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

I attempted to Register with Credit Karma via Their website. I utilized and provide all of my personal information, including my SSN and other key identifiable information to create an account only to be told that there was an existing account based upon my personal information with an email which was obviously not mine. 

I searched for a service number as I expected Fraud but realized that they do not accept calls which left me with only the option of creating a ticket of the issue of which I have not received any response as of yet via my email. 

I suspect Identify theft as I have never utilized Credit Karma in the past. I am also a bit disappointed that there was no emergency or customer service Numbers available. This service came highly recommended to me and I wish to clear up the fact that my information is being used by another party which is not me. 

I am having the same issues with my identity and credit repair services with XXXX, XXXX and XXXX. Inaccurate data as well as blocked access to creating an account in the case of XXXX when I never blocked my credit from being seen publicly. 

XXXX has been the most accommodating with issuing a Credit Security feature which means My cell has to be called for any new Credit or any such applications, whereas XXXX has passed me off to what seems to be Overseas customer service operatives from the XXXX and XXXX. 

XXXX seems to be an non existent entity although I attempted online, through their site to Dispute but was locked out after my second and third attempts. 

XXXX
Product: Credit card or prepaid card

DISCOVER acct was fraudulently open in my name in XX/XX/2019. This occurred during the time of my identity being compromised. After discovery I contacted creditor to make aware of the fraud. I advised them of the identity theft. They then proceeded to close the card to prevent it from further use. At this time, I contacted the bureaus to have them aware of this. I put fraud alerts, froze my file, also contacted identity monitor along with filing law enforcement report, CFPB as well.I thought I was ok. Years passed, I realize its still reporting to my credit. DISCOVER BANK CARD DID NOT CLOSE MY ACCOUNT AS PER DISCUSSION, THEY CLOSED IT OFF AS A CHARGEOFF AS A BAD DEBT AS IF I WAS LIABLE FOR THESE CHARGES. THEY WERE AWARE OF FRAUD, ITS WHY THEY CLOSED CARD POST INITIAL INTERACTION. I AM COMPLAINING TO DISCOVER CARD AND XXXX, XXXX, XXXX BUREAUS SHOULD HAVE REMOVED IT DUE TO FRAUD. SHOULD DELETE, THIS IS FRAUD! DISCOVER IS FALSELY REPORTING ON MY CREDIT, ILLEGALLY FRAUD!
Product: Debt collection

This company " AssestCare LLC '' calls from phone number XXXX XXXX XXXX XXXX and says the call is being recorded without getting consent, Florida is a 2 party recording permission state. They do not identify themselves and ask your name and to verify your date of birth. When you ask who they are they hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my credit file that I requested the bureaus look into because the balance did not seem correct. After several request and they not trying to help they then reported the accounts with a new open date. It is the same account with XXXX XXXX XXXX in the amount of {$540.00} opened XXXX XXXX that showing on my report as of XX/XX/XXXX now that very same account shows XXXX XXXX XXXX opened XX/XX/XXXX they just re-aged the debt!! This needs to be removed. This is a huge violation with the FCRA!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or discard the following items right away : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

this company has been constantly calling me multiple times a day at random times, ranging from XXXX to XXXX XXXX. when asked what the company did as its source of income i was told that " they couldnt say unless i confirmed who i was. " ive had too many identity theft attempts to even want to think about believing that this isnt a scam.
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim that the accounts listed below have been verified and that the information they are reporting under my name is accurate. These accounts were investigated by both XXXX and XXXX resulting in removal from my file. 

XXXX XXXX XXXX : XXXX I previously disputed this account. I dont agree with the results of your investigation. Please remove the inaccurate negative information. 

