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

I received a XXXX XXXX alert that this credit inquiry appeared XX/XX/2018. I did not apply for any such credit. Here it is as follows : XXXX XXXX XXXX XXXX DATE Inquiry XXXX XXXX XXXX XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE XXXX XXXX XXXX XXXX XXXX XXXX FL N/A This likley happened as a result of my prior employer, XXXX XXXX XXXX XXXX XXXX XXXX, AZ who admittedly jeopardized my personal information as well as up to 300 other employees including leaking my SS # about 3 years ago. I'd also like to file a complaint on them in addition to XXXX as they paid for XXXX for just the first 2 years after admitting to their breach after the fact, but then cancelled this coverage about 4 months ago about the same time I left their employment. Had they not been careless with my personal data INCLUDING SS #, I would not now have thieves trying to apply for credit in my name. I did nothing wrong and Homeowners leaves me with the problem. This was also done to perhaps hundreds of other employees and I'd appreciate your assistance in forcing them to make this right and incur the annual or monthly fees for XXXX protection in perpetuity. I feel this should be pre-paid for my lifetime now as they could go out of business again leaving me holding the bag. Please contact me at either XXXX or XXXX  so I can help with these investigations however you see fit.

Many thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to correct my credit report since the beginning of this year! Ive reached out to the original creditors as well as all three major credit reporting bureaus. Two of the credit report bureaus states that theyre information was corrected or updated but hasnt provided any proof that theyve received correct information! I still have old accounts that are past seven years on my credit report and some creditors are still reporting after Id provided them with proof of documentation that the accounts are no longer my responsibility or incorrect! Theres been reappearance of accounts listed without informing me! Id also provided them with my correct personal information and I still have wrong addresses listed on my credit report after theyve stated that theyve updated it! Im still unable to receive any approval for credit lines and other credit accounts.
Product: Credit card

I have two credit cards thru Comenity Bank XXXX and XXXX. Both these accounts have been since XXXX ( XXXX ) and XXXX ( XXXX XXXX XXXX. I have been paperless and both accounts are paid and watched thru their online apps since I have had these accounts. They are both in excellent standing and are paid in full each month. 

I have never had a problem with these online accounts until Thursday, XX/XX/XXXX. I was able to check on some return credits to make sure they were applied to my accounts on both of these cards on the XXXX of XXXX but on the XXXX, I could not get any verification code to come thru to verify myself as the rightful owner of these XXXX accounts. On XX/XX/XXXX I tried again and not only could I not get any verification code, it was telling me that their information and my information did not match. I want to reiterate - NO ONE but me has access to these accounts and when these accounts were set up in XXXX and XXXX, they have never been touched or changed except by me getting married and changing my last name. 

When I could not get anywhere online with these XXXX accounts, on the XXXX I contacted Comenity Bank thru the phone number ( XXXX Talbots ) ( XXXX JJill ) which are on the back of the cards. I spoke with XXXX different customer service people who all told me something different, were beyond rude and had no clue how to help me but they could take my money. They told me my email was wrong, to change my password ( can't because I can't get into my account and had a senior supervisor tell me to wait until next week to see if it resolved itself! But they all offered to take a payment- and they would give me the total they saw- with me having no way of knowing if it was true or not. 

I have no access to my account. No matter what I have tried to do, I can not access it, can't verify purchases or credits nor make a payment unless I take the customer service reps word on what it is. Any they have offered no help in restoring it. 

I do not know if these accounts have been hacked, but Comenity Bank has offered no resources or help in any way of solving these XXXX credit card issues. I have even tried to contact Comenity Bank directly, but to no avail. These XXXX accounts have been paperless for quite sometime. 

I need to be able to get to my accounts to verify everything and to pay my bill on time. This lack of care and concern on Comenity Bank and the unprofessional, ignorant customer service people I spoke with have left me to turn to you in help. I need my accounts restored, checked to see if someone else has had access to these accounts and be able to pay my bills on time.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to the Consumer financial Protection Bureau ( CFPB ) regarding Bureau specifically in relation to the recent data breach that has compromised the personal information of countless consumers including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) s 605B ( 15 U.S.C s 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud.Equifax is legally required to complete this action within four business days of receiving this complaint XXXX XXXX XXXX XXXX Account listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report.These entities are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation documentation of my FTC identity Theft complaint XXXX XXXX XXXX which serves as compelling evidence that these accounts, inquiries and collection are the result of identity theft and fraud. The negligence of Equifax in safeguarding consumer data has enabled identity thieves to exploit my personal information.I expect immediate action to rectify the matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information.Failure to comply with the legal with legal obligation will compel me to take further action, including escalation to the CFPB Federal Commission, and legal avenues available to protect my rights as a consumer. Thank you your attention to this urgent matter. Sincerely XXXX XXXX
Product: Debt collection

