23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

1. Credit card previously issued for XXXXXXXXXXXX XXXX XXXXXXXX ( issued by Comenity Bank ) 2. A charge in XXXX, XXXX that I never received a bill for and I have always received paper statements on this account in the past when I used it. I that I have not used this card since XX/XX/XXXX. 

3. I received a call from Comenity Bank and I called them on XX/XX/XXXX. I spoke to XXXX XXXX. XXXX told me I had a balance of {$370.00} and come change that was charged in XXXX, XXXX. I told him I had not used the XXXXXXXX XXXX XXXXXXXX card for several years. I used this card for XXXXXXXX XXXX XXXXXXXX purchases only. The card has XXXXXXXX XXXX XXXXXXXX name on the front of the card. XXXX said he would give me a full credit within a couple of weeks and would do research on this. I also told him to close that account. However, I received a bill on XX/XX/XXXX with a balance of {$410.00} to include a XXXX late fee. ( see attached statment ) 4. I have not purchased anything from XXXXXXXX XXXX XXXXXXXX since XXXX as the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX * as it closed. 

XXXX. On XX/XX/XXXX, I called Comenity Bank Fraud Department and spoke to XXXX. She said she could see the last balance I had was paid off on XX/XX/XXXX and my account there was a balance of XXXX. I have the credit card I used and it is a XXXXXXXX XXXX XXXXXXXX card issued by Comenity Bank ( which I never realized as my statements came to me through the mail from XXXXXXXX XXXX XXXXXXXX ). XXXX assured and convinced me that this was taken care of at that time by her. I have not been issued any other card and have not charged anything to the old card plus I have not received any paper statements until after I spoke to XXXX and XXXX. ( see attached statements ) 6. XXXX said she was closing out the account on XX/XX/XXXX. She said I would receive a letter stating this and it would show a credit and there was nothing I needed to do. She said I would receive XXXX statement and then another statement showing this was closed out and would have a XXXX balance. She also said she would notify the credit bureaus. I told her I did a credit freeze and a dispute with XXXX Credit Bureau which I did. XXXX told me to contact the other credit bureaus too which I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor/ " debt collector '' has failed to adhere to Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt. 

Please remove the alleged debt for the credit/ " debt collector '' has violated my rights
Product: Credit reporting or other personal consumer reports

To whom it may Concern, I would like to file a complaint against this company. Back in XX/XX/XXXX, my car got repossessed for nonpayment. Which was financial issues. Anyway, I paid them {$4000.00} and that was to cover the months that I have missed and all the other fee 's that I was told that were included. Then in XXXX of XXXX, I was told that I had to pay more fees and this company couldn't justify that. They said that I owed more fees. So looking at my payment history I have made XXXX payments. with a total of {$31000.00} However, looking at my credit report they haven't reported anything to the 3 credit bureaus since XXXX of XXXX. 

I have asked the company why they aren't updating anything and they said you haven't made any payments. I stated yes I have and I have proof. It might not be all of it but 1/2 of it as I am paying for other expenses like medical bills, rent, and so on. So I got really suspicious and started to do my own investigation. 
This is what I paid according to them : XXXX XXXX XXXX XXXX : XXXX ( on XX/XX/XXXX I gave them {$1000.00} ) XXXX  {$650.00} XXXX {$710.00} XXXX skipped XXXX {$650.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$500.00} XXXX {$500.00} XXXX {$600.00} The total for the year {$7000.00} is what they are saying I paid however what I paid to them is {$7600.00} up to this point and I have documentation to prove what I sent them. So each year its {$7800.00} total for the payments on my car. So according to their statements, it's saying late charges of {$280.00} then other charges of {$86.00} which they can't justify what the other charges are for. No one in their department can say that. I want to file a complaint because of the incorrect information on my credit report. If you look at the credit report it states that I owe XXXX when I look at my account it states I owe {$18000.00}. I can't refinance the car because the companies say they blocked me from refinancing the loan. 

I have been lied to and threatened by these people in voicemails. They call and harass you all hours of the day when I tell them I work the XXXX shift I can't talk as I am sleeping most of the day. They said so we will still call. Overall the payments I have made so far is {$31000.00} when I add all my payments up. I just want answers as to why they aren't updating my credit information. Fair is fair and even tho I am making payments you are supposed to report them to all the credit bureaus
Product: Credit reporting or other personal consumer reports

i am in disagreement with the accounts listed below which still appears on my credit report .even after your investigation .i would like these items re-investigated the inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX ACct # XXXX In Accordance With The FCRA, Public Law 91-506, title VI, section 611 15 USC 1681 Please provide the names and business address of each individual with whom you verified the information above so i can follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Credit reporting or other personal consumer reports

Due to unforeseen circumstances and financial hardships, I feel behind on my obligation with attached debt. The referenced account was charged off and should qualify as cancellation of debt, which requires the creditor to issue me a 1099C for tax reporting purposes.