XXXX XXXX : XXXX I previously disputed this account. It was removed from the collectionyet shows as a closed account still reporting late payments which is damaging for me. I dont agree with the results of your investigation. please remove the inaccurate negative information. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

I dispute the inaccurate information regarding a late account on my credit report. Despite contacting the bank, they can not provide records but have verbally committed to a positive update on the report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX pulling or letting people pull my credit is a violation of my rights also XXXX and XXXX  hacking me just b/c I distuted inaccurate information it's the law I have the right to dispute inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a inquiry with Experian in reference to an unauthorized credit inquiry that i did not do on XXXX/XXXX/17 with XXXX XXXX/XXXX XXXX. Experian sent out the investigation request and answer was to be given back in 30 days showing that i authorized XXXX XXXX/XXXX XXXX to pull a credit iinquiry, they did nit respond, Experian gave them another 30 days and yet again XXXX XXXX/XXXX XXXX did not respond, so the inquiry was removed off my credit report. I received a copy of my credit report showing that XXXX XXXX/XXXX XXXX is back on my credit report for the same inquiry date. I did not authorize that inquiry, i do not have an account with XXXX XXXX and i was not notified that it was going back on my credit report.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This collection agency is reporting on my credit report. However, I dispute the validity of this debt. I do n't have a contract with a collection agency and did not owe them anything. Due to HIPPA regulations, I did not provide any of my doctors to share any of my information with a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed to remove fraudulent information from my report even after The original creditor has removed it from its records. What's more surprising is that this company requested fraud proof and proof of deletion by the original creditor, which I duly sent to them on XX/XX/XXXX18. But to my surprise, This company is still reporting the fraudulent account that It was mandated by law to delete within 4 days of receiving my complaints. I am a victim of identity theft. This report is to document compromise of my personal information. For yet another time, this account is fraudulent/or is linked to fraud and I want deleted asap : XXXX XXXX XXXX This letter is a direct confirmation that I want this account deleted, I have enclosed proof of deletion by the original creditor ( XXXX XXXX ), a copy of my Identity Theft Report that includes a Police report and an FTC ID theft report. 

Attached : 1.My Original creditor ( XXXX XXXX ) proof of deletion 2. My police report 3.  My FTC report 4. My Small claim form
Product: Credit reporting or other personal consumer reports

XXXX-Account number ( inaccurate report i paid in full and was never late ) XXXX XXXX XXXX- ( no knowledge to this account ) {$3900.00} Account number XXXX XXXX XXXX  XXXX ( no knowledge to this account ) {$180.00} XXXX XXXX XXXX XXXX ( no knowledge to this account ) {$780.00} Account number XXXX XXXX XXXX XXXX ( no knowledge to this account ) {$120.00} Account number XXXX i demand these items to be remove i also reported to the ftc
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan that is a duplicate account. There are late payments in which i was never late on the reported days. Student loans has failed to respond within the 30 day period and did not provide me with no proof for the incorrect information
Product: Credit card

I didn't receive my sign on bonus of XXXX points as advertised for my first Amex gold personal credit card. When I applied for it in XXXX, XXXX, the offer was XXXX points after I made XXXX purchase within XXXX  months of account opening. I made the required amount of XXXX within only XXXX  months ( around XXXX, XXXX ) but didn't receive XXXX points afterwards I have since tried to escalate this to Amex customer service team several times in the next XXXX  months but no one was able to fix it. The first few representatives said they saw the offer did apply to me but not sure why it wasn't posted to my account. 

I've attached the credit transaction csv file from Amex for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Use this Law to remove student loans Fair Credit Reporting Act.

I have listed the laws above. It is against my rights to have student loans on my report per the FERPA Act. Please remove from all three bureaus immediately.
Product: Credit reporting or other personal consumer reports

Them do not have my written consent to report anything on my credit report. 15 usc 1681b please email me dont call thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized hard inquiries from my credit report : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I tried to remove a fraud alert on my file. It told me to call in. Upon calling I was told to mail a request including proof of address, identity, and social security number. This was mailed XXXX XXXX. As of today I still have not heard anything back from TransUnion.
Product: Credit card or prepaid card

In may I called American Express to inquire about what offer I would receive if I were to upgrade my American Express delta XXXX card to the reserve card. The person I spoke to on the recorded conversation struggled with explaining the upgrade process and explaining any terms and conditions, but from what I understood, if I upgraded I would receive a promotional offer of XXXX miles so I said yes to upgrading my current account. A few days later I receive a new credit card on a completely new account. I call back to find out what happened and apparently the representative have instead of upgrading my current account, opened w completely new account without my knowledge. Any explanation he had given on the phone was not something an average person would comprehend and I was shocked to find a new account opened in my name without my permission, I now had XXXX XXXX Amex cards each with their own separate yearly fee. 

