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

Complaint Details : I am a victim of identity theft. An account with XXXX XXXX XXXX was fraudulently opened in my name and reported to Experian. Despite never authorizing or opening this account, Experian continues to report it on my credit file. I have provided Experian with all required documentation under FCRA 605B, including : An FTC Identity Theft Report A police report Multiple written disputes explicitly requesting the removal of this fraudulent account. 

Despite receiving this evidence, Experian has refused to delete the account, relying solely on certification from the furnisher XXXX XXXX XXXX XXXX ), which violates FCRA 611. Their failure to comply has caused significant harm to my financial stability, creditworthiness, and well-being. 

Impact of XXXX Non-Compliance 1. Denial of Credit and Business Opportunities Due to the fraudulent account, I was denied access to critical funding for my business and personal needs. While I was not applying for a specific amount, this denial restricted my ability to access loans or lines of credit that were essential to maintaining and growing my business.

2. Financial and Emotional Harm Experians failure to act has caused : XXXX XXXX XXXX : Unjustly affecting my ability to secure financing and forcing me to pay higher interest rates on other loans. 
Missed opportunities : I was unable to pursue key business opportunities and personal financial goals due to restricted access to credit. 
Emotional distress : The prolonged dispute process has caused unnecessary stress, anxiety, and frustration. 

XXXX. XXXX Non-Compliance Experian has repeatedly ignored its obligations under the FCRA to : Delete fraudulent accounts within 4 business days after receiving proper documentation ( 605B ).

Conduct a reasonable investigation of disputes, as established in XXXX XXXX XXXX XXXX, rather than relying solely on the furnisher. 
Ensure accurate reporting, as XXXX has already verified my evidence and deleted the same fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on 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 any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 ( Original Creditor : XXXX XXXX XXXXS ) XXXX Balance : {$1000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XX/XX/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: Checking or savings account

XX/XX/2024 @ XXXX PST : Received a welcome email from Chime.com. I did not create this account. 

XX/XX/2024 @ XXXX PST : Received email from Chime.com with a direct deposit form attached. The name on this direct deposit form is not a person I am familiar with. 

XX/XX/2024 @ XXXX PST : Received email from Chime.com that a debit card was being shipped. I am not familiar with the address shown in this email. 

I believe my email and possibly social security number have been used to open this account. 

I have contacted the company but have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied an auto loan by XXXX XXXX, based in part on information from XXXX XXXX. Under the Fair Credit Reporting Act, I have attempted to contact XXXX to obtain a free copy of my credit report. However, I have been unable to obtain an electronic copy or talk to someone at XXXX to assist me in obtaining a credit report. The phone rings during business hours, but no one ever picks up the phone at XXXX.
Product: Credit card or prepaid card

I have been current on my payments with Citibank Credit Card. Due to the hardship of Covid-19, I was only 4 days late of my monthly payment of {$70.00} for my minimum payment of my XXXX bill. I was planning on paying my bill, but due to XXXX I was 4 days late of my due date and my minimum payment went up from {$70.00} to {$210.00}! I requested that they please waive the late fee of {$29.00}, However, Citibank is unwilling to waive the fee of {$29.00}. I was only 4 days late and this is what they said. 
" Late fee and finance charge adjustments are approved and declined systemically by the bank. To submit a request for an adjustment a payment to bring the account to a current status will be required. {$210.00} will bring the account current as of XX/XX/20. '' I said I can not afford {$210.00} at this time, and asked if they are willing to waive the fee of {$29.00} and work out a payment plan with me, but they refused. Millions of people are suffering right now due to Covid-19 and Citibank should be ashamed!
Product: Checking or savings account

I filed a dispute on XX/XX/year> for a charge on XX/XX/year> for {$1300.00} from XXXX on XX/XX/year> they requested information asking what was purchased I called in letting the representative in the dispute department know that I didn't know what was purchased because I didn't spend that much with the company. On XX/XX/year> the credit on my account was reversed, the case was closed with them stating I did not provide the information that was requested. I called in again around XX/XX/year> and I was told they saw I had called in but no notes were made and that was why they closed the dispute, because it looked as though I had not provided the information. He said he was reopening it and they had 10 days to rereview it. I called back on XX/XX/year> and I was told it had only been 6 business days and they had XXXX so there was nothing they could do. I then messaged them on XX/XX/year> asking the status because it had been over ten business days at that point and still no decision, they will give me no update and keep telling me that every time I call in their 10 business days restarts. I have done everything they asked and they keep messing up my case and not doing anything. They refuse to refund me while they try to fix it saying that they don't have to do it. And multiple times someone from the escalation team was supposed to call me but they never do. I filed one complaint already and they never contacted me, they briefly put the money back in my account and then retracted it again saying they found no proof of fraud after their investigation. I requested all information pertaining to their investigation and I was told there was none attached to my case but they would send it to me. When I received what they sent there is nothing that shows any attempt at any investigation. All they did was make a decision.
Product: Credit card

