23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I discovered what I believe to be an unlawful increase in my annual percentage rate somewhere between the dates of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Two things occurred during this time ; first a large payment of {$1500.00} was made and second, the impending sale of Washington Mutual to Chase. I was never notified of any increase to my APR by Washington Mutual or Chase. If I had, I certainly would have cancelled the credit line immediately and paid off the remaining balance. I continued to pay my bill each month but unfortunately, I was not aware of any change till XXXX of XXXX, at which point I made several calls to Chase. In these conversations, I informed Chase I would no longer make payments till this error was fixed and all interest collected recalculated. At this point the balance on the account was {$660.00} and the total interest accumulated since the increase to my APR was {$390.00}. I informed Chase I would gladly pay the total less the interest, cancel the card and move on. Chase 's customer service could not answer any questions regarding the matter and I was essentially at a dead end with my dealings with Chase. Since I refused to pay until Chase either cooperated in answering questions regarding the change in APR or come to an agreement to settle the account, the account went on collecting interest and fees and at some point the balance reached {$960.00} and I believe they charged off the account. 
I 've since had a few correspondences with XXXX XXXX in the Executive offices of Chase. 
And here is the gist of those. 
She said they ( Washington Mutual ) were justified in raising the interest rate to a default APR under section XXXX " you fail to pay any amount due to us under this Agreement or any other agreement. '' There are two things I would like to point out. 
1. I did not " fail '' to pay. The payment was made. It was " late '' by a couple weeks, however nowhere does it say that I ca n't make a late payment. ( Note that it was n't even 30 days late and never was ). 

2. The second thing I would like to point out to you is under section XXXX ; " If a change is made that increases the APR or APRs that apply to your Account, you will be given an opportunity to avoid the change by closing your Account and paying off any existing balance under the terms in effect prior to the change. '' Washington Mutual did NOT give me the opportunity to do either of these things. 

Chase continues to report negative information to the credit bureaus which has cost me thousands of dollars due to increased interest rates on things such as my mortgages and car loans.
Product: Credit reporting

I sent this letter to Equifax on XX/XX/XXXX, but they have not responded yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was never resolved is NOT A DUPLICATE COMPLAINT! THEY have not provided any proof or accurate verification therefore under the FRCA they must delete inaccuracy information from the report. This have not take place to date.They was more than enough time to gather the requested information and source. THIS NEED TO BE REOPEN or resolve immediately. Forwarding the complaint to the company is NOT acceptable. They need to take necessary action. Thanks in advance
Product: Debt collection

Receivable Management Group , Inc. 
XXXX XXXX XXXX, # XXXX, XXXX, Ga : Agent XXXX XXXX, is doubling multiply provider accounts into XXXX account and listing as total debt under XXXX account, i.e. XXXX, XXXX XXXX XXXX statement dated XXXX/XXXX/15 {$560.00}. I called XXXX XXXX XXXX asking how can this be. They have no record of owing no more than {$39.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown information on my credit reports.It has been 60 days and I have not received and type of response from the credit bureaus. I feel as if Im being taken advantage of and my disputes are being ignored by the credit agencies. Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. At this time is has currently been over 60 days and these items should be immediately removed and deleted promptly per section 611 ( a ). I demand these accounts be deleted immediately or I will file for litigation due to stress that has been caused by this matter. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Money transfer, virtual currency, or money service

