23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX XXXX  and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX consumer, XXXX XXXX and original creditor of an open-end credit plan was denied my right of credit by XXXX XXXX XXXX XXXX XXXX as XXXX XXXX XXXX 
On XX/XX/XXXX the company responded with a letter dated XX/XX/2021. I have applied for a card after the 30 day wait requested in the letter attached. XXXX has wilfully neglected me of my right to the open credit line associated with XXXX. 

Adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( XXXX ) ( A ) ( iii ) are up to {$5000.00}. LexisNexis Risk Solutions XXXX XXXX  doing business as LexisNexis XXXX XXXX are now civilly liable to pay me for the damages. 

I was notified of this transgression of my rights specifically 15 USC 1601- the Truth in Lending Act by XXXX XXXX XXXX doing business as XXXX XXXX on XX/XX/2021 via EMAIL. According to 15 USC 1602 definitions of the Truth in Lending Act, I, as a natural sentient possessing an open-end credit plan was harmed by LexisNexis Risk Solutions XXXX XXXX doing business as LexisNexis & XXXX adverse action was taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to {$5000.00}. LexisNexis Risk Solutions Bureau XXXX doing business as LexisNexis XXXX XXXX is now civilly liable to pay me for the damages.
Product: Debt collection

I am filing this complaint to dispute several fraudulent accounts and collections appearing on my credit reports with XXXX, XXXX, and XXXX. The accounts in question include a XXXX XXXX  account ( {$790.00}, reported XXXX XXXX, XXXX ), a XXXX XXXX XXXXXXXX account XXXX {$0.00}, reported XXXX. XXXX, XXXX ), and a Portfolio Recovery collection ( {$870.00}, reported XXXX XXXX, XXXX ). These accounts were not opened or authorized by me, and I believe I am a victim of identity theft. I have already submitted dispute letters to the credit bureaus requesting an investigation and removal of these items. I am seeking the CFPBs assistance to ensure these fraudulent accounts are removed from my credit reports promptly, as they are negatively impacting my credit score and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a couple things going on. 

I went to a car XXXX dealership and was already approved by my bank and had the cashier check to pay for my car. XXXX said that can give me a better rate with XXXX if I finance with them. I was informed that they would only pull my credit once with XXXX and I was approved for a loan through XXXX but I realized that I had a lot more inquires on my report that I did not authorize or didn't know about. I called my sales rep and asked about the inquires and I was advised that they were looking the best rate even without my permission and they would consolidate into one inquire. I has been over a year and they are still there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Called several months ago about the chain of custody of my loan documents and proof that I am paying the organization with legal right to my debt. I was told they would send me documentation proving that they owned the debt but I have not received this documentation.
Product: Prepaid card

I have been trying to use this prepaid card for {$50.00} I purchased at XXXX today and it has not been able to work anywhere online.
Product: Debt collection

I just had a collection account show up on my credit report that i have no idea where it's from but i think it's part of my identity theft case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home. I pulled my credit report only to find over 15 credit inquiries on my report, one collection account and a lien. I have been a victim of Identity theft and I have reached out to the credit departments of all these inquiries. I alerted them that these are fraudulent. All of the inquiries was done online. They are unauthorized and this is causing a major dent in my credit score and these inquires need to be removed asap. I disputed with the credit bureaus and all I get is the same old pre-printed letter stating the are factual but there is no fact or truth nor verbal or signature stating I authorized these inquires. Its clear someone went on a rampage just applying for credit and or cars. The inquiries are : XXXX XXXX-XX/XX/XXXX XXXX XXXX ( 2x ) - XX/XX/XXXX and XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXXXXXX ( 2x ) - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX -XX/XX/XXXX XXXX ( 4x ) - XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXXand XX/XX/XXXX XXXX- XX/XX/XXXXXXXX ( 2x ) - XX/XX/XXXX and XX/XX/XXXX Also XXXX XXXX is a collection account that is not mine which has not been verified or validated and a lien XXXX.
Product: Debt collection

