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

On my credit report a balance of XXXX for XXXX XXXX is showing up .Its not my charge not even my name.. I cant get XXXX to help me I need to have this fraudulent charge removed XXXX cant get the collections company to even talk to me because they have a XXXX name under this debt .. its very confusing and XXXX  % fraud
Product: Credit card or prepaid card

I have a credit card that I began using around XX/XX/2022. I charged {$300.00} + {$900.00} + {$900.00} within a span of two months. This should add up to {$2100.00}, and it was all paid to my dentist. This is the only thing that I have ever charged with this card.. 
A couple of months ago I noticed that my balance was down to around {$1600.00} and then the balance changed to over {$2000.00}. I called them and asked what happened, and they said it was interest. I can't believe that the interest went up over {$400.00} in just a month. I asked them to send me a copy of all of my statements, and they never sent them. I also use to receive my statement ( e-billa ) through XXXX XXXX XXXX. For the last two months, every time I try to see my bills, it says : We are sorry, We a pologize our system is having technical difficulty retrieving your information, Please try again later. 
Something is starting to smell fishy here. I have sent this company {$1600.00} in payments over the last 21 months. How on earth do I now owe over {$2000.00} now. 
Can you please help. This is ridiculous!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT INQUIRIES DELETE IMMEDIATELY 1. XXXX   XXXX XXXX XXXX WA XXXX XXXX 2. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CA , XXXX 3. Factual Data XXXX Factual Data XXXX PA XXXX XXXX 4. XXXX XXXX XXXX  XXXX FL XXXX XXXX 5.XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, DE XXXX 6.Factual Data  XXXX Factual   data XXXX PA, XXXX
Product: Debt collection

I asked XXXX for a declaration of Debit. Showed proof that I was not the person who owned the debit. They then decided to give me a derogatory remark followed by sending the debit I contested back to the XXXX XXXX after I disputed it.
Product: Credit card or prepaid card

Spoke to XXXX rep in XXXX - regarding my account and asked her to give me a better explanation regarding my account and the int rate that was getting for XXXX per month and asked her very kindly to remove or adjust it but she refused and told me that stay there and say : we do n't adjust rates ", I made my very best to communicate nicely with representatives from Citi but they just told not to help anyone. 


Fair lending act say : consumer have the right to ask CC companies for a breakdown of payments and better explanation of int rates on which i 'm not very knowledgeable about it and i fell i was set up on a predatory interest rate credit card. 


FYI - Citi has not responded and chose to ignored my previous request
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off this card to a XXXX balance on XX/XX/2020. I contacted Goldman Sachs on XX/XX/XXXX to inquire about closing dates and when the updated balance will be reported to the credit bureaus. The answer that I was given was uncertain but the agent opened an internal dispute to look into getting the information updated. After not hearing anything back, I filed a dispute with XXXX in early XXXX and Goldman Sachs incorrectly reported this information as accurate. As of today, XX/XX/XXXX, the account is still showing an incorrect balance ( {$2400.00} ) thus affecting my credit score and my ability to make purchases. I contacted Goldman Sachs again today and the agent that I spoke with stated that the previous investigation was closed and that she will reopen another. According to my records, Goldman Sachs has not reported anything to the credit bureaus since XX/XX/2020.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, navy Federal all have debit card checking scam where money or personal info has been fraudulent use in my name. Since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : 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
Product: Debt collection

XXXX XXXX open up a credit card without my permission and knowledge the account has not been used the amount of the credit was given when opened was XXXX and the same amount is still on there the only thing has been charged is finance charge and they tried to say I owe {$1400.00} but the card wasnt charged with no item bought and the account was sold from XXXX XXXXXXXX XXXX XXXXXXXX XXXX to CAVALRY PORTFOLIO SERVICES now they tried to serve me some papers I told them to send some evidence of what account who signed it and what was charged and to the account and it was nothing I have not opened a credit card with this company this was sold and they got the debit paid I want it closed and removed and I have not opened account they reported it wrong on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the middle of XXXX my credit report has been reporting errors and inaccuracy that TransUNION HAS NOT BEEN ABLE TO OBTAINED AND SECURED the correct verification of the correct status of the tradeline for XXXX. From XX/XX/XXXX I have made multiple attempts to be able to connect with the right party who can assist on this matter. The investigations completed on this tradeline have been verified as accurate and then after a re-investigation the information disputed was deleted since transition was not able to verify took it upon themselves to just marked as unknownn because the furnisher was not able to verify the information disputed. Both parties in concert have been giving me the run around and blaming each other for the inaccurate status of the tradeline. I also disputed the information directly with the furnisher via phone multiple times, via cert mail signature required/receipt and to my surprise the person who signed the label does not even exist in the employee directory ; now they are hidding and avoiding to provide the documents that are needed to verify their mistakes in the payment status of the tradeline. My rights have been violated and even after putting both parties on notice, they continue to do so. I am entitled to fair credit reporting and equally among every consumer, I feel ignored and discriminated since nobody seems to be able to fix or care ; hoping that I will go away. I have exhausted all my efforts and now reach out to the CFPB to help on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax, XXXX and XXXX XXXX multiple times via certified mail requesting they remove inaccurate accounts.
Product: Debt collection

Earlier this year a initially unknown collections company contacted me in an effort to collect on an unspecified debt. They would not prefer further information without providing my SSN. This sounded very much like a scam even after I asked them for further information about the nature of the debt. I refused to provide my SSN and they never offered to send any sort of official documentation outlining the debt. 

They kept harassing me via voicemails and eventually identified themselves as Wakefield associates collection company. They still refused to provide me any further information or proof of this being an official representative of the company, so I continued to rebuff their request for my personal information. 

I have always been responsible and paid my bills accordingly, so I had no idea what this debt could be. My husband and I are in the process of trying to purchase a house and are in the final stages of closing. I was then made aware in early XXXX that my credit score had been affected negatively by a collections agency. In an effort to remove the negative impact on our credit, we paid the collections company immediately. This uncollected bill turned out to be something from my son 's birth last year that we never received. We moved states around XXXX last year and never received any notice from the hospital. I will likely file a separate complaint about XXXX medical billing. 

This has been very frustrating as I feel that we have been taken advantage of and were not provided any documents ( as is required by law ) to verify this debt. Had we been officially made aware of this situation sooner we would have paid the debt in earnest. The fact that a collections for a medical bill less than {$100.00} could jeopardize our prospects of owning a home has been extremely troubling. I have attached the online paid receipt of the collections bill as this is the only shred of paperwork that we have from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has caused my file to include mixed information and refuses to properly amend it in a timely manner. Their report shows only two addresses, and both are outdatedthe most recent is over 6 months old. The current address of XXXX XXXX XXXX XXXX XXXX previously and correctly appeared on my Equifax report. It is now missing, and I did not make that change. My creditors correctly report my current address to XXXX  and XXXX, as they did with Equifax. 

I have called Equifax twice. They can not authenticate my identity via their primary system, and I am forced to endure a lengthy process with each call JUST so they can file an IT ticket or help in anyway : they refuse to help in any way until Im fully verified. 

Equifax has refused to provide a fax number or electronic means ( web form, etc. ) to expedite resolution ( adding my XXXX address ), and they continue harming me by forcing me to mail documents to them. The delay is harming me because I can not access credit or credit monitoring, among other. The requirement for physical mail is not acceptable, especially since Equifax is entirely responsible for this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

An accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, # XXXX, # XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. 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 a account without my written instructions.
Product: Credit card or prepaid card

