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

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, The Experian reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card account opened at XXXX XXXX card on XX/XX/XXXX, and under account number XXXX, XXXX XXXX card account number XXXX, XXXX XXXX XXXX XXXX account XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX personal loan account number XXXX opened XX/XX/XXXX. These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my FICO consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft and fraud.
Product: Credit card

In XX/XX/2023 a representative from XXXX, a security company, came to my house to sell security services. They installed a few XXXX dollars of equipment. They then ran my credit with Fortiva Retail Credit Card to see what my credit limit was. It was {$4000.00}. XXXX claimed that the equipment and installation were free, which was a falsehood because they were actually " selling '' it to me for {$4000.00}. I called FORTIVA to complain and was told that the account could not be closed even though I had offered the equipment back to XXXX and closed my account. FORTIVA told me that could not be done, and that FORTIVA and XXXX were two separate companies. When I called XXXX and sought to close my account and return the equipment, I was told that the equipment already belonged to me ( I guess because it was paid for by FORTIVA ), and that my account could not be closed until I finished paying the {$4000.00} I was supposed to pay FORTIVA. This is collusion between the two companies to defraud me by charging me an unconscionable amount for a few XXXX dollars of equipment and forcing me to continue paying for monthly security services until I have paid off equipment that XXXX claims I already own. XXXX is forcing me to pay for security services that I do not want. FORTIVA is charging me {$4000.00} for a few XXXX dollars of equipment. I would like to know the actual cost of the equipment that XXXX installed in my home and FORTIVA bill should be lowered to that amount. I should be allowed to cease paying XXXX for security services. 
XXXX 's contact address is XXXX XXXX XXXX XXXX, XXXX, UT XXXX. 
FORTIVA refused to give me a physical address but told me to reach them at XXXX. He did say they were located in XXXX, GA but the mailing address I have for them is a payment address in TX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( Original Creditor : XXXX XXXX  ) Payment Status : Collection/Chargeoff/last reported : XX/XX/XXXX Date Opened : XXXX Account Status : Derogatory Amount : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXXXXXX  XXXX ) Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Charged off account Auto
Product: Debt collection

XXXX XXXX for account XXXX was paid in full now has XXXX balance Im disputing on my credit remove to have remove and someone keep saying its accurate when its not.. the account was paid in full XXXX and the balance is XXXX I have proof of this transaction bank statement, and statement and transaction receipt from online information services
Product: Mortgage

I applied for a HAMP Loan Modification during XX/XX/XXXX and submitted tons of documents in the last 2 1/2 years or so. Whatever documents they have been asking me ( some of them again and again ), I have been submitting promptly. The only document they needed as of XX/XX/XXXX was my Job letter, which I promptly submitted through my 3rd party. I am attaching a copy of their letter dated XX/XX/XXXX as well as my 3rd party letter dated XX/XX/XXXX, submitting my Job Letter. In fact I have submitted my Job Letter several times in the past too. 
As such I do not understand as to how they are saying that they do not have RMA or any of my Modification docs. by XX/XX/XXXX and hence they are giving me an in-house Loan Modification with a higher payment of {$1100.00}, as against my original payment, which is lesser.
Product: Money transfer, virtual currency, or money service

I earned this wallet deposited money in and never seen the funds i
Product: Consumer Loan

I purchased a XXXX in XX/XX/XXXX at a monthly payment of {$500.00} due on the XXXX of each month. Due to a lay-off, I fell late with XXXX payment, but immediately brought the note current when I found another job about XXXX weeks later. As a result of being off for that length of time, I could no longer make the payments exactly on the due date, but make them every single month in full. The creditor MEI Finance/MEI Auto/Midpoint Auto ( XXXX XXXX XXXX XXXX, XXXX TX XXXX ) has decided to consistently call me no less than XXXX - XXXX per day. They call my job, they call my relatives telling them they will repo my car if I do n't call them by a certain date and time, this is after I have requested they stop calling both my job, family, and friends, and to stop calling me more than once per day. 
Again, I make my payment in full every month, never going past XXXX days late, but because I can not pay exactly on the XXXX, and they have no " grace periods '' according to them, they begin with the daily/hourly incessant and constant phone harassment and threats, and I would like it to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax wont allow anyone to run my report Special Messages Indicator : Information From Inquiry Identified As Potentially Fraudulent or Misused - Report Unavailable
Product: Debt collection

Hi, I have been being contacted by Bank of America for years now, unknowingly they have been pursuing debt that I have paid in XX/XX/2020. I have a receipt that says this debt has been paid in FULL and they refuse to honor the receipt and evidence that I do not own this debt. They have been continuously reselling my debt and new debt collectors keep harassing me for something that I have PAID. It have tried to dispute it several times on my credit report, but they keep saying I am wrong. Why would ANYONE bother to pay debt if they will take your money but not update the account? Please see the attached receipt. This is long overdue and has been stressing me out continuously, as no one will listen.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I settled with the law firm XXXX XXXX  assigned to my case. The account is still reporting inaccurately on Equifax and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX isnt reporting XXXX XXXX isnt reporting XXXX  isnt reporting my XXXX  XXXX XXXX card isnt reporting my discover  car isnt report XXXX shows i only have oone trade line and when my credit gets pulled it say stuff that isnt me and shouldnt be reporting
Product: Credit card

