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

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX  XXXX
Product: Checking or savings account

Chime will not give me my money back and I was stolen from me I give all my info about the money to them
Product: Credit card or prepaid card

Please update it and remove the Inacccurate late payment on my account
Product: Student loan

You stated on my last compliant that this loan was charged off. " Previously serviced your Private Tuition Answer Loan, which charged off due to non-payment in XX/XX/2010. '' But yet it still reflects as you trying to collect on mt student loan page and credit report. This loan was charged off over 7 years ago. Its but 14 years. This exceeds the Statue of limitations for reporting and is to be removed all together. You have failed to do so.
Product: Debt collection

I am receiving a bill from XXXX for {$20.00} for a subscription I allegedly pledged. This was after allegedly five previous attempts to bill me. I never subscribed to XXXX nor have I ever received a single issue of the magazine. 

The letter, allegedly from XXXX XXXX in the state of Florida, indicated that failure to pay the {$20.00} may result in referring the " debt '' to a collection agency. Two postal days later, I received a collection agency letter from North Shore Agency, operating allegedly in New York state.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has adjust this registration
Product: Debt collection

GM Financial has made my life a living nightmare over the past month. They have been harassing me and extorting me for money over an alleged debt for an auto loan. The account has been showed as paid off on my consumer report since on or around XX/XX/. On XX/XX/XXXX, they conspired with a towing company and stole my vehicle at my residence. I am in possession of the title for this vehicle lien free with them released as lien holder as of XXXX XXXX PLEASE SEE ATTACHED IN-DEPTH COMPLAINT AND SUPPORTING DOCUMENTATION. NOTICES HAVE ALSO BEEN MAILED TO COMPANY VIA USPS CERTIFIED MAIL and Fax.
Product: Debt collection

I went into Kohl 's to shop and the service person asked if I wanted a discount and signed me up for a credit card in XX/XX/2023. I did not realize I was signing up for a credit card until my parents received a statement at their home in Florida, I live in Michigan. I went in and paid the balance and verified they had my correct address in Michigan. ( I have never lived at my parent 's home in Florida ). They proceeded to send me statements of late fees to my parent 's home in Florida. I called the local Kohl 's and they referred me to the customer service number. After another statement of late fees, today, XX/XX/2023, I contacted Kohl 's customer service and spoke with XXXX ( XXXX # XXXX ) to address the issue again. and she concurred my correct XXXX XXXX, MI address was in the system but would only refund me two of the three late fees, though she also confirmed they continued sending the bill to my parent 's home. I should not be required to pay a fee for their miscommunication.
Product: Credit reporting or other personal consumer reports

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. 

CONSUMER XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX ACCT # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 
HAS VIOLATED MY RIGHTS.HAS VIOLATED MY RIGHTS. 

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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

I received a letter from XXXX XXXX Bank XXXX XXXX XXXX On XXXX XXXX, 2016. In that letter they stated that they were going to contact Experian and have my disputed Inquire deleted from my Credit Report. I viewed my Experian Credit Report and unfortunately the XXXX XXXX Bank and XXXX Inquire is still reelecting the hard inquire. 
Furthermore, I have contacted Experian on numerous occasions and they have failed to update my accurate with my correct contact information. It is still reflecting my old telephone number. The phone number that needs to reflect on my Experian Credit Report needs to be XXXX.
Product: Debt collection

This debt collection agency Recievables Performance is stating that I owe {$1900.00} on a phone bill. I have never recieved a phone bill from this company and i have never had any verification proof that this debt was mine. I have tried to dispute this online but have had no luck.
Product: Credit reporting or other personal consumer reports

Incorrect Home address Reporting on my Experian credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I applied for the COVID-19 SBA relief funds and was denied because of my credit score being under 640. After calling XXXX XXXX they explained to me there was an auto loan account that is behind as well as some collection accounts. These accounts do not belong to me and I have never lived at the address these accounts are associated with. I have called the companies to report the issue and I have also filed a report with XXXX XXXX Police Department. Please remove these accounts from my credit report quickly so I can apply for the disaster loan.
Product: Prepaid card

We had bought the vanilla Gift card from XXXX store and we had tried to use over different merchants online and it seems that card transactions are getting decline despite having balance and active status. We had tried multiple times to call them and there is no option for talk to customer care. We are very dissatisfied with the services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed someone applied for a credit card without my knowledge and authorization. Also some filled me for tax which I did not authorized. I believe someone stole my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bringing this complaint forward as I have contacted this credit bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. 
The accounts are listed here below : XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Bank account or service

A deposit was made into my business banking account on XXXX/XXXX/2016. The deposit was XXXX US Postal Office Money Orders. Wells Fargo has placed an extended hold on these items, stating that it 's justified because my account has been overdrawn in the past 6 months. ALL information I have been able to find in the FDIC, federal reserve, and by making a call to XXXX states that Government Checks, as well as US Postal Money Orders, are to be made available in 2 business days. Wells Fargo refuses to release the hold. These funds need to be transferred to a paying client. Please advise if this is legal
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of my XXXX XXXX  account XXXX FOR INCONSISTENT INACCURATE REPORTING ON BEHALF OF TRANSUNION. Due to major discrepancies between TransUnion, XXXX, and XXXX. These contradictions prove that the information is unreliable, and therefore, it must be deleted Under 15 U.S.C. 1681e ( b ), XXXX is required to follow reasonable procedures to ensure maximum possible accuracy. The inconsistencies between XXXX, XXXX, and TransUnion prove that TransUnion has failed in this duty. 

Under 15 U.S.C. 1681i ( a ), if the information is inaccurate, incomplete, or can not be verified, it must be deleted within 30 days. Since Transunion reporting directly contradicts both XXXX and XXXX, it is clear that the account can not be verified and must be removed. 



Disputed Inconsistencies Requiring Immediate Deletion : Payment History Conflicts : TransUnion reports charge-off status, while XXXX reports XXXX payments. 
These reports can not all be correct, meaning the information is unreliable and must be deleted. 

Last Payment Date Discrepancy : TransUnion reports XX/XX/XXXX as the last payment date. 
XXXX lists XX/XX/XXXX. 
Since this information can not be verified, it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, The following list of 15 hard inquiries were not approved my me. The companies that pulled my credit did not have my consent. I am asking for these to be removed from my credit reports unless they can prove otherwise in writing by bearing a copy of my signature for consent or my recorded voice. ( please see attached file ) Thank You XXXX
Product: Credit card or prepaid card

I am a current Chase Bank customer. I had a Southwest credit card and closed the account on or about XX/XX/2019. I never received paper statements as I did everything electronically and I cut up the credit card. I do not know the credit card number only the last four of the credit card. I was told by Chase that after 6 months the account is " purged '' and no one from Chase Customer Service can access the account. I purchased XXXX and airfare for 4 adults to several places in XXXX for a vacation for the end of XXXX and beginning of XXXX. Due to COVID-19 reservations are being cancelled and refunded to this closed account. Chase customer service said they have no way to help me get my refund or check the status of any refunds that have been credited as the account in " purged '' and I don't know the credit card number so I can't file disputes. I am waiting on a refund from XXXX XXXX XXXXXXXX in the amount of {$1700.00} XXXX XXXX XXXXXXXX 's case number is XXXX. XXXX XXXX  sent me documentation that they did refund me {$580.00} on that card. There are still other charges that I anticipate will be refunded within the next month to this credit card which will be over {$2000.00}. I am at a loss. Chase tells me there is nothing they can do for me as I don't have the full account number but they have taken away access to all statements where I could obtain that account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit profile that were not made by me. I have been in contact with the credit bureaus and they have not resolved this issue. I would like all these incorrect inquiries to be removed from my credit report. Please see info below : XXXX XXXX XXXX : XXXX EXPERIAN XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX of XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX of XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

Trans Union Re-inserted Hard inquires onto my consumer report all within 1 weeks time after removing all of them in the first place. This was all done without proper notification and without basis. As such has adversely affect my credit score by making it go down and impairing my ability to refinance my car at the best terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all 3 credit bureau reports, they show an account that was deleted at least a year ago and now this account is popping back up. the information is as follows : Paramount Recovery opened on XX/XX/2019 Original creditor is XXXX XXXX XXXX XXXX for {$480.00} dollars. 
Previously on all 3 credit bureaus, this incorrect account was removed and now is back on them again without my prior knowledge, until I looked at my reports recently
Product: Credit reporting, credit repair services, or other personal consumer reports

**UPDATE XX/XX/XXXX*** I CALLED CFPB TO FIND THAT IT HAD BEEN TURNED OVER TO FTC. I CALLED FTC AND THEY SAID COMPLAINT NEEDS TO BE RE-SUBMITTED BACK TO CFPB. ANOTHER CALL TO CFPB AND REP SAYS IT SHOULD NOT HAVE BEEN SENT TO FTC IN THE FIRST PLACE. 
PLEASE ADDRESS THE COMPLAINT AS STATED BELOW - My problem is that each reporting credit bureau is not doing what they should be doing to remove an error in reporting from XXXX XXXX XXXX. XXXX XXXX XXXX is erroneously reporting a collection balance to their collection agency, XXXX XXXX. Both have conceded the error and both state that credit bureaus have been notified, yet negative report is not being removed. This has been going on FOR OVER SIX MONTHS NOW! 

Very, very frustrated with all three reporting bureaus and with XXXX XXXX XXXX, a company that does not operate with ethics, integrity, unscrupulous billing practices and/or at a minimum, such incompetency that the right hand is not with the left hand. Even the collections company has admitted that they often are chasing collections that are not accurate and frivolous. You can see that everyone and everything is screwed up in this whole mess including that CFPB kicked this out to even begin with. VERY FRUSTRATED! 