I received a letter from Credit Management LP on XX/XX/23 stating I owed money to XXXX XXXX XXXX. at XXXX XXXX XXXX in the amounts of {$410.00} and {$470.00}. I believe these charges are erroneous and fraudulent. I wrote back to the Credit Management LP asking them to provide evidence of the charges including the service and date. They wrote a letter back without providing any evidence other than stating XXXX XXXX XXXX. is trying to collect a debt.
Product: Credit reporting or other personal consumer reports

Yes I have reached out several times to get this issue resolved which is really hindering my progress in starting my business there is an account from XXXX XXXX XXXX  amount of {$4100.00} opened XX/XX/year> this account only shows on transunion credit report and they have not been able to provide any documentation showing original contract and signatures I demand that this be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX   XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX   ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is stated that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies, and I am the consumer. According to 15 USC 6801, " It is the policy of XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The XXXX XXXX  qualifies as a financial institution under this title.

15 USC 1681 section 604 ( a ) ( 2 ) states that " Any consumer reporting agency may furnish a consumer report only with the written instructions of the consumer to whom it relates. '' Neither the financial institution XXXX XXXX  nor the consumer reporting agencies Equifax, XXXX, and XXXX have my consent to share this information, as I have not provided any written consent. All prior consent to Equifax, XXXX, and XXXXwhether verbal, non-verbal, written, implied, or otherwiseis revoked. 

15 USC 6802 ( b ) ( c ) specifies that " A financial institution may not disclose nonpublic personal information to a nonaffiliated XXXX  party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was never informed of my right to exercise this nondisclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. '' The adverse item reported by the consumer reporting agencies without my permission is against the law. 

Under 15 USC 1681s-2 ( A ) ( 1 ) ( A ), " 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. '' Furthermore, 15 USC 1681e requires that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes listed under section 1681b. '' Equifax, XXXX, and XXXX are failing to maintain reasonable procedures. 

Finally, under 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time. '' I am hereby opting out of your reporting services regarding the referenced account XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX which was opened in XX/XX/year>. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

I took out an online loan for {$800.00} but I some hardships and was n't able to repay it completely. The payday loan company later sold the debt to another company. The company 's name is " XXXX XXXX XXXX XXXX '', they have been calling me since the first week of XXXX XXXX and my family members with threatening voicemails about me being summoned and that they will sue me. I called the original creditor and they told me that they do n't have knowledge of these type of practices and that the XXXX XXXX XXXX XXXX should not be threatening me which such actions. I am guessing they have collected family relatives information from online sources and that is completely unacceptable and unethical and has brought distress to myself and family.
Product: Debt collection

i was trapped by a recruiter for XXXX they told me i could get free transport to XXXX and get my XXXX XXXX  through school- they did not accept me into the school or pay my travel which came to XXXX plus hotel of XXXX the recruiter promised to call me XX/XX/XXXXXXXX XXXX XXXX months later to get me back into class - and i never got that call or took their class i also spent an additional XXXX getting my XXXX XXXX i never got a written notice they were charging me for school before i got tricked into this/ i never took class they employed collection lockhart morris montgomery agency and i never saw their letter as i moved during pandemic and they injured my credit report when they should owe me over {$1300.00} as i never took their class i flew home taxi to XXXX to XXXX  XXXX XXXX XXXX for physical which i passed and license and online app class to pass the permit and i was lied to repeatedly this action and aggressive recruiting is unconscionable during a financial crisis this stunt made me spend my rent money thinking i would be able to live on their truck for three months as they promised abd caused me financial hardship XXXX was recruiter from XXXXXXXX XXXX - shame on all of them
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( XXXX  XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have sent several letters to them and they have not responded or sent any acknowledgement that an investigation has started.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by 1637 ( b ) Statement required with each billing cycle is mailed or delivered to the consumer not later than 21 days before the payment due date.

