23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX on or about XX/XX/XXXX on EXPERIAN. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX XXXX WA XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Mortgage

We have been trying to refinance our home but can not move forward because of Bank of America. We paid off a balloon with Bank of America but can not get them to show the balance as XXXX with the credit bureau. This issue has been continuing for XXXX months and is still not resolved. In the meantime, interest rates continue to raise and Bank of America continues to do nothing.
Product: Credit card or prepaid card

I attempted to use my Walmart MasterCard at XXXX on XXXX/XXXX/XXXX and the transaction was declined. I called Customer Service regarding the declined charge and was informed that it declined because they sent me a new card. I inquired why with the representative and she could not provide a plausible answer as to why a new card was sent. On XXXX/XXXX/XXXX, I received notice via mail that there was an address change on my account. I attempted to check my Walmart MasterCard account online and learned that my account was closed. I called Customer Service BACK as I did not request a change of address and wanted to know HOW someone was able to request an address change. The representative informed me that the thief used their automated system to request an address change. The representative would NOT provide me with the address that was given to them in Florida nor would they advise me on how the individual was able to do this over the phone. The representative also advised me that the card was reported lost or stolen. The thief was able to spend {$2500.00} on my credit card in Florida BEFORE they realized that the transactions were unusual. My address has ALWAYS been the same and almost all recent purchases show a certain state and city for trending purposes. My question is WHY did n't they contact me to verify this BEFORE they sent a new card to the " updated '' address? I find their policy regarding updating addresses and reporting cards stolen to be absurd and in need of changes as it is not FAIR to consumers that thieves can use this as a tactic to steal identities and credit card information. It is absolutely ridiculous that I had to answer several identifying questions before finding out things concerning my account when the perpetrator was able to simply dial in to the automated system, report a card stolen, and update an address.
Product: Debt collection

I fee l like it's a case of double jeopardy because I disputed back on XXXX and it was removed from my credit reports. I feel that they have violated my privacy this time for as soon as I removed the freeze from my credit reports they were attacking them once again. I never sign a contract with XXXX XXXX or Portfolio recover for this debt. I diputed it with XXXX XXXX and they agreed to dispute it also before it was removed. Ifeel the tactics used by Portfolio Recovery are very unethical and unprofessional.
Product: Credit card or prepaid card

Regarding Fidelity Rewards Visa Signature Card A small purchase ( {$40.00} ) was denied by card issuer on XX/XX/2018. My wife called card issuer customer service and was asked to verify her identity by answering multiple questions ( as usual, address, SSN, credit limit, etc. ) She was told that an unidentified individual had contacted the card issuer by phone on XX/XX/2018 and had made a change to the account in so far as a new personal phone number had been entered, and therefore fraud was suspected. The representative informed my wife that the card would be " blocked '' until one of the card holders could appear in a Fidelity office in person to verify the account. On XX/XX/3018, I personally appeared in the Fidelity office in our local community and in a conference call between myself, the local fidelity rep, and a credit card service company " fraud '' representative I was asked to review recent purchases. I was informed that two purchases had been made with the card on or about XX/XX/2018, one in the amount of {$990.00} which was clearly a fraudulent purchase. ( even though we had previously been told the card was " blocked '' ). The credit card rep then when on to verify account information including the " new '' personal phone number, which of course I identified as fraudulent. She stated the account would be closed as of that date and new cards with a new account number would be sent to us within two days. 
On the third day after that conversation no new credit cards had been received. I once again called customer service and the rep used tracking information to confirm that the cards had been delivered the day before. When I asked the rep to confirm the delivery address, I learned that the cards had been sent to a fraudulent address entered on the account on XX/XX/2018 at the time that the fraudulent phone number had been entered! And I would presume that the fraud complaint form was mailed to that address as well, since I have not received it at the correct address, thus alerting the " fraudster '' to the entire sequence of events! Clearly the second representative, who interviewed me in the Fidelity office, failed to verify or document all the pertinent account information ( specifically the account address ). 
Another account number and new cards were offered but after discussing the events with both the credit card fraud department and two supervisors in that department, I decided I did not want to continue as a customer and asked that the account be closed. I expect to have all fraudulent charges charged off but I do not as yet have confirmation. 
So the issue is " resolved '' but I think the errors made by two credit card representatives have put much of my personal information at risk. And the company informed me it was MY responsibility to alert my local police department to the fraud.
Product: Credit reporting

