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

This company is reporting a account on my credit report without my