I called in to resolve this miscommunication and the options I was given were to cancel the new account which would affect my credit score, or downgrade my current card to a free yearly fee card and keep my new account card with its yearly fee. I agreed to keep the new, wrongly created account with its signing bonus, but at that time when I was accepting the new account I brought it to the representatives attention that I had an offer for XXXX miles and XXXX mqms. The representative agreed they would apply that welcome offer to my card and proceeded to downgrade my other one. 

I ended up only getting the original offer and not the offer That was agreed upon for opening up an account without my knowledge. Fast forward 2 months and countless calls later American Express still refuses to give me the remaining portion of the offer that was agreed upon of XXXX more miles and XXXX mqms. I have called many times and now have to resort to filing a complaint.
Product: Debt collection

On XX/XX/2020 I settled and paid a debt with Enhance recovery collection agency then requested that the account be removed from my credit report because Im trying to buy a house. My score dropped down 35 points because of this and Im still trying to recover from this point drop. I was told that they do not remove anything and that a manager would call me back. 

I was passed around from one agent to another and none we able to help me. As of today, I have yet to receive a call from a manager and the collection remains on my report and has a huge NEGATIVE red for the month of XXXX when this was legally paid in XXXX.
Product: Checking or savings account

XXXXXXXX XXXX XXXX owned by Key Bank ) froze my account, which has a {$2000.00} balance, due to a returned deposit I made via their mobile app. The issue occurred because the image capture cut off the first five digits of the account number, causing the check to be returned. They never credited me for that deposit, yet they still locked my account, even though the {$2000.00} balance was unrelated to the returned check. 

My account has been frozen since XX/XX/XXXX. I called and provided proof, including the original check with the full account number, as well as a notarized affidavit explaining what happened. Despite this, I have yet to hear anything from them. I need access to my money to pay bills
Product: Debt collection

I'm on the phone with a representative from the offshore location for CONVERGENT OUTSOURCINNG in regards to alleged debt with XXXX from XXXX? I told her that I need to see the full validation of the debt including the signed contract and she said that she doesn't have that I would need to contact XXXX How come a debt from XXXX all of the sudden is reporting in XXXX? Isn't this an obsolete and ghost debt? 

Honestly, Im confused and stressed, and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from your company " COI '' that I never have dealt with before or even the original creditor. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my personally identifiable information was used to engage in " dark pattern '' practices. I believe myself to be a victim of these unethical, immoral, and illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

to Whom it may concern, In accordance with the Fair Credit Reporting act : XXXX Account # XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXXAccount # XXXX has violated my rights. 

In accordance with 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Experian, regarding the inquiries on my credit report, asking them to investigate the inquiries that were not authorized. The XXXX tracking number is XXXX XXXX XXXX XXXX XXXX. I received an updated credit report back from Experian stating they were only able to remove a few of the inquiries and that I was responsible for disputing the rest of the inquiries with the creditor who pulled my report. I then called Experian and advised them that based on the FCRA, they are suppose to investigate any inaccuracies on my credit report. The representative then advised me that they can not dispute inquiries because inquiries are factual and that the consumers responsible for disputing the inaccuracies and providing them with the outcome. I then asked the representative if she could tell me where I could go to read about the information she was giving me. The representative stated she did not know where I could go to read about the information she was giving to me. I told her that she should know and educate herself on what she 's telling the consumer because she could be incorrect. The representative advised me that I would have to send every creditor a certified letter disputing the inquiry. I asked her if she was aware of how much it cost to send over XXXX certified letters. I also tried contacting the creditors who pulled my credit report and everyone of them told me I have to go through my credit bureau to dispute the inaccuracies. I am so confused and frustrated with theses credit bureaus not wanting to help the consumers.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove the inaccurate information that has been listed on my file. none of the data listed has been verified through FCRSA. all 3 credit reports are processing invalid information. this has caused major delays and denials upon my credit history please review and remove the information listed asap.
Product: Checking or savings account

I called on XX/XX/19 to bb and t and aske them if i was ok to open an account due to a fradulent bank account being open i was unable to do it. Today i was cleared to open the bank account earlier in the morning but upon arrival this afternoon at the branch the story changed saying that there was no paper work sent the manager in charge of my investigation she never answers the phone and ive been dealing with this issue for more than a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX