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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXXcXXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at : Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attacheda list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. | do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. | have attached a copy of XXXX  Identity Theft Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumerns, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I want these addresses removed. These following addresses are listed, and I have never lived at these addresses. I want them removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX address ID : XXXX
Product: Credit card

I made a payment to my Paypal mastercard on the website and the system made a double payment. I immediately look to cancel the payment which is a Federal Law that you are able to cancel a payment immediately and the website did not give me the option. I called the number on the back of the card and they told me to put a stop payment on it which I did and than I made another payment from another account I have so I would not be late. the company gave me a return fee for the payment and closed my account I called they will not reverse the payment. this is wrong in so many ways and they need to have an audit on their procedures I want the fee reverse and an apology I am a XXXX XXXX XXXX XXXX for XXXX XXXX. This kind of action is something we would not tolerate. The bank is Synchrony bank in charge of this credit card and they should be fine for not helping a customer, not having the right options to cancel the payment both on the website and over the phone. I also was paying it a week in advance. Poor complaints procedures etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax hacked and my data was breached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, XXXX and XXXX. 

XXXX account # XXXX According to the FCRA 15USC 1681B Permissible purpose- The XXXX ChargeOff account is inaccurate and is in violation of my rights and defamation of my character. 

On XXXX XXXX I mailed out letter for verification of the negative XXXX Item that is being placed on my credit report. ( see attachment letter ) I mailed it certified ( see attached receipt ) using the address on my credit report. XXXX NEVER responded to my letter within or pass the 30 day mark. They also never updated my account with them after receiving the my written letter. The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and creditors that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. 

This account was not validated and because of that I DEMAND that this inaccurate account be removed off my credit file ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX  XXXX XXXX {$1300.00} XXXX XXXX {$2800.00} XXXX XXXX {$460.00} XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. 

XXXX, XXXX, AND TRANSUNION ARE reporting late payments on FOR 69 MONTHS- and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX, XXXX OR TRANSUNION written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Transunion violated my consumer rights by allowing these late payments/utilization to report to my consumer report! 

UNDER ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ) XXXX, XXXX AND TRANSUNION ARE NOT AFILIATED WITH XXXX XXXX XXXX 

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

please delete the unauthorized inquires here 's the lists \ XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I disputed several items on my TransUnion credit report. On my letter, I requested that TransUnion, under the Fair Credit Reporting Act, properly investigate all the items I had listed, fix each and every one on every account or delete all the accounts that they will not correct. 

After several months, TransUnion has not done their job. Items WERE NOT FIXED and WERE NOT DELETED from my TransUnion credit Report. TransUnion is in violation of Federal Law under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I noticed that since the accounts has repeatedly been updated they're now reporting every month as charged off. This is an update to the payment history. A charge off account should Not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. 

XXXX XXXX XXXX - Acct XXXX Reports C/O after update and now reporting a payment history. 
XXXX XXXX Acct XXXX XXXX XXXX after update and now reporting a payment history. 
XXXX XXXX bank XXXX Acct XXXX XXXX XXXX after update and now reporting a payment history.
Product: Debt collection

In XXXX of XXXX, I was contacted by a debt collection company called Hunter Warfield ( XXXX XXXX XXXX. XXXX, FL XXXX ) who was hired by a leasing company, XXXX XXXX XXXX, XXXX, ( XXXX  ) in XXXX NY my son used for his college apartment 2 years prior ( XXXX of XXXX ). The letter they sent stated that XXXX demanded additional funds, over and above the deposit paid. The amount they were demanding was for repairs of issues that were already present prior to my son moving into the apartment or for repairs for issues that were incurred while he lived there that were not under his control ( leaking roof, bad plumbing ). These issues were written down ( holes in walls, peeling paint ) and we were told would be taken care of prior to him moving in by XXXX or were submitted as maintenance requests through XXXX 's website during his time in the apartment. That information now seems to be " lost '' and XXXX is demanding payment for repairs we are not responsible for. I sent XXXX several photos depicting the issues in the apartment during the lease term as well as documents I had sent to the leasing company disputing their charges. The other issue is that the TOTAL amount demanded is {$1100.00}, yet they are asking for this total amount from the 5 different families of the boys that lived in the house at the time, essentially demanding {$5800.00}, which is even more unfounded and in my opinion complete FRAUD.
Product: Consumer Loan

My complaint with XXXX is usury high interest rate that was n't on what I agreed with the officer did informed about the loan would be XXXX $ but when the loan was typed it was a totally different number at XXXX I never agree to this until after I realised this loan will never be paid off
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts have been attributed to my credit file that were opened by a thief not by me. I have not received any goods or services from these fraudulent accounts and inquiries. 
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
Product: Credit card

I got a XXXX Credit card from Comenity Capital Bank in XX/XX/year>. I applied at the store and they gave me a temporary cardboard XXXX. I never got the real one. I remember calling in XXXX and was promised they would send out a card. they never did. I called again today and was told that again they would send out another card. After 4 months of waiting you would think thery might want to be a little more customer friendly. 
I have XXXX confidence in my requests. I asked them to send it overnight. They refused. I am XXXX XXXX XXXX and am running out of time. This is a terrible way to treat an old person, any person. I think Comenity Capital Bank is a terrible, unreliable credit card bank. I am beyond upset.
Product: Mortgage