Violation of Consumer Rights under 15 U.S. Code 1681c-2 I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the reporting of an account on my credit report that has been formally reported as an incident of identity theft. As a consumer, I believe that my rights, as outlined in 15 U.S. Code 1681c-2, are being violated, and I am seeking your prompt assistance in resolving this matter. 
Details of the affected accounts : I will attach letters below I have previously submitted a detailed report of identity theft, along with supporting documentation. Despite this, I have observed that the information related to the fraudulent account is still being reported on my credit file. 
Section 1681c-2 of the Fair Credit Reporting Act explicitly outlines the rights of consumers in cases of identity theft, emphasizing the obligation of credit reporting agencies to block the reporting of information resulting from identity theft. It is my understanding that credit reporting agencies are required to promptly block the reporting of inaccurate information resulting from identity theft. 
I am deeply concerned that the continued reporting of this
Product: Credit reporting or other personal consumer reports

I was added as a authorized user on a XX/XX/XXXXXXXX account
Product: Credit reporting

Equifax is listing an account from XXXX XXXX and a Civil judgment. Niether is the account from XXXX XXXX is mine nor the civil judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 at XXXX am I called XXXX and I talked to them for 44 mins. A Supervisor XXXX XXXX was very rude and unprofessional he told me very false and misleading information. He said no company have to follow 15 USC 6801 and 15 USC 1681 and I dont get to choose how I want my information shared and I do not have a right to privacy I have no control over that. The phone call was recorded and monitored as well from both parties. 


See attachments for letters requesting for removal!
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to extend myself a credit card through Capital One followed by XXXX XXXX. They both denied me due to incorrect information supplied to them unlawfully from the Credit Bureaus ( XXXX, XXXX, XXXX, XXXX XXXX ). During times like these i should be able to use my own credit to take care of personal essential needs for survival. I contacted the bureaus weeks ago and got no response at all for help in fixing these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cbna ( XXXX XXXX ) pulled hard inquiry on XX/XX/XXXX and XX/XX/XXXX  on my credit report .I received a rejection letter I immediately called them and stated I had not applied for credit card with their company .They told me it would be deleted but XXXX is still showing their hard inquiry. XXXX  no doesn't show these inquiries.Do n't know the extinct that these hard inquiries hurt my credit score but am sure it's not helping them.
Product: Debt collection

Please see XXXX page attachment for this information but this is a 3 years piece of alleged fraud and theft to and against me on a removal of my electric meter and then a rewire to my landlords son 's meter causing a possible 80 % increase to my costs
Product: Debt collection

I do not owe XXXX XXXX {$300.00} or any other. This account has been closed charged off.
Product: Mortgage

On XX/XX/22 I file a complaint ID XXXX and is closed, with a company response, " PHH '' will take care of the existing issues, however, until this date, XX/XX/22 they do not take care of the issues, just to named, Line the Credit and Property Taxes. PHH transferred the Loan to HUD, without providing me with any transfer disclosure. I call ( PHH ) XXXX XXXX and I was not able to get an explanation, they just give me a HUD telephone to call. Please I am a sXXXX XXXX XXXX  XXXX I need assistance I appreciate your response. 
Respectfully,
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Identified information on my reports as a result of identity theft.Items are not the results of any consumer transactions made by me. Here are some of the companies attempting to collect monies unlawfully : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the named ( soe ) COMPANIES are a pairing the efficiency of the banking company.The continued reporting informtion is improper utilization of my information.
Product: Payday loan, title loan, or personal loan

Harassment. Threatening to go to my job, calling over and over in short periods if time. Will not contact me by mail.
Product: Credit card

Hello In XX/XX/XXXX I lost my XXXX ins, I called key bank and explain, I fell behind by a month in a half. However I have paid since every month XXXX. I have asked if they could remove the late fees XXXX I was told by key bank to pay XXXX and then XXXX every month after. However every month they charged late fees and continue to make the min balance unaffordable for me to pay, when I called they said the agent made a mistake telling me that then called and was told to filled out a loss mitigation form, the first one they sent was for a mortgage. I called back then they sent a letter and asked me for documents from bank statements to my help with social services tax returns, etc I was told I had to XX/XX/XXXX. I faxed every thing on XX/XX/XXXX. I then called Key credit card and was told they received everything except my rent receipt. I mention to them I do not rent and I sent my mortgage statement from XXXX. The rep said she will email them and let them know I was not missing anything. On XX/XX/XXXX I received a letter from Key stating that because they did not receive required documents so they will not consider my request, I then called and spoke to XXXX, i was upset and informed him that I did n't understand why they said they did not all documents when I have a confirm fax which was faxed from Key bank and all conversations are recorded and I was told by the rep that indeed everything was sent in time, Then XXXX said to resubmit information and was very cross with me. I then once again faxed everything XX/XX/XXXX I have the confirmation as it was faxed from key bank. I spent 4 hours on XX/XX/XXXX with Key bank and finally spoke to a supervisor XXXX, who then said I was missing a rent receipt once again I had to explain I sent in my Mortgage statement. Then she told me well we have no program. I asked then why did Key say they would try to help me and have me fax over all my personal information. I have other credit cards and each and every card worked with me in a hardship by waving the late fees. I have paid Key Bank every month XXXX.however they continue to add XXXX every month and double the min payments. it is disgraceful as I continue to have serious health problems and am not able to work, yet I am still trying to be responsible with the help of my children. Quite frankly it feel like extortion.
Product: Credit card or prepaid card

