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

I checked my credit report after not checking it for a while and in my inquiry section I discovered multiple unauthorized credit inquiries that I did not authorize dating back to XXXX and I suspect them to be fraudulent. I never apply for credit there for I was alarmed when I discovered this. I immediately printed out my inquires and contacted each creditor and explained that I did not apply for credit with them and if there was anything that they could do they told me to contact the credit bureaus I contacted the credit bureaus and explained these inaccuracies reporting on my report and requested that they be removed and they directed me back to the creditors I explained to the bureaus that I had previously the contacted the creditors. Attached are a list of the unauthorized inquires and inquiry dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Listed inquiries being reported on my credit report are inaccurate and very damaging to my credit report and will prevent me from acquiring new credit if need be. I am requesting that all listed inaccuracies be removed immediately.
Product: Credit reporting or other personal consumer reports

Santander was unwilling to fix the error on the credit report that shows a settlement as a repossession. I went to buy a new car and couldn't because of erroneous information. During the Pandemic I called and spoke to a representative to settle the balance of the loan due to loss of wages. The representative stated it would be deleted off my credit report once I settled. But it is still showing and when I called Santander now, 3 years later due to it showing on my credit report the representative said they don't do " pay to delete '' but the original person I had spoken to years ago had verbally stated they would. It also shows as a repossession when the vehicle never left my property and was never taken by Santander.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a payment schedule setup to auto-draft from my account and have made the agreed payments. now this debt is showing back up on all 3 reports as delinquent and it has cost me XXXX points. I have provided proof of the last 2 payments, which reflect that the reporting information is NOT at all accurate and is hurting me badly as i entered into the agreement in good faith.
Product: Checking or savings account

I would like to look in to how to pursue an investigation into my institution on TD BANK N.A. of banking fraud. The reason for this is this institution has altered its transactions posting times to make returns and collect returned transaction fees. In my TD Bank Convenience account at this banking institution, I had a transaction that went through and cleared Monday XX/XX/2019, in the morning. This transaction was processed and was covered by overdraft protection and visibly showed in the posted transaction section of my online statement. I even waited until Wednesday to make sure all funds had cleared and had been paid to the recipient. I later double-check my online statement showing on XX/XX/2019 it had been cleared for 2 days. The reason I know this is I wrote a letter to the recipient that yes it was covered in the morning. Checking back on my account later that same day [ Wed. ] and my online account statement now stated it was summited on Tuesday, XX/XX/XXXX and returned. In fact it was 2 business days and post-dated by the institution creating a return with return and overdraft fees.
Product: Money transfer, virtual currency, or money service

A check under my name was deposited in my wifes XXXX account. 
The issuing check came from BNY Mellon Bank.

Due to this bad endorsement, her account was locked/ closed.

We submit power of attorney to XXXX, giving her permission to control my funds. 

The check clears but the account remains locked/ closed because power of attorney was supposed to be done BEFORE depositing check. 

We ask XXXX to return funds to issuing bank ( BNY Mellon ) so that BNY Mellon can issue me a new check to deposit correctly... 

XXXX says, issuing bank ( BNY MELLON ) must contact them.

We call issuing bank ( BNY MELLON ) and they say XXXX has to contact them. 

Both banks are telling us the other bank has to contact them.

We are stuck in the middle with no other action to take.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} XXXX   XXXX {$580.00} XXXX XXXX  XXXX {$760.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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.

( CREDITOR NAME ) 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

XXXX XXXX XXXX XXXX XXXX XXXX, Al, XXXX SS # XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear Sir or Madam, I am writing to formally dispute for the 3rd time! the accuracy of information listed on my credit report. In accordance with the Fair Credit Reporting Act, Section 1681i, I request a reinvestigation and correction of the following information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$14000.00} I believe these accounts are inaccurate and the information is incomplete Please investigate this matter within the 30-day period as required by law and correct or delete the disputed item from my credit report if it can not be verified. If the item is verified, please provide me with the method of verification as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt response. This information is harming me mentally and financially. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$80.00}
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I sent written notices to Merchant 's Credit Group that I disputed the above referenced debt, and requested validation THREE times. 

On XX/XX/XXXX, I sent them a validation request. I never received any paperwork they stated they mailed out to me. After the 30 day time frame for Merchant 's Credit Group to given to validate the debt, I received a computer generated statement stating the original creditor, account number, amount, the last four of my social security number along with my first and last name. I sent them a letter demanding them to delete the account due to NOT validating the debt with the 30 day frame. The account is still showing up on my credit reports. 

On XX/XX/XXXX, A Female supervisor inform me that shes NOT allowed to verify the info over the phone but demanded I give her my information in order to proceed. She lied to me that Merchant 's Credit Group never received my DV letter and then put me on hold for 10 minutes then informed me they did receive it. She refused to provide any information over the phone. She then raised her voice at me stating that Merchant 's Credit Group sent everything to me, and to deal with it myself and hung up. 


