23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hello I am a victim if identity theft and Ive disputed these items min the past with no resolution Im asking that this information be delelted from my credit report because it does not reflect my true credit worthiness!! And its false XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$60.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$16000.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$100.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$2200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$2300.00} Inquires XXXX XXXX Inquiry date XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, 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 confidentialty under 15 USC 1681. 

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 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

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

On XXXX/XXXX/XXXX I received a XXXX for year XXXX in my name from EquiFax. On XXXX/XXXX/XXXX I sent letter to EqiuFax which they ignored. XXXX/XXXX/XXXX registered letter to EquiFax requesting information as who was paid funds stated on XXXX as I did not receive them. Also this info should have been available to me prior to XXXX/XXXX/XXXX for income tax filing. EquiFax responded with their dispute form with " Result of our Reinvestigation '', " Please be specific with your concerns by using the account names, numbers, and the nature of the dispute. '' This is a cope out and delaying tactic by EquiFax as I enclosed a copy of their XXXX asking for a copy of who the disbursement was made to and any information where the funds were deposited. 

On the EquiFax web page the only phone numbers that I could find are those where you can not contact a live person and only speak to a robot. EquiFax will do everything to frustrate you in hopes you will give up. In their communications they never cross reference anything and do not respond to direct questions. I searched XXXX and found a number where I could speak to someone at EquiFax. 

I called XXXX on XXXX/XXXX/XXXX and spoke to XXXX who was very helpful and got me over to XXXX XXXX XXXX unfriendly ) who is in their Dispute division and he stated I needed to address this to their legal and I would have to do this thru a lawyer. He also stated that I sent my letters to the wrong dept. and I told him I sent it to the address on the XXXX form. 

I have had a dispute with EquiFax over the period from XXXX thru XXXX concerning a negative in my Credit Report. This was finally settled in a court case and there are no negatives in my report. 

I find EquiFax a horrible company which is beholden to the credit issuers and not the consumer who is an obstacle to their bottom line. All I want is the information related to this XXXX form.
Product: Debt collection

Someone used my information to enroll in school. They obtained a laptop and the amount of the laptop is on my credit report. The account was opened on XX/XX/.
Product: Credit card or prepaid card

On XX/XX/2023, I traveled out of town and found out that as I tried to charge a hotel stay, that my credit card limit was decreased. I contacted American Express right away and no explanation was given other than after a review of my account was the reason. I have never been late since opening the card. I have even made additional payments before or after my due date. When I opened the card I questioned the high interest at the time because my credit rating was over 700 but never followed up again. With I was told by management after an hour that I needed to make a payment and then the credit limit would be restored. That was untrue. I was then told that I needed to make another payment as well before the call ended. Finally, they allowed me to use the card and caused me to be over the limit. This caused additional fees and charges. I contacted AMEX today to close the card but was advised not to until my year of having the card was near to avoid additional promotional penalties. I explained that my financial strain was due to losing a parent. I was only offered a payment plan. I am requesting the waiver of these fees. I would have made additional payments had this not occurred. Now the account is over the limit causing more fees and the interest is just as much as the payment so, little is going to the principle. I'm drowning at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 hard inquiries on my equifax credit file that are not mine can not be proved they are mine but they refuse to remove them
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Equifax : XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX TransUnion : XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  already collected the debts XXXX  multiple times an recovery funds multiple years still using the same debt fraudulent activity to collect money an reporting deceased illegally an reporting false information an payment to receive more money reported to TransUnion credit report agency were they failed to investigate the debts collected agency due to falsely report information an XXXX XXXX XXXX XXXX XXXX sold my personal information after they received multiple payments statement said paid reported to TransUnion as unpaid an TransUnion credit agencies refused to delete XXXX XXXX  company an XXXX XXXX XXXX XXXX XXXX from my credit report that hurting my credit score due to illegally activities going on with these companies I requested everything be removed an deleted from my report reporting false information
Product: Credit card or prepaid card

The XXXX XXXX XXXX managed by Barclays is the worst in handling accounts as a financial institute. The bank without any kinda of notification cleared balance transfer request of {$9000.00} and then {$6000.00} on the same day. The total amount was nearly {$5000.00} over my approved credit limit and I never got any notification or alert that a transaction is request over my credit limit. 
Then when I call the customer care they tell me please ready the fine print it is mentioned that balance transfer are approval based on the information provided and can go over my approved credit limit. When I raised my concern on my account security said banks fraud team decide the authenticity on the information provided and will only contact me if they feel it is a fraud. Which mean they are ready to transfer money from my account over the approved credit limit without notifying me in any ways. Which is a high risk and concern for me, provide in this case I messed by request two balance transfer because I never got any notification for the first balance transfer request. 

But, what if my online account access was jeopardized and a stranger would have request the balance transfer which is over than my approved credit limit. This is a high risk for all consumers in the bank. 