I've made attempts to contact the creditor to obtain my 1099C form for tax filing purposes and it has not been recieved, nor has there be any response to my notification. I request that this debt be removed from my credit report, as it shouldn't show a balance considering the creditor as received a tax write off due to charged off status.
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 

XXXXXXXX XXXX # XXXX -BALANCE {$5000.00} - DATE OPENED XX/XX/XXXX XXXX # XXXX XXXX {$160.00} - DATE OPENED XX/XX/XXXX XXXX # XXXX -BALANCE {$3900.00} XXXX # XXXX -BALANCE {$4200.00} XXXX XXXX # XXXX -BALANCE {$510.00} - DATE OPENED XX/XX/XXXX XXXX XXXX # XXXX -BALANCE {$220.00} - DATE OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX -BALANCE {$21000.00} - DATE OPENED XX/XX/XXXX XXXX XXXX XXXX # XXXX -BALANCE $ XXXX DATE OPENED XX/XX/XXXX XXXX XXXX # XXXX -BALANCE {$3700.00} - DATE OPENED XX/XX/XXXX XXXX # XXXX -BALANCE {$2400.00} - DATE OPENED XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX -BALANCE {$7800.00} - DATE OPENED XX/XX/XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX {$5800.00} - DATE OPENED XX/XX/XXXX XXXX XXXX XXXX  # XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX  XXXX XXXX # XXXX -BALANCE {$61000.00} - DATE OPENED XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX # XXXX -BALANCE {$14000.00} Unauthorized Inquiries : XXXX XX/XX/XXXX
Product: Debt collection

I suffer from identity theft in 2013. 
XXXX XXXX XXXX disputed the charge off due to identify theft. 
Cach LLC is now suing me froze money from my bank and now has debited my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have been getting calls and letters for credit accounts that I did not authorize. Some criminal has used my personal information to open credit accounts that I did not authorize. To open these fraudulent accounts banks accessed my credit profile and created unauthorized inquiries on my credit report that further defiles my credit profile. This criminal activity has caused me and my family extreme anguish as we try to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6000.00} XXXX CARD XXXX Balance : {$14000.00} XXXX BANK XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance : {$0.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX DPT ED/XXXX XXXX Balance : {$0.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$0.00} XX/XX/XXXX Chapter XXXX Bankruptcy Reference # : XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Navy federal has put in the system that i owe them {$100000.00} I never EVER applied for no loan I've never had no unsecured credit card with them and every time i get in contact an employee tells me their working on it and always ends up hanging up. 
- i found notice of this when i tried to apply for a bank account and they told me that i owe never federal {$100000.00} this is FALSE this is stopping me from growing and getting jobs something i know nothing about. 

2. Navy federal is falsely reporting a debt that i do not owe. I got a secured credit that i put {$5000.00} down of my own money. they end up closing my account in which that money that i put down would be used in collateral to pay off the credit. MONEY that i never got from navy federal in the first place i put with my own money. 
- They reported the SECURED credit card as a UNSECURED Credit card on my credit reporting file i have proof, they are reporting untrue things that is extremely bringing down my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX performed a full credit report and I notice a couple fraudulent accounts reporting on my credit report.I never did business with any of these companies and I also noticed wrong addresses I never resided.I also received information it was data breach and my information was found on people finder, etc images are attached. Identity report are also attached. The accounts that are fraudulent are XXXX XXXX account XXXX date open 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
Product: Debt collection

I have already resolved the issue with the company I rented from. They also accused me of being XXXX XXXX and that I lived XXXX XXXX XXXX I am not this person nor have I ever lived at that apartment complex.
Product: Debt collection

On XX/XX/XXXX received a letter from XXXX XXXX XXXX stating that I have a loan with them and to summit a payment but there is not payment amount or loan amount. I contact and spoke with XXXX I give her the account number XXXX and I told her that I never open this account. I ask her when this acct. was open she said that was open and XX/XX/XXXX but she wo n't give me the loan amount or information. She also told to send a letter to XXXX XXXX XXXX XXXX to dispute the account because was due to Identity theft. Today XX/XX/XXXX I called golden valley and spoke with XXXX and explain what happened he verify the account of total of {$1200.00} I told him that was not me, the person that open that account and needed to dispute all charges because he wo n't give me any information of that person that open the acct. 
I called XXXX to verify my report and they said that XXXX XXXX XXXX summit 2 inquiries. Also Today XX/XX/XXXX XXXX XXXX XXXX XXXX   called to collect the debt. I told him that my that spoke with him in the morning and told him that my identity was stolen and already file a police report and he said collections will continue and hang up.
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY CHECK MY CREDIT REPORT AND I FOUND THIS HARD INQUIRY THAT I HAVE NEVER AUTHORIZED ROUND XXXX XXXXXX/XX/year>
Product: Credit card

