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

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Transunion on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Transunion in over 45 days I will be suing Transunion in XXXX business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit.. 

XXXX XXXX XXXX XXXX - XXXX of information resulting from identity theft XXXX XXXX ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

These following accounts are fraudulent and need to be blocked and deleted.. 

XXXX TransUnion Account # : XXXX Installment Account Type - Detail : Auto Loan XXXX Code : Joint Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$10000.00} No. of Months ( terms ) : XXXX {$16000.00} According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ). Delete account immediately The opening date for this account reported by Transunion is XX/XX/XXXX the reporting date for experian has XX/XX/XXXX This is reporting error .. this account is fraudulent and has to be deleted in 4 days!!!!! 

XXXX XXXX Code XXXX - Block of information resulting from identity theft XXXX Code XXXX  ( Original Creditor : XXXX XXXX XXXX ) TransUnion Account # : XXXX Account Type : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$690.00} According to XXXX XXXX Transunion XXXX, Transunion XXXX suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX ( b XXXX. Delete account immediately I demand you to delete this account within 4 days!!!!! 

XXXX XXXX XXXX XXXX - XXXX of information resulting from identity theft XXXX XXXX
Product: Debt collection

I am writing because I have a problem arising from a debt not owed by myself to XXXX XXXX which is their error ( admitted by the XXXX company ) and is being handled by LVNV Nevada debt buyers.

I have previously disputed information both against LVNV and XXXX XXXX and the accounts were removed from the top 3 CRA 's database. Recently they have reinserted the account illegally and have begun their harassment anew.

XXXX XXXX knows that the account is an error on their end and have told me that despite this they can not adjust it as they do not have access to the system. they were supposed to contact LVNV about the error. I seem to be getting the run around here. One company knows the error of the debt is not accurate and the other is trying to collect upon it regardless.

As stated, I have previously won a dispute against both XXXX XXXX and LVNV and both accounts were placed back into my consumer credit files with the top 3 bureaus.

I feel I am not being helped along and no effort is being taken to correct the issue other than being given lip service about how sorry they are that I am in the middle of this matter. I am seeking assistance with the CFPB in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response. Deleted these accounts caused by fraud. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$26000.00}
Product: Credit card or prepaid card

I have contacted Capital One Credit Card Serves and tried to get help with lower payments and to stop interest on my account until I get to a better place. XXXX XXXX were great and I have been on their program with 0 % interest and a lower payment since last year. I have been faithful and they have been decent. I have had several physical health challenges since XXXX of 2019 and as a result I had to down size on one of my occupations and finally stop it all together. I also had a sudden crisis XXXX of 2019-XX/XX/2019.with my home and contents that resulted in over 5,000.00 out of pocket ( credit cards ) expenses that were not covered by my home-owners insurance. To no avail Capital One will not work out anything with me except to waive a late fee. So, I have paid nothing, which seems to be the only alternative getting their attention and for lack of a better term, forcing them to work out a plan with me. I owe them XXXX I have expressed my desire twice to be accountable. I've expressed that I want to pay what I owe and that I am not looking to shun my obligation and it is like it falls completely on deaf ears. I am married, but, it is my responsability and my husband can not afford to pay this debt for me. I need fair treatment as I desire to give fair treatment to Capital One.
Product: Prepaid card

The expiration date on a pre-paid card in my name passed and Citi Pre-Paid Card Services XXXX out the balance and will not issue a new card.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX {$6400.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I pay this bill every 2 weeks. I have a zero percent promotion for 12 months. The promotion expires XX/XX/XXXX. I set up an automatic payment every 2 weeks to distribute on my paydays in an equal amount so that the final payment for the bill will be paid XX/XX/XXXX. 

XXXX 's monthly statement showed a minimum payment of {$67.00} by XX/XX/XXXX. In XXXX, I paid XX/XX/XXXX - {$36.00} and XX/XX/XXXX - {$36.00}. a total of {$72.00}. Unbeknownst to me, on the XXXX monthly statement, Capital One applied a third payment after the XX/XX/XXXX date, received on XX/XX/XXXX, for {$36.00}. 

So, the XXXX monthly statement showed that I needed to pay {$67.00} by XX/XX/XXXX. I paid {$36.00} on XX/XX/XXXX and {$36.00} on XX/XX/XXXX. Total of {$72.00}. But, according to the Capital One, because the XX/XX/XXXX payment was applied to the XXXX statement ( after the due date ) even though it was received in XXXX, I was assessed a {$29.00} late fee because only one payment was counted. I was assessed another {$40.00} late fee in the XXXX statement and now I'm being charged interest because " I have violated the promotional agreement. '' Now, I have been assessed another late fee in XXXX. I attempted to resolve this with Capital One 's account services and they said that they would waive {$40.00} late fee but I was ineligible for any further waivers. Even though the senior account manager said that my " intent '' for the XX/XX/XXXX payment was to go toward the XXXX statement, I am ineligible. She refused to let me speak with anyone else or to allow me to file a complaint.
Product: Debt collection

Please review attachment below. Iv'e been getting harassed by this company. I have no idea who they are as well as how they received my information.
Product: Debt collection

There was an account from XXXX on my credit report dated XX/XX/2021. The original collector was XXXX XXXX and there is an amount for {$8900.00}. I did not open this account and I do not owe {$8900.00}. There is also another collector by name of XXXX, and they are XXXX XXXX, I have reached out to them and they stated someone opened 3 accounts in my name at this bank. They told me they would open fraud investigation and have it removed but it is still on my report. I am looking to have these 2 issues removed from all credit bureaus.
Product: Credit reporting

I was checking my credit report and saw that i had a hard inquiry on my report and i checked that it was by XXXX i did not apply for credit there.
Product: Debt collection

To whom it may concern, I have recently learned how to check my credit report and scores and noticed a few accounts that were opened fraudulently in my name. I have reached out to the companies to have these accounts investigated and to provide proof of account. None of the companies furnished proof. My ID and personal information was comprised years ago and I am still suffering from this tragedy. Here are the accounts that I need to have removed. 

Portfolio Recovery - {$680.00} XXXX XXXX  - {$1600.00} XXXX XXXX - {$1000.00} XXXX  XXXX XXXX - {$970.00} XXXX XXXX {$9000.00} XXXX XXXX {$140.00}
Product: Debt collection

This is the second collections agency that this balance has been sent over too. I have been approved by a charity for this date of service and the last collections agency that I sent this too it said they were not trying to collect and that is because they gave my information over to a new collections agency. This is very stressful.
Product: Mortgage

Our home in XXXX Florida sustained substantial damage during Hurricane Irma in XXXX. We settled with our insurance carrier and a joint check was issued to us and the mortgage company, XXXX Mortgage / Midfirst Bank in the amount of {$51000.00}. 

The settlement check was XXXX XXXX to XXXX Mortgage XX/XX/XXXX and the money was placed in an escrow account. In the following 6 months, XXXX has released less than {$6900.00} of the insurance proceeds, despite repeated requests for payment to contractors and reimbursement for out of pocket expenses. 

The last six phones calls have resulted in requests for information that was previously sent on multiple ocassions, or promises of payment that never came. 

To date we are out of pocket over {$5800.00} and will most likely have to pay at least another {$7100.00} to avoid having a mechanics XXXX put on our property, which would impact our personal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a XX/XX/XXXX vehicle it had a 36 month term. In XXXX of XX/XX/XXXXmonths before the lease was up I paid the car off. I went to DMV and obtained the lease. 

VW credit XXXX had placed a XXXX balance on my credit report. Ive contacted them numbers times regarding this balance. They say they will remove it and update the status but they never do. As a result my XXXX and XXXX  scores has dropped nearly 100 points! 

This is XXXX XXXX  and XXXX  to say the least. Ive even tried to dispute this through their websites. But there is nothing setup where I can upload the title of the vehicle. Please HELP me!
Product: Credit card or prepaid card

On XX/XX/19, shortly after using my credit card for a purchase, I received a text message from XXXX stating " Notice XXXX from Chase-Bank Code : Card temporary locked. Please call us now at XXXX " When I called, I was asked to enter my " debit card number, '' and immediately hung up. I don't have a debit card with Chase Bank, and I realized my credit card was with another bank. I called the number on the back of my card, and there was no lock on my account. I also called Chase Bank to report it. They had not made the call. I have since heard from someone else in my geographical area who received the same message from Chase-Bank. I just wanted to report this possible scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I reached out to XXXX XXXX XXXX regarding Verification and Proof of Verification that this company had authorization to run my credit. To date I have not received a response that aligns with the Fair Credit Report Act or that they had a written consent to run my credit multiple times. At no point did I give any of their representatives permission to run my credit and they have no proof as such. 

I requested XXXX, Equifax and XXXX to prove proof of this as well and have received only a generic letter stating that XXXX XXXX XXXX has " verified as accurate ''. How can XXXX XXXX XXXX verify to the credit bureaus this information as accurate but can prove me no proof with my consent this information is true and correct after multiple times contacting the company.
Product: Debt collection

For one thing they didn't tell me when I took the loan out that there was 300 % interest on this loan. Didn't tell me as you go everyday that the loan grows interest everyday. Also I'm on public assistance. And I only get ssi every month. I can't afford payments of {$300.00} to {$400.00} a month. I tried to explain this but no one wanted to help me when I called. Now it's put agaisist my credit. If I could make a small payment a month I have no problem paying for the money I got but the interest is way too much
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Social security : XXXX D.o.b XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX This document is for fraudulent accounts opened in my name, the account Im Disputing is XXXX XXXX OPENED XX/XX/XXXX with a balance of XXXX, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the Equifax data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because of inaccurate and incomplete credit reporting. On or about XX/XX/year> and XX/XX/year>, I submitted formal disputes through XXXX to a debt collection company called LVNV Funding as named as a furnished on my credit reports. The dispute was regarding the incompleteness and accuracy of the account 's open date and date of major delinquency failing to be reported in the tradeline 's payment history 's ratings entry. I was specific in my dispute, but the results of the dispute came back " verified '' while not actually being resolved. I have concluded that this issue constitutes a violation under the Fair Credit Reporting Act ( FCRA ) per section 1681s-2b for failure to conduct a reasonable investigation. I have reason to believe this is an act of willful non-compliance on the furnisher 's part considering multiple disputes were submitted each month consecutively. Additionally, this furnisher is also a " debt buyer ''. LVNV is under strict liability as it is regulated under the Fair Debt Collection Practices Act ( FDCPA ). Considering that the misreported, disputed information was verified while not actually being accurate constitutes a violation under the FDCPA per sections 1692e ( 10 ), 1692e ( 2 ) ( A ), and 1692d because LVNV failed to report complete and accurate information regarding the major delinquency status of the tradeline and the tradeline 's open date which are both missing from the payment history section of the disputed tradeline. In conclusion, this complaint is a result of inaccurate credit reporting and deceptive debt collection practices by a debt collector.
Product: Credit card

I have purchase protection on my card, I had a couple stuffs I lost include one thing i purchased with my card, I made a claim with them about my item, they in up close my claim.
Product: Credit reporting or other personal consumer reports

I don't have any knowledge regarding the inaccurate accounts on my credit report so please do check the documents I've sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance {$170.00} XXXX XXXXXXXX Balance {$2000.00} XXXX  XXXX Balance : {$7600.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXXXXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$170.00} XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$7600.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS NEGLECTED NUMEROUS OF TIMES TO REMOVE A FASLE ADDRESS AS WELL AS 2 INQUIRES THAT DO NOT BELONG TO ME. I HAVE CALLED NUMEROUS OF TIMES AND WHEN I FINALLY MADE IT THROUGH TO SPEAK WITH SOMEONE I WAS HUNG UP ON. I AM WELL AWARE THAT IT IS EXPERIAN JOB TO REPORT 100 % ACCURATE INFORMATION WHICH THEY ARE NOT. I AM ALSO WARE THAT MY RIGHTS UNDER THE FCR ARE BEING VIOLATED WITH THESE INQUIRES AND FALSE ADDRESS. I HAVE FILED A FTC REPORT AND NEXT I WLL SEEK REMEDY THROUGH COURT.
Product: Bank account or service

My Mother recently passed away. We have a joint checking account in XXXX names at HSBC. My Mother 's name OR my name. I went to the bank, provided a death certificate along with my State issued ID, and was told the account would be closed and a check would be issued in my Mother 's name at the end of the month ( XXXX ). I would like the check to be issued in my name since XXXX names are on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all of the following companies and XXXX by mail and by phone more than two times. I have fraud alerts on my accounts and I am supposed to be contacted before credit is approved to be pulled as a hard inquiry. I have fraudulent Hard Inquiries on my credit report and I would like them removed immediately so they do not continue to negatively impact my life. They are as follows - 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 XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX I have been impacted my identity theft and these erroneous inquires have been making it impossible to live my life with my family normally. We couldn't apply for anything that we actually need to. It is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis, and XXXX have all reported a bankruptcy that was not reported to them the account is not accurate under 15 USC 1681e ( b ) the furnish name is US Bankruptcy Court
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today I veiwed my XXXX Credit Report and noticed fraudulent accounts have been opened up in my name. Loan Mart and XXXX XXXX. Please remove from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been paying my child support obligation via pay roll deduction since XXXX as per court order. On XX/XX/XXXX the child turned XXXX years of age and was emancipated by the courts and the child support payments was terminated. i obtained 3 letters as evidence one from the courts. one from social services and one from the child support stating that the account is closed with a XXXX  balance obligation. This account is being reported as COLLECTION in XXXX XXXX i sent the credit bureau the 3 letters as proof that my child support was not a debt it was an obligation that was fulfilled with a XXXX balance when the child turn XXXX  years. please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 XXXX XXXX accounts on my credit report. 

I do not owe XXXX XXXX and never have i have always paid directly through my employer. 

one of my accounts is for my child who turned XXXX in 2020 and the XXXX XXXX  case was closed. it is reporting as a charge off. 

there are no amounts or balances on these accounts and it reports as XXXX which is untrue they do not report the monthly payments I make that are not in default. 
I have disputed with the bureaus, and they say the information is accurate when it is not.