The property that I own has an easement on properties south of it. Wells Fargo has a mortgage on my property. The property owner of one of the properties which my property has an easement on notified me and Wells Fargo that he intended to file a suit to have the easement distinguished due to lack of use. I notified Wells Fargo immediately that the easements had no value, did not effect the property value of my property on which they had a mortgage ( as it was not included in the appraisal they did to establish the mortgage because it is not registered on the title ) and to not engage legal counsel because I didn't want a huge legal bill for something I had engaged counsel on and would be able to settle myself at minimal cost. But despite that request ( I am in final negotiations to release the easement subject to payment of my legal bill by the other property owner ), Wells Fargo has handed me a {$4700.00} legal bill for what, I have no idea. They went out and hired a high priced legal firm for no reason and because of some catch all clause in the mortgage document I have to pay it. Now I don't mind paying if they must defend their position from a risk but there is no risk here. There is no value in the easements, it can not extinguish their mortgage and they simply do not care about the cost because they feel they can just pass it on. There is no constraints on the lawyer they hired, he is just running up a bill without management of the cost for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I have already called XXXX XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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 a account without my written instructions.
Product: Checking or savings account

Received a check XX/XX/22 for XX/XX/22 I deposited XX/XX/22. Account was blocked for fraud the next day I called them and told them I got the check from my employer and we are on vacation for the next 10 days thats why I received it early. I deposited it early thinking it will still take 7 days to post. I called XX/XX/22 and speaked to someone and that person said my account will be closed and the remains balance will be sent in a check. I told them I had prove of previous pay stubs that this employer is legit and the check is legit. I honestly shouldve waited to deposit the check but closing my account please.
Product: Debt collection

The Fair Credit Reporting Act requires that credit reporting agencies reports information accurately. However, TRANSUNION, XXXX, and XXXX  is reporting much of my consumer information inaccurately. For example, my auto loan and mortgage note should be the only items appearing on any of my credit reports because of substantial discrepancies in which exists elsewhere in my report. Moreover, FCRA requires " consistency '' between credit reporting, thus, to the extent TRANSUNION, XXXX, or XXXX  disputes these claims, complainant would be forced to provide proof of the inaccuracy the credit bureaus are liable for.
Product: Debt collection

I have resided in my home for over seven years and have not relocated. My credit report reflects that i have outstanding medical bills in which I have never received any validation of the debt, explanation of benefits or the option to resolve the debt.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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: Prepaid card

I received a pre-paid card returning a balance I had after closing an account with XXXX. 
On XX/XX/2024, I received a pre-paid card returning my balance. The information provided said the card program was managed by North Lane Technologies , Inc., and that the funds are held at XXXX XXXX  XXXX. 

The information provided included a phone number and website for activating the card, and included a website for a bank transfer or a paper check. I entered the website for the bank transfer/paper check and the website did not exist. I tried calling the number to request a bank transfer and I was unable to speak with a person. The options available on the automated phone line did not include a transfer of funds. 

It appears that Northlane may now be a company named Onbe. None of the options on Onbe 's website would resolve this issue.
Product: Debt collection

Hello, my name is XXXX XXXX. I currently have a balance open in collections due to a medical bill that should have been covered by my insurance in 2017 of {$1300.00}. The original creditor was XXXX XXXX XXXX XXXX. The last reported creditor is Phoenix Financial Servic. I have not once received a letter stating that I could dispute this open balance. The total open balance is {$1300.00}. 

I currently am unable to provide payment and this has made a detrimental impact on my credit score. Being XXXX XXXX XXXX, this debt in collections is making it extremely hard to continue building my credit. 

I request the current open balance in collections from Phoenix Financial Servic to be disputed and removed from my credit history. 

Thank you for your time. 

Best, XXXX XXXX
Product: Credit card

Shortly after opening my card, I received a letter from Comenity, which administers Ulta Beauty Credit Card, stating that I would be prohibited from calling them. I am unable to use their phone number to contact customer service because I complained about their Rewards points program being Bait and Switch. I have been affected by the CA wild fires and have attempted to contact them per their website which states that I can talk to them about payment options during this disaster. When I call, it doesn't ring and I immediately receive this message : " You are not authorized to dial this number. '' They have blocked me from contacting them and won't allow me to speak with anyone about my account. How is this legal?
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a request to investigate the accounts below due to inaccuracys. I received a response from Equifax stating both accounts have been verified and are accurate. I disagree with this decision and I would like a detailed explanation on how these accounts where verified and the process used for verifying these accounts. If this can not be provided please remove these accounts listed below. 

XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Debt collection

Dear Sir / Madame. 

I received a collection letter from a collection agency, Joseph, Mann and Creed, for the amount of {$80.00}. This is in regards to an amount I disputed with XXXX Car Rental which has been subsequently been resolved with my credit card company, XXXX. As a matter of fact, it was resolved with CFPB 's assistance via case # XXXX. I've attached the resolution letter from XXXX. My understanding is XXXX has resolved this issue with XXXX so I'm perplexed why I'm getting a collection letter from the collection agency. 

Not only that but it seems XXXX has suspended my renting privileges with their company as well as my XXXX XXXX status. 

Again, the {$80.00} was incorrectly charged on my XX/XX/2021 rental and therefore should've been correctly reversed by XXXX. 

XXXX XXXX XXXX. The letter from XXXX says they resolved the issue with XXXX for the amount of {$80.00}. However, the original complaint was for {$80.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 1 account on my credit report that is really hurting me which is not my account I have not opened this account I want this account gone since it is not mine I have sent the bureaus multiple letters but they are not doing anything about it. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account!!!! 

There is also a Bankrutpcy that is not mine and is on my XXXX  report I need this removed as well