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

This account is not mine and has been deleted by XXXX 

Item1 # XXXX {$1600.00} Closed 22 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Deposit Related Balance on XX/XX/XXXX Loan Amount {$1600.00} These inquiries I didn't authorize. 

These lenders have accessed your credit file : XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Credit card or prepaid card

Today,  XXXX / XXXX /  XXXX  , I attempted to make a payment online for the ending statement balance due of {$55.00}. The online payment system would not accept a payment that exceeded my current credit card statement balance. My current credit card statement balance consists of a credit of {$27.00} for a refunded late payme nt. ( This  is a new account and I did make my first payment a day l  ate, Kohls refunded the fee ). The fee was refunded after my statement had cycled, hence, my balance due on the statement was higher than the current balance.
Interest is charged on the statement ending balance. The only way I can avoid this is to pay the full balance. However, their online payment system wo n't accept a payment that exceeds the current balance. I called their customer service department to verbally make a payment and the representative discouraged me from paying the balance in full. I had already paid the current balance online, which was less than the ending statement balance. I told him that in order to avoid interest charges I had to pay the statement balance in full and I was fine with having a credit balance on the next statement cycle. He was argumentative but I finally prevailed after telling him I was an accountant and knew exactly what was going on. Clearly this is a way for Kohls to earn interest by not allowing its customer 's to pay off their statement balances online and discouraging them to do so over the phone.
Kohls should accept payments for the total statement balance online regardless of activity on the following statement cycle.
Product: Mortgage

XXXX XXXX, XXXX Statement Date from Rocket Mortgage claimed that my mortgage payment was going to increase even though I have a special tax exemption from the County. 
- Even though the refund to Rocket Mortgage from the county XXXX XXXX tax payment was {$4000.00}, they only refunded me {$1100.00}. 
- When I called to tell them that I have a special tax exemption from the National Disaster declared FEMA program, and sent them the documentation via e-mail they refused to reassess my escrow account. The documentation I provided was the following : 1. the Amended tax assessment 2. the letter from the county stating my exemption through XXXX 3. the revised tax bill showing {$0.00} taxes due and the refund amount sent to Rocket Mortgage. 
The only way they would not increase my monthly mortgage to a higher tax amount, ( which was not accurate ), and send me the tax refund from XXXX XXXX due to the wildfire/FEMA, was if I removed the taxes from escrow, which I agreed to on the phone on XX/XX/XXXX. They said they have to keep the refund and the higher tax collected monthly and apply it to XXXX taxes, instead of adjusting the escrow account per the documentation. They came up with their own reason to increase what they wanted to collect and refused to refund me the tax refund from XXXX XXXX they were paid and sent. I feel like they were bullying me and I know there are supposed to be escrow account laws in place now that help the consumer not be bullied into overpaying them. 
Thank you for your help with this matter.
Product: Money transfer, virtual currency, or money service

To Whom it may concern ; The afternoon of XXXX XXXX 2021, I received a call from someone who said they were a representative from XXXX and that this was a urgent matter. They had me verify things in my phone settings convincing me my phone had been compromised and that they would need to access my phone in order to stop the hackers from stealing money from my bank accounts. While this was in process I became concerned and called the USAA Fraud line. I received a message that it would be 2:49 minutes before anyone could speak with me. I called several times in the hours proceeding. The same message over a 2hr wait to speak with anyone. I finally figured out that I could block my USAA account thru doing some research on line. I blocked my account the same day. I was able to finally reach a USAA rep XX/XX/XXXX and they opened up a dispute in my behalf. XX/XX/XXXX I got a call from USAA Rep explaining she would reach out to XXXX the company responsible for transfer these unauthorized funds and call me back. Never got a call back! Reached out to USAA and was transferred to another USAA rep in the fraud dept. I was told they would appeal this unauthorized charge. No action has been take again! 

I have filed a Fraud report with the Federal Trade Commission ( Report Number XXXX ) Please Advise XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank reported that I applied for credit but I never applied this is identity theft and I have attached the report to show this.
Product: Credit reporting or other personal consumer reports

Im writing to formally request that Equifax block certain information on my credit report due to identity theft and fraud, in line with FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Here are the fraudulent accounts I need removed : XXXX. A personal credit card account opened at XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX, under account number [ acct # ], {$3200.00}. 
XXXX. A personal loan account opened at XXXX on XX/XX/XXXX, under account number [ acct # ], {$5000.00}. 
XXXX. A mortgage loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$370000.00}. 
XXXX. A banking account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$1000.00}. 
XXXX. A banking account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX, under account number [ acct # ], {$1000.00}. 

These accounts have resulted in multiple fraudulent hard inquiries and collections showing up on my consumer FICO credit report. I've attached a list of the hard inquiries in question, as well as a copy of my consumer FICO credit report from Equifax showing these fraudulent items. 

I do not recognize any of these accounts, collections, or hard inquiries. They were not opened, made, or initiated by me and are clearly the result of identity theft and fraud. Ive also included a copy of the FTC Identity Theft Criminal Complaint # [ report # ] as proof from the XXXX Federal Trade Commission confirming that these accounts, collections, and inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 : XXXX INQUIRY XXXX XXXX XXXX XXXX Late XX/XX/2021 I DID NOT AUTHORIZE THIS REPORTA SO CALLED FINANCIAL BROKER NAMED XXXX XXXX MADE THE INQUIRYWITHOUT MY PERMISSION I CALLED THE THE XXXX XXXX FIRST THEY DID NOTHING I MAY JUST SUE THEM IN MY LOCAL COURT I HAVE BEEN TRYING TO FILE A COMPLAINT WITH XXXX OVER SEVERAL MONTHS THEY WILLNOT ALLOW ME TO LOG IN TRY AGAIN LATER I DEMAND A REMOVAL OF THIS INQUIRY 2XXXX XXXX XXXX XXXX  THIS " BROKERAGE " SENT ME TO THE " CHECK YOUR OFFERS WITHOUT AFFECTING YOUR CREDIT SCORE '' THAN DID AN INQUIRY SAME DAY ITS ON MY REPORT I WAS BAIT AND SWITCHED-THE CREDITS OF THIER FRAUDULENT SOAP OPERA OPEN WITH " NO EFFECT ETC '' I DEMAND REMOVAL AND DID NOT UNDERSTAND THE VERY VAGUE FINE PRINT
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see this letter as an immediate request to reverse ( 2 ) inaccurate late payments from my credit report. I recently reviewed a copy of my credit report. I am concerned because there is information listed that is inaccurate. I check my credit report often because I know how important having good credit is. Any information reporting on my credit report by law must be validated, verifiable if not, that information must be removed or corrected from/on my credit report.

THIS IS VIOLATION OF THE 15 U.S. Code 1681a- Definitions, rules of construction | U.S Code | US Law| XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 15 U.S. Code 1681a- 2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. Prohibition ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ) the term consumer report does not include ( A ) subject to section 1681a- 3 of this title any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX This account is reporting inaccurate late payment. Please reverse this inaccurate late payment from my credit profile and credit report immediately. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX, Va XXXXThis account is reporting inaccurate late payment. Please reverse this inaccurate late payment from my credit profile and credit report immediately. 

In closing, please reverse the inaccurate information from my credit report and send me an updated copy of my credit report once it has been removed. For your convenience, I have enclosed supporting documents verifying my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company NAVY FCU account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy report on my credit report. I've called XXXX and they said that LEXISNEXIS gave them the report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.
Product: Debt collection

My husband passed away on XX/XX/XXXX. The next week, as I was making cuts on bills, I chosed to have my internet turned on, and the cable turned off. I called XXXX. The guy I spoke with told me I had a {$20.00} past due. I was prepared to pay it, but he told me not to worry about it, that he was writing off my balance. Since then, I pay my monthly bill on time every month as I'm working on my credit score. 

Out of the blue, on XX/XX/XXXX, i received a notification from Southwest Credit Systems in XXXX, TX, that I had a past due balance from XXXX in the amount of {$140.00}, I needed to pay. 

Today, XX/XX/XXXX, I phoned XXXX and was told by two ( 2 ) people there was no past due balance on my accounts. I asked if they could send me something that said that so that I could send it to the creditor and was informed they could not send me anything or contact the creditor, but another department could so they transferred me. 

The ladies I spoke with ( there were two ), told me there was a {$140.00} balance and they demanded payment. I told them there was no money owed, so I asked them what we could do. The last one I was speaking with told me that I must pay it. I said that wasn't going to work until they could show me why two people said I owed it and two said I did not. She ended up hanging up on me. I never got rude or raised my voice. I know that I do not owe this money. I'm sure I would not have service with them now if I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion about the following incorrect information on my credit report. To this date they have not responded. 


The following account is not mine XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$560.00} ). Please remove it from my credit report. 
The following account is not mine COLLECTION ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$580.00} ). Please remove it from my credit report. 
The following account is not mine COLLECTION ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00}, Original Creditor : COLLECTION ). Please remove it from my credit report. 
The following account is not mine XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$400.00} ). Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I, XXXX XXXX XXXX XXXX XXXX, am aware of all rights that I have, and which are protected by the congress under the fair credit reporting act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX XX/XX/2017 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately, unless you want to be held XXXX per violation.
Product: Credit reporting or other personal consumer reports

While checking my most recent Equifax credit report, my credit report shows some inaccurate accounts. I also understand credit agencies may not report inaccurate information that has not been validated, or information not in compliance with federal law. I reached out to Equifax and notified them of the inaccuracies but has yet to solve the issue. 
XXXX XXXX XXXX  places a derogatory account on my credit report in violation in accordance with the Code of Federal Regulations : XXXX XXXX XXXX is in violation pursuant to 12 C.F.R 1006.30 My credit worthiness should not be compromised by this company 's negligence. 
I have no knowledge of, nor history with this company. 
Please remove the following accounts immediately. 

