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

I have been contacting this company for what is going on two months now. I have provided everything requested for my report of Identity Theft/fraud to the first rep XXXX. I have emails as proof and have also called several times. My last complaint was closed by a XXXX XXXX, as she stated she never received these items from anyone. I emailed XXXX on XX/XX/XXXX in regard to this - forwarding her my emails to XXXX. It is now 2 days later, and I have had heard nothing back from anyone. 

The only contact this company sends is payment due - it has already hit my credit report negatively and I was forced to make a payment of {$650.00} in order to keep that from happening again. I am refiling this again, as this needs to be rectified ASAP.
Product: Credit card

Kohl 's has promised to remove a charge several times from my credit card ( have copies of email ) for Incident number XXXX for order # XXXX which occurred THREE months ago. Recently, the decision was made not remove charge ( s ) from Kohl 's account related to an item that I am disputing the purchase of. Requiring me to pay for a police report to remove the disputed charges for an item that was never sent/delivered to me. They are violating my right to get reimbursed for the product they did not deliver to me.
Product: Checking or savings account

Yesterday XX/XX/XXXX I went to put gas in my truck and said my debit card with chase bank was denied. Went to go on the chase app to see why it couldve been denied and it said my account was restricted. I called numerous times why and no one was able to give me an explanation to why. Tried going into the branch and the branch manager wasnt allowing me to withdrawal any money at all and that I would have to wait till after the 10 days of the account closing to receive a final check. Only thing I can think of was I had my girlfriends tax returned submitted to my chase account because she doesnt currently have a bank. I was able to provide anything or details they needed but told me I would just have to wait till my account was closed to receive funds. I also have XXXX pending deposits for Friday XX/XX/XXXX which means if Im unable to get my funds I dont get pains for anything XXXX weeks.
Product: Credit reporting or other personal consumer reports

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, XXXX, Experian ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and experian and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like these fraudulent accounts removed ASAP as this not only hurting my personal score, but hurting my chances of obtaining business credit because fraudulent items was open and is still OPEN on my personal report. Please remove!
Product: Debt collection

I Have a account on my XXXX file number XXXX. I did not open this account 3 years ago. I need proof of date signed and signature for the date in mentioned. If none could be provided under this contract I request it come off my credit report
Product: Credit reporting or other personal consumer reports

I am a id theft victim. i would like these following accounts removed from my file asap XXXXXXXX XXXX acc numbers XXXX XXXX balance {$4900.00} not my account XXXX XXXX XXXX XXXX acc numbers XXXX XXXX balance {$21000.00} XXXX XXXX acc number XXXX balannce {$590.00} not my account XXXX XXXXXXXX acc number XXXX balance {$2300.00} not my account XXXX XXXXXXXX acc number XXXX balance {$12000.00} XXXX XXXX XXXX acc number XXXX balance {$4900.00}
Product: Debt collection

On XX/XX/2020 I received a call from a company called Improved Data Services, LLC out of XXXX, NY. They claimed they were debt collectors for a debt owned by XXXX XXXX XXXX, which bought the debt from XXXX. 

The threated multiple times to sue me if I didn't pay and told me repeatedly the only way I could pay was to provide a card number over the phone. I asked them for something in writing I could send checks to or any other way to pay besides giving a card number on the phone and they said no, and said the company was going to sue me if I didn't pay. I then called the XXXX XXXX XXXX and nobody answered. I left a message noting the phone ca I had received and asking how I could pay. This company IDS or the one they supposedly represent never sent me anything in writing and I was not aware of this debt. This IDS was a bully and aggressive and theatening over the phone. They need to be shut down. When I asked them to send me something in writing, they aend me the attached, which could be from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off XX/XX/2022, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through XXXX : XXXX : XXXX XXXX : XXXX Experian : XXXX According to Fair Credit Reporting Act, the term Investigate Consumer Report means a consumer report, or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate. 

These are clear violations of my federally protected rights. 