My name is XXXX XXXX.  In XXXX  I have been a victim of identity theft and it took several months for me to get an identity theft report and fix it with credit card companies. It was 16 years ago and Chase bank closed my accounts because of that matter.  In XXXX I have applied for a credit card with Chase bank and they informed me that they will not approve me because they put my name in their black list and they don't want to do a business with me.  In XXXX I have opened my business checking account with Chase and I am getting rental incomes to that account every month.  Last month my banker advised me to apply for a business credit card account.  They requested for a call and a representative from Chase asked me so many questions for about 30 minutes and I got finally approved for a credit card with Chase bank.  I have started to use it and today I got a letter from them which says that they are closing my account for previous unsatisfactory relationship with Chase.  I have called they and their representative informed me that he can not do anything and I am on their back list again.  I have excellent credit history since XXXX and I have a lots of money in the same bank checking account for several years.  They are not allow to put me in their black list because of that identity theft matter I had in a past.  Please help me to fix this otherwise I have a to file a lawsuit against Chase bank.Your help is really appreciated.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was 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 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  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: Debt collection

Contacted XXXX XXXX to resolve the amount and was advised to contact the collection agency Springs Oak Capitol LLC. Contacted Springs Oak Capitol to resolve balance owed from XXXX XXXX in XX/XX/2021. 

During my conversation with Agent, we agreed on a settlement payment to clear account for deletion on Credit Report. Payment was made and resolved on XX/XX/2021 and I was advised that details would be submitted to Credit Bureaus to have account removed from credit report. Report was sent to credit bureaus on XX/XX/2021. 

I called Credit Bureaus to request account from XXXX XXXX to be removed as account was paid and no longer owed. Credit Bureaus agents advised that account can not be removed as it shows its still owed to XXXX. I submitted supporting documents to advise of payment for deletion and items still remain. 

The items should be removed as the debit is no longer owed and agreement was a pay for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

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 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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX XXXX RE : DisputedAccount-Notice to Furnisher HardInquiries DearSir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. 

As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or an account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 

I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX
Product: Consumer Loan

My car is financed with Chase, I bought the car on XXXX/XXXX/14 and my first payment was made on XXXX/XXXX/14. I went into XXXX XXXX XXXX XXXX XXXX to open a secured loan and credit card in an attempt to rebuild my credit, the Manager told me the car was not on my credit report and advised me to go contact them to get them to report the car, I went into the XXXX Branch XXXX and they called the credit department with auto and I spoke to someone and he assured me it would be taken care of in no later than 6 weeks, I called after the new year to check on the status and spoke to XXXX XXXX XXXX ext XXXX went thru the whole story to explain, she told me the problem was with XXXX and I was to call them and get it put on the credit report, she gave me all XXXX reporting agencies phone numbers, I called XXXX XXXX and was told it they could n't do anything about it, it was Chase 's responsibility to put on my credit report and they were the only XXXX that could. I called Chase back and spoke to XXXX she said she would look into it and call me back, she called me back and said they could not put the trade line on XXXX XXXX and that they pulled it off of all the bureau 's I did n't know it was on any. So now I requested her manager and was told XXXX XXXX would be calling me, I waited 2 days and no one called me. So I went into the Chase branch at XXXX XXXX XXXX, XXXX, La. XXXX and spoke to XXXX XXXX ( branch manager ) AND explained again she called credit department and after several departments she had to speak with we got XXXX XXXX on the phone the same person that never called me, she said there was something defective with getting it reported to XXXX XXXX, and said Chase decided to pull the remaining agencies. I requested all XXXX to be reinstated and she said it would not because I had requested the Corp Office address of Chase and I could call them.I did tell XXXX that I have never heard of this happening and asked for the XXXX address to report it to and FTC and the Consumer protection agency, due to I pay my loan on time every month and can prove it, I feel as a consumer my rights are being denied.I am a single person trying to rebuild my credit from Foreclosure and Bankruptcy. I am in the process of opening a new business and this is very important to my credit score. This car was bought after the Bankruptcy.
Product: Debt collection

These charges are a result of fraudulent use of my information. I have filed an FTC report with the federal trade commission. I never received any goods or services from these charges. All is being investigated by the FTC.