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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax Attn : Consumer Reporting - Relations Dear Sir/Madam, I, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX demand the immediate removal of the following unauthorized inquiries from my credit report : Inquiries to be Removed : 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  ) Additionally, ensure the following accounts are accurately reported and remain open : Accounts to 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 Furthermore XXXX the following account must be removed immediately as it is not mine : Account to Remove : - XXXX XXXX # XXXX ( XX/XX/XXXX ) {$32000.00} Also, update the following account to reflect no late payments : - XXXX XXXX XXXXXXXX On XX/XX/XXXX, my credit score dropped unjustly from XXXX to XXXX. I have submitted multiple disputes and a revised XXXX Theft complaint. Despite my 30 years of diligent credit monitoring and expert legal assistance, I am experiencing discriminatory treatment from Equifax due to my status as a minority XXXX XXXX XXXX This situation violates the Fair Credit Reporting Act ( FCRA ). 

Equifax 's investigation failed to address these issues adequately, dismissing my concerns and siding with creditors. This is unacceptable and violates my rights under the FCRA. Equifax 's bias towards paying creditors over consumers like myself is evident and infringes upon my rights to correct errors on my credit report. Immediate correction of these errors is mandatory. Please also confirm the accuracy of the XXXX accounts listed and leave these accounts open. 

Your prompt and decisive action on these matters is not only expected but required by law. 

Sincerely, XXXX XXXX XXXX XXXX Note : The FCRA 's statement-of-dispute provision does not mandate specific language or forms for consumers to request the addition of a dispute statement. The responsibility lies with the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX The Credit Bureaus stated XXXX XXXX XXXX XXXX, XXXX/ Account XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is ground for removal. They also violated my rights under U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report. 

U.S.C 1681 section 602 A : States I have a right to privacy.

U.S.C 1681i ( 5 ) ( a ) ( i ) ( ii ) Therefore this account was not investigated properly .... This information needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

RE : Dispute of Incorrect Information Due to Identity Theft and National Breach Request for Deletion/Blocking of inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) I just finished re-reviewing my Experian Credit Report and i noticed there is a name reporting on my credit report that is not mine. I've never ever in my life went by the name of XXXX XXXX. I've only went by the name of XXXX XXXX. 
This extra name reporting on my Experian Credit Report is tied to the following accounts listed below : XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX These accounts listed above are not my accounts and my personal information has been compromised from that XXXX XXXX. 

Legal Basis for My Dispute : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c - 2 ), I have the right to request the immediate blocking of information resulting from identity theft. Specifically, FCRA 605B provides that all credit reporting agencies must block any information that a consumer identifies as resulting from Identity Theft within four ( 4 ) business days of receiving appropriate documentation.

I look forward to a speedy resolution.

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX I XXXX Balance : {$1600.00} XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was issued a Rewards Card from my credit card company ( Ent bank ). This card was issued XX/XX/19. The card was defective and was not working at the register when I went to use it. So, I called the C/C company and told them and they deactivated it and said they re-issued another replacement {$100.00} rewards card. I never received it, so I called and they said it had not been sent out. So, I called again to be sure it was on the way and got the run around when I did. I was told repeatedly that no card had been re-issued, and was given another 1-800 number and was told my account did not exist. I called the Credit card company back and was given more run around. These calls happened on XX/XX/XXXX, and XXXX. It took a total of 9 phone calls to get an answer. Each time I call I am told there is no such card, or the Rewards card is not the correct type or no card has been issued, or they are re-issuing a new card and then there was no card re-issued. My rewards card has been with-held from me and I believe I am being discriminated against due to the excessive amount of dismissing and poor treatment I have been given while trying to receive help from these people. This is either a scam program or they are breeching their part of the agreement. I want action taken against them for fraud.
Product: Checking or savings account

on XX/XX/XXXX - there where Charges to my Checking account/Debit Card over 37 transactions- reported immediately to Wells Fargo Bank XXXX Claim was opened. I was told to wait to see if any transactions settled 11 Transactions settled total {$3200.00}. 
all other transactions where not settled and removed from Pending Status. We also went to a Branch office to close all our accounts & opened New ones since account was compromised on the same day XX/XX/XXXX. that same day XX/XX/XXXX our mailing address was changed not our address XXXX in XXXX XXXX we did not request. and made it clear our account was compromised this is another reason why all our accounts were closed. as of today XX/XX/XXXX I still don't have my XXXX  back. on XX/XX/XXXX Claim was closed with no explanation I just noticed online status said CLOSED. Claim was resubmitted again on XX/XX/XXXX. I have called almost everyday trying to get a Status of my Claim. I was told today XX/XX/XXXX Claim was Closed again and my claim has been submitted for reconsideration. 
Wells Fargo has not given me any details on why they can't see that this is Fraud. 
I filed a Police Report this morning - also because we where advise by united states postal service that there was theft in Mail Mailman was robbed and We believe thats where Debit Card was stolen. I have submitted and given all this information to Wells Fargo Bank and still nothing.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Midland Credit Management XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of XXXX and XXXX, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to XXXX XXXX XXXX XXXX ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Midland Credit Management XXXX, continues its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management XXXX, shall be liable for violations of TILA, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC XXXX and XXXX Act. 
Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