Accounts Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Also, I have some personal information that needs to be addressed as well. Can you please in-vestigate and remove these names as well? It should only be as listed at the top of this letter. 
Wrong Names : XXXX XXXX Wrong Addresses : 1 ) XXXX XXXX XXXX XXXX XXXX, MD XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX 4 ) XXXX XXXX XXXX XXXX, MD XXXX 5 ) XXXX XXXX XXXX XXXX, MD XXXX 6 ) XXXX XXXX XXXX XXXX XXXX, MD XXXX 7 ) XXXX XXXX XXXX XXXX, MD XXXX 8 ) XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Wrong Employers : 1 ) XXXXXXXX XXXX  2 ) XXXX XXXX
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. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies 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 vour reference. Mv 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 Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act gives me the right to request the source of information that appears on my credit file.

I submitted a dispute request for the source of information, as permitted under Fair Credit Reporting Act, Section 609 regarding XXXX XXXX  Account # XXXX which is appearing on my Experian Credit File.

I asked the CRA, Experian, to remove this item from my credit report, unless they can provide me with the source of the information, such as an original contract bearing my signature. This is a right that I have per Fair Credit Reporting Act, Section 609.

Experian has failed to properly investigate my dispute.

Experian has updated my file, without properly investigating, while not providing me the information I am entitled to under the Fair Credit Reporting Act. They have listed the item as " remains ''. They are in violation for not properly investigating my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Letters to the person/creditor and they have not abided by what ive requested. 
XXXX XXXX have shared my information without my approval, this violates law 15 U.S. Code 1681 In addition, They have violated my CONSUMER LAW by not giving me the option to OPT OUT from reporting this information to a third party! 
15 U.S. Code 6802b XXXX XXXX account number - XXXX. 
Date opened : XX/XX/2016 via XXXX Please DELETE ACCOUNT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  and sent all documents they required to remove hard inquiries that I do not recognize and not mine. I sent an FTC report by mail I sent police report by mail I also faxed and I have sent my documents to them already and called all companies and sent proof to XXXX and neither companies neither XXXX removed inquiries that I did not authorized neither done by me. I have called them and they said they cant find mail and also they said that I have to send them letter again and always is the same when they should remove all inquiries that are not mine. Here are the inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I need XXXX  to remove inmediatly Innacurate information all those inquiries are fraudulently put in there by XXXX and need them removed. Also please do not authorized any company neither XXXX  to place any fraud alert or freeze without my consent. Please do not place any alerts or anything without my authorization.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX use too much aggressive force on my credit report by running it too many times in their system after The first denial. Day was not supposed to run my credit at all because I had no identification presents at the time. OK So there was no reason to run my credit if I did not have my Florida identification in hand or at all because it is expired at this time. Please remove every XXXX and query of my report from 2024. 
XXXX XXXX XXXX XXXX XX/XX/2024 REGIONAL AC XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX  XXXX XX/XX/2024 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX XXXX XXXX ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Debt collection

I was sent a paper from Messerli & Kramer XXXX XXXX. 
In it had a statement that if I had signed it would keep me from ever suing them no matter what anyone in their company did to me or their future children may do to me. It was a disclaimer so I could never sue them for any reason. I could not sign it. I have a paper copy. I do owe a debt I wish I could pay. I was sent a judgement from the court. I do not have a job so I can not pay this, but this new paperwork ... It 's something that was clearly illegal. I looked their name up online and their are quite a few court cases in which they are the defendant. People are suing them frequently. I can see why they would want to send me this. I normally do not sue people or organizations. I believe in ethics and morals. I do n't believe in this type of behavior. 
Thank you for looking into this. Some people just do not read the entire document. They could do anything to them. That would be horrible. I do n't want anyone to be hurt by them. Please look into this. Thank you again.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that this account is corrected to accurately reflect the payments and that any erroneous information is rectified promptly. In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable timeframe. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness. 

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

I have disputed and corrected information on my XXXX file successfully but I can not get dispute information to Equifax and XXXX. I am trying to buy a home and I need these files to reflect the same or similar to my XXXX file.
Product: Checking or savings account

About a month ago I lost my debit card from Charles Schwaab. When I called to report the card stolen, I was given a hard time from beginning to end. For some reason my account was marked as having something to do with fraud. I again, explained to them that there was no fraud and I had simply lost my card. A few days later I was told that Charles Schwaab was closing my account, and was never given a reason as to why. 

