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

I have paid this debt off and this company still reported it to the credit companies as unpaid account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I am being XXXX  by a debt collection agency for a debt that I do not owe or that is not valid. The collection agency has failed to provide proper validation of the debt despite my request, as required under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, they have continued to contact me repeatedly via phone and email after I requested they cease communication. I believe the debt is either inaccurate or was not mine to begin with, and I have asked the agency to provide evidence supporting their claim, but they have not responded or provided the requested documentation. This situation is causing undue stress and negatively affecting my credit report without justification. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to run my credit regardless of the credit freeze on my social security number. I have gone to the local police but they can not have the credit inquiries removed from my Trans Union credit report, nor can they do anything in regards to my stolen social security number. Please remove ALL XXXX XXXX inquiries from my Trans Union credit report. I was told these are BLOCKED but that is NOT TRUE. These inquiries are CLEARLY on my credit report and need to be REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

On XXXX Transunion I mailed Transunion a dispute to investigate and determine the completeness an or accuracy of some accounts reporting on my consumer file. Instead of Transunion adhering to 15 USC 1681ia1a ( g ) Transunion sent a letter file # XXXX dated XXXX denying my request due to accusations of utilizing a 3rd party to dispute account information while adding proof of authorization must be given. Without having or providing proof and no existing laws or statues currently supporting Transunion 's reasoning not to comply with dispute request, this simply is wilful noncompliance and violates 15 USC 1681 ( n ) and must be held accountable for.
Product: Payday loan, title loan, personal loan, or advance loan

I was denied a personal loan from Discover Personal Loans this afternoon due to a cyber scam that negatively impacted my credit through no fault of my own. Discover extended the offer to me, which I had not solicited. The denial was also influenced by a delayed response from XXXX concerning a missing telephone number on their fraud alert. Unfortunately, the long and short of it is that the personal loan was denied when it should not have been, and I was treated very poorly by Discover Personal Loans. 

The persistent denials from Discover and XXXX are distressing and unfair, given that the nature of these transactions is clearly fraudulent. The scammer 's deceit and subsequent threats of physical harm have already caused me immense emotional distress, and the financial impact is exacerbating my hardship. 

Despite my reasonable faith efforts to dispute the fraudulent charges with Discover and XXXX, both institutions have maintained their stance that these charges are legitimate and have refused to remove them from my account. This continued refusal has placed a considerable financial burden on me, with a negative balance of {$2400.00} still reflecting on my Discover card, and has destroyed my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The insurance company titled XXXX XXXX XXXX XXXX XXXX is reporting to my Transunion report that a policy was opened under my name without my comsent or permission. It then been sent to collections to a company under the name of XXXX XXXX XXXX. It is not fair for me to receive countless emails, mail, & phone calls for an insurance policy that was never opened without my consent or permission. This is a case of idenity theft and has dramatically costs me thousandths of dollars due to my credit report being abolished from some criminals. I Demand XXXX XXXX XXXX XXXX XXXX be immediately removed from my credit report TransUnion is reporting that the insurance policy was initially opened on XX/XX/2021 WITHOUT MY CONSENT OR PERMISSION I DEMAND THIS BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT
Product: Credit card or prepaid card

my card and idenity was comprimised i never used this chase freedom account for a while and the card was stolen i called this bank and went to the branch to prove to them this card was stolen this account is reflecting a balance of XXXX.+ that was never used by me it was fraud charges i filed a report with the police and they refused to credit the charges i sent proof i was in XXXX when this fraud occured there violating my rights with the fair credit and billing act the lady said XXXX remarks and thats why she denied by claim i sent my travel papers to her supervisor showing i was out of the country they still denied by claim she wanted me to go the police and get her a copy of the report and i dont have to do none of that thats her job no where does it say under the fbca i have to do that
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an collection reporting from XXXX XXXX I have on numerous occasions mailed documents to XXXX XXXX  requesting documentation to what this may have been. They have no once responded to my request. I don't believe an investigation has been done in this matter.
Product: Credit reporting or other personal consumer reports

well this morning XX/XX/2024 I got an credit alert informing me that a XXXX XXXX XXXX  was open in my name from XXXX may have been from the same scammers as the previous complaint that I have right before this one it's on my trans union report as I have the card. ( CURRENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ) XXXX. TALKED TO AGENT XXXX FROM CURRENT WHO SAID TO BE INVESTIGATING TO PROBLEM WITHIN 24-48 HRS. ALSO TALKED WITH TRANSUNION AND THEY GAVE ME THIS DISPUTE FILE # XXXX
Product: Debt collection

