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

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately JPMCB CARD Date of inquiry:XXXX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX COLLECTION : XXXX XXXXS ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/XXXX XXXX COLLECTION : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Balance {$630.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$4000.00} INQUIRIES XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seriously getting frustrated at this point. I have supplied the companies with the documentation required by law and suggested by customer service, yet the accounts still persist. I am trying to get a start a career in XXXX  and get a mortgage and these accounts are hindering my chances. Please correct immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request to XXXX XXXX and Experian. XXXX is the ONLY one who complied. XXXX and Experian have yet to respond or comply with my section 609 request as of today XX/XX/XXXX. I requested that they provide me PROOF of verification verses a verified response as I am a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Official Dispute This document shall serve as an official dispute towards Credit Services and the original creditor of XXXX XXXX XXXX XXXX XXXX in the amount of {$710.00}. Attached document A is an itemized report from Pro XXXX XXXX that illustrates a charge a {$470.00} for rent in the month of XX/XX/2020. Support document B illustrates new utility service that was started at a different address which proves that the residential home in question was vacated prior to the month of XXXX. Therefore for the {$470.00} rent charged for the month of XXXX and the {$50.00} late charge is invalid. Support document C is inspection from a third party winter weatherization company. Upon inspection they noted mold in the apartment. The mold attributed to the charge of {$170.00} and the {$140.00} charge put for trash out and carpet cleaning. The mold was due to a failure to repair a leaking AC unit. It was reported to the property manager several times that the AC unit was leaking after each use. The leaky AC unit, costly heating & cooling bills, mold, and with the combination of management team refusing to repair and replace these issues caused the vacation other unit. I have supplied enough evidence to at the very least to illustrate the charges are incorrect and to go further to eliminate these charges altogether. I am not responsible for this debt I request a full investigation and want this item remove from the all credit reporting agencies..
Product: Credit card or prepaid card

Cabela 's Club MasterCard World Elite Black card issued by Capital One was abruptly cancelled without notice due to an error of reported Fraud. Issue dates back to XX/XX/2019 when Capital One informed me that someone was trying to open a new account using my confidential personal information. Identity theft reports were filed as instructed by Capital One and all credit agencies were notified. Account was mistakenly tagged as fraudulent, cancelled without notice and {$870.00} in redeemable bonus points was removed from my account. XXXX notified Capital One that the Fraudulent report was in error. After repeated attempts ( a minimum of 15 calls, a visit to the nearest Cabela 's store, numerous hours and 4 months of effort ) to resolve the issue Capital One said there is nothing they can do to correct the error even though the credit card balance is fully paid. Capital One 's final decision was to delete my account and not refund the {$870.00} in bonus points even though they recognize the entire incident was an error. Capital One said it was an " Administrative '' decision and they did not feel that it was an appropriate decision. I asked to speak with the " Administrator '' that was involved in the decision and was told Capital One Administrators are not allowed to speak to customers. Details are provided in the attachments.
Product: Debt collection

I do not have a signed contract nor any contract with Harvard Co. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX PHYSICIAN. I am not responsible for this debt with Harvard Co. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of South Carolina to collect any debt. I am in receipt of my credit report dated on XXXX XXXX, XXXX. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
Product: Credit card or prepaid card

On XX/XX/2018, I applied and was approved for the American Express XXXX XXXX XXXX Credit Card ending in XXXX. My first statement closed on XX/XX/XXXX and I earned XXXX XXXX points, the points werent transferred to my XXXX/XXXX account. The second statement closed on XX/XX/XXXX and I earned XXXX XXXX points, the points werent transferred to my XXXX/XXXX account as well. The third statement closed on XX/XX/XXXX and I still didnt get any of the points I earned since I opened this card transferred to my XXXX/XXXX   account. 

Over the last 3 months, I have contacted American Express countless times via Phone, Chat and XXXX to inquire about the issue. I was told to wait 6-8 weeks for points to be transferred, when the 8 weeks passed, I was told to wait for the third statement to close. However, the third statement closed on XX/XX/XXXX and the points are still On Hold by American Express. 