To me this was a very unprofessional and malicious action.
Product: Student loan

On XX/XX/2024 my income driven repayment plan expired. On XX/XX/2024 I received a letter from MOHELA via their website dated XX/XX/2024 informing me what my Auto debt payment would be for XX/XX/2024 under the standard repayment plan. On XX/XX/2024 I received a letter from MOHELA via their website dated XX/XX/2024 informing me that my loans would be placed on Administrative Forbearance effective XX/XX/2024. As such my Auto debt was canceled and the 0.25 % interest rate reduction given to those enrolled in Auto debt was removed. I contacted MOHELA on XX/XX/2024 requesting to be immediately removed from Administrative Forbearance and re-enrolled in Auto debt. I was informed that a request for removal from Administrative forbearance would take 7-10 days during which time my interest rate reduction will remain off. MOHELA also claims they are not responsible for when I received this information ( 4 days after the forbearance was put in place and my interest rates were increased ) as their letter is dated XXXX XXXX ; however as shown in my attachments, the messages on MOHELA 's website and the e-mail informing me of this did not come through until XX/XX/2024 at XXXX and that is the only way MOHELA sends notifications to borrowers. StudentAid.gov continues to show my interest rate as the reduced rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act the following XXXX  accounts are violating my rights. 
account # XXXX account # XXXX 15 U.S.C Section 602 A. States I have the right to privacy. 

15 U.S.C Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I went in to the Victorias Secret store on XX/XX/XXXX. There was a promotion to apply for a VS card and save {$25.00}. I asked the cashier which credit bureau was going to be used because I have a freeze on my credit report and need to call to have it lifted so they would be able to pull my credit report. The cashier said she didnt know and that I should try and if it doesnt go through to call the customer service number. The application stated that it was pending and the cashier gave me the number for customer service. I called the number and explained what was going on. The CSR said that I would receive a letter in the mail with a code that I needed to call and provide to VS. I asked her what would happen since the promotion for the {$25.00} will end on XX/XX/XXXX. She stated that since I applied during the promotional period the {$25.00} will be applied. I received the letter in the mail that I need to lift the credit freeze and reapply for the VS card within 30 days. I called customer service and they are now saying that the {$25.00} off promotion would not be honored and that I would instead be getting todays promotion which is {$15.00}.
Product: Credit reporting or other personal consumer reports

I did not get a response for the 605 ( b ) Blocking Request for the Fraudulent Accounts on my consumer credit report that was sent to credit bureaus over TWO MONTHS ago.
Product: Bank account or service

I opened a keybank bank account with the confirmation from an employee who guaranteed me he entered some code to get me the {$300.00} bonus for account opening and assured me that I should get it if I meet all the conditions. Even after 90 days and meeting conditions way before time, I never received the bonus. One of the things they advertise and do not honor is fraud and I wanted to bring it to federal attention, how keybank rips people off.
Product: Payday loan, title loan, or personal loan

Advance Financial auto drafted around {$2000.00} from our accounts AFTER we revoked their authorization to do so. We can no longer pay our mortgage or our bills. We need help fighting back against this company
Product: Credit card

Im an XXXX XXXX service member and received orders to Louisiana. Request XXXX  Benefits under Louisiana State Law. I have had three separate credit card accounts with Barclays and am submitting three complaints. These are not duplicates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM EXTREMELY UPSET ON THE RESPONSE I AM KEEP GETING FROM AN XXXX  AGENT. I HAVE SUBMITTED MY IDENTITY THEFT REORT, ON THE FEDERAL TRADE COMMISSION WEBSITE, AND THE AGENTS TELLS ME THE FORM IS NOT VALID. HOW COULD IT BE NOT VALID WHEN I ACTUALLY WENT ON THEIR AUTHORIZED WEBSITE AND COMPLETED MY IDENTITY THEFT REPORT. AS A CONSUMER MY COMPLAINT IS AGAINST THE FEDERAL TRADE COMMISSION REPORT PLEASE UPDATE YOUR WEBSITE AND PLEASE LET THE BUREAUS KNOW THAT YOUR FORM IS VALID SO WHEN I SUBMIT MY COMPLAINT IT WILL BE VALIDATED, AS IT IS I AM ALREADY FRUSTRATED ON THE FACT THAT I AM A VICTIM OF AN IDENTITY THEFT, THE ACCOUNTS ON MY CREDIT REORT ARE FRAUDULENT, THE CHARGES ARE FRAUDULENT. THE ACCOUNTS WERE OPENED WITHOUT MY CONSENT.