The bill is from XXXX XXXX for {$220.00} dating back to XXXX - XX/XX/XXXX. 
In XX/XX/XXXX, I noticed that I have been turned over to collections and is now showing a hit on all three major reporting credit bureaus for this {$220.00}. We have, for over eight months now received collections calls, made calls in response to bills we were receiving and been told numerous times that it is an error and that it will be taken care of. A different call might be a different answer ( that we also have had many times ) that might be from a collector stating that we owe the money. On XX/XX/XXXX, we finally reached a supervisor at XXXX XXXX that sees the error, will kick it back to XXXX with her notes stating the valid dispute but can not guarantee the results in our favor. Thus, this complaint and with certainty that this will not be disposed of UNTIL we file this complaint. 
The absurdity to this is in relation to a HOT SPOT device we tried out from XXXX in XX/XX/XXXX that had a 30 day return. We returned it back in 3 days since it did not work in the remote area we live in. The return at that time was confirmed that the device was received back from XXXX and that was the end of it ... .UNTIL several months later when all of this nonsense started. TO THIS DATE, XXXX XXXX XXXX AND THE COLLECTION AGENCY HAVE ACKNOWLEDGED THE ERROR BUT NOW THE CREDIT BUREAUS ARE NOT REMOVING THIS ERROR.
Product: Credit reporting or other personal consumer reports

I have requested on numerous occasions to have item removed from all credit bureaus, as this item is over seven years old.
Product: Credit reporting or other personal consumer reports

There are items and and accounts on my consumer report that are a result of identity theft. Consumer reporting agencies, TransUnion, XXXX, XXXX are reporting items/accounts that do not belong to the consumer. Not only is this hindering my ability to operate in commerce, but it has caused mental distress, defamation of character, my ability to extend credit for personal, household, and family needs. Consumer reporting agencies are to follow reasonable procedures to maximize and assure the maximum possible accuracy of the information concerning the individual whom the report relates to as well as exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. I believe TransUnion, XXXX, and XXXX have not been meeting their reasonable procedures in a manner that is fair and XXXX. The frivolous and inaccurate items that are being furnished on my consumer report are by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which both organizations have failed to validate the alleged debt/account. There are no contracts existing between the consumer and the organization reporting these erroneous accounts. Furthermore, my concern is how the organization obtained my non-public personal information. TRANSUNION, XXXX, XXXX, XXXX XXXX XXXX, and XXXX are in several violations of the Fair Debt Collection Practice Act, the Privacy Act of 1974, the Fair Credit Reporting Act ( 15 USC 1681b 15 USC 1681q ) makes me wonder if they're attempting to conspire to create a false belief the consumer owes such an alleged debt and extortionate the consumer.
Product: Credit card

This is a follow up to complaint # XXXX against navy federal credit union . I sent Navy Federal another email on XX/XX/23 at XXXX as follows : I have attempted today to pay the remainder {$120.00} balance on card ending on account XXXX. I paid {$500.00} on this account on XX/XX/23 from the XXXX account ending in XXXX that is not reflecting on the account! Why in the world can I not pay the remainder balance! Why is this account greyed out?? My mother has nothing to do with what is going on. How can we pay bills if you all are purposely jeopardizing the account because you think I am a scammer?! My mother called navy fed and had the remainder balance extended out until the XXXX why can I not use the same account that was used to pay the {$500.00}??? 

Update XX/XX/23 My mother just called them again at XXXX and the representative has made a note in the system stating that it is in system that {$500.00} came out of the account ending in XXXX! My mother keeps stating that she has authorized me to use the card. I am DONE with Navy Federal and XXXX is my witness that I will not stop until I prosecute this credit union to the full extent of the law the same way they unjustly have tried to do me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
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 : XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Mortgage

XXXX XXXX, my loan officer, said I needed to pay off my lease. I paid it off, but then she calls me on XX/XX/2020 saying I can not qualify for the loan because leases are not accepted by XXXX XXXX. 

I asked for the verbiage from XXXX XXXX, she did not give it. I asked to speak to her manager, she did not let me speak to her manager. 

She is guilty of at least incompetence, maybe outright fraud. 

I am out all the time I spent getting prepared to buy this property, including selling stock, paying for an inspection, driving and viewing the property, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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: Credit reporting, credit repair services, or other personal consumer reports

This is another attempt to notify the Credit Bureaus regarding the fraudulent activities I have noticed on my Credit File. I dispute certain accounts in my file that are a result of this crime. My personal information was exposed in the Equifax data breach. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the fraud. These accounts are unknown to me. Also, the information that some other Credit Bureaus provided on some accounts is DELETED compared to others and I have doubts about the accuracy and the reported payment history on some accounts is a mystery to me. I need the following accounts removed from my Credit File that were opened due to fraud : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00}. As much as I greatly appreciate the removal of some of the previously disputed fraudulent accounts, I am going to ask once more to remove the remaining accounts that were left for they too were results of the fraudulent activities. If the Credit Bureaus can prove that the disputed items belong to me by providing any legal documents bearing my signature. If the Credit Bureaus are unable to do so, I expect nothing but the deletion of the disputed items.