I was sent a notice from XXXX XXXX that I had applied for credit at XXXX XXXX. I'm worried someone has my information to be able to apply.
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 COMMISSION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report in XXXX XXXX, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF ED/XXXX XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$30000.00} DEPT OF ED/XXXX XXXX Balance : - DEPT OF ED/XXXX  XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : -
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off on XX/XX/2022. Here is my tracking number XXXX. To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to the 15 USC 6802. No financial institution is not suppose to share my information to third to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX  XXXX  XXXX  XXXX  XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Transunion sent a message receipt stating that they received my notice of XXXX XXXX XXXX which requires a block within 4 days! Although when I reached out to transunion by phone they stated they havent received my documents! This is misinformation, mis informing, and misleading by sending a l message stating they received my documents and are working on it but havent! Due to the extent of this matter my information should have been updated within 4 days and if there was any additional information needed, I should have been notified within 5 days of them receiving my notice! Im demanding performance of this company in which they keep their obligation and follow regulations set out for them to follow dealing with XXXX XXXX XXXX. Being a victim of XXXX XXXX XXXX is a serious crime and the credit reporting agency are making me assessable to more harm and endangerment!
Product: Student loan

I have received messages on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each time stating that my repayment schedule has changed. Changing my schedule multiple times per week and XXXX times in 13 days is beyond ridiculous. I feel that no one knows what is going on and have a hard time trusting any information that I receive. I have no clue how much to pay or not as I keep getting past due notices without receiving prior notices that any amount is due, and have also been told that my loans are in forbearance without any amount due.
Product: Checking or savings account

This is regarding my Citibank checking account ending in XXXX. 

I opened a checking account with Citibank due to a promotion they were running where you would receive {$150.00} for funding the account with {$5000.00} for 90 days. I signed up for the account using the promotional link from their website and funded the account on XX/XX/XXXX, with at least {$5000.00}. Since I liked the app I also opened a savings account and credit card. 

As I continued to not receive the promotion despite meeting the conditions I contacted customer service several times in XXXX and XXXX where I was assured I qualified for and would receive the promotion. I finally took a screenshot of one of the conversations via chat on XX/XX/XXXX, where the representative confirmed I qualified for the promotion and said I would receive the promotion by the end of XXXX ( see attachment, although I am sure you can pull it up from my message history as that is where I found it ). My belief from future conversations was that at this time the employee coded my account with the wrong promotion code which caused the future issues. 

Meanwhile, on XXXX, XXXX, XXXX, as I did not realize I needed to maintain a minimum of {$5000.00} in the account to prevent a {$15.00} service fee, I withdrew the payment for my XXXX XXXX XXXX from the account, dropping the balance under {$5000.00}. In XXXX I received the monthly service fee, which was refunded due to my reaching out and once I learned of the balance requirement I brought the balance back up to at least {$5000.00}. I have since been charged the fee every month since and have had to make multiple contacts to customer service. The most recent fee for XXXX they claim they are unable to refund even though my balance has been over {$5000.00} since XX/XX/XXXX. 

As I still had yet to receive the promotion I continued to reach out to Citibank via phone and email and eventually reached out to them via XXXX. 

On XX/XX/XXXX, I was contacted by their Social Media team who was extremely discourteous and unhelpful and took every opportunity to be condescending and couldn't even find the correct promotion. 

They told me about the the terms of another Non-targeted offer, which started XX/XX/XXXX, the Promotion code was XXXX, showing they did not even know what they were researching since I opened the account in XXXX of XXXX. I eventually had to end the conversation because they were so unhelpful. 

I find this very disappointing and more than anything want other consumers to beware dealing with Citibank because they are actively trying to not abide by their own promotional offers. 

I would also like the {$150.00} promotional credit and the $ XXXX  Monthly service fee refunded to me for a total of {$160.00}. 

Thank you, XXXX XXXX
Product: Credit card

I did not authorize charges in the account. I reported as fraudulent charges to Citibank. 
card # XXXX card # XXXX Restore my credit rating. 

of note : I had my wallet stolen at work with my cash, Driver 's license, SS card, several credit cards, photo ID and other personal information.
Product: Credit reporting or other personal consumer reports

XXXX is being unreasonable. I was issued a new XXXX XXXX credit card through XXXX XXXX. I signed up and entered my banking information believing I was enrolled in the auto pay program like I do on most accounts. I never received a statement from XXXX so was unaware that they had not enabled auto pay and therefore my account was tagged as late/delinquent. 