I was never given an explanation of whats going on with my account. I no longer have access to see my points balance at americanexpress.com, this section, located at the right upper corner of the credit card online profile, has been disabled by American Express. They charged me an annual fee for a card I dont have access to its main benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax. Has failed to delete inaccurate information from my credit report. On XXXX  XXXX it shows that I have no derogatory marks on my credit report. But on XXXX it shows and Equifax that I have XXXX derogatory marks. The company sent me a letter stating that they would remove the derogatory mark. Due to lack of proof that the accounts belong to me. I have already reported Equifax multiple times for stating they would delete the derogatory marks but they NEVER honor their words. 

Ive been a victim of identity and until further notice anyone that is reporting to my credit report must have proper documentations of signatures not PDF signatures but my actual signature. That is printed on any documents. I made this clear to all the creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do all my banking with XXXX XXXX  I also have a car loan with XXXX XXXX XXXX. I was diagnosed with XXXX and XXXX XXXX XXXX and had to recover in the hospital for over nine weeks. I also informed XXXX XXXX and wells fargo credit that I would have to make 3 small payments for only a period of four weeks. They approved this covid relief and granted the smaller payments. I recently discovered a decrease from XXXX to a XXXX in my credit report that was because of XXXX XXXX XXXX reporting a late payment. I am requesting that they promptly take this off my report and have talked to XXXX XXXX banking and they also agree to reach out. They have been kind enough to cover NSF and any related charges to help me through this crazy time. Please take this off my credit report so I can refinance my home at a good rate and keep my son and I in our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested a background check from XXXX to start working as a delivery driver for XXXX XXXX, XXXX, and others but they came up with a background check with incorrect information. When I sent a complaint to the company, they basically told me that their system is always accurate and that their previous background check is correct without providing evidence.
Product: Money transfer, virtual currency, or money service

Violation PRICING/DISCLOSURES Consumers need to know the full costs and have clear information about the terms and conditions before they enter into transactions. XXXX advocates for price transparency and against hidden fees. XXXX also supports requirements for complete and easy-to-understand disclosures to help consumers make informed buying decisions. 

Tesla account ( XXXX & XXXX ) XXXX XXXX Car Name XXXX I had an appointment at Tesla on XX/XX/2024. { My concerns were regarding my suspension. Air continuously leaks from the suspension. And there is a squeaking noise coming from the left driver 's tire. The vehicle functions properly while in motion, but when it remains stationary for an extended period, the issue portrayed in the photo arises. } After a diagnostic assessment, the specific source of the air leak could not be determined. I was charged {$200.00} for a service that was already highlighted during my initial explanation of the problem. Furthermore, I was pressured to sign a diagnostic estimate rather than being provided with a new estimate that accurately reflected the work I had requested. This lack of price transparency made the total cost unclear.

I expressed my discomfort with signing an estimate that committed me to additional work beyond our verbal agreement, and I requested that only the services agreed upon during the visit should be carried out. I did plan to assess the possibility of repairing the airline, or if necessary, I would procure a replacement. However they proceeded to replace the airline without my consent first. They told me the airline was replaced the day I had to return to work, but that it didnt fix the problem. And asked me did I want them to replace the left and right air spring module. I told them no because the parts were overpriced, and the part # on my old part was different from the part on the invoice. I did agree to pay the bill but solely off the quote the technician told me when we went over all options of the airline. I was later billed a {$1000.00} with no resolution to the issue. We later found out the technician quoted me on the part + diagnostic fee + repair labor as the price for the replacement. Which is confusing to me because the diagnostic fee was paid during my first visit, and I wouldnt needed the part if the airline part was repairable. 
The service center declined to accept responsibility and only provided a revised estimate after the dispute, whereas I should have been presented with that new estimate to authorize right from the start highlighting our service agreement to display the total cost and ensure transparency in pricing.
Product: Credit reporting or other personal consumer reports