I was originally approved with avail credit of $ XXXXon Chase Sapphire card. Yesterday I received notice from them they decreased my available credit. I have always paid them more than minimum payment .. on time no lates .I called Chase today. The rep told me that on a credit review the decision was made to reduce available crediit. I asked the rep why, since no lates more than min. Paid every month. She said the credit review determined this? No reason given. I told herthis change could potentially reduce my credit score. She advised me they dont care aboout credit scores. For someone that has been trying to fight bad credit score my whole adult life ... I do care .This is UNFAIR. If I had paid late or missed payments by all means reduce the available credit. This will only result in hurting my credit scores .Available credit cut almost in half. It makes me wonder why consumers try at all. This is a huge setback for me is all. No resolution from them except to say not their concern. So UNFAIR, as they had no reason for this
Product: Credit reporting or other personal consumer reports

recently reviewed my credit and realized they were inquiries on my account that I didn't recognize hence fraudulent and I would like to have them removed. These inquiries includes ; XXXX ( Finance ), XXXX XXXX ( FINANCE ), XXXX XXXX ( BANK ), XXXX 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 frauded in XXXX and XXXX. Just received account investigation that I not responsible for charges. I called to order a new card 5 times and telling them I haven't received my card. They said I needed to talk to someone in the fraud department. I explained I received XX/XX/XXXX XXXX2022 the investigation was complete. Then they told me on account is in review and it has a frizz. I asked for what and they said there is nothing they can do until this is complete.
Product: Money transfer, virtual currency, or money service

wise XXXX has closed my account for no reason, when i try ask them and send many mails no one answer, my account been created long time, and all was good until now, they close it for no reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA ( Collection Agency Name ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

From XXXX XXXX these has been a hard inquiry that is in accurate on my report XX/XX/XXXX for the amount of XXXX these are hard inquiries I did not authorize XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX for the amount of XXXX in accurate /hard inquiry I did not authorize XXXX XXXX XX/XX/XXXX /XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX these are unauthorize inquiries and would like them to be remove from my credit report they are affecting my credit report
Product: Debt collection

My complaint is that there is numerous of debt from many companies that have gone to collections without my authorization of me physically purchasing any of the things listed on the report... with this matter I have been homeless and have been struggling due to someone using my name and personal information damaging my credit and restraining me from being approved for resources such as a home, car, and living expenses my credit has been bad for a long time and I never knew why until I noticed that there is obviously fraudulent going on with my name
Product: Credit card or prepaid card

I entered into a credit transaction with Comenity/XXXX XXXX and I was denied but I still received a inquiry so everyone got paid except me that's a violation and improper use of open ended credit plan
Product: Credit card or prepaid card

Macy 's ( o nline here :   XXXX   XXXX   XXXX   XXXX   XXXX    )   and at their  XXXX   XXXX   XXXX  location ( in  XXXX , NY, where no one has cars/trucks/etc, which will be relevant ), advertises up to {$100.00} off purchases made when you open a new card. The purchases must be made within 2 days of opening the card.  <P/> I went t o Macy 's to buy a mattress that was cheaper because of this {$100.00} offer and opened a card. The interest rate is  ridiculously high, and so I opened the card only because of this offer.  <P/> The in-store person I dealt with handled the entire transaction - he answered questions about the mattress, set up the credit card application, processed it, and set up delivery date. I did not speak with any other representatives, there were no opportunities for a store rep to misunderstand what was happening.  <P/> The associate told me the credit would appear on my first statement. I waited unti l 2 s tatements had come, and nothing was there.  <P/> I calle d Macy 's customer se rvice and was told that the issue was that the mattress was purchased on the day I applied, but only charged on its delivery date. At no point when applying for the card was I told this, and even after confirming the delivery date the salesperson continued to say that the total would be {$700.00} rather than {$800.00} because of the credit.  <P/> The phone representative claims that they will process the {$100.00} credit, but given how unethical their behavior has been I do n't fully trust that.  <P/> They continue to advertise this promotion on their website and in store, without any notes about this major limitation. I did n't buy anything other than the mattress set, and there was no ambiguity about why I was getting this card.  <P/> I now have a hard pull on my credit rating for 2 years for a discount tha t may never come through, and this company is continuing to take advantage of anyone who goes to them to make a major, large purchase. I do n't know about Macy 's locations elsewhere, but the perce ntage of sales of large household appliances and things like mattresses that are done carry-out in  XXXX  is minuscule, so there is no excuse for not being aware that the offered discount would not apply.
Product: Credit card