It is not correct to approve balance transfer request over my credit limit without confirming or notifying the customer who owns the account. It end of the day me who will have to pay.
Product: Credit card or prepaid card

I have been trying to make a payment with Comenity for my Lane Bryant Store Card for 3 days now. They have claimed they are undergoing a planned system update. This has been going on for almost a week. I can not submit a payment online nor can I get anyone on the phone to pay the bill via the phone. My bill was due today XX/XX/2022 and I utilized multiple channels to attempt to make a payment. I am worried that I will be hit with both late and/or interest fees. The company should be proactive in alerting customers via email that something is going on and take action to calm the nerves that everything will be rectified and their customers will not be charged with fees.
Product: Student loan

I have XXXX private loans with Navient. They have continued to not work with me for years and at this point I can barely afford to pay for the interest. I have not even made a dent in the principle for years. They also put XXXX late payments on my credit report which was an accounting error on their end and I have been disputing it for a year now with no luck.
Product: Checking or savings account

Allowed account to be charged from various companies when money wasnt not there charging excessive amounts of fees in overdraft and then closed my account! Then snatched money from savings account without permission!
Product: Mortgage

US Bank, XXXX - charged off XX/XX/XXXX. I fought this. I was in touch with bank teller in XXXX, TN. He wasn't even with the Mortgage dept. i could have paid off balance where i was a few months behind due to unemployment. 'XXXX '' sent my account to charge off status. I called several times to have this reversed. 
Since that time, i never received a statement, nor had to pay on the account. 
XXXX XXXX. receive a statement, after my main Mortgage account was sold to XXXX XX/XX/XXXX. 
The statement reflects $ XXXX due XX/XX/XXXX in delinquency -- 5 years later when there was no resolution within that time to set up payments.
Product: Credit card

I took a 10-minute XXXX ride in XXXX XXXX XXXXXXXX on XX/XX/year>. I agreed to pay the merchant {$30.00} for using his service. I tapped my card on his XXXX reader. He took the reader away from me, tapped a few buttons and went on his way. When I got the receipt, I found that he had charged me {$300.00}, plus NY state tax and an exorbitant tip I did not give, for a grand total of {$470.00}. Obviously, I was furious and immediately reported the fraud to Wells Fargo. Wells Fargo closed my old card and got me a new one, and I thought that was that. I assumed the charge would be reversed. ( You have to believe that I wouldn't agree to pay almost {$500.00} for a ten-minute XXXX ride! ) Two weeks later, I found that the fraudulent charge was still in my Wells account, so I called to find out why. Wells claimed that it " wasn't fraud '' because my chip was used and chips can't be counterfeited, so my claim was denied. So I tried to dispute the claim instead, at which Wells informed me that because the charge in my account was the same as the amount on my receipt that they would not be disputing the charge. 

Unfortunately, that still leaves me with the problem of having been fraudulently charged almost {$500.00} for a service I only knowingly agreed to pay {$30.00} for, and I'm astonished that my credit card issuer is refusing to do anything to help me. I have had one past instance of fraud and have seen several across folks in my family, and I have never seen any of us have to argue with Wells or XXXX, or have to " prove '' anything -- charges have always been immediately reversed without question. I'm outraged. I have spent days going in circles with Wells Fargo, XXXX, and XXXX trying to get someone somewhere to refund the amount that was stolen from me, but no one will help. XXXX says I have to file a dispute. XXXX won't give me any information, as they claim it has to go through my card-issuing bank. And Wells has shut me down two or three times now. I spoke in person with a Wells agent who tried to help me ( she was on my side ) and the agent on the other end of the phone told her the same thing. According to Wells Fargo, this was not fraud, and also, it's impossible to dispute. ( Shocking, right? ) I desperately need the money that was taken from me, and I'm incredibly frustrated not to have gotten the protection I thought I was afforded by my associated companies. No one seems to care that the signature on the receipt I was sent wasn't mine and that I can prove with photos I wasn't in the location the receipt claims I was ( further backing up my assertion of fraud ). I'm out of things to try. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with TransUnion regarding several extra XXXX XXXX accounts thats reporting on me credit and I requested Verifiable Proof ( an original Consumer Contract with my Signature on it ) and method of verification and they failed to provide me with these things.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : 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 These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXXXXXX XXXX XXXXXXXX Original Creditor : XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Bankruptcy XXXX  XXXX XXXX Date Filed XX/XX/2015 Docket Identifier XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I had finished a " Making Homes affordable '' program here in Michigan with Specialized Loan Services ( SLS ). They received an allotment of money from the program each month and I furnished a lower version of my normal monthly premium. When the program came to an end, my mortgage went back up to its regular amount. I began making a regular payment and certainly able to do so, now that I am on retirement social security. Without notifying me ahead of time, SLS switched my mortgage back to XXXX XXXX XXXX XXXX XXXX XXXX. I was notified only after the fact, when my payment was en route through the postal service. Within a very short time, ( again without prior notification ) XXXX sold my mortgage back to SLS. Again only after I had sent out another payment. I have been making steady payments with no issues, but two days ago i received a certified letter from SLS saying they are going to foreclose within thirty days, because there is an arrears of XXXX. I am enclosing copies of receipts of my payments and all letters I received.
Product: Debt collection