To All party involve Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD XXXX { XXXX } XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX, XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed the XXXXXXXX XXXX XXXX account about 1 year ago with all 3 credit bureaus from my XXXX XXXX credit report. My dispute letters dated XX/XX/2022, stating that this account was purchased/ sold to another lender. I do not owe money to this creditor and is being reported inaccurate as well. Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. This is what my dispute letter states to all XXXX credit bureaus. I'm stating now and again, please delete this account. There is no need to modify, verify or adjust anything. I don't owe money to this creditor. Please delete. See attachment for the dispute letter and credit report. I don't understand why do ya 'll allow companies to continue to report on consumers credit reports when they have sold the accounts to other lenders. When we dispute this matter, ya 'll always verify the account instead of removing the account. There is no more interaction between the original creditor and the consumer. I have a letter from a former original creditor that demonstrated what I am stating. If needed I can submit it for proof.
Product: Debt collection

I got a check in the mail so I cashed it now I 'm being harassed by credit Central saying I owe them I did n't apply for a loan with them
Product: Debt collection

I was not informed by the XXXX  provider attempting to collect debt that my insurance had not paid, despite their alleged submission for payment. The amount the debt collector is demanding, {$2600.00}, differs from what the XXXX office employee had previously stated I owed, which was {$960.00}. Despite promising to get back to me, the XXXX  office has failed to do so. The debt collectors have been incessantly calling my wife 's cell phone without leaving a voicemail. After receiving numerous calls, I called back and discovered that I am responsible for the debt. However, I was never informed by the XXXX  provider that I owed anything. Each time I went in for dental work, they informed me of the portion that my insurance covered and what I was required to pay. I always paid my portion before the work was done. It is unethical for them to continue calling me in for XXXX XXXX if I owed them money. They made me believe that my insurance was covering their portion of the bill, but now it turns out that they kept that information from me, resulting in an increased bill.In addition, the debt collectors claimed to have mailed a letter to us, but it was sent to an address that we haven't lived in for almost seven years. Documents sent to me do not match and or are not complete. Also, the XXXX  care provider sharing my info is a violation of HIPAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have five unauthorized hard inquiries on my credit report. I tried calling the companies directly who told me to call XXXX which directed me here. The dates are all from XX/XX/2020. Please help me proceed.
Product: Credit reporting or other personal consumer reports

Chase Bank credit reporting service is reporting inaccurate information on my credit report. My credit report shows inaccurate information on closed account as paid satisfactorily on at least eight on more accounts. Again, the accounts show, Paid satisfactorily '' on my credit report and this means to me that the account is current or has not been paid in full. As well as, the account shows that the information is NOT AVAILABLE. '' I find this information confusing to me. I believe, the accounts should say, " Paid in Full '' and not " Paid Satisfactorily. 
The accounts in question are XXXX Dept. of Ed, XXXX  Student Loan, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, JPMCB Card, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The mentioned students loans and credit cards are paid in full and should say on my credit report that the debts are paid in full regardless if the are opened or closed. 
I am in the need of your assistance to have above information corrected on my credit report at Chase Bank credit reporting service. 
I thank you in advance for your service.
Product: Credit reporting or other personal consumer reports

Recently i checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX CALIFORNIA XXXX XXXX Balance : {$1800.00} XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

on XX/XX/2021 this company opened a collection. 
Account # XXXX I have never signed and written document saying that I owe this debt to the collector. 

I do not know who they are and have not written consent from end. 

Also, they have not verified that I owe this debt to this alleged company. 

XXXX XXXX
Product: Debt collection

This company calls me at my work and Ive asked them to stop because Im not allowed to have personal phone calls at work.
Product: Debt collection

On XX/XX/2018, I've sent the dispute letter to Experian. 
Even though I explained this alleged debt, there was no change. 
Experian must delete this alleged debt with my evidenced documents as XXXX XXXX did. 
However, they just added one word, " Updated ''. 

For a brief explanation, The credit report issued by Experian contains incorrect & missing information on this alleged debt. 