XX/XX/22 Had bed for sale on Marktetplace and rec inquiry from individual. States I needed to put XXXX into her account as a business to business transaction to avoid her loosing the XXXX for the bed. The email address was different than the bank account. I did not think that this was right but unfortunely I did what was asked. I had only used XXXX 2 times previously. I called PNC bank and she immediately advised this was a scam so I was to call and file report which I did. Then I got a letter stating my request for reimbursement was denied by XXXX. I called them again and asked for review to be done. They advise me that I am to do transaction only with people that I know. After the fact I received XXXX  routine information on scams. Not proactively but after the fact. I asked why a bank would be in partnership with XXXX and informed they are not but I am now aware that is not accurate. 
Once i knew this was a scam I sent a text back to the individual informing I knew what she was doing and she blocked me. 
I am requesting assistance with this as I am aware of the increase in this activity and the bank is responsible since they are part of the XXXX XXXX XXXX XXXX with several other banks. They are responsible to be proactice. They were very aware of the scam when I called but not willing to overturn. I do not know this person that did this. I have no relationship with her. I would appreciate assistance on what can be done as the bank appears to not be willing to help. They very likely have accounts to cover scams and the number is rising so I would think they would be doing everything possible including not being part of this LLC with the issues. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has violated both FDCPA and Fair Credit Reporting by adding back a fraudulent account to my credit report simply because the fraudulent creditor called them. I mailed out a certified packet which I have attached here confirming this is account was opened fraudulently without the proper authorization. XXXX XXXX then deleted One Main Financial the fraudulent account opened without my signature or that of my POA only to add them back on 4 days later simply because the creditor called them. At this point I have retained an attorney and have multiple causes of actions against XXXX XXXX for adding this fraudulent account back on my report. They refused to delete it and block the creditor even with a security freeze. The same attorney will also be suing One Main. Everyday that this information remains on my report is a daily damage to my persons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've notice unauthorized inquiries on credit report and notice that someone may have applied to something in my name. I have sent Multiple disputes to remove these hard inquiries they are fraudulent and I want to get them removed.
Product: Credit reporting or other personal consumer reports

Hello, Please completely remove me as authorized user from the XXXX  XXXX XXXX credit card attached. 

Please completely remove this tradeline from XXXX, Equifax, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please have this handled as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this bureau regarding ALL the unauthorized hard inquiries reporting on my consumer file that I DID NOT AUTHORIZE. They never contacted me back with any answers, they never removed the hard inquiries and their customer service would not help and take care of the negative inquiries reporting to your credit report. This inaccurate information they are reporting is hindering me from being approved for any loans or future credit. I need this investigated and these hard inquiries listed below removed immediately.XXXX Inquiry : XX/XX/XXXX. 

XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX 2 Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX Inquiry :XX/XX/XXXX. 

XXXX Inquiry : XX/XX/XXXX. 

XXXX XXXX  Inquiry : XX/XX/XXXX.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 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: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXX XXXX {$5700.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  # XXXX XX/XX/XXXX XXXX XXXX  {$890.00} XX/XX/XXXX -- Inquiries -- XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed these accounts numerous times to The creditors and the credit bureaus and they still refused to remove it of my transunion report. Im attaching my police report and Irs letter for proof of identity theft Also I need all of these fraudulent accounts to be removed immediately and the inquiries listed below Comenity Capital Bank/Forever21XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. ALL TO BE REMOVED OF MY XXXX AND XXXX CREDIT BUREAUS!!
Product: Debt collection

I was notified recently there was a charge off from XXXX XXXX XXXX/XXXX while attempting to acquire a home loan.  I contacted the lender and we agreed to a settled amount.  I asked that the item be deleted from my account as I never received notice of the outstanding debt via certified mail.  They refused.  They were only willing to show the debt as paid for less than outstanding amount.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account name XXXX XXXXXXXX XXXX Account number 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 : Also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

No contract signed nor consent given by me, HIPPA violation XXXX
Product: Debt collection

This said debt was open XXXX XX/XX/XXXX belonging to my ex-wife which whom I had been divorced since XXXX. I sent out a dispute letter but im still being reported to the credit bureaus
Product: Mortgage

Freedom Mortgage has been getting additional funds from me for the duration of this loan, since XX/XX/2015. Due to the fact they took my over payment which is supposed to go to principal and applied it to their legal fees without my knowledge, I asked Freedom Mortgage for a complete checks and balances statement showing where every penny I sent them since XX/XX/2015 has gone. I have not received it and I do not believe they have any intention of getting it to me.
Product: Mortgage

Carrington Mortgage Services, LLC failed to send escrow change information and invoices to me that reflected a payment change due to escrow change in XXXX 2016. They failed to call or make any attempt to contact me from XXXX to XXXX 2016. During that time they took the monthly mortgage payments that I was automatically making and misappropriated the funds, putting the money into holding rather than applying it to the proper accounts. When I received a certified foreclosure notice I immediately called them and initiated an investigation into the issue. My bank has provided proof of all payments being made on time and Carrington Mortgage Services, LLC has given no good explanation as to why they did not attempt contact or why they did not apply funds to the account appropriately. After a month of letters and phone calls they now say that they have corrected the issues and removed the late fees, however they refuse to correct credit reporting information. They maintane that I made late payments in XXXX and XXXX 2016. I have provided proof from my bank that all payments were made on time and in the amount that I had been made aware of. As this issue was solely the result of Carrington Mortgage Services, LLC mishandling my escrow account I have closed the escrow account and removed their ability to change any further payment amounts.
Product: Debt collection

