse to do the same. please help.
Product: Credit reporting or other personal consumer reports

I sent this company several letters asking them to investigate my disputes. And to send me validation of the debt. They keep sending my letters back and not investigating my disputes. This account is reporting as verified and accurate but How? The address I sent the letters to is the address that is listed on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureaus documenting several errors on my reports. They ignored my letter and have not fixed the problems.
Product: Credit card

A little over two years ago, I had a Macy 's department store card. Then I suddenly received a new Macy 's card with an Amex logo on it. I assumed it was meant to replace my old store card because there was no other explanation in the envelope and it arrived looking just as replacement cards do, so I started using it. Luckily, it was only a small purchase I made, but it turned into a massive issue because I never received the bill. I was used to getting my department store statements online per my request and I did n't realize so much time had passed until I started getting calls from collection agencies. It turns out that Amex claimed they had n't been able to send me my bill and it was months overdue. Someone finally explained to me that I was dealing with XXXX separate cards and XXXX separate bills. I was furious about them opening a new card for me and then not even transferring my billing/contact information along with it. I finally got a Macy 's rep to straighten things out and I demanded that they fix things with all XXXX credit bureaus too. Then I demanded that they close every account related to me. They agreed. Last week, I received a letter fro Macys Amex saying that they have n't been able to email me my statements so they 're canceling my online preference and will start sending me paper bills!! This account was supposed to be closed two years ago! Is it not illegal for a company to issue me credit card without asking me? It must impact my credit if they check my score before issuance. What 's more is I 've had that unused credit sitting idle all this time. I have n't been able to figure out how it has affected my credit score over these last two years! I 've been emailing and calling them but no one can explain what happened and they 've just stopped communicating with me. I want them to fix this with the bureaus. I do n't think I should have to do it. Today I got a generic letter saying that my account has been closed, but it should 've been closed 2 years ago! What 's more is that the letter says that they 'll report the closure to the bureaus, but it will report it like a regular closure without explaining that the card was n't requested by me. How can this not damage my credit? What path of recourse do I have? Has this been illegal activity on Macy 's part? I would really appreciate any help you can offer. To be clear - this issue is with both Macy 's American Express ( for opening a card without my consent and not closing it upon request ) AND Macy 's ( department store ) Credit Card ( for not closing my account at my request ).
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

SYNCB/XXXX XXXX XXXX XXXX. XXXX, 2021 XXXX ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information SYNCB/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions they must have qritten consent to give info out.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant of inaccurate late payments I reviewed my Consumer Reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX : ( XXXX ) Please investigate and provide Proof with statements showing that this payments were late. If proof can't be provided I demand these payment be updated to " on time '' as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Transunion numerous times by phone and mail when you call your routed to some foreign country where you are just routed from operator to operator with no knowledge of your issue... Im disputing a Public record that's reporting on my Transunion consumer file that is incorrect Ive filed with attorney general, contacted the Courts and there is no finding of a public record ... CASE NUMBER XXXX
Product: Debt collection

On XX/XX/XXXX, LVNV Funding/Resurgent Capital services received a debt validation letter from myself. LVNV Funding/Resurgent did not validate the debt that LVNV Funding allegedly claim l owe. As a result of that failure, Resurgent also received a letter demanding the deletion of the alleged account from all consumer reporting agencies on XX/XX/XXXX. 
Under the provisions of the Fair Credit Reporting Act 611 ( a ) | 15 USC 1681i ( a ) l, disputed items must be validated or deleted and removed from my credit record within 5 days. LVNV Funding/Resurgent have triggered Privacy Act violations U.S.C. 552a ( g ) ( 1 / ( A ). LVNV Funding neglected to respond or comply. LVNV Funding has obtained my personal private information including but not limited to my social security number, outdated addresses, names, and phone numbers which is a violation of the Privacy Act because LVNV Funding or Resurgent Capital does not have a certified document granting them permissible purpose to furnish anything about me or to have my information for that matter. I did not give LVNV Funding or Resurgent legal permissible purpose per FCRA. LVNV Funding is a known junk debt buyer.

Per 15 USC 1692K Civil liability, LVNV Funding is now liable for violations that they have carelessly committed. These behaviors are also considered abusive and harassing. I am aware that LVNV Funding was sued before for abusive and deceptive practices and behaviors towards past consumers. 

Now, I am being harassed by another debt collector by the name of XXXX XXXX XXXX who contacted me by mail in XX/XX/XXXX for this same alleged debt. Who owns this alleged debt when no company has provided the ORIGINAL PURCHASE AGREEMENT? No company has provided this information, therefore the reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. * 1692e : Use of false, deceptive, or misleading representations. * 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Product: Credit card or prepaid card

I requested a balance transfer from my husbands XXXX XXXX XXXX to my Goldman Sachs credit card account. The {$450.00} payment should have been sent to XXXX XXXX XXXX XXXX but was incorrectly credited to XXXX XXXX XXXX XXXX. 
This was the second balance transfer payment to this account, as the first one, for {$450.00} that posted to XXXX XXXX XXXX XXXX did not post for several weeks and after speaking with XXXX who advised to stop payment on the check as it hadnt posted, ended up posting a couple of days later, then the payment was sent back due to the stop payment. 
I have spent the last 3 months trying to get this issue resolved and neither XXXX nor Goldman Sachs will correct the issue. They keep bouncing me from person to person and ultimately say the other bank is responsible, even though they have the information and account number of where the payment was incorrectly posted to. 
I am overdrawn on my XXXX credit card due to this error because they originally credited me, then removed the credit. In the meantime, I issued another balance transfer to Goldman Sachs to cover the original one that was issued and then reversed.
Product: Credit card

I received a letter from Wells Fargo that my card would be closed soon due to inactivity. I called a rep from Wells Fargo customer service back in XXXX as I was having issues with the card not working and I needed a new card to keep the acct open/active. She mentioned that the card was about to close and if I wanted to keep the account opened. I informed them yes and would wait until the new car was received in the mail. Two weeks later, I received a credit alert that Wells Fargo closed the card and I never received the new card. This has caused my revolving usage to increase significantly and my credit score to drop. I never received any communication from Wells Fargo and when I called about this information they replied saying it was too late to reopen the account. I was informed that I would have to apply for a new credit card. I have asked for this to be escalated and have yet to receive a call back. I have had the credit card account for over 15 years and my credit score/history has been significantly impacted as a result.