Online Information Services Account : XXXX XXXX XXXX XXXX is in violation and did not follow proper procedure according to 12 C.F.R 1006.30 and places a derogatory account on my credit report. I have no knowledge of or business with this company. I have contacted XXXX XXXX XXXX about the issue. This account should not be reporting. 

Equifax upon investigation has not furnished any original proof of validation, nor provided me with any copies of documentation associated with these accounts bearing my signature authorizing this account. Please remove it immediately. 

All parties must agree to a debt claim to be enforceable and legal. I never agreed to a contract with this XXXX XXXX XXXX. Also, the Fair Debt Collection Practices Act does not give XXXX XXXX XXXX the authority to force me to consent to contract with them. XXXX XXXX XXXX does not have lawful authority to enforce an alleged debt claim against me to my detriment without my consent. 

According to Equifax in a past CFPB complaint response regarding this company, case # XXXX this account is currently not reporting, but is clearly still reporting and needs to be removed. ( see attached ) Please REMOVE this account immediately as it should not be reporting and has already caused damage to my livelihood.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

i am a victim of identity theft someone used information to take a car does not related to any transaction that I have made.
Product: Checking or savings account

On XX/XX/XXXX, I accidentally made a duplicate payment of {$110.00} on a loan I have. The vendor associated with this payment appears as XXXX XXXX XXXX XXXX on my checking account. 

The following day, XX/XX/XXXX, I contacted my bank, USAA, to request a stop payment on one of the payments. USAA informed me that they are unable to stop, cancel, or block an authorized direct draft until it posts to my account. They advised that once the payment posts, I can dispute it and place a stop payment on future charges from that merchant. 

I sought clarification from the USAA agent, specifically asking if I had to wait until the payment is deducted from my accountcausing my account to overdraft and resulting in a {$29.00} overdraft fee. The agent confirmed this, stating : " Yes, once authorized it can not be stopped, and stop payments only affect charges three business days forward of the date you request it. '' " It only affects future payments, not past or pending charges. Once it is pending on the account or posted, you may dispute it and stop payment only on future payments. '' I also informed the USAA agent that I had contacted the merchant directly but have not received a response from them regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my consumer report and found out that there are inquiries and accounts I didn't recognize. This is a clear violation of FCRA 15 U.S.C 1681b ( f ) because they are reported without my authorization or permissible purpose and violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations. I believe I am a victim of fraud or identity thief. This makes me really frustrated and I want to seek legal action against this. If ever I want this Consumer reporting agency to compensate for all the damages they created to my consumer report. It really affects my life.
Product: Debt collection

On XX/XX/XXXX, I called XXXX XXXX XXXX to inform them that I will be terminating the phone and internet contract starting XX/XX/XXXX, and switch to XXXX. ( Monthly bill date was from XX/XX/XXXX to XX/XX/XXXX ) The XXXX XXXX XXXX representative told me that the technician man took care of discontinuing the plans. However, only the phone was cut and the internet was not discontinued. I used to receive phone and internet ( XXXX  ) bill as XXXX account, but I was billed the internet ( XXXX  ) every month with a different account number. I called every time the bill came to say that I wish to stop receiving service from XXXX XXXX XXXX. Finally, the bill stopped coming, but I was demanded that I pay {$XXXX}, which I should not be required to pay since I have been calling every month since the end of XXXX to stop all services. Additionally, On XX/XX/XXXX, which should have been my last bill to pay, I had accidentally paid it XXXX  so I should be receiving that back.
Product: Credit card or prepaid card

Selected Concern : TI Detailed Comments : You put a charge on my account for XXXX. I didn't go to XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX. This is the third time I have tried to contact you. Please respond. 
I have sent the required forms. They forwarded to XXXX XXXX and are blaming them for charged. Contact had been made XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022. This is the same response over and over and I am still being forced to pay for services I never had. 

Dear XXXX XXXX, This email is in response to your recent inquiry. Our records indicate that we received your claim form and are awaiting a response from XXXX XXXX. Please contact our disputes department directly at XXXX for further assistance. 

Thank you for contacting Fortiva Customer Service. 

XXXX XXXX XXXX | XXXX, GA XXXX | XXXX | XXXX  -- -- -Original Message -- -- - From : XXXX Sent : XX/XX/2022 XXXX PM To : XXXX Subject : Customer Contact Request
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account numbers XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Section 2 : I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

THIS IS NOT A DUPLICATE. After first dispute, company sent me a bill verifying a debt owned to XXXX. Sending a bill does not validate that I owe XXXX XXXX anything. I do not have a signed contract between myself and XXXX XXXX. I have a right to be provided with proof of a signed contract or I would like the debt removed from my credit report.