23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX/XXXX/2015 I purchased a refrigerator from Sears. They gave me a discount for signing up for their XXXX XXXX. I never received a bill, statement, late notice, etc. on this account. I never even received the XXXX XXXX. All my bills are paid by " auto pay '' and I simply forgot about this bill. The collection agency mentioned my previous address so my speculation is the correspondence was sent there. I did not give this old address to Sears, I can only assume they found it on an old Sears " XXXX '' account that I use to have. If they did send it to this old address, then the company should share blame for not doing due diligence and catching this mistake when they approved the loan. 
XXXX contacted me on XXXX XXXX to inform me this account had been turned over to them for collection. I immediately paid the amount due in full ( including penalties ) from my checking account and the check cleared my bank the next day. 
I am XXXX years old and I have never missed a payment in my life. If Sears had sent me a bill or late notice, this account would have been paid
Product: Debt collection

I have been contacted 5 times in the last month concerning a debt that is not mine. I informed the first caller on XX/XX/XXXX that I was not the person named and at the time told them not to contact me again. I received 4 calls since then and the missed call on XX/XX/XXXX. I returned the call and again told the person answering that I was not that person Midland Credit was trying to reach. I asked what the calls were for and was told to collect a {$900.00} plus debt to XXXX XXXX XXXX XXXX. I told them that I currently have several accounts with XXXX XXXX and my credit card was in good standing. I then told the person not to call again. They replied that my credit score would be affected if I did not pay. I reiterated that I owed no such debt and said not to call me again because I was on the NO Call List. The person then hung up.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries appearing on my credit report due to my involvement in a recent data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am asserting my rights as a victim of identity theft and demanding that the following accounts and inquiries be permanently removed from my credit file : Fraudulent Account : XXXX XXXX XXXX - Account No. : XXXX Open Date : XX/XX/XXXX | Balance : {$XXXX} Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I informed in writing to WELLS FARGO CARD SERVICES that it is an unauthorized inquiry on my consumer report without my written consent.
Product: Credit reporting or other personal consumer reports

Subject : Remove of Fraudulent Account from XXXX XXXX Dear TransUnion, I am writing to formally dispute a fraudulent account that has been reported on my credit report by XXXX XXXX. The account in question is a credit card that was opened on XX/XX/year>. This account was opened without my knowledge or authorization, and I am requesting that it be removed from my credit report immediately. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and under 15 U.S.C. 6802, I request that TransUnion take the necessary steps to investigate this matter and remove the fraudulent account from my credit report. Please find attached a copy of my identification and any other documentation that may assist you in verifying this claim. 

This matter is urgent, as this fraudulent account is negatively impacting my credit score and financial well-being. I would appreciate your prompt attention to this matter. Please confirm in writing that this account has been removed from my credit report.

Thank you for your immediate attention to this matter. 

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

I had an account with XXXX that was reported at {$0.00} and closed who is the only other party on original contracts for both contracts of {$1700.00} and {$1000.00}. I then received a new balance from a different company by the name of US DEPT OF EDUCATION which are reporting two different balance for the same contact. I have never had a account or contract with this company nor did I authorize the company to use my person and private information. This is fraud and misrepresentation of my accounts. " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists ''
Product: Credit card

My problem is with TD Retail Card Services. My husband purchased me a ring on a special finance ( 0 %, interest deferred ). He than traded it up 6 months later, they had a special of 8.9 on that. I am making payments on line, At the time of the payments I send an email requesting them to allocate the extra XXXX all to the account that I have indicated in the email ( deferred interest account ). They have yet to do this since XX/XX/XXXX payment. I have sent numerous emails and called. Since my husband obviously did the purchase with out my knowledge ( they were gifts ). They would n't speak to me by phone, I was hung up on twice while I was trying to get my husband on the phone to authorize me to speak with them. I got the same Representative 2 times before my husband could actually tell them to please speak to me to fix this. She then put me on hold until it disconnected me. when i called back and spoke to a supervisor, the supervisor refused to speak to me with out speaking to me husband. Even though the person that hung up on me twice was there and could verify that she has just got his authorization. This is 4 months of trying to get this repaired. I pay on time and always extra. I have about XXXX emails to there customer service along with sending in by fax all of the back up with proof we have been trying to take care of this mess. I cant even get someone with authority to contact us back. They could easily call my husband. We have had no luck even getting through when we are in the same place at the same time. AS FOR LOSS OF MONEY ... We will have to pay an extra XXXX in XX/XX/XXXX and all the interest it keeps accumulating, because instead of putting XXXX towards the account they are only paying XXXX. At that rate it will be well over XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 
Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 
These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any turner harm to my financial well-being.
Product: Credit card

I check my current credit report and saw there are some inquires on my credit that does not belong to me on my TransUnion, XXXX and XXXXXXXX XXXX XXXX XXXX Bank ) XX/XX/202XXXX XXXX XXXX ( Bank ) XX/XX/2024 XXXX OF XXXX ( Bank ) XX/XX/2024 XXXX OF XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/2024 2024
Product: Mortgage