My private information was stolen and a Gap Good Rewards Mastercard was opened through Barclays Bank without my consent on XX/XX/XXXX and a fraudulent charge was made for {$800.00} on the same day. I was out of the country at the time and later received a billing statement from Barclays. I immediately called Barclays fraud and reported this explaining that i did not open the account and was also out of the country. They opened a fraud claim and i heard nothing until i received a letter dated XX/XX/XXXX that they determined the account valid after an " investigation. '' They are now requiring that I pay for the charges including interest. I had my social security number stolen back in XXXX and dealt with many fraud departments but have never experienced a denial on such an obvious account of fraud. I have included below the transaction and correspondence from the card in question along with another fraudulent attempt to open a XXXX XXXX XXXX card on XX/XX/XXXX.
Product: Debt collection

I made a dispute about this alleged debt Aldous and Associates were trying to collect from me, but this company did not respond within the XXXX days time period to investigate my dispute to resolved my complaint ; Therefore, I demand this company removed this collection off my report or I will sue this company with clear evident I can prove to the court that this company violated my consumer rights under section 809 and 15 usc 1692k ( a ) ( 1 ).
Product: Credit reporting or other personal consumer reports

I am submitting this new complaint due to the results from the last complaint and the error was not corrected. I am submitting this in hopes Of XXXX XXXXXXXX  to reverse late fees that were being reported on XXXX XXXX XXXX- XXXX XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ), XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have a great payment history with XXXX XXXX  and do not recall ever being late. XXXX XXXX is reporting XX/XX/XXXX and XX/XX/XXXX as both being 30 days past due with is inaccurate reporting. It is the duty of the CRAs to ensure all information is being reported correctly. 

Furthermore, the CRAs stated the company sent proof that the payments were accurate and verified which I have yet to receive any documentation and or proof. I am hoping I can resolve this matter with XXXX XXXX. As a courtesy I am asking that the late payments be reversed as paid as agreed and they are hindering me from getting approved for other credit.

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b 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.

You have failed to follow the laws and provide proper documentation in regard to the validity of these late payments. If I can not get these its reversed to paid as agreed my next course of action will to submit a complaint with the attroney general.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ignores all my certified mail correspondence for debt validation so I can follow up they have been reporting the following items erroneously. These items are included in my identity theft report also. But company ignores all fcra laws. Also my privacy was violated I never gave anyone permission to furnish my personal information not written nor verbal. They are in violation of my privacy right according to U.S.C 1681 section 604A section 2. 

1 ) XXXX  2 ) XXXX XXXX  3 ) XXXX XXXX 4 ) XXXX XXXX XXXX  5 ) XXXX XXXX coll 6 ) XXXX XXXX 7 ) XXXX  8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of unauthorized inquiries which do not belong to me or were opened without my permission. 

XXXX INQUIRY : XXXX XX/XX/XXXX EXPERIAN INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions. 

I contacted XXXX XXXX XXXX on XX/XX/XXXX at XXXX to inquire about an account that was closed XX/XX/XXXX. I spoke to XXXX rep with XXXX XXXX XXXX  and he stated after the account was closed and charged off XX/XX/XXXX he then stated the company was charging the account {$30.00} for 8 months after the account was closed. he then transferred me to a senior account manager by the name of XXXX. She repeated the same think XXXX stated I corrected her and said Im seeing a {$39.00} late charge on this account and was charged for 8 months after the company closed the account and charge the account off XX/XX/XXXX on the call with mark i did inform him I was recording the call also since his company was recording the call. I informed him it is a against the FCRA to charge clients on a closed account. XXXX transferred me to another Senior account manager name XXXX. XXXX hung up when the call started she did not inform me the call was being recorded. I did inform her I was recording thats when she tried to say the call was being recorded and said I dont agree to you recording my call. She hung up saying i do not agree to being recorded. I advised her its against Consumer Law to charge late fees to a closed account. They refuse to validate the account. This company is reporting inaccurate information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account for XXXX and XXXX of XXXX. Consumer reporting agencies have become extremely instrumental and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for payments on this account XXXX XXXX XXXX XXXX account number XXXX, Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorize or recognize please delete
Product: Credit reporting or other personal consumer reports

I asked for a copy of my original contract showing me having an account with them and I have yet to receive anything in regards to the account.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made a phone call to Transunion customer service first regarding a collection account still showing on my account that was paid off, they put a dispute in & werent really much help. 

Also during the call I requested that inquiries that were added back to my report be removed & the representative asked me to dispute the information again. Ive been disputing this for months & Transunion hasnt removed a thing from my report. Its almost as if they want to keep me in a cycle of bad credit. Here is a list of the inquiries I need removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX. I do not have a contract with the collection agency. XXXX did not provide me with the original contract as requested. Credit reporting agency did not verify contract.