23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting fraudulant accounts on my personal credit file/bureau. 
I have been in contact and provided police reports and notarized FTC AFFIDAVIT, Accounts are the result of identity theft,.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing information on my consumer report and I noticed some information that was outdated, inconsistent and incorrect. I would like to remove the following information to make sure that things are in order. 

Any information that doesn't match my current information must be removed. 

Under ( FCRA ) it state 's that i have the right to privacy, accuracy, and what is reported on my consumer report pursuant to the following codes : 15 USC 1681 ( A ) ( 4 ) XXXX XXXX XXXXXXXX XXXX USC 1681E ( B ) XXXX XXXX XXXX  15 USC 1681i ( 5 ) XXXX XXXX XXXX 15 USC 1681b XXXX XXXX XXXXXXXX I have also enclosed a letter going stating the correct information.
Product: Debt collection

I've asked for this account to be validated several times this year by providing the original signed contract. In my most recent complaint filed with the BBB on XXXX, the company responded with a copy of an electric bill that has a name & address that doesn't match mine, which is not proper validation that this is my account. The original creditor ( XXXX XXXX XXXX # XXXX ) accuses me of owing {$960.00} but Transworld System INC sent me a bill saying I owe {$1400.00}
Product: Debt collection

Radius Global Solutions discussed with me about the transaction that led to their acquisition of debt. On XX/XX/2022, a purchase at XXXX XXXX XXXX of {$990.00} was made using my identity. Note : I have never had an account with XXXX XXXX XXXX, and have an exclusive history with XXXX for all my phone lines. I believe this purchase was in XXXX, NJ while my address was in XXXX NJ ( proof of address can be provided ). On XX/XX/2022 the unpaid debt was transferred to XXXX, with a value then of {$1100.00} The reference number with XXXX for my account was XXXX. 

I am in contact with my XXXX XXXX XXXX who is helping me with the process, and was directed to file this report as well as a police report while I wait for a specialist to help me work with the collections agency.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 XXXXXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$730.00} ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit agency reports wrong name and address. Contacted agency to get it done but nothing got done. 

15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy with LexisNexis in XX/XX/2020, they removed it from my consumer report. Then, I used the LexisNexis letter which confirms that case # XXXX has been deleted to dispute the bankruptcy with XXXX, XXXX  and XXXX. I asked the credit bureaus to contact LexisNexis to verify the DELETION. XXXX  deleted the bankruptcy. XXXX and XXXX  keep claiming the bankruptcy has been verified with LexisNexis and the US Bankruptcy Court XXXX. I received a letter from the US Bankruptcy Court XXXX and they don't report to credit bureaus. Also, I sent comparison factual dispute letters along with the LexisNexis and US Bankruptcy Court letter to XXXX  and XXXX. They refuse to delete the bankruptcy. I have provided documented proof of the deletion from LexisNexis and confirmed with the US Bankruptcy Court, they don't report to credit bureaus.
Product: Credit card or prepaid card

On XX/XX/2020, I purchased active wear for XXXX XXXX from XXXX and I disputed the charge for non receipt of merchandise. The shipping department requested that the merchandise be returned. I disputed {$380.00} cents and the matter still has not been resolved. Citi Bank Disputes sent me a letter stating the merchant is willing to resolve the issue with me, however the merchant is stating that the credit card company still has the funds frozen regardless if the dispute is closed. 

I am requesting an immediate refund for this account and fully refunded for non receipt of merchandise.
Product: Credit reporting

I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Equifax was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent woman, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EXPERIAN Dear Sir/Madam, EXPERIAN completes its investigation into the account related to the letter sent on XX/XX/2024, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX XXXX XXXX XXXX XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had ONE late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/2024 ) I'm now requesting you investigate this account and update these payment to be paid on time immediately. 

Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. 

I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

XXXX XXXX XXXX ( Original Creditor : AT T ) XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXX LASCO ) XXXX XX/XX/XXXX {$7200.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$15000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USCC. ( a ) ( 5 ) Section states : No consumer rep
orting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Commenity Bank contacted my brother on his cell phone who doesn't live with me and I have never disclosed his name or number before. They left a message on his phone as well which I have a screen shot of the transcript.
Product: Debt collection

Global Credit & Collections are in Violation of the FCRA and FDCPA sending me collection Notice and attemps to collect on a Previous Fraud account from XXXX  XXXX # XXXX in which XXXX Bank was put on Notice of the Fraud Dispute and # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XXXX   XXXX    , I began contacting  XXXX  to learn more about the pros/cons of requesting a forbearance. When I decided it was right for me, I requested to put the forbearance in place. At the time, I had auto pay setup also to ensure that my payments were not late.  XXXX  either switched auto-pay systems or upgraded, I do not recall. I do recall inquiring about it with a customer service rep that informed me that my details would transfer over, no need to worry. Months later, I recall receiving mailings and calls offering student loan payment assistance. However, every time I called  XXXX , the customer service rep would tell me that my balance was  XXXX . I received another round of calls/mailings offering assistance, called  XXXX  " balance   XXXX   ''. Several times, I did this. I suspected that the calls/mailings were some type of identity theft issue, like the kind  XXXX   XXXX  and   XXXX   XXXX   XXXX     previously contacted me about in relation to my cards with those respective companies. By the time we got to the point where I was told the customer service reps were 'looking at the wrong screen ', damage to my credit had already been reported ; however,  XXXX  sent me an approval letter for my forbearance request covering the exact timeframe they reported adverse payment details to the credit bureaus.  <P/> I was so exhausted dealing with  XXXX , and in disbelief that they would not correct/reverse the erroneous report { to the credit bureau s },  I did not know what to do. I did not know who to contact for help, how to get help, or if anything could be done. Until I looked into the CFPB last year. I thought too much time had passed to fix it, although it bothers me that this is the only blemish on my credit. All other  XXXX  accounts, of various types, over 20+ years no late payments! Please help me fix this error. Over   XXXX   XXXX    I was clearing out a box of documents to shred and came across the forbearance approval letter from  XXXX . Once again, I am hoping to correct this error to ensure that my  credit score is up dated to accurately reflect my character and to demonstrate the seriousness and responsibility I apply to paying all of my obligations on time and in full.
Product: Credit card or prepaid card

I bought an air ticket using the Chase credit card and flew the airline. During the trip, i lost my carry on bag and filed the lost luggage benefits claim with Chase, but Chase denied my claim saying " Luggage that is lost, stolen or damaged while in the airport is not eligible for coverage. '' The benefits guide that I received with my card or the one available online ( under my account ) does not state any exclusion like that. My benefits very well reads - " The benefit reimburses Insured Persons for costs incurred to repair or replace Checked Baggage and/or Carry-On Baggage and personal property contained within due to physical loss or damage, if the loss ( including theft ) or damage occurs during a Common Carrier Covered Trip. My trip was very well covered as i had bought the full ticket using Chase credit card. 

My claim number filed with Chase card benefits services is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is collecting a debt for the original creditor XXXX. I will be filing a complaint against XXXX as well. XXXX has sent a debt into collection that I do not owe for equipment they said was never returned. The equipment was indeed returned and some equipment was never sent. I used my own phones that was paid for. I have asked XXXX for the tracking numbers to help with my dispute and they refuse to give me that information. So Im being charged for items I do not have. Not only was the equipment I did received returned, XXXX refunded me multiple credits for my inconvenience and provided me my account number to transfer my service. My new service provided even offered to pay XXXX for me to transfer. I talked to someone from XXXX a week ago and they said they could remove up to {$2000.00} from my account then transferred me over to another department giving me the run around. XXXX XXXX  failed multiple times in investigating this dispute nor did they contact me before placing this account in collections. They failed to provided me with the letter they sent nor did I receive a letter. It has been over 30 days since Ive ask for the information. I did not sign a contract with XXXX XXXX XXXX. They are illegally trying to collect money from that I do not owe.
Product: Credit card or prepaid card

It was fraudulent activity.. my account was opened, deposit accepted, and closed within 48 hours, for reasoning that should have been vetted during the application process when a hard inquiry was pulled against my credit.. 
I want my deposit returned expeditiously. If I wasn't qualified the process should not have made it this far. 

XX/XX/XXXX I applied and was accepted for a secured credit card... 
Upon acceptance nothing was mentioned about last account balances it derogatory accounts, hence I was accepted and not denied. I was only told to make my deposit prior to XX/XX/XXXX On XX/XX/XXXX I made a XXXXXXXX XXXX deposit By XX/XX/XXXX I had yet to receive any communication about the account or deposit, I called customer service. 
( Phone calls included in attachments ) The representative told me the account was still waiting for the deposit to complete, although it was completed immediately by my bank, see attachments. 

I called again XX/XX/XXXX this time the rep could see the deposit, said my account **** was created my card was created and I should receive it by Friday XX/XX/XXXX at the latest. 

XX/XX/XXXX I called again because I could not log in to my online account due to old phone numbers being used for the 2 step verification. A representative helped me update my account **** and login. 
My new account was visible XXXX XXXX XXXX XXXX XXXX rewards XXXXXXXX XXXX  credit limit .... The representative asked if I seen a link to a digital card, I did not, she said it could take a day or two to pop up. 

XX/XX/XXXX I logged into my online account and my new account ending in **** was showing restricted ( see attachments ). I called again... I first told the deposit was never received that's why the account was closed.. after escalating departments I was told the account was closed due to spending usage beahviors that don't meet capital ones expectations... Which was irrelevant because I had yet to receive a card and there was no transaction activity on the account. I was told to contact my bank in regards to the deposit. 
I did so, the transaction was successful and complete according to my bank. 

XX/XX/XXXX same da, I call back only to be told the account was closed due to a previous balance from over 6 years ago.. my deposit will be refunded after 2 billing cycles ( 60days ) and it would be mailed to the address on file. 
I included the phone call dates and timestamps so that recorded conversations via capital one can be recalled.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this following account on my reports : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$7700.00}, XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$5900.00}, XXXX - XXXXXXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXXXXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$18000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX, XXXX. XXXX Date Opened XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Balance : {$610.00}.
Product: Debt collection

To Whom it May Concern : In the past I had XXXX insurance but transferred my car insurance to another company. The representative I spoke with did not advise that there was a balance due, nor did an auto-draft come out of my account on their due date. Also, the confirmation email I received from XXXX did NOT state I had a balance due. 

Because XXXX chose to forward this erroneous debt to Credit Collection Service, it was added to my credit reports and has done significant harm to my credit scores.
Product: Credit card or prepaid card

On XX/XX/XXXX I got a {$120.00} fraudulent charge from XXXX on my Apple card from Goldman Sachs. I reported the charge immediately and the charge was reversed. They changed my card number and I didn't think twice about it. 

Then, on XX/XX/XXXX at XXXX PST my XXXX XXXX was compromised by a phishing scam. My credit card, the Apple Card by Goldman Sachs, also became compromised in this process. I lost ability to use the card as soon as I reported the fraud and was told multiple that I couldn't close the credit card because the account was under  investigation. On XX/XX/XXXX, somehow the person who hacked my account was able to make an additional fraudulent {$4500.00} purchase at a jeweler in XXXX ( I live in XXXX  ). Apple Card support  could not provide a reason that this person was able to use the account that I was told over and over again had been " frozen '' since my XXXX XXXX  was hacked at the end of XXXX. 

Whoever hacked my XXXX XXXX account changed the email address and phone number associated with the account so I wouldn't be able to use the two factor authentification system to recover my account. Since the account is under investigation, XXXX XXXX at Goldman Sachs won't let me change the contact email address or phone number on the credit card account back to my contact information, which means they keep emailing the hacker my credit  card statements every month, which is a violation of my privacy. 

Every time I speak with someone from Goldman Sachs they tell me that they will reach out to a supervisor and make a note on my account to stop emailing my hacker, but every time I call and follow up none of those things have been done and my credit card statements are still being sent to the person who hacked my account. My account has now been " frozen '' and " under investigation '' for almost 5 month, accruing more fraudulent charges, and I'm unable to close the account. I've spent hours and hours on the phone with XXXX XXXX  and Goldman Sachs customer service and no one can explain why there isn't a better solution than me calling once a month and waiting for the account to stop being under investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX XXXX RE : Disputed Account Notice to Furnisher XX/XX/XXXX Item was removed and added again! 
XXXX 
Dear Sir or Madam : I discovered XXXX XXXX XXXX # XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 
I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, XXXX XXXX XXXX Enclosures : XX/XX/XXXX Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
Identity Theft Report Proof of identity Notice to Furnishers of Information