XXXX web site is confusing and misleading. Instead of calling the service auto pay like every other company, their program is called XXXX XXXX. What is XXXX XXXX - I mean no one else in the US calls it XXXX XXXX. Well it turns out they did not activate XXXX XXXX for my account and so they have reported my account to the credit bureaus. As soon as I realized what was going on I paid the account in full immediately. 

XXXX eventually refunded the late fees and interest but they will not take down the harmful information from the credit bureaus.
Product: Credit reporting or other personal consumer reports

Experian has stolen 17 months of on time never late payments to XXXX and they are saying that XXXX needs more time, WHY
Product: Debt collection

On XX/XX/2023 I received a missed call from Source Rec Mgmt. I returned the call which was answered by a representative that was very rude and dismissive. He asked my name and read an address to me and asked if that was familiar. He then went on to tell me this was in regard to XXXX XXXX XXXX  XXXX I attempted to explain that it was a dispute as I returned the phones and didn't receive credit for them. After asking how much I thought the phones were worth he said if he could get his XXXX to approve {$400.00} would I pay today. I said no as that doesn't clear the fact that the phones were returned. He became very indignant and condescending and tried to tell me there was no difference. He then said he doesn't have time for this and hung up. Throughout this call there were several violations of the Fair Debt Collection Practices Act as well as other regulation. He never recited the required rights outlined in the FDCPA as the XXXX. He never stated that the call is being recorded. He never accepted and stated he would investigate my dispute as required by the FDCPA. And I would like this agency to dismiss my alleged debt, remove it from my credit report ( or appropriately update it to a dispute ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( XX/XX/XXXXXX/XX/XXXX, Experian, XX/XX/XXXX ).  They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

Northern Arizona creditors service inc. received a medical bill to collect on me a few years ago. I set up a payment plan and never missed my payments, I even paid extra sometimes. I paid off the debt on XX/XX/2020 with XXXX XXXX at Northern Arizona creditors service , inc . In XXXX they reported I still owed a balance of XXXX dollars and I had to dispute it. They then reported the balance was paid for a less amount but paid in full. I have a letter I received from them saying it was paid in full and uploaded it after the dispute came back resolved but it was reflecting incorrectly. XXXX told me it was paid in full and when they report to the credit Bureaus that is how they will report, paid in full, nothing more. They not only reported improperly but also notated the account the same improper way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is being reported on my credit report my this account was opened by another person not me I was compromised by the XXXX  breach and I believe this was opened at that time this was not opened by me.
Product: Debt or credit management

I believe Aqua Finance , Inc. used misleading tactics to convince my wife to enter into an agreement for a water filtration system in XXXX. A door-to-door salesman gave us a lengthy demonstration that would supposedly improve our home 's water quality. He outlined several perks in addition to the product, such as custom shampoos, laundry detergent, and bar soaps. What was not made clear was how high the interest rates would be, as well as how long the balance would take to pay off. We made monthly payments from XX/XX/XXXX through XX/XX/XXXX, amounting to {$4400.00}. We have paid an additional {$1600.00} from XX/XX/XXXX to XX/XX/XXXX. We are still being told we owe a balance of {$6400.00}. 

I spoke with a representative at Aqua Finance, who told me the original amount owed upon agreement was {$8900.00}, but our remaining balance is still high, mainly due to alarmingly high interest rates. 

The original copy of the agreement we signed in XXXX is not accessible online without an access code. When I called for a copy, I was told that the code expired and that I would need to be sent an email of the agreement. She confirmed the email address and told me it could take up to XXXX business days to receive it. I never received the document. 

In XX/XX/XXXX, the FTC published an article about a {$43.00} XXXX settlement that resulted in {$20.00} XXXX in refunds and {$23.00} XXXX in debt forgiveness for consumers " harmed by its dealers ' deceptive sales tactics. '' I believe we should've been included in this settlement. Aqua Finance has a message on their website stating, " All impacted customers will be mailed a letter from Aqua Finance with the details of the settlement by [ DATE ]. Impacted customers will also be sent an email if they have an email on record with us. If youre unsure or have additional questions, you can contact us at XXXX. '' We never received such a letter, so I called the number and was told we were not part of those customers impacted. Based on our situation, I believe this to be false. 

Aqua Finance 's payment system, Pay Near Me, does not list our full history of payments ; instead, it only goes to XX/XX/XXXX. XXXX, XXXX, and XX/XX/XXXX all show higher-than-expected payments processed of {$210.00}, {$320.00}, and {$440.00} -- when the regular monthly payment was set at {$100.00}. We were not aware of these higher payments. 

My credit score has been impacted by the length of time this balance has taken to pay out, which includes a lapse in payments I was not aware of. 

Aqua Finance has already been exposed for shady practices, and they continue to try taking advantage of a misleading agreement.