The items below should all be updated to paid as agreed on my consumer report.
Product: Checking or savings account

On XX/XX/XXXX i checked my onlline banking with Truist. It was overdrawn {$320.00}. They had charged me for 6 overdraft fees for purchases i had made on XX/XX/XXXX. On XXXX i had balance of {$130.00} on XX/XX/XXXX i made 4 purchases ( XXXX ) {$45.00} ( XXXX ) {$20.00} ( XXXX ) {$27.00} ( XXXX ) {$17.00} this left me a balance of {$22.00} .On XXXX i made 1 purchase of {$22.00} my balance was {$0.00}. I went to XXXX XXXX and overdrew my account {$140.00} expecting a {$36.00} dollar overdraft fee. When i checked my account on XXXX XXXX truist had charged me over draft fees on all the purchases i have just mentioned. Even though the money was there to cover every purchase except the purchase at XXXX. Which i take full responsibilty for and was expecting. Truist wants to tell me it was because the transactions were pending even though the money was taken out when i made the purchases i am being charged for. They tell me Sorry nothing we can do. So i am paying {$180.00} in fees that the money was there to cover. They blamed it on the business that i made purchases from.
Product: Bank account or service

I opened XXXX with American Express Serve card # XXXX and I saw some transactions for {$10.00} every month on my account which I do not remember this Company and to authorize them to charge my account so I called them and Serve Cst Srv Representative open disputes. However, instead of opening XXXX dispute for all charges related to this Company Serve Rep only open XXXX dispute. I called again on XXXX and I asked and different Representative opened about XXXX disputes -I did n't know what he was doing. All charges came from XXXX Company I should have only XXXX claim with disputes. On XXXX my account was closed due to filling fraudulent claims which Serve Representative cause not Me. I never filled that many claims .Serve Employee did not followed correct procedures and did not listened me when I called in XXXX with my not recognized transactions. He did not understand XXXXThese practice are unfair and abusive practices against the Customers. Therefore, I was trying to talk to with Supervisor and I was putted on hold for 1 hr and my next all called has been disconnected. by Cst Srvs ( Please see attached ) I never gave them authorization to file that many dispute claims!!! Today, I was disconnected by XXXX, XXXX, XXXX XXXX. I 'm filling this complain because no one will be accusing me for any frauds!!!!
Product: Credit reporting or other personal consumer reports

I reported an identity theft back in XXXX since then I noticed a charge off on my credit for a vehicle not purchased or authorized by me. I have filed several reports with all three credit bureaus to have this derogatory account removed and to date in XXXX they still have refused to remove this account. I am once again asking that this account be removed from my credit report on all three bureaus it has been investigated as an identity theft I have attached police reports as well as other identity theft reports. I need for this to be removed immediately in the interest of my job. I can not have derogatory marks of any kind on my credit. The name of the Company is : WESTLAKE FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX, CA XXXX I also have several incorrect spelling of my name names that I've never used and addresses that are incorrect that I am also listing below. The addresses and names listed below are incorrect, and should be removed from 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
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Date of Birth:XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX I am writing to formally request the removal of any outdated negative information of the following information that appears on my Early Warning Systems consumer report that is older than seven ( 7 ) years, in accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 5 ). The FCRA mandates that adverse information, except for certain situations like bankruptcy, should not be included in consumer reports if it is more than seven years old from the date of the original delinquency.Other than the outdated accounts, I have NEVER used the following account numbers.

Upon reviewing my consumer report, I noticed that there may be information included that has surpassed the seven-year mark. As of todays date, XX/XX/XXXX, any negative records dated prior to XX/XX/XXXX should no longer be included in my report. 


I kindly ask that you investigate my report and remove any outdated or inaccurate information in compliance with the FCRA. I would appreciate written confirmation of the completion of this process and a copy of my updated consumer report. 


Please note that if this issue is not resolved promptly, I may need to consider further actions to enforce my rights under the FCRA. I trust, however, that Early Warning Services will handle this matter efficiently and according to the law. 


I have attached a copy of my identification and any other relevant documents needed to assist in processing this request. 


Bank : XXXX XXXX ( Open Date : Not disclosed on report ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX to out a line of credit to provide services at a residence. XXXX XXXX XXXX was the contract to recieve funds from Sunlight Financial. Which works with XXXX XXXX XXXX. XXXX XXXX was aproved for up to {$70000.00}. 

On XX/XX/XXXX of XXXX, Sunlight Financial released {$29000.00} to XXXX XXXX XXXX at XXXX. At XXXX : pm on XX/XX/year> XXXX XXXX called and emailed Sunlight FinancialXXXX XXXX XXXX  in regards to the unauthorized payment! It was an unlawful 2nd draw, which result to a {$60000.00} balance. 

Not only did the company release the funds! Sunlight Financial/XXXX XXXX XXXX  is listed on XXXX XXXX credit report with the balance and interest is being charged. They have not solved the issue yet are collecting payments. Right now they have my file with there attoney is all I am getting!