I contacted the mortgage company when I noticed on my statement that my additional principle payments were being held in a suspense account instead of being posted on the day it is received. I make all of my payments through my banking bill pay. I make my regular payment on the XXXX of the month and then an additional payment to principle on the XXXX and XXXX. They are holding additional payments and posting them on the last day of the month. The loan interest is calculated on a daily basis, therefore they are charging me interest on the balance excluding my payment being held through the end of the month. Then they add these additional interests to my balance before posting my payment. They should be posting my additional payments to the principle on the day it is received. I called them to ask why this was happening and they told me this is their policy and if I make additional payments, I have to call them directly, mail it directly to them, or to do it on their website only. They said they would NOT post additional payments coming from my bank on the day it is received to my principle balance. I then tried to make additional principle payments directly to their website but it will not accept any, the website will only be accept it with an additional monthly payment. Please help! XXXX XXXX
Product: Credit card or prepaid card

I have a credit card with Elan Financial Services. My complaint is regarding their payment structure. When you make a payment, the payment is applied to lowest APRs, including promotional APRs, then to higher APRs. This is only disclosed on the initial balance transfer and not even displayed on the credit card statement or as part of their minimum payment warning. So when I made a balance transfer with a promotion of 0 % APR for 18mo, I was not aware that all my payment where not being applied to the Purchase, which resulted in the purchase amount owed to increase significantly and now I owe more than the initial amount charged. They also dont allow you to make payments to the higher APRs, which is a complete rip off and defeats the whole purpose of the balance transfer with 0 % for promotional period. This payment structure is deceiving and is set up to only benefit this institutions by allowing they to rack up interest significantly overtime and theres no way out of it unless you pay the full amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account used to say open and delinquent after XXXX. When in fact I traded my vehicle in XXXX for another vehicle. Had that investigated by Equifax and was updated to delinquent and included in Bankruptcy. Ask Equifax to reinvestigate it XXXX years ago. Was never included in my Chapter XXXX bankruptcy that was discharged in XX/XX/XXXX. Still paid a note a traded it in XXXX for another vehicle. When checking Equifax credit report again for XXXX, it still saying reinvestigation in progress and included in Bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted countless claims against XXXX XXXX because they threatened me with foreclosure when I have never been late on my mortgage. 
In this complaints attached documents, I have shown my complete payment history that proves I have never been late on my mortgage. 
I even have a letter from XXXX stating that I was not late on my mortgage attached to this complaint. 
Currently, XXXX  is once again showing a 90 day late for XXXX. All three credit bureaus are not reporting that I am making my payments. Experian does not show any of my payment history for over a year. 
I am trying to buy a home, and this inaccurate information is hurting my credit score, and preventing me from being able to buy a home. 
Lastly, XXXX increased my mortgage payment by {$75.00} for no reason. They did not provide a reason for increasing my mortgage payment.
Product: Debt collection

Using the information provided by Cedars Business Services I was able to determine the following : -I purchased an item ( a porch chair ) on XXXX from a seller who, unbeknownst to me, ordered the item from XXXX in my name. 

I paid the XXXX seller via the XXXX payment process -The item was shipped to me. Unbeknownst to me, the item was shipped to me by XXXX. 

-The XXXX seller tried to convince XXXX that the item was damaged. The XXXX seller did not pay XXXX for the item. 

-I was a good-faith purchaser of the item.

-I communicated my findings to Cedars Business Services in writing multiple times.

-I offered to assist Cedars Business Services in any way I can so that they can pursue the XXXX seller. 

-Cedars Business Services has ignored all information I provided to them. They continue to demand payment from me, the good-faith purchaser.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me with a copy of verifiable proof, you must DELETE the accounts listed below. 

I demand the following accounts be validated or DELETED immediately : - XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXX, Amount : {$3600.00} ) - XXXX XXXX XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Amount : {$17000.00} ) - XXXX XXXX ( Account Number : XXXX, Amount : {$2800.00} ) - XXXX XXXX ( Account XXXX, Amount : {$13000.00} ) - XXXX XXXX XXXX Account Number : XXXX, Amount : {$13000.00} ) $ - XXXX XXXX  XXXX ( Account Number : XXXX, Amount : {$3100.00} ) - XXXX XXXXXXXX XXXX ( Account Number : XXXX , Amount : {$9900.00} ) - XXXX XXXXXXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX {$39000.00} ) - XXXX XXXX XXXX ( Account Number : XXXX, Amount : {$18000.00} ) - XXXX XXXX ( Account XXXX, Amount : {$810.00} ) - XXXX XXXXXXXX ( Account Number : XXXX, Amount : {$3000.00} ) - XXXX XXXX XXXX XXXX XXXXXXXX ( Account Number : XXXX, Amount : {$27000.00} ) - XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX, Amount : {$18000.00} ) XXXX XXXX ( Account Number : XXXX, Amount : {$81000.00} ) - XXXX XXXX XXXXXXXX ( Amount : {$6000.00} ) In addition, DELETE all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Mortgage

I contacted Caliber mortgage company a week shot regarding my mortgage that is due is 15 days. I told them that the world was affected by the corona virus and pretty much all work has come to an complete stop including mine. 