XXXX called from Bell Global solutions and said I had a XXXX? XXXX ... When I asked her for proof of debt and my signature on the form she said they couldn't get that... she was then very rude and condescending ... .she didn't verify my information before discussing anything!! Called back after I told her not to!
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

The debt is supposed to be to Commenity Bank for a couple of different accounts including Store cards XXXX says XXXX and another XXXX says Commenity but both are Commenity bank I found out. These both were opened by an unknown party in my name with stolen ID and information. It may have been another resident in my own building I live, which houses hundreds of people. We have had an issue with mail theft ID thefts, and fraud here. I notified Commenity thatI do not owe this debt and it was not my acct. they told me it would be taken care of. But it was not, it appearson my credit report as {$730.00} in debt, and is hurting my credit and is not my debt. I asked them for a fraud packet twice but they never sent it and insead placed the acct in collections in 2014 and will not listen to my info nor help me resolve this since. I decided to finally report it because I am tired of trying to contact them and no one cares that this was fraud at Commenity. I want the entire debt removed from both credit reports please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUEST ORIGINAL CONTRACTS WITH MY WET INK SIGNATURE TO PROVE THAT THESE ACCOUNTS BELONG TO ME AND THE CREDIT COMPANY NEVER SUPPLIES WHAT I ASKED OR WHAT IS STATED IN MY NOTICE TO VERIFY ACCOUNTS. THIS IS A VIOLATION OF MY RIGHTS AND IS SERIOUSLY HINDERING ME FROM OBTAINING CREDIT. THIS COMPANY ALWAYS SEND A frivolous DISPUTE RESPONSE WHEN IN ACTUALITY IT IS A DEFLECTION. THEY ALWAYS FIND A REASON TO NOT HONOR OR PROCESS MY DISPUTE AND ITS HONESTLY XXXX
Product: Mortgage

On XX/XX/2022, I received two thick envelopes from my mortgage servicer, BOK Financial, informing me that I was in default and had 90 days to cure it or else they would begin foreclosure proceedings. 

This was the first correspondence I had indicating that anything was wrong with my account. After calling them the following day, I learned that after a single bank overdraft in early XXXX, BOK Financial turned off my automatic mortgage payments and did not inform me of that change. As a result, I was suddenly three months behind on my mortgage payments and thus at risk of foreclosure. 

BOK Financial insisted that they had mailed me multiple letters and called me several times, but the foreclosure warning envelopes were the first sign that anything was wrong. A person claiming to be from BOK Financial had called me the previous week, but asked to confirm the last four digits of my SSN -- believing it to be a scam, I simply hung up. 

I find it frustrating and suspicious that BOK Financial claims that they could not get ahold of me for three months and yet was able to deliver a foreclosure warning right on time. Not once did anyone leave a voicemail, send an e-mail, or send a text message. 

I'm XXXX XXXX XXXX ; I rarely pick up the phone if it's a number I don't recognize, but I'm on e-mail all day, and BOK Financial was able to send me multiple e-mail notifications of secure messages throughout my complaint process after the fact. 

Even though I immediately paid the past-due mortgage payments plus fees the day after receiving the first notice, the " late payments '' have already shown up as a negative mark on my credit report -- despite the fact that I have never once missed a payment previously in more than seven years of ownership. 