In XX/XX/XXXX, I opened a store credit card at a Best Buy location sponsored by CitiBank North America. At that time I explicitly asked for a store credit card vs. Visa credit card and was given that approval. 

In XX/XX/XXXX I noticed on the Best Buy online credit card portal my store credit card was closed and a new Visa credit card was issued. I contacted support and was told a notice was mailed to me in XX/XX/XXXX with an opt-out option for the issuance of the new card. I asked for proof of delivery or receipt ( such as certified mail ) and was told they only have internal records the notice was mailed. 

I am filing this complaint as I believe a credit card was issued under my social security number without my authorization. I did not receive this opt-out notice nor did I provide any sort of consent for a Visa Best Buy card issued through Citibank to be opened. I believe this was a deceptive business practice to convert accounts without user consent with the purpose of increasing credit usage on these cards. 

Here are steps the company should have taken to provide proper notice of such opportunity : - Provide an opt-in offer as opposed to opt-out. 
- Provide electronic notification of such changes. I did not receive an email or portal messages regarding this change. 

This complaint is the beginning of my process to take action against CitiBank North America / Best Buy Credit Services for the purpose of protecting consumers from predatory business practices such as this.
Product: Mortgage

Amerisave Mortgage company is purchasing trigger leads and a " XXXX '' ( not sure if actual XXXX 's name ) has been soliciting XXXX clients and falsely claiming to be affiliated with me and my company, XXXX XXXX XXXX. They are collecting $ XXXX {$50.00} for the credit report and I have had XXXX customers recently pay this fee. This fraud needs to be reported and stopped! Most recent customer forwarded me this phone number they called minutes after I pulled credit : XXXX
Product: Debt collection

XXXX XXXX, This company has on multiple occasions now, tried serving my XXXX, instead of me. In their debt collection lawsuit against me. They Have gone to his house and informed my XXXX  all about my debt, and even named his name in the court papers. Its happened twice now. We even have different middle names, but for some reason they cant get it right. Its embarrassing and I wish they could be more professional and do their research. XXXX XXXX XXXX XXXX, my dad is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am extremely frustrated to find an unauthorized inquiry on my credit report this morning, and I demand this issue be resolved immediately. I double-checked by refreshing my browser, but the discrepancy remains. Please thoroughly review the documents I sent so I wont have to deal with this stress again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting false information on my credit report called them and let know they refuse to deal with it is keeping me from getting a home because of the car on my credit report.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau ( EXPERIAN ) has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 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. I request delete the not authorized hard inquiries below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late payment reporting on my XXXX XXXX account. As you can see I have had this account open for years and never made a late payment and there is not one single other late payment reporting. I care about my credit and have a great relationship with all my creditors. Please remove this remark.
Product: Vehicle loan or lease

My insurance and auto loan is with USAA. My vehicle was totaled and I am being asked to send a signed and notarized POA and affidavit of correction, and I was told to leave it blank so they can make changes to it.I was told they do this all the time. As far as I know you cant make changes to notarized document and Im not comfortable signing and notarizing blank documents for them to fill out later when Im not even sure what Im agreeing to. I was told if I dont they will not payoff the loan, they currently have me in collections charging late fees cutting of my credit cards, and reporting to the bureaus. Ive attached the documents they sent and was told to just sign and notarize, but leave the rest blank, and that theyll fill it out and I can trust them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a copy of my credit report from Equifax. That report included the following information, furnished by you : 120 Days Late Payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Under the required proof of Adequate Federal Reporting Compliance, such as Metro 2 and the Fair Credit Reporting Act standards, Im requesting XXXX XXXX XXXX XXXX affirm and confirm the creditor classification codes, the exact and complete sequenced Metro 2 data formatted 426 character P-6 statements, as well as all applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect, each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non-transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged. 