Im reporting Caliber mortgage company because they have no compassion towards what this epidemic has done to me and the world. XXXX XX/XX/XXXX/ XXXX XXXX has given their customers deferred payment options from 3-12 months which payment is pushed to the back of your 30 year plan.. 

Caliber mortgage ONLY offer 3 month forbearance which they compile all three months plus the new payment to be paid the fourth month.. no one is allowed to work during the corona virus outbreak so why are customers being penalized for this epidemic..
Product: Debt or credit management

I am writing to report an incident of fraudulent activity perpetrated by XXXX, a telecommunications company. On XX/XX/year> I discovered that a charge of {$440.00} had been placed on my credit file without my authorization. Upon investigation, it was revealed that XXXX was responsible for this unauthorized transaction. I called XXXX, and I was informed that they did not have any information on the file. 

I promptly contacted XXXX 's customer service to rectify the situation, but I encountered significant obstacles in resolving the issue. Despite providing evidence of the fraudulent charge and requesting its removal from my credit file, XXXX failed to take appropriate action. 

As a consumer, I am deeply concerned about the security of my personal information and the integrity of financial transactions. This incident has not only caused financial distress but also eroded my trust in XXXX as a service provider. 

I urge the Federal Trade Commission to investigate this matter thoroughly and take necessary actions to hold XXXX accountable for its negligence and fraudulent practices. Additionally, I request assistance in expediting the removal of the unauthorized charge from my credit file and restoring my financial security. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent MIDLAND CREDIT MANAGEMENT a debt validation and cease communication letter under the Fair Debt Collection Practices Act ( FDCPA ), formally disputing the debt and requesting validation. I also requested that they stop reporting the debt to the credit bureaus until the matter was validated, as required by law. However, MIDLAND CREDIT MANAGEMENT has failed to respond to my validation request, and the negative item remains on my credit reports.
Product: Credit reporting or other personal consumer reports

There is a repeated plea for the furnishers XXXX XXXX XXXX XXXX  and XXXX XXXX to produce information used in verifying the fraudulent accounts, however I have not received any information from either party since XX/XX/2023. Section 623 ( a ) ( 6 ) states that a furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher knows or is informed by the consumer that the information is correct.

I have not informed the furnisher that the information is correct. Therefore if the furnisher knows, then the furnisher is obligated by law according to 12 U.S. code 5533 to give the consumer their rights to access information upon request. My rights are repeatedly being denied and ignored.
Product: Credit reporting

Trans Union I sent out letters to Truns Union about charges off that do not belong to me come back unpaid bal some used the cards and the wrong name on the cards they will not take them off also my information was used by someone what I get from Trans Union the run around if keep up I will take legal action they do not keep up with laws and just gave me the run around. Also the accounts went to collection company they are being sued.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX Employer - XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BE REMINDED BY THIS LAW/VIOLATION : Under 15 U.S.C. 1681 Section 602 A, I am entitled to privacy. According to 15 U.S.C. 1681 Section 604 A ( 2 ), a consumer reporting agency is prohibited from providing an account without my explicit written permission. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) stipulates that no consumer reporting agency may include in a consumer report any negative information, other than criminal convictions, that predates the report by more than seven years. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or should reasonably suspect that the information is inaccurate.
Product: Checking or savings account

About XXXX months ago my daughter babysitter started using my pc and extra phone to fill out application as well as to have a phone because she didnt own a cellphone, she had access to all my financial information, emails, banking as well as apps! Ive known her for years and trusted her! I didnt notice anything until Sunday XX/XX/23 when her mom called me and ask me was I letting her use my card to order clothing my answer was NO she only has the right to order food and thats it! Her mom told me that she was ordering items and shipping them to her friends house upon looking through my accounts I see she has been ordering items some 3 times in a day. I did NOT authorized her to use my accounts or cards to make any purchases other than XXXX or XXXX XXXX anything else she had NO rights! I have my police report, I have put in a dispute with all of my banks I bank with Chime is the only bank that hasnt giving me my money back i have sent in my police report and all info about the other banks! They take all of 10 minutes to come back and tell me there is nothing they can do the first day i tried to put a claim in someone had made 2 extra purchases and I called them to tell them and again they told me it was nothing they can do!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried having the credit bureaus remove a collection account from XXXX that is not mine. I need to have this removed ASAP. This has been affecting my ability to qualify for loans.