On XX/XX/year>, an XXXX charge for {$2400.00} USD showed up on my Chase freedom credit card. I disputed the charge because I do not shop on XXXX and requested a new card number. The charge was refunded by Chase while they investigated the charge. On XXXX, the charge showed back up on my card. When I called the fraud department at Chase, they said that they contacted XXXX and because they have my name, my address, the old credit card number and a tracking number for a XXXX XXXX, that they determined that this was a legitimate charge. I told them that I did not order a XXXX and that it is not logical to purchase a XXXX XXXX for {$2400.00}. They opened the investigation again and told me to file a fraud claim with XXXX as well. I eventually was able to file a fraud claim with XXXX but they would not give me any details about the account that supposed is under my name. Now I am waiting
Product: Credit reporting, credit repair services, or other personal consumer reports

on or about XX/XX/XXXX, i got a call from capital one credit card .... and they said this was record .... i sent an app for a credit card .... i told them no i did not instered in it ok we will take it off ur credit score hard inquiry on or about XX/XX/XXXX. In XXXX i got a call from them again ... .. i said not again .... i never apply as i said before ... and they said this was record from their phone ok we will take off ur credit score and put a fraud alert on it ... as of XX/XX/XXXX it's not been taken off
Product: Payday loan, title loan, or personal loan

I got an email this week stating that the company was gon na take XXXX out for a payment this week. Well they took double payment out because I am behind but I 'm still paying on it he best I can. Well they did n't notified me about taking double payment out this week.. they just went ahead and did it ... which when I called them they said I can bring up ur contract and the lady was snotty and hateful too.. They should at least let me know that they were going to take it out twice not just do it..
Product: Credit card or prepaid card

On Monday XX/XX/2019 around XXXX my vehicle was broken into and my wallet was stolen. In my wallet was my debit card issued by XXXX bank. Being at it was in the middle of the night, I didnt realize my car had been broken into until I woke up for work that morning. When I woke up, I checked my phone and noticed I had alerts from my bank. There were a total of 6 transactions made with my debit card. 3 atm transactions for XXXX dollars each plus atm fees. The first transactions was at XXXX for XXXX. There was another at XXXX for XXXX and another at XXXX for XXXX. Then around XXXX there was a transaction made at a whataburger for XXXX and finally 2 transactions made at a merchant called XXXX XXXX, each for XXXX. I tried calling my bank but the bank customer service center did not open until XXXX so I had to wait until then. Once XXXX came around I called and got the card cancelled and opened up a dispute claim to get my funds returned to me. I sent them screen shots of the transactions made along with a case number of the police report I filed for identity theft. They said they would do an investigation and then contact me once they were done. I received a email from the disputes department yesterday saying they did not see any suspicious activity done on my account and closed the case saying they will not refund my money. I have gone back and forth with them asking how they could not see anything suspicious. The bank would never allow me to withdrawal more than XXXX in a day from a atm so for someone to be able to withdrawal XXXX within 5 minutes is very suspicious to me. I can provide any kind of other information you think will help me in recovering my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account listed on my credit report as Discover Bank with a current balance of {$150.00}. The date of the first delinquency on my credit report is not accurate. This account was opened before XXXX XXXX. This debt is currently violating the statues of Limitations as this debt should have already been removed from my credit report. Every Time I reach out to discover bank I am put on hold and can never get to an actual representative to try to speak with someone on getting this removed. I am asking for this debt to be removed from all 3 credit bureau 's.