I have 80 calls from them in less then a week. Sometimes they call 3 or 4 times in a row if you dont answer. Especially during work hours. This is a clear intention to harass me to get their money. I had to block their number because it is a huge interruption at work, they constantly harass me, my phone is always ringing. It has to end. Calling 1 hour apart does not mean i got the money that much faster.
Product: Credit card

On XXXX XXXX i was looking to see what kind of deals i could get to go to XXXX XXXX  for XXXX, I saw a good deal at XXXX so i booked it. The next day i received the itinerary it had a no cancellation in it that was not in the booking, I immediately called the credit card co, Capital One to cancel but they said they hadn. " t received it to call back in a week or two i then called XXXX and told them now w i wanted to cancel they said i couldn '' t the booking again said nothing about no cancellation, I called Capital One Back to cancel. Isent them a copy of the booking that said nothing about no cancelation.it a month or two then they said because i didn '' t send documents i would have to pay, I had booked plenty hotels and never received any documents, I received a booking and itinerary, I had booked a vehicle with XXXX in XX/XX/2023 and on the booking it stated no cancellation that was for two at a cost of {$14000.00}. I would never book a hotel three months in advance with no cancellation and it was {$65000.00}. Any thing could happen and it did.The dates were XX/XX/XXXX thru XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted XXXX  and Equifax to inform them the bankruptcy on my account is inaccurate. XXXX  has deleted the erroneous bankruptcy off my report but XXXX  and Equifax keeps telling me it is verified but fails to provide me the company, organization or persons responsible for verifying the information. I want this bankruptcy removed off my report immediately.
Product: Debt collection

A collection agency by the name of Windham Professional has popped up on my credit report for a student loan debt. I have NEVER heard of this collection agency and they have never even contacted me regarding this alleged debt. 

According to the FDCRA a collection agency is supposed to notify a consumer of an alleged debt and give me an opportunity to dispute the validity of the debt. If this collection agency had complied with the law then they would have known that this debt has been paid to a law firm and was taking monthly from my account. Windham Professional is also reporting an alleged inaccurate amount. I personally contacted the  law firm and was told personally to file this complaint because Windham Professional is illegal trying to collect on a debt that they knowingly does not own and can not verify, and they did not give me proper notification to dispute the validity before placing it on my report. I also have found that this collection agency has numerous complaints for this very same thing. I also will not hesitate to sue this collection agency for defamation and ruining my credit rating.
Product: Mortgage

Already submitted XXXX complaint about harassing phone call from Bank of America. I also complained about them hanging annoying notes on my front door, and even specified no one from BofA is allowed on my private property. Last week sometime ( XXXX XXXX, 2015 ) someone form BofA hung another note on my front door, which means they are tresspassing! The next time I catch anyone on my property, I will physically remove them from my property and call the Police. Like I said the last complaint, Im not behind on any loan, and I DO NOT want any type of refinanance ( or other ) BofA has to offer ... PERIOD!
Product: Debt collection

XXXX XXXX Machols & Johannes LLC was asked to validate the said debt in the amount of {$1000.00} and {$660.00} which they are currently reporting on my credit report. Each time they sent me papers that only is a statement of account that has been later found to have a fraudulent signature on them. The head accountant on XXXX signature was on the account information they sent me when my attorney contacted him he had no knowledge of it. Bankers can no longer robo sign documents as the case pending with the DOJ now against several big banks. They have yet to send me any actual proof with my signature on it tying my to the debt. Under the New UCC Laws and, because of the previous XXXX XXXX Scheme debt collectors must provide original contract of debt. In which this company has not and fail to do so. I've asked them for the past two years and they continue to report this information. My next step is court. They had had over 45 days to comply this information needs to be removed immediately along with the constant hard credit inquiry pulls they have been making on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Equifax Credit Report. The credit report showed inquires that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquires removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of Credit B. Insurance C. Employment D. Court Order The following credit inquires are related to none of the aforementioned permissible so please take these inquires off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently enrolled in the Early Assistance Program for the 3 credit cards I have with Capital One due to losing my job in XX/XX/XXXX. Capital One assured me that I can pay my balances anytime during the month without any issue. They have since reported me to the credit bureaus on two of the three cards stating that I am 30 days late on these cards. I have paid within the 30 days. I was told by more than one person that I can pay what I feel comfortable with. The total minimum payment for these cards is {$90.00}. I was assured that paying {$5.00} for each card is appropriate. My credit score dropped 62 points this month because of this inaccuracy that was reported. I feel that I was given the incorrect information and mislead to believe that my credit score will not be affected. It unfair that my credit score has been hit because nobody from Capital One can provide their customers with correction information. I would call them to rectify this situation but I feel that I am not getting the customer service support that I need.