XXXX is reporting an inquiry on my credit file. On XX/XX/2024 XXXX XXXX  got a report of my credit without my authorization. I have no business with that company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau has not provided the details that were verified with the creditor. I stated there were multiple inaccuracies with XXXX account and it was over 7 years old. the original deliquency date was somehow removed in XX/XX/XXXX which is now show XX/XX/XXXX with XXXX XXXX. Also, the amount of the debt is incorrect as I have discovered with the creditor should have been {$240.00}
Product: Debt collection

I have sent certified dispute letters & validation letters multiple times to both the company & credit bureaus to delete the inaccurate collections off of my credit report. I have inaccurate addresses, names, phones, & social security numbers. I was not properly verified, there was no proper validation, there is no contract with my name on it, I don't know where this collector has came from & I don't know what they are doing. They need to show me, they need to prove beyond shadow of doubt, that they have proof. Document, signature, digital signature, a voice recording. 
What do they have? Do they any have any of these things? I want this collection to be removed with prejudice immediately.
Product: Debt collection

I am applying for a home loan and Midwest Recovery Systems is putting small debts on my credit files that do not belong to me. I finally paid a XXXX $ debt to attempt to get my mortgage approved. The company could provide no documentation of the debt and had my name, dob and SSN, they did not have the correct address and had an incorrect phone number until we contacted them about the debt to try to clear it up. Now it has been paid and they are not removing it from the credit bureaus. Every time I call I get a different date for when the information will be reported to the agencies.
Product: Credit reporting or other personal consumer reports

On my credit report old accounts that are closed or charged off keep appearing as active like Im using them also there are several accounts that are very old on my credit report that are being reported like there still in use. I dont feel like the credit bureau is reporting my credit score correctly. I have disputed several times but nothing changes
Product: Checking or savings account

This complaint is in response to an existing unresolved complaint XXXX This complaint letter is in response to Wells Fargo 's letter dated on XX/XX/XXXX for the claim above alleging additional information were requested in your letter dated on XX/XX/XXXX however no such request were provided in such letter. In addition, I called your department and spoke to XXXX, in which he refused to give me his last name, and refused to transfer the call to you and told me that a manager will call me but no one did and XXXX didnt mentioned to me that additional information was required from our part. My phone number was included in my letter and never received a call from you either. 
In addition, as you mentioned in your letter 90 days were given to merchant to respond to our claim therefore the burden is on them and is not our responsibility if they fail to respond thus we demand this charges in the amount of {$400.00} to be reverse into our account. 
Also, you mentioned in your letter that you were informed that we had done business with this vendor ; please provide proof for such claim. 
We have been a valued business customer since 1996 and we never have been in this situation being forced to spend time, resources and stress in order to handled 4 un-authorized withdrawals under your surveillance in one month. 
The bottom line is that we didnt receive any services from this merchant and merchant didt provide us with any services ; WellsFargo has failed to provided proof for such claim. 
Our last issue is that WellsFargo has failed to address the fact that the un-authorized withdrawal was done in a date prior to the date allow for withdrawal indicated in the merchant agreement therefore we ask for this charge be reversed into our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to delete the accounts. BUT TransUnion has some internal block which they're claiming they can use to not delete the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX, XXXX, PA, XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I wrote XXXX to dispute the current and reoccurring charges that are being added to my XXXX account. As of XX/XX/XXXX, I was a loyal customer with XXXX. I tried to pay my bills on time and if Id forgotten to pay it, I paid the late fee without any hesitation. On XX/XX/XXXX, I called in to pay my bill and discovered that my payment was a day late. So I agreed to pay the full amount that included the late fee which was a payment of {$150.00} thinking that I was paying my account balance and the representative told me that I shouldnt receive anything late fees or anything on my account. I asked them if the account assure fee was going to be added and he told me no. He reiterated that I would have NO additional fees. 

So, in XXXX I saw an email stating that I had a late fee balance. I was very upset and I called XXXX credit card center and spoke with another representative. I told her about the conversation that I had with the previous rep and asked her if the late fee charges could be removed because I was a loyal customer and I had paid my balance off. She told me no. I was so distraught and after pleading with her, she told me that there was nothing that she could do. So I told her that I would pay the balance and asked her to close my account. She did not offer any other solutions, nor further assistance. 

I just checked my account today and called XXXX back to your company and I was told that although the account was closed, that XXXX is still allowed to charge me late fees and rack up my bill until I paid all late fees. How can XXXX still charge me late fees on an account that I have closed. And I DID NOT WANT to close my account, thats why I paid the balance off and kept the card active in the first place. 

Now, according to the my previous account activity you can see that I paid, what I thought was my balance of {$150.00} on XX/XX/XXXX and right before that date on XX/XX/XXXX there was a late fee of {$27.00} already attached to the accountof which I agreed to pay. Then four days later on XX/XX/XXXX, I was charged XXXX CENTS from XXXX XXXX ( of which I was told that that WOULD NOT HAPPEN ) and then late fees were removed, but the XXXX XXXX fees kept racking up, causing me to have late fees that I was not aware of. 

Now, I have all of these late fees, have had to cut my card off ( of which I loved ) and keep getting XXXX XXXX fees added to my account because of the XXXX XXXX fee of XXXX cents that was added to the account on XX/XX/XXXX, FOUR DAYS AFTER ID PAID THE BALANCE OFF!!! 

I have requested that all late fees, the XXXX XXXX and all other charges against me and this account be removed immediately!!! I feel that Ive been XXXX by XXXX. I do not have {$60.00} to give XXXX! I have never been treated so poorly in my life!!! In my ignorance and frustration, I closed my account and if this is blocking me, then please reopen the account, but still remove all of these fees OFF OF MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit report from Transunion/FICO, XXXX, and XXXX/FAIR all report that I have serious delinquency Too many accounts open Too many inquiries last 12 months proportion of loan balances to loan amount is too high what are the serious delinquencies? 
loan balances are too high? no loans other than my school loan and mortgage How do I close my accounts without being penalized by credit reports
Product: Credit reporting

I have disputed this bankruptcy before several times with TransUnion & XXXX and the outcome of this bankruptcy was discharged which means it does not exist in the courts, XXXX has removed it from my report but TransUnion & XXXX has fail to remove it.
Product: Vehicle loan or lease

My payment was {$540.00} a month was never late not once. I would go online and always make my payment for {$540.00}. Then out of no where BB & T said I didnt have insurance which I have had for 4 years.. Then add {$30.00} a month to the loan and I made my payment online it said {$540.00} due not XXXX.. long story short they called me 2 months later saying I was late by {$60.00} ... How did this even make sense?? I have 5 car autos and never been late Now im trying to get a house for my family and I cant over this.. Lawyer is involved also!! Please fix this thank you
Product: Credit reporting or other personal consumer reports

I uploaded all the fraudulent accounts that was open under my name the previous years 2 car loans, one credit card account, 4 XXXX accounts most of them are on my XXXX credit report, XXXX, equifax
Product: Credit reporting or other personal consumer reports

account in question here is " XXXX XXXX XXXX '' I need this account validated pursuant to 1592g - debt validation, who is the flesh and blood human being who validated the debt to begin with?

further more just with missed payments alone I have clear grounds for a {$24000.00} lawsuit in district court, which I will be pursuing if this fraudulent debt isn't dented form the XXXX  and experian credit file. the last 24 months of missed payments being reported on these credit files is the proof. creditors if and when they report credit history inaccurately, the reason being is defamation and financial injury, the precedent//case law is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the fines incurred are the extent of damages incurred by the wronged party as deemed by the courts. which would be roughly as stated above {$24000.00} per credit file which brings me to a total of {$48000.00} for experian and XXXX. furthermore the 15 USC 1682e ( b ) - compliance procedures, you guys apparently do what ever you want to do, and dont follow federal law which leads me to 15 U.S. Code 1681n - Civil liability for willful noncompliance. which carries civil liability in excess of {$2000.00} for the violations spoken about hereunder.

lastly pursuant to 15 USC 1692c ( c ) - communication with a debt collector. I never want to hear from your corporation again! unless you can validate the debt I am not speaking about statements either! flesh and blood human being their name and their address!