CREDENCE RESOURCE MANAGE IS REPORT NEGATIVE AND FALSE INFORMATION ON MY CREDIT REPORT! REMOVE THESE ITEMS FROM MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been calling for the last couple of months in regards to the XXXX  breach. I 've been calling last week to no availability in regards to the XXXX  breach. I 've been disputing for months about these collections and inquiries. I have sent dispute letters along with updating my address and employer. I asked for validation from creditors they sent copies of a bill with a totally different social security number. XXXX XXXX XXXX is one of them. I have called several times they have the last 4 of the ssn as XXXX where else mine is XXXX. I have several unauthorized inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. Charged off accounts that I have already paid the beginning of this year and have asked to be deleted since I have paid them that are still showing up negatively on my credit report. I have paid my XXXX  medical bill for XXXX, XXXX XXXX credit card that was sent to XXXX XXXX, my XXXX XXXX credit card, XXXX ( XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX. I have accounts that I have disputed several times on all credit reports along with the social security number XXXX that is not mine along with accounts that I was n't aware I owed XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have sent validation letters to all 5 companies needing proof that these debts are mine. I have yet to hear anything back I 've also sent this in the beginning of the year. I demanded to see verifiable proof with my signature on file for those accounts. Under the FCRA unverified accounts must be removed if unable to provide me with an copy. I have n't received a copy yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello In XX/XX/XXXX I was involved in hurricane Michael and lost my home and my job for about a month or a little longer. I contacted XXXX XXXX  and they allowed me to make payments when I could and said due to my circumstances it wouldnt affect my credit. I was in contact with them for months. Well in XX/XX/XXXX XXXX XXXXl was bought out by XXXX XXXX XXXX XXXX. I wasnt notified well let me clear that up I want aware due to still not having a home so I didnt get any mail. Fast forward when I found out in XX/XX/XXXX due to me checking my credit card I saw I had received a late payment remark. I called around and ended up getting in contact with someone at XXXX XXXX. They told me to make a payment to get things cleared up after I told them my situation and the agreement I had with XXXX. I called XXXX XXXX again in XX/XX/XXXX since I was due for a deferment and I was told again it wouldnt affect my credit. I made a payment in XX/XX/XXXX. XXXX XXXX made another mistake by hitting me with XXXX  30 day late payments on XX/XX/XXXX and XX/XX/XXXX. I have contacted them several Times to fix this and they have refused. I finally decided to send a letter To the credit bureaus on XXXX. XXXX to verify my late payments that were put on my credit report falsely. Equifax out of all 3 bureaus are they only ones who have responded since XX/XX/XXXX. They did not send me anything that they verified the late payments Were made. They only sent a letter back saying yes we verified. I have never denied that the XXXX XXXX account wasnt mine. I sent two certified letters asking them to verify and check and remove the late payments of XXXX XXXX failed to send over proof that all of the missed payments were made. Equifax has failed to provide proof of my rights. XXXX  and XXXX  has not even responded to my letters that I sent in XXXX and in XXXX by certified mail. Im asking my late payments to be removed if XXXX XXXX XXXX  fails to yet again provide the proof that all of the XXXX late payments are accurate. This has really affected my life and giving me a chance to give my kids a place to live. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including my name, social security number, address, birthdate, etc., resulting in a data breach in XXXX XXXX. Equifax confirmed I was affected by this breach per their " Potential Impact '' site XXXX. 

Equifax put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. Equifax is further attempting to capitalize on its gross negligence by encouraging injured parties to register for " trial periods '' of their ID protection services, defrauding these injured parties with hidden subscription fees that are imposed after the trial period expires, as well as with terms of service that waive customers ' rights to sue the company for criminal negligence/fraudulent behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a VICTIM of credit inquiries on my credit report. I am a victim of credit fraud and I have inquiries on my credit report that has not been removed after contacting TransUnion on numerous occasions. I have also contacted the companies that these inquires have been made with alone with a police report. I have listed the below companies and dates that they have made inquires on my credit. Customer service would not help and take care of the negative inquiries reporting to your credit report. 

Inquiry from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX, XXXX Online Info XXXX XXXX NC XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX GA XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX ( XXXX ) XXXX Inquiry form XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry from XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.