Merchant 's Credit Group has not responded to any of my validation requests mailed to them. 

On XX/XX/XXXX, due to Merchant 's Credit Group failure to validate the debt 3 times, I sent them a Notice of Failure to Validate Debt of Account No. XXXX and demanded the account be removed from all three credit reports. 

Merchant 's Credit Group has not provided a signed contract showing my liability by corresponding my Social Security number with my signature to ANY of the validation requests and nor removed the account after receiving a Notice of Failure to Validate Debt of Account No. XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notice of a collection account reporting on my credit from XXXX XXXX XXXX XXXX for a debt they have reported twice on my credit report. This error is in violation of the FCRA reporting act and I have disputed the reporting with little to no help from XXXX or the credit bureaus. All validation they have sent me for the account only validates a collection on my report titled XXXX  not XXXX  or XXXX  XXXXXXXX  The account reports 3 separate account numbers for the same debt. The one they have repeatedly validated with no contract bearing my signature is the account beginning in XXXX which reports as XXXX  not as XXXX. The actual account reporting as XXXX  shows a different account number beginning in XXXX which they have not validated once despite numerous attempts. How can I have 2 open accounts with one company for one debt reporting as two accounts with two different account numbers this is in clear violation of the FCRA
Product: Debt collection

I sent out a Demand letter for Robocalls to stop from this business. They called me 5 times regarding this issue without my consent. I did not give this company consent or I did not provide my phone number to this company to call me.
Product: Debt collection

I moved my home and transferred my service for XXXX XXXX and XXXX XXXX internet services in XXXX of XXXX. I had ongoing billing problems with XXXX XXXX for the next 8 months. I spent no less than XXXX HOURS of my time on the phone and online trying to get them to remove their billing mistakes on the old accounts. I was told that I had paid in full and thought my accounts were correct. I am still a current customer. I have had continuous service with both companies. 
Recently the company sent me to a collection agency in the amount of {$710.00} without making any attempt to notify me first. I have disputed these incorrect charges with all three major credit reporting agencies. 

I refuse to spend more time contacting XXXX XXXX billing department. They were able to keep turning off my XXXX XXXX services ( 4 times ) during these 8 months. I demand that they remove the collection attempt from my credit file.
Product: Debt collection

XXXX XXXX XXXX keeps trying to collect more than what it owed. I've reached out to the apartment complex and i've spoken to a couple of people at the collections office. This still has not been updated with accurate information and they keep reporting it to my credit profile.
Product: Credit reporting or other personal consumer reports

XXXX states on my credit report that I owe them {$170.00}. I called the company and spoke with XXXX who informed me that my name nor my social security number is in their records. This conversation was on XX/XX/23 around XXXXXXXX XXXX. I then filed a dispute on my credit report through XXXX. 

Capital One Credit Card states on my credit report that I owe then {$480.00}. I called the company and the same answer - no record of my name nor my social security number is in their records. I do not have an account number and again spoke to Capital One fraud department. 

I called XXXX and spoke to XXXX who put me through to the fraud department. I spoke with XXXX in the fraud department who suggested I file a complaint through the FTC.gov which brought me to this website on Consumer Affairs. I see there are two social security numbers reported on my credit report. The first one ending in XXXX is the correct one. The second social security number ending in XXXX is NOT my social security number. I asked for this to be deleted however, with the disputes they are seeing if this number is the one with the fraud. 

I am trying to clean up my credit and finding that their is possible fraudulent accounts opened in my name. How can companies not have a record of my name and social security number but it shows up on my credit report, thus affecting my credit score. I need these accounts looked into and cleaned up! 

I just moved to XXXX  and have provided my current address. 
My XXXX  address was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX last four digits of SS # XXXX Full name : XXXX XXXX XXXX or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. BARCLAYS BANK DELAWARE Inquired on XX/XX/2020. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated this inquiry.
Product: Credit card or prepaid card

On XX/XX/18. I went to town for shopping. When we got to town ( 2 hours commute ). I realized I forgot my bank ATM/ debit card. I did have my capital one credit card. And had about 900 available balance. 
So i decided, I will use this card. Everything was ok until we went to XXXX. My total amount was XXXX. And my card was declined and the machine stayed to call the credit card company. I did call them. They stated my card was flagged for suspicion of fraudulent use. I told them and they cleared me, stating it was me. It might have been flagged because I had not used the card in so long. They " unlocked '' my card. That's was 20 minutes of being on hold and trying to clear my account. And we had to stand outside the store because there was poor cell signal. My daughter had to stand with me in the heat. We went to our next place- XXXX XXXX XXXX. And my card declined for 80 some amount. My XXXX XXXX XXXX started getting frustrated of her mom talking on the fone for another 25 minutes. She crawled under the cart and got frustrated. They " unlocked '' my fone again. I stayed on the fone with them as we went to XXXX. I wanted to talk to a supervisor. The guy started being a bit to sarcaisc because I demanded to talk to a supervisor because I already answered all the questions needed to unlock my card twice and did not want to go thru this again. He sed " I explained this already and it was recorded, '' i told.him, well, the recording will.show how long i was placed on hold and how long this is taking. Not to mention, the recording will also show you, not transferring me to a supervisor. I was so was embarrassed and, by now, I got so frustrated, my daughter and I didn't enjoy our trip to town. I even forgot items because I was on the fone for a long time. Then he finally started to transfer my fone call, he transferred me to another customer service persons who spoke to me in some other language. He finally spoke back to me in English. He stated he was a customer service representative for Spanish speakers. He finally transferred me to a supervisor. He assured me he over wrote the system and I should not be worried my card would not decline. I told him, if I cleared all the questions that it was me, then why did I have to call again and to be embarrassed and afraid to use my card. I have been a loyal customer. And a month ago, I went to XXXX XXXX and used one of my other credit cards with no problem. 
We got home. We did not enjoy our trip to town. I spend so much talking and waiting on hold. I even had to make another trip to XXXX because I forgot items. And we got home, I still forgot several other items we needed. 
I needed to make 3 more stops but i was so afraid my card to decline, we didn't go.
Product: Student loan

I gained my first private student loan with XXXX ( now navient ). As a XXXX I was unaware of the troubles that I would encounter once I have received a degree and entered the working world where XXXX/Navient would begin to terrorize me financially. Since my loans have been in repayment I have not been able to make the payments due to the amounts on the loans being so high and my income being so low. Navient has proposed options that are n't near suitable for me to maintain with the tightest budget. Even in light of my current income they are still expecting me to pay beyond XXXX $ a month ( IMPOSSIBLE ). When attempting to work out other options with them based on my income they were still asking XXXX $ XXXX $ a month ( STILL IMPOSSIBLE ). Alongside of the harassing phone calls and threatening letters, the customer service is terrible and they show no empathy at all. i.e. a customer service agent called me broke because I could not fit the extremely high repayment " option into my budget ''. Long story short I have worked hard to maintain good credit in effort to put my family in a home and live comfortable, however I am unable to do so due to this monster called NAVIENT. ... ... ... They are not flexible and do not really provide " options '' for repayment. I 'M SURE THEY ARE NOT ONLY RUINING MY LIFE, BUT ALSO MILLIONS OF LIVES ACROSS THE COUNTRY
Product: Checking or savings account

On XX/XX/21 I was a victim of a scam by someone posing as Chime Bank. They managed to get my log in info and changed the Name, Phone Number, Email, and log in information on my account completly locking me out. I have reach out to chime through their customer support email as their phone support allows no option to talk with a real rep. I am going on exactly 1 week without having any access to my account. I have sent about a dozen emails to chime support, and they have failed to email me back even once. I am extremely frusterated, i have no access to my money which is now probably gone .... i have recieved no help what so ever. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL CREDIT INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE AND DID NOT AUTHORIZE. THE INQUIRIES ARE BELOW. 
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

The information reporting on my credit report is inaccurate and I request it to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Self lender credit card
Product: Debt collection

XXXX this person has had my file since XXXX, he looked at my XXXX report XX/XX/XXXX for some reason, he doesn't report there ( proof attached ), did NOT use it to get my address and send me a bill and debt validation like he's required to do, but that didn't stop him from reporting me to two credit bureaus in XXXX, before he ever let me know he held my file. I still haven't received a single sheet of paper from his office. He could find {$10.00} though, so he's got billing records. I'm entitled to all of them. Also please make sure he's properly showing my MEDICAL debt. He likes to pretend like he doesn't know how to do his job. Thanks. I'm attaching stuff you probably have access to.

HEY WAKEFIELD PEOPLE " Scoring company XXXX now excludes all paid and unpaid medical collections regardless of how much is owed or how long the debt has been in collections '' and " XXXX said the most recent medical debt guidance would have little impact on its scores because of the way it already differentiates between unpaid XXXX XXXX and other kinds of unpaid debts. '' So tell me again how you're allowed to not clearly label my medical debt as medical debt. That's BS, it's also illegal, and you know it. Next I want you to explain the statement " meets requirements of the fair credit reporting act ''. Because you've had my file since XXXX, poked your nose in my XXXX report XX/XX/XXXX, reported me to every bureau EXCEPT XXXX in XXXX, and it's XXXX now and I've *hollered* for debt validation, verification, and itemization through here and 2 disputes and you've sent squat. Zero of that meets the requirements of the fair credit reporting act so please remove that statement, and send me your records. You found {$10.00} so you've got billing. I want it NOW
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have old debt that is too old to collect on and is no longer on my credit report. I have no collection items on my credit report. The statute of limitations has already passed. I have made no contact with this company at all. I would like them to stop calling me.