This has been an ongoing issue for me with XXXX XXXX I opened this account for credit a building opportunity. During the pandemic, I begin to experience hardships that I knew would potentially affect my credit and account. I called creditor to make an accommodation under the CARES ACT, and I requested for the account to be closed to prevent any damage to my credit profile. I paid the account as agreed. On my credit profile it is now showing late payments. 
I've contacted the credit reporting agencies numerous times for inaccurately reporting late payments on this account.

Per 15 USC 1666B a creditor may NOT treat a payment on a credit card account under an open end consumer plan late for any purpose.

I have paid as a agreed and no late payments should be reflecting on this account.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : BMW FINANCIAL SERVICES, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX : BMW FINANCIAL SERVICES, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX : BMW FINANCIAL SERVICES, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card

I was fraudulently charged {$490.00} ( XXXX XXXX XXXX  ), called chase to dispute the charge. They said they would freeze the card and reverse the charge. They froze the card and sent a new one, but they re-charged the card and didn't cancel the first fraudulent charge ( I'm being charged twice ). I wouldn't even have noticed it if I didn't check my statements. Now, they're asking me to appeal a denial of obviously fraudulent charge.
Product: Checking or savings account

I previously had checking and savings accounts with Bank of America, which I closed mid-2020. On XX/XX/2022, I received an email indicating that a new account had been opened, which I did not immediately notice. On XX/XX/2022, I received a follow-up email with the subject heading " XXXX, just a few more steps to get the most out of your new account, '' which I noticed almost immediately. That same day, I contacted Bank of America through its automated service line, after several attempts ( including one disconnection ), and several transfers, I was transferred to the relevant fraud department, who opened a claim and said the account would be closed. The process took about an hour. 

Who ever created the account used BoA 's " online portal, '' as fraud personnel described it, and had my ssn. However, I checked recent login activity for my account ( using the login and password for the account closed in mid-2020, which I had not used since ), the only recent activity listed was my own login. It seems quite possible, then, that the account was created by a bank employee. But BoA 's fraud department would not share much information. 

I've attached the first/only account statement. You'll notice that the address makes absolutely no sense and is a mix of two addresses I had earlier in life.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I been disputing Naviet account XXXX, and also XXXX, for been charging unauthorized transactions I detect on XX/XX/2018, instead of resolve the matter they still charging and not resolving the issue, .Naviet is been reporting 6 times the same account, I been disputing and dealing with Customer for years with out any response. at this point I need any kind of help, please.
Product: Credit reporting or other personal consumer reports

According to USC 15 1681s-2 : A person s 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. Also, according to USC 15 1681 and USC 15 1681B-1 : I have a right to privacy ans the credit bureaus do not have written permission. 
My XXXX report has been violated by XXXX as well as Kick off LLC.
Product: Credit card or prepaid card

Synchrony Bank Walmart closed my Walmart store card on XX/XX/2018 due to a return ACH payment from my bank. I called Walmart Credit Services and was told that this was my second check returned within a year and it was automatically closed. I was told that I could dispute the decision only if I had documentation from my bank stating that it was the banks error. I have such documentation and I am submitting the letter to them. I thought I had previously sent in this information with my bank activity showing I had the funds to cover the payment but I still received a rejection to open my account back so I requested a more detailed letter from the bank and they sent it to me. The Walmart account should not be closed. It was a bank error and this should be re-opened. Getting through your customer service representatives is such a daunting task. This last four months has been a nightmare and I am in the middle of changing bank accounts because this keeps happening
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX and collections has unlawfully purchased my information from LVNV FUNDING LLC c/o Resurgent Capital Services XXXX I have been in dispute for these accounts.Instead of LVNV FUNDING providing me with validation of debts, they proceeded to sell my information without my consent. LVNV FUNDING informed me they are unable to provide validation because they DO NOT Have the proof I am asking for. This is now a legal matter and I will like XXXX XXXX to cease all contact with me as they do not have my written or verbal consent. They are now threatening to tarnish my reputation via my consumer report and this is considered abusive practices. LVNV FUNDING has now used this sale as a way to coerce payment and they are in violation of the FDCPA. I have not received any notice that LVNV FUNDING LLC was planning to sell my information again. This is misleading, identity theft, and I will be pursuing this with my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is regarding CITI BANK CBNA. They placed an unauthorized inquiry on my XXXX  credit report on XX/XX/XXXX and they have not yet taken it off. I am victim of Identity theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) 06 & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN  USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are reporting XXXX XXXX XXXX ( XXXX ) XXXX XXXX  and Experian is not reporting information on Credit Report. Missing Information. XX/XX/2020
Product: Mortgage

In the past 6 months I have sent my mortgage payment, through my auto checking account on the XXXX of the month. The mortgage co has charged me a late fee on both occasions. The bank, XXXX XXXX shows the payments were sent out on the XXXX of each month but the mortgage co says they were received after the XXXX and charged me a late fee. I can not get my problem resolved and am t5old it is my problem. The bank is sending these payments on time but the mortgage company does nothing to correct the situation. I have no way to find out why these payments a being late with no help from the mortgage co. Also my escrow account is screwed up and they have done nothing to correct it.
Product: Credit card or prepaid card

Please refer to my previous complaint ( XXXX ) I appreciate your help with this situation, I would like to make you aware of some additional information I received this week. This is the email I sent to Fifth Third Banks dispute department this week, see below : I was at the XXXX XXXX branch last night ( XX/XX/2021 ), I sat down and spoke with XXXX XXXX. We called the dispute team and spoke to XXXX together regarding this ongoing case. XXXX confirmed that this was not investigated properly and it was not looked into thoroughly and this case should have been cleared by now. 

When I initially called in stating that I did not activate the card, I was asked if I had the card in my possession. At that time I was unaware that a new card had been issued and I responded that I had the card in my possession. The card that was in my possession was the expired card and I never received the new card in the mail. According to XXXX this may have been the root of the confusion regarding this case because they ignored why I initially called which was to say I did not activate the card. 

XXXX and XXXX both advised that it was more than likely mail interception, I spoke to a detective at the XXXX police department and they are going to update the police report and inform the federal post office police of this possible mail interception as well as investigate the merchant that this charge took place at ( XXXX XXXX XXXX XXXX XXXX ). 

What more was I obligated to do than to state that I never activated a card? At that point Fifth Third Bank failed to do their responsibility and they keep trying to make me pay this fraudulent charge. 

The only charges that were incurred by me on that account was a reoccurring XXXX charge, therefore I had no knowledge that the card was going to expire. I don't understand how they are fighting me on a charge that is fraudulent. 

Im sure I'm not the only one this is happening to with Fifth Third Bank and how they handle fraudulent activity.
Product: Debt collection

This collector uses robots demanding that I call regarding an unknown debt, then, on the few occasions when I have spoken with someone, has become threatening and abusive regarding the alleged debt, refusing to provide the information necessary to properly identify which debt is being referred to, and, on both occasions, disconnecting the call. An internet search reveals hundreds of lawsuits and other complaints regarding this collector 's tactics -- so apparently this is their modus operandi rather than an exception to their standard business practices. 

It is more than telling that the name of this company, Maury Cobb, appears immediately in the drop-down box as a menu item in the " Company Information '' section of this complaint form. The abuse by this company is obviously a well-developed habit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud Accounts and Inquiries on all three credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim, in an identity fraud, attempted credit card acquisition and hard inquiry scheme that occurred twice, on the dates, of XX/XX/XXXX ( XXXX XXXX XXXX and XX/XX/XXXX ( Experian reporting ). XXXX  XXXX XXXX XXXX XXXX was the host bank that conducted these fraudulent credit inquiries which was initiated by an unknown person who stole my personal information credentials possibly from a XXXX address as disclosed to me by XXXX  XXXX XXXX XXXX department. However, my conversations with XXXX  XXXX XXXX XXXX department, on XX/XX/XXXX yielded no results, in removal, of the hard inquiry pending conclusion of their investigation. In fact, the violations of my credit files continued with another fraudulent credit inquiry, on XX/XX/XXXX, at which time I spoke to XXXX, a member of XXXX  XXXX XXXX XXXX department who advised me that a letter will be sent out to me, by XXXX  XXXX XXXX confirming the fraud credit breach which would have allowed me to secure a police complaint report in New York XXXX. There has been no communication from Bank XXXX XXXX since XX/XX/XXXX. The XXXX fraud credit inquiries still remain on my credit report, from XXXX and Transunion.