I do not consent to E-Oscar reporting and am requesting evidence of every alleged late payment. Every Late Payment reported against me needs to be in compliance with Metro 2 compliance standards. 

Federal Privacy Act of 1974- 5 U.S. Code Section 552a. This law applies to the access to, and disclosure of, records of individuals held by federal executive and regulatory agencies. It requires such agencies, with some exemptions, to limit disclosure, provide access to individual, and to apply basic Fair Information Practice Principles to such records containing the personal information of individual U.S. citizens. 

I wish to know if your office- XXXX XXXX XXXX XXXX has violated Minnesota or Federal Privacy Laws by providing or giving permission of the above-referenced matter to Equifax. 

Under the Fair Credit Reporting Act ( 15 U.S.C. Section 1681 ), you are obligated to investigate this request within 30 days, and promptly give credit reporting agencies correct information if you find that information you have reported is incorrect or incomplete. I have enclosed the Consumer Furnishers of Information, which details your responsibilities under the Fair Credit Reporting Act as a furnisher of information to credit reporting agencies. 

This negative information is damaging my credit. Please promptly contact Equifax and remove this information from my credit file immediately. 

Please confirm within 20 days that you have directed these credit reporting agencies to remove this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried many times to reach Experian with no response whatsoever. I have no accounts or credit score showing on this agency even though I have many good standing accounts open with different credit card companys and financial institutions. I ve reached out to this credit cards and banks to ask them to report the major credit agencys and their response is always the same. ( We report every month please reach out to Experian ) this is my last resort since Experian never answer phone calls or letters.
Product: Credit reporting or other personal consumer reports

TransUnion - I have been trying to get my Credit report from TransUnion as I saw an error on it at another Reporting Agency. I was able through to get the other Agencies and correct the error at the other two Agencies. During the past two months I have tried to access my report online at TransUnion.com, I have tried to engage the online help chat on the TransUnion website, I have called toll free help number. My credit report in unavailable on the website. The chat is a circle of frustration. I have been hung up on twice when I call the toll free number. None of the information they have on me is correct and I can not seem to communicate with the company through any of their recommended channels. This is inordinately frustrating.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : -ITEMS FOR DISPUTE- XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were 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 XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Please provide proof of which account was used in order to purchase vehicle registration and if client social security number was used which account was money taken from provide proof of payment from client.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a second letter asking for the removal of the XX/XX/XXXX, XXXX XXXX XXXX XXXX to be removed. Long before this letter I noticed that a second account with the same incorrect and old information was add to my report for no reason.
Product: Credit card

Synchrony bank ( formerly GE credit ) closed my account two months before the rewards payments were to be paid. I was in a " chat '' discussion with a SYNB associate expressing my displeasure at the new policy of not making statements available online. I stated that I did not wish to do business with SYNB due to this policy. The " chat specialist '' was supposed to connect me to a phone call to inquire about my cash rewards on {$10000.00} of purchases, but instead was disconnected. When I called back the person told me that the account was already closed and my cash was forfeited! My bill was already scheduled on the due date of XXXX of a payment in full for the full statement balance, but did not include pending charges. I want my rewards and a method of payment for the bill that will be due in XXXX. I have not received any further correspondence other than " Thank you for chatting with us ''. Synchrony Bank AKA XXXX Bank XXXX GE Capitol, GE Credit is a disreputable business which preys on consumers who are the most vulnerable and least suspecting. It seems that they do NOT care about their reputation and have already been fined and brought into class action lawsuits, but continue to defraud consumers. It seems that it is more profitable pay out millions in fines and continue the unscrupulous conduct than to change these practices. Please crack down on these crooks and put the word out there to department stores who are drawn in by promises made by these crooks.
Product: Checking or savings account

While incarcerated I did 9 months in prison my unemployment money was coming into my debit card every month and a man named XXXX XXXX stole all my possessions while In there in including my debit card and stole almost XXXX from me and I dispute it and they denied my first dispute even though I provide documents stating I was in prison.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX company has reported 3 late payments on my account to the credit bureaus ( 30,60,90 days ). For the months of XXXX, XXXX and XXXX of 2022. This information has completely ruined my credit and made me miss on the opportunity to get credit to buy a house, I have never been delinquent on this account, my payments have been made on a timely manner, however XXXX XXXX  still wrongfully reporting my account as past due.