1. At First, as you can see the attached document, the race of patient is written as XXXX. Im an 100 % XXXX person, not XXXX at all. This incorrect information makes this debt not trustful and unreliable. No one will believe this debt belongs to me. 
My parents both are XXXX  as well, even my grandparents too. 
XXXX and XXXX have so much difference in looking such as skin color, eye color, hair color, and etc. 
Assuming Id be related to this debt and be a real patient, it should have shown XXXX, not XXXX. 
Indentifying race between XXXX and XXXX is not a big problem. 
For your information, Ive attached the proof document that my race is regarded as XXXX. 

2. Additionally, there is no critical information in the document they provided. 
There is no SSN or any critical information. 
The FDCPA states they must cease collection activity until they have produced verification of the alleged debt if so requested. 
As per the FCRA, if no proof of debt exists, it may not be reported to the credit reporting bureaus. 

As shown above, I've requested Experian to delete the alleged collection debt. 
Along with the same documents I sent to Experian, XXXX XXXX has removed this debt on their credit report. This is not mine and I don't owe any debt to them. 

As a result of this dispute, they put just one word " Updated '' on the credit report. 

After getting the update, I tried to check what content or information was changed in my credit report. 
However, there was nothing. " Nothing '' was updated or changed at all. 
I have 2 credit reports by Experian. One is before sending a dispute. 
Another is the final version of credit report Experian just sent me after the end of dispute with it. 
There is no difference between 2 credit reports at all. 
I'm 100 % sure they didn't work at all with my dispute.

They just put the word " Updated '', and nothing was changed. 
I've tried to dispute this result. However, I was denied by them on their website. 

I've attached those 2 different credit report for a comparison and other proofs. 
Please request Experian to properly work as the law requires. 
Thank you so much for your work.
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries. I contacted the bureaus and asked him to delete them. And they did not do it..I 'm providing a identity theft. Report that I made and it would be attached to. This. Message. So could you please take that as well as delete these fraudulent? Inquiries off of my report. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account reported a late payment back on XXXX. This issue already got fixed by the store but only for XXXX. Please check your records and find this complaint in which you find an error and apologized for the late payment being reported. You stoped reporting this late payment only for XXXX but XXXX and Experian still reporting it. Please update your UDF ( Universal Data Form )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the CRA which has continued to report inaccurate account information and status as of XX/XX/18. 
I have filed online dispute yet they continue to report the inaccurate information over the last several years. 
Multiple accounts are not mine and I am not responsible for those accounts. 
2 other accounts are showing up written off when they were not and they have been paid in full. The dates reported of last payment is incorrect. 
2 Medical accounts are being reported that are inaccurate and were paid by insurance. 
The dates of when these were opened are false and without merit. 
I have asked for proof and they have not provided said documentation.
Product: Debt collection

Today XX/XX/2024 at XXXX XXXX  I contacted Vance and Huffman on a debt on my credit for {$180.00} for XXXX XXXX. I wanted to pay the debt and have it removed from my credit, she laughed and said it does not work that way and I was admitting to the debt, I said no but it is much easier to pay the {$180.00} on my collection than fight it. I then asked if they can do a pay for removal letter and she said no they refuse. So I said ok, I will have to call back and she said very rudely " ok we will update it as refusal to pay debt ". I said I called you to pay the debt in full and ask it be removed from my credit, you did not contact me, I am trying to pay but want it removed, if you are not willing to remove it, why pay it? And she hung up on me.
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. 

Account name : Account Name XXXX XXXX  XXXX # XXXX {$410.00} Account name : XXXX XXXXder {$520.00} 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 written instructions.

15 U.S.C 1681e. XXXX XXXX  ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 XXXX XXXX XXXX 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 to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Loancare first gave me false information about cancelling PMI when I reached 80 % LTV and five years of payments in XX/XX/XXXX. It took them 2 months of additional time to give me appropriate information. I then paid down the LTV to 78 % immediately and the company tried to apply the payment months in advance rather than against principal. They also informed me PMI would end automatically when I reached 78 %. When I followed up they just denied the request without providing any additional criteria. My original appraisal was $ XXXX and I started payments XXXX/XXXX/XXXX and I reached $ XXXX inXX/XX/XXXX. I have made all payments timely. I meet all requirements and the company is simply lying to me on the phone and sending denial letters at this point.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX XXXX, XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


( XXXX, XXXX XXXX XXXX, XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports