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

X/XX/2017 Customer Service - General Inquiries | Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Sir or Madam, I am writing to you today to explain an incident that occurred on my account regarding the statement dated XXXX XXXX 2017. As noted, my payment was delinquent in excess of 60 days. In XX/XX/XXXX, I paid the account in full, but due to Discovers inaccurate payoff amount, the account remained with an outstanding balance. Thus, I assumed my payments were being made in a satisfactory manner even though they were not. Discover reported Late Payment delinquency to the credit bureaus, and decided that it was not their fault. We think otherwise as it is Discover 's error that caused this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX settled this account and agreed to remove all negative information. 
I believe its over XXXX XXXX XXXX and Equifax still shows negative history and can't seem to update their records.
Product: Credit reporting or other personal consumer reports

l Statement I have complained numerous of times about these same accounts. i have mailed multiple letters and even called to complain about these accounts. these accounts are fraudulent and do not belong to me. I am a victim of of identity thefy and these accounts where opened with out my consent. This has caused me to get denied auto loans and also numerous credit cards. These companies send mefraudulent validation contracts and signatures of accounts that arent mine, these companies fail to remove these negative incorrect accounts from my credit report. These also fail to semd me a updated copy of my credit report with the correct information. My next step is to file lawsuits on all parties involved for defamation of character and damages. This is my finel time demanding these fraudulent accounts to be removed from my credit report.
Product: Credit card

Fraudulent charges not allowed by Home Depot - Provided letter stating the I did not use the card or authorize anybody to use it. Sent copy of my driver 's license with signature and copy of police report. See attached word document summarizing dates and who I called.
Product: Debt collection

Someone stole my identity and opened many accounts wihtout my permission or authority. Please check 100 percent accurate, true correct. XXXX XXXX is aware of the issue & agreed to remove the account from my credit file. Please remove.
Product: Checking or savings account

on XX/XX/2023 Wells Fargo decided to close my account because i received a wire that was not setup correctly from the person who sent the money to me. I explained that it was not my fault and they should go by the Fed # system related to the wire but they had frozen my account since then and set up a closer date on XX/XX/XXXX  and they extended the closure multiple times, ever time i call, they give a new date, it was supposed to close and today XX/XX/. they said, the closure date is XX/XX/XXXX  but i know they will extended it at that time again. 
This is not fair and i really don't understand why they are doing this, i can't use my money at all. 
I already went through the hassle to change all my payments/direct deposit to the new bank i opened. 
please help. 

thank you for your time
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found 30 day late payments reported for XXXX, XXXX and XXXX of 2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Product: Bank account or service

Citibank Best Buy Credit Card will not stop harassing me. I do not even have this credit card. The Best Buy automated calling machine has now left about XXXX messages on my home phone. The messages ask me to call XXXX. I called this number and asked them to stop calling. I confirmed that I am not the person they are looking for, gave them my number and they assured me it will be removed from their computer. The calls stop for about a week and then resume again. After XXXX unsuccessful attempts to get them to stop calling I am contacting you hoping that you can make them stop. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report. : XXXX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with AFFIRM INC for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 
The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 XXXX XXXX ( XXXX ) XXXX Went to Bass Pro Shop in XXXX, Texas and filled out credit application to buy a boat. I found out about it due it dropping my credit rating 50 points. My bank notified me of something strange, so I looked into it and found the issue on XX/XX/20. I looked at my credit report and there was a transaction by XXXX going through Capital Bank. I immediately called the Store and they verified the transaction Reference # XXXX processed on XX/XX/20. They referred me to the fraud Dept. and I waited 2 hours, before I got to talk to a lady named XXXX. She gave me a FRAUD # XXXX and said they would check in to it. I ask how long before my credit would be fixed and she said maybe up to 2 years even though I gave them the name of the person and her email address. ( XXXX ) Capital One Fraud Dept ( XXXX ) XXXX I have been not only had fraud against me my credit report is now XXXX up!
Product: Credit card or prepaid card

Chime checking and credit XX/XX/XXXX to XX/XX/XXXX XXXX
Product: Debt collection

XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX LVNV Funding LLC Care of Resurgent Capita XXXX, SC XXXX Subject : Cease and Desist letter for in accurate reporting of an unauthorized account Dear LVNV Funding LLC, am writing to formally demand that you immediately cease and desist from reporting in accurate and erroneous information regarding on an account that is not mine to the credit reporting agencies. Your continued reporting this false information is damaging my credit score and causing undue financial harm specifically, I have identified an account that appears on my credit report which I have never authorized. I have not entered into any agreement or contract with your company regarding this alleged debt. Your reporting of this information is in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 s-2 ( b ) and Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C1692e ( 8 ), which prohibit the furnishing of inaccurate information and deceptive collection practices. Please provide written information within 30 days that this account has been removed from my credit report.

I demand the following actions be taken immediately : Cease and desist all reporting of this unauthorized account to the credit bureaus ( XXXX, XXXX, XXXX ) Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name, addresses, and employment should be updated. REMOVE ANY OTHER ADDRESSES. THAT IS NOT ME. THEY HAVE OTHER XXXX XXXX OUT THERE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is the ONLY INFORMATION that should be on my credit report. Im demanding this info be UPDATED immediately. Thanks
Product: Debt collection

On XX/XX/2023, I contacted the company, XXXX XXXX and spoke to a very numbed speaking man that I had to interrupt several times because he was speaking fast as to read the script, I stated I wanted a supervisor. He said, let me get you to who got to handle yo I told him again I asked for a supervisor. He then quickly said, it aint a supervisor issue and placed me on hold. I then called back, spoke to a RUDE and left to be desired supervisor named XXXX XXXX. She also wanted to rush me off the phone reading quickly speaking fast as ever and again when I stated I wanted to address the behavior of the previous representative, she tried to dismiss me and then tried telling me to PAY WHAT I OWE. 
I asked SEVERAL TIMES to speak to her superior and she said, oh thats not going to happen. I said I will call back, she said and you will get only me and refused to get me to someone over her. 
I dont know what kind of ghetto business this is, but clearly the issue is someone that has my information. But I will now address that this is Identity theft, AFTER I READ THE NOTICE AND LOOKED AT WHAT I CAN DO! So maybe you can save your company some money, make sure people see what they can do without having to deal with people like XXXX XXXX and representatives that are very comfortable in their ill mannered behavior. I hope XXXX XXXX supervisor can maybe get her some customer service etiquette and explain that this may not be the career move for her.
Product: Credit card or prepaid card

I purchased a pre-paid Visa card in approximately XX/XX/XXXX. I tried to use the card in XX/XX/XXXX. When the card did not work, I contacted Gift Card Mall, the issuer of the card. Gift Card Mall opened a case which determined the card was used in XX/XX/XXXX, more than two years before I opened the card. Given the time that has elapsed since the card was used, Gift Card Mall is unwilling to resolve the fraudulent use of the card.
Product: Credit card

I submitted a Servicemembers Civil Relief Act ( SCRA ) claim to American Express, requesting to have my card 's annual fee refunded for the years during which I performed XXXX. American Express is telling me that XXXX does not count as XXXX and, therefore, is ineligible for SCRA benefits. Title XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX states that XXXX is considered XXXX XXXX. Furthermore, I submitted copies of my XXXX XXXX showing the dates and durations of my XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an item posted on my credit report from XXXX of Illinois, XXXX XXXX XXXX XXXX, that reported negative on my account. I have since satisfied the account as PAID and have attached a copy of the paid notice. This item is reflecting negative on my Equifax, XXXX and XXXX when I have paid account and the account is now closed. Spoke with representative who stated information should update and reflect on my credit report but it has been over 120 days and no reflection of paid status and removal.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub> 2024 I was XXXX for XXXX XXXX and I had somethings that was on my report like a car and a loans and phones and I wrote the credit bureau showed the proof that I was incarcerated at the time of the said charges amd they still told me it was my debt everything
Product: Debt collection

FCN reported several medical accounts on my credit report for XXXX XXXX Hospital sometime in late XX/XX/XXXX. I called them and advised them it was I had never been to XXXX XXXX Hospital nor did I live in the area that XXXX XXXX Hospital is located in. 

They advised me I need to provide a police report and fraud affidavit, so I filed a report with my local sheriff 's office. This official report was provided to Financial Credit Network in XX/XX/XXXX. It is now XX/XX/XXXX and the accounts still remain on my credit report. 

I called FCN to see why the have not removed this, and they claimed they needed " proof '' I was not in the hospital on those dates. I advised the representative that I have rights under consumer protection laws that are invoked as soon as a proper law enforcement report and fraud affidavit are filed with them. They must remove any fraudulent information from my credit files. Asking me to prove a negative is not a requirement under the law. I am the victim here, and after providing a law enforcement report, under penalty of perjury, they must respect my rights.
Product: Money transfer, virtual currency, or money service

I have been using XXXX without a proper disclosure
Product: Credit reporting or other personal consumer reports

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX XXXX XXXX XXXX  and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX
Product: Vehicle loan or lease

To whom it may concern, Santander is reporting misinformation on my credit report, The account is resolved but it comes up on the XXXX  database when I am trying to purchase a vehicle. Attached is what I can see on my XXXX XXXX. As you know their have over six thousand complaints in your database with these types of discrepancies amongst other lawsuits and the like attached are supporting documents Thanks For your diligence in the matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been billing me $ XXXXmonth since XX/XX/2018 when they say that I signed up for a FREE TRIAL report that automatically resulted in a monthly charge thereafter. 
I am not aware of ever having signed up for anything with EXPERIAN. I called them and asked for proof that I signed up for anything. A supervisor named XXXX told me they had this proof. I asked to see it and they said they have no obligation to provide it to me according to their terms and conditions. I told them that I did not ever sign up so I am not bound by their terms and conditions. SHE REFUSED TO PROVIDE ME WITH PROOF to justify their monthly billing. How can this be tolerated that a consumer is not provided proof of a contract EXPERIAN says I was bound to? I told her to check my activity since 2018 and see that I HAVE NEVER EVER used their service. She said that it was irrelevant if I used their service or not. This company is obviously one XXXX  company. Not surprised. If the only way I can get proof that I signed up for the service is by initiating a Small Claims Court case, I will.
Product: Checking or savings account

Hello, I previously had an open case with your company and then it was closed by you because it looked like Huntington Bank was taking steps to resolve it. After they sent me an email to mail required documents to a given address in early XXXX, I have not received the money from my deceased mother 's account. I have emailed the representative XXXX XXXX and phoned him twice and have not received a response nor the funds. 
Below is the complaint number you can reference regarding the details of the initial complaint. 
XXXX Filed in XXXX Thank you, You can reach me by email at XXXX or phone at XXXX. 
XXXX XXXX
Product: Debt collection

I have been contacted via phone and mail by MCSI collector on numerous dates for the past 3 months, I have asked them to stop calling me or risk a lawsuit by non-compliance. However, I have been receiving calls on a monthly basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

The equifax company leaked my information to people, including ssn, date of birth, name, sex, address. This is unacceptable and very unprofessional! I feel very unsafe now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the paid off account/s listed above. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report. Per 15 USC 1666b a creditor may not treat a payment on a credit card as an open ended consumer credit plan. Please update the payment history as XXXX  status ( Paid as Agreed Never Late ).
Product: Credit card or prepaid card

I received an email on XX/XX/XXXX regarding a 0 % rate for purchases only through XX/XX/XXXX on my Capitalone account. I left a balance on the only Capitalone card I use on a regular basis and I got charged interest for it. After talking to the supervisor, she said it pertained to my other account, not the one I use on a regular basis. I didn't even realize I still had another account out there. And they wouldn't tell me when the last time it was that I used that account.

After speaking to a supervisor, they said there was nothing they can do even though they can see where the confusion is. I also have two credit cards tied to the same account, which could easily be mistaken as well. Again, I didn't know I still had another account out there.I use one account on a regular basis that has two separate card numbers and the email was for another account that hasn't been used in over 10 years.

I asked if they would honor the 0 % for the remainder of the advertisement to the account I thought it pertained to and they said no. It was only for the other account, one that hasn't been used in over 10 years. I am tired of these companies using deceptive practices.
Product: Checking or savings account

It appears to have started back on XX/XX/23 with an unauthorized ATM withdrawal of {$500.00}. From that date until approximately XX/XX/23 there have been multiple unauthorized ATM withdrawals from both my checking and savings accounts until both were drained and or overdrawn. 

During this period I did not receive any bank statements that would have made me aware of this situation either. In early XXXX, I discovered that my ATM card was lost and reported it. I received a new one but somehow the unauthorized withdrawals began again without my knowledge. 

It appears as though I am a victim of a cloned card or a skimmer of some sort. As a result, I have lost approximately $ XXXX {$35000.00} between both accounts and nothing was flagged by the bank. A scan through my account history would show that I have never had many ATM withdrawals throughout my long history with my bank.
Product: Debt collection

On XX/XX/2017, I received a derogatory mark on my credit report from the American Adjustment Burea of {$310.00}. I've attempted to clear the negative remark on my report for it is hindering my ability to open accounts and I was not sure where this bill was coming from. I would like to address this immediately. I want to clear the negative remark by paying the balance or having it be forgiven. I was unaware of the implications and I am in a tough financial situation right now.
Product: Credit reporting

A new vulturous collection agency named XXXX XXXX XXXX is reporting on my credit in the amount of {$990.00}. This account has been removed from my account over and over and then reappears under a different name each time in which Experian has not been able to verify and all have been removed. However, it is reporting again. This has got to stop!! This is an invasion of my good credit and has been going on for over 7 years.
Product: Payday loan, title loan, or personal loan

Because the rate or fees, as they call them, are so high i will never be able to pay off the loan. I keep making payments and the amount keeps going up and they will not work with me. 
I spoke with XXXX XXXX who is the XXXX of XXXX who assured me if I stopped using the line and if i kept making regular payments ( promise to pays ) he would work with me so the balance would go down instead of up!! But he has not! 

It was originally a XXXX and even thought i have never had a month where i did not pay at least XXXX bucks it is now close to XXXX!! It was only opened less than a year!!! 

That is the definition of predatory lending!!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of Debt bondage and would like for all listed accounts to be blocked and removed from my credit : XXXX XXXX XXXX$350.00} XX/XX/year> # XXXX Remove Acct XXXX XXXX XXXXXXXX Remove inquiry XXXX XXXX XXXXXXXX Remove inquiry
Product: Credit reporting or other personal consumer reports

Based on the Consumer Law, the following companies are NOT allowed to report Transaction History. A Corporation can not report transaction history ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- XXXX XXXX XXXX XXXX XXXX XXXX