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

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information Previous Address ( es ) : 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 card or prepaid card

A newspaper is continuing to charge me for a subscription that I have cancelled. I have filed a dispute with the company but I am continuing to be charged. the person I spoke to this morning said there is nothing I can do if they want to keep charging me
Product: Debt collection

Account Name : Capital One Bank USA Account Name : XXXX XXXX XXXX. 
Account Name : XXXX/XXXX All of these accounts are tracked to XXXX geogria and I reside in Ohio this is inaccurate information.
Product: Debt collection

I recently viewed my credit with XXXX XXXX ; XXXX and XXXX on line and I am appalled to see accounts as far back as 2010 reporting on my files that I do not own and did not give my authorization for activation. I currently have an open case with the XXXX XXXX, Florida XXXX which involves a situation of domestic violence and Identity Theft. Please forward the application document and all other documentation validated and used to open this account so that it may be added to this investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. According to TransUnion, XXXX, and XXXX the account type is reporting as open account. To my knowledge, I do not have an open account with your company, which make this account reporting information in valid, delete per violation. 

Next, Transunion reporting the account detail as deposit related, Experian states Unknown, and XXXX reporting is blank., you are reporting different information between credit agencies, which makes this information invalid, delete per violation. 

Finally, according to the credit reporting, you are reporting different account status, high credit limit, and comments, which make this account invalid and in violation, delete per violation. 

This reporting doesnt make sense, because you can not report an open account as an collection charge off with a payment after charge off comment. 

Delete per violation, cause you can not report different information between credit agencies, which makes this account inaccurate and you have no legal right to collect because you do not have no original contract on file with my signature and please do not reply with a copy of an driver license, copies of bank statements or copies of papers from third party carrier, as this do not validate the right to collect and will not hold up in court. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had a late payment reported back in XXXX of XXXX that resulted an A credit limit decrease from my XXXX comenity bank credit card. Im aware that the companies do soft pulls to check the status of a consumers credit report worthiness on a regular basis. However, the late payment that was reported to my credit report earlier this year was a mistake on behalf of the company and has now been removed. I am bringing this issue to the CFPB because comenity bank refuses to restore my credit limit back to where it originally was which was XXXX. I currently have a credit limit of XXXX which has hurt my score dramatically because my utilization went from the 20s to the 90s which is an issue because I am currently in the process of obtaining financing as well as applying for new credit cards and I can not move forward with financing until my credit limit is under 30 percent. Comenity bank has no sympathy for a loyal comenity bank customer who makes their credit card bill payment every month. This issue has had a tremendous affect on me because I am trying to recover from the pandemic by obtaining financing for my business. I sent them a written statement specifying these issues and comenity bank did absolutely nothing to fix the issue.
Product: Debt collection

Initially I complained of ATG Credit placing a collection on my reports before the allowed 30 days were up, in which I requested a debt validation letter which was mailed to them on XX/XX/XXXX. ATG responded that they didnt receive the debt validation request but that they would get me a copy of the validated debt. This was on XX/XX/XXXX. It is now XX/XX/XXXX and I still dont have any mail from them showing how the debt is in fact valid. Yet, they are back to reporting to the credit bureaus. How am I supposed to be comfortable paying a debt, in which I have NO proof that the debt is actually mine? ATG Credit refuses to mail proof yet they keep causing a ding to my credit score by improperly reporting. This isnt fair and I need to see PROOF of the debt, in which they said they would send. Still nothing, yet my credit scores are suffering due to this.
Product: Credit card

On XX/XX/XXXX, I received my TJX/Synchrony Bank Statement in the mail and immediately wrote a check and mailed it to the address on the statement. They are claiming that since they received on the XXXX that i was to pay late fees of {$27.00}, and as a result of being late I also had to pay 34.5 % interest amounting to {$62.00} on the outstanding balance for those three days between the XXXX due date and the XX/XX/XXXX date they claim to have received the payment of. They state that they are not responsible for any mail delivery issues and that I am expected to pay the penalty and interest because I didn't make the payment in advance of the XXXX due date. How can I pay it any faster than the day I receive their statement? 

Today I received my XXXX statement of {$1300.00}, and knowing they want it paid by XXXX, I had to call in and do a draft from my checking account in order to be certain the payment arrives in time or I will face additional late fees and interest. 

On a side note, what is the CFPB have to say about the fact that their statements are arriving late arriving to me which causes the time window to receive a timely payment made to them arrive later and now they impose late fees and interest? due to the post office deliveries being late, and I am supposed to adapt my schedule and method of payments? This seems like an unfair situation for a consumer as we do everything correct, and end up paying almost an additional {$100.00} on a 1 month bill. 

Furthermore, they are trying to force us into doing on line banking and having experience where my identity was stolen and it took months to straighten out, do not do any financial transactions over email.
Product: Credit reporting or other personal consumer reports

I noticed several mistakes. The three credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the following accounts listed on 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
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXX XXXX Account Number : XXXX {$4000.00} XX/XX/year> TransUnion : XXXX XXXX Account Number : XXXX {$4000.00} XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently checked my credit report and I see on my report that looks as though someone got a hold of my social or information and applied for things in my name that I did not authorize can you all please take care of this issue due to the law. I have excellent credit and worked very hard from my report to get where it is to have someone come mess it all up can we get this cleared soon as possible!!
Product: Mortgage

Hi My loan was serviced by XXXX XXXX XXXX and recently transferred to Flagstar in XX/XX/2021, I tried to remove the escrow account with XXXX before the transfer and now have to deal with Flagstar. 
I tried to apply to remove Escrow account for taxes and insurance and submitted the paperwork with Flagstar in end of XXXX and submitted all require documents and sent and received by the bank by XX/XX/XXXX. I called later in XX/XX/XXXX to inquire about status, Customer Service noted a ticket will be opened and issue will be resolved. I have not been contacted or notified about removing escrow account. I am not sure what is taking so long. No response and contact is very frustrating as home insurance is due and not sure if I need to pay or will the bank pay via escrow. I would like a status and when my escrow removal applications will be processed.
Product: Credit reporting or other personal consumer reports

CFPB, I noticed on my consumer report there's 9 addresses that are listed on my report that I never lived at. I tried to take care of this matter with Equifax on nommorous occasions and I'm not happy about this.
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING to section ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my credit report. Delete hard inquiries 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 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
Product: Bank account or service

CapitalOne 360 Bank put a hold on my checking account. I received threatening email that my account would be closed if I do n't call. i had to call security department to get hold lifted, but security dept did not answer my phone call, despite repeated attempts and call transfers from supervisors. Security then called me from number that did not specify the bank 's name, and the operator had heavy XXXX accent, and would not forward me to supervisor despite repeated requests. I am on phone with the bank for over 3 hours and still no resolution. MY CHECKING ACCOUNT IS ON HOLD, and I can not get access to my money. This is taking advantage of me as XXXX. I have been actively trying to get someone to help me, but all my calls get transferred back to the phone que and no one answers.
Product: Credit reporting or other personal consumer reports

This is the second time that I had to file a complaint on these companies. I have talked with XXXX XXXX and XXXX & was told to put in ANOTHER complaint with CFPB I also filed with FTC about removing these inquiries because it's tarnishing my credibility. I have Hard Inquiries on my credit report that I didn't make. Someone made multiple calls with my information and tried to open several accounts. I contacted ( FTC ) and was redirected to file a complaint through ( CFPB ) on these accounts below listed. I desperately need these removed ASAP it's hurting my credit worthiness terribly. I have tried contacting the creditors explaining the situation with still no resolution resolved.
Product: Debt collection

wow! this one crazy so I called a Lvnv funding llc and they told be I had " leased a dog '' XXXX!???? I told them no I did not they refused to delete and keep say this is my account even through the information does not match help!!
Product: Money transfer, virtual currency, or money service

On several occasion I have been locked out of my cash app account, and having issues for days getting back into my account, one of the issues were money being sent without my permission, and cash app allowing fraudulent transaction for such as hotels, stores, etc cash app did refuse to refund me after providing sufficient information and evidence that I did not authorize nor did I know about any of these charges but refused to refund me on several occasions, cash app have also charge me an negative balance after purchases when I had the full amount to cover all transaction and cash app money uploads can prove this! Cash app has also had outages, system issues where funds would disappear after being locked out of my acocunt with no trace or where it went and cash app would disregard my issues and refuse to comply with giving me explanation
Product: Credit reporting or other personal consumer reports

I am requesting to have these unknown debts and unknown inquiries removed from my credit report immediately due to it affecting my credit negatively. I have included accounts and inquiries in question. I have also attached a copy of my credit report as well. My XXXX  loans are reporting late which is incorrect. 

Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$14.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3100.00} Balance updated XX/XX/XXXX Original balance {$23000.00} Highest balance Terms 73 Months On record until XXXX XXXX Account name XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX XXXX opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance updated XX/XX/XXXX Recent payment {$670.00} as of XX/XX/XXXX Original balance {$11000.00} Terms 42 Months On record until XX/XX/XXXX XXXX  Loan reporting incorrectly with a 90 day late notice Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1700.00} Balance updated XX/XX/XXXX Original balance {$1700.00} Terms 1 Months On record until XX/XX/XXXX INQUIRIES : XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX By mail only XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Debt collection

This is regarding calls from Kia Motor Finance. 
On XX/XX/2020, they called me at XXXX. During this call, I told them while I don't agree with the debt they are imposing to my account I am willing to take their calls however not when I am working and I asked them to call me between XXXX and XXXX hours on weekdays. Which they told me they will comply. 
However, I received a phone call from Kia Motor Finance from the same number on XX/XX/2020 with the attempt of debt collection.
Product: Credit card or prepaid card

on XX/XX/XXXX We were attempting to book emergency flights under duress to attend a funeral for a family member. Due to the costs of las minute flights, we went from our normal XXXX flights to look for XXXX flights. We unwittingly clicked a link for XXXX and ended up booking flights we absolutely did not want and did not meet the search criteria submitted to their booking service. Within seconds of completing the checkout, we saw the flights were wrong and took immediate action to stop the process. 

We contacted American express to stop the payment. They told us there was nothing they could do until the purchase posted to our account. At the same time we tried to contact XXXX in the most direct way possible, but the only have a webform to fill out no phone # and no email address. We filed the web form and received an email stating a consultant would contact us as soon as possible. The email address was a no reply email. We filed the web form a couple more times and were able to file a cancel booking form after XXXX actually booked the flights, several hours after initial contact and booking. ( They had several hours to communicate with us before they booked the flights ) We contacted American express after the transaction posted to our account. They told us to work it out with XXXX. To this date XX/XX/XXXX XXXX has not contacted us in any form. 

We attempted to cancel the bookings ourselves as all major airlines have a XXXX hour cancellation notice. We were told the booking agent alone could cancel the flights. The booking agent does not respond to any contact. 

We never used the flights. 

We have been disputing this with American express for 3 months. Have submitted all details to them. Their investigation team reached out to us, but did not return our call. They continually gave us false hope that the would find in our favor if we just kept reopening the complaint. 

XXXX is based in XXXX. Stopping this transaction should have been easy for American express to do. XXXX has multiple complaints against them. They do not appear to be a legitimate business. American express should have protected us from this situation.
Product: Credit card or prepaid card

I am a victim of identity theft. My American Express credit card account : XXXX has been compromised. My card is lost/stolen. There is only one authorized and valid charge on my account that belong to me, and that 's from XXXX XXXX, 2017, XXXX XXXX XXXX at XXXX, MN for {$1000.00}, the rest of the transactions are all fraudulent, unauthorized and do n't belong to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The listed account below has violated my federally protected consumer rights that prohibit creditors and credit reporting agencies from imposing late fees on accounts affected by XXXX XXXX under section 15 U.S.C. 168. XXXX XXXX # XXXX, XXXX XXXX XXXX has violated my rights. Section 605B and Section 609 ( e ) state that any resulting late fees should be promptly removed if fraudulent activity occurs on your account due to identity theft. I have the right to dispute inaccurate information on their credit reports, including late fees resulting from unauthorized transactions. ( 5 ) Section States : no consumer report containing reporting agency makes 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. 
Instead of assisting me when my XXXX XXXX XXXX along with my wallet and credit cards, XXXX charged my late fees which have been difficult to pay, and reported them to the credit bureaus which has significantly affected my credit history. My XXXX XXXX  case was insufficiently handled, and the errors persisted on my credit report. The FCRA ensures that consumers have the right to accurate credit reporting and timely resolution of XXXX XXXX-related issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again Experian does not offer the capability of getting rid of wrong personal info. Error message comes up. They have screwed up my stellar credit rating royally. I can not get a positive answer for any credit card I never lived at an address listed. I have been divorced without the acknowledgment of this organization. How is this agency able to wield such authority without being overseen regularly. 
Just disgraceful.
Product: Credit card

XX/XX/XXXX and XX/XX/XXXX unauthorized purchases were made and immediately reported. Synchrony claimed that XXXX told them I DID make those purchases. Hence, I called XXXX and they denied this. So much in fact, that I had XXXX on speaker on my phone and synchrony on speaker on husbands phone. XXXX, with synchrony loss prevention was to verify this and she didnt because synchrony added the charges to the following months statement. Every month I deal with this. Hours on the phone! XXXX insists they are NOT telling synchrony I made the purchases. Ive repeatedly requested to see the proof and synchrony withholds ( or is lying and doesnt have anything ).
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, my student loan was forgiven per XXXX and StudentAid.gov. 

Yet, XXXX still reports this account as open, in fact, on XX/XX/XXXX, XXXX reported to credit reporting agency Equifax that the account is still open. 

This is not correct information and reporting the account as open when it is not, is harming my credit score.