Aside from waiving a single late fee, BOK Financial claims they can not do anything else to resolve this situation. I cordially request the CFPB 's help in righting this wrong. For reference, I have complained multiple times to BOK Financial via their online portal, submitted disputes with two of the three major credit bureaus, and plan on submitting an additional complaint in writing via mail to BOK Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not let me dispute any of the account they are marked potentially negative 35 of them that are closed and older than 6 to 7 years. Also I have a current account that is not late with TD auto Finance they also have potentially negative i contacts the td finance and they told me to dispute thru XXXX but XXXX will not let me dispute anything on my file stating it was already disputed. I am getting no where all those closed accounts that are over 6-7 years I need removed but I am being blocked and can not do anything this is a violation of my rights.I would like all closed account remove that are not reporting in my file REMOVED. They have hijacked my report and I have no access. I want my TD auto Finance the one that is open XXXX correctly I have never been late and I would like TS auto finance contact to confirm this is correct. 
I only have one name and have disputed they will not remove the other names of my report nor the addresses that dont belong to me. XXXX XXXX I ask for a live call to company to get sign documents I own that file nothing they updated it and left it on my report when I have never done business with that company. I need this fixed asap. I need TD a auto Finance to update my credit report monthly I am not seeing a 30 day update from them because of the daily fees they are charging me they are hiding what I owe and kinda not reporting my payments are on time an never late. I want my balance up dated monthly to all 3 bureaus.
Product: Money transfer, virtual currency, or money service

Sent {$500.00} US for concert tickets and was scammed by the Individual by not receiving the items I paid for. There has to be some recourse that can be taken. What about the account the money was deposited into by Zelle???
Product: Credit reporting or other personal consumer reports

Credit inquiry was done without my permission. 
Information given was not mine as I did not apply for any loan of any type. 

The companies do XXXX  Us Bank and XXXX XXXX were given the following persons name phone and address : XXXX XXXX XXXX XXXX XXXX WAY XXXX XXXX CA XXXX Phone ( XXXX ) XXXX
Product: Debt collection

Dealing with this horrible company is getting pretty ridiculous. I just received a letter from XXXX XXXX stating that I need a police report in order for them to cease all collection efforts. Instead of them PROPERLY verifying that I owe this debt, they now tell me I have to do something else. Money hungry immoral companies like this should be shut down.
Product: Credit card or prepaid card

I have two credit cards with Citi. For some reason there was a fraud alert from XXXX, which I already fix and citi does not want to acknoledge. They cut my credit limit down and affected my credit score on the limits. I am already paying one credit and told them to increased the credit on my other card. They refuse. I try two times to get it fix But the credit card customer service told me no. Even when I told them that I need it speak to a manager. It was denied. I am trying to increased my credit because of that fictitious fraud alert that XXXX  did to me and I can get it fix. So I am writing this complaint against citi cards. 

Citibank XXXX XXXX XXXX XXXX, KY XXXX Citibank XXXX XXXX XXXX XXXX, AZ XXXX The number for our Customer Service team is XXXX ( TTY/TDD : XXXX ). This department is available 24 hours a day, 7 days a week.
Product: Credit card

I requested a credit limit increase through my U.S. Bank credit card account. I carefully reviewed all of the information during the request process, and at no point was I shown any disclosure or asked to authorize a hard credit inquiry. I was specifically looking for this because I would not have submitted the request if a hard inquiry was required. 

Despite this, U.S. Bank submitted a hard inquiry to my credit report without my knowledge or consent. This action was taken without disclosure, and no authorization was provided by meexplicit or implied. I am requesting that U.S. Bank remove this unauthorized inquiry from my credit report and confirm in writing that it has been removed. 

There is no version of this application process in which I was shown language authorizing a hard inquiry, and I reject any claim that such consent was obtained. If U.S. Bank believes otherwise, they must prove that this language was visibly presented to me during the specific transaction I completed, not simply part of general terms or documentation located elsewhere.
Product: Checking or savings account

I mobile deposited a check from my employer, the check was cash late and the employer let me know there werent enough funds in the account anymore. I called the bank and asked them to reverse/deny the check for this reason as it was still being processed. They said to have the employer reverse the check or to wait until Friday to do anything when it clears and send the money back. I called on Thursday because my account online showed restricted and the lady on the phone told me my account was being closed solely based on her opinion that the check was fake. The check was not fake it was registered back to the original checkbook and payroll by check number. I still have the physical check. After just one persons opinion of a picture she closed all my accounts and froze access to my money without letting me get a second opinion on the check with a manager who knows what theyre doing. The check is very much real and my accounts are closed wrongfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail via USPS to Equifax on XX/XX/21, giving them all my current information and requesting that they delete all old addresses on my report. More than 30 days later, they have made no efforts to contact me. In addition, none of the old addresses have been removed. 

Equifaxs refusal to update my incorrect items is not only keeping me susceptible to identity theft, but its also hindering me from applying for credit
Product: Debt collection

Notice date : XX/XX/2022 Amount : {$37.00} Collection agency : XXXX XXXX XXXX XXXX XXXX, XXXX A notice, dated XX/XX/2022, was sent to my mother 's place of employment regarding my debt. I have NEVER used her employer 's address as a contact or have any association with the address whatsoever. The credit originator has my home and current address ; I have received notification from them in the past. This is an act of harassment.
Product: Credit card

Macy 's cashed my ck # XXXX for {$1300.00} on XXXX/XXXX/2016 the last XXXX digits of my account was written on the check. As of XXXX/XXXX/16 Macys has not applied the payment to my account. I faxed a clear copy of the front and back of the check on XXXX/XXXX/16 XXXX. I am told that it will take 2 billing cycles for them to look into and correct. I am asked to still make a min payment even though the check will pay more than what is currently charged on the account. I have reached out to Macy 's through the secure email on the credit card for some kind of status update on the research and no feedback has been provided.
Product: Credit reporting

Experian is blocking my attempts to dispute entries on the credit file they keep on me stating that they are previously verified. Things change and/or are incorrect on it but I can not even correct anything because of them. This is illegal and they have been routinely doing this to the public for a few years now, please help.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has resulted in the inclusion of inaccurate and harmful information on my credit report. Despite my efforts to resolve these issues directly with the credit reporting agencies and the involved financial institutions, I have encountered significant challenges in achieving a satisfactory resolution. I am a victim of identity theft, which has resulted in the inclusion of inaccurate and harmful information on my credit report. Violation of FCRA Section 609 ( a ) ( 1 ) ( B ) : Despite my efforts to resolve these issues directly with the credit reporting agencies and the involved financial institutions, I have encountered significant challenges in achieving a satisfactory resolution. Despite my disputes, the credit reporting agency has not properly verified the accuracy of the information in question. The continued presence of this inaccurate data on my credit report demonstrates a failure to comply with the required investigative standards under the FCRA.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and discovered several inaccuracies.

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports.

According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the changes.

I request that you update, block, or delete the inaccurate accounts and unauthorized inquiries listed in my credit report. 

Please review the attached letter for details. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

The account was 180 days charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as 180 charged off every month. This is an update in the payment history. A 180 charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am a bank america customer with close to XXXX on deposit in checking and saving accounts, they refuse to cash my bank of america checks. Reason is I don ; t have a debit card or a cell phone.

I offer 2 goverment photo ID 's I am XXXX yrs old a XXXX  vet, Why do I need a debit card or cell phone to access my money? 
Thank You XXXX
Product: Mortgage

This company is lying accept the part I got mad, because they kept trying to get me to do another application after I submitted one, and that was XXXX XXXX. All because I claimed I'm american XXXX, XXXX is a dead status, since it's a dead status they can deny my, proof I sent my application and XXXX was trying to commit fraud by altering documentation so they can deny me, under 15 USC 1691 clearly States that I can't be denied, 15 USC 1602 I'm the original creditor if denied access to my own credit, this company is XXXX, and in violation of 15 USC 1611, 18 Usc frand and swindles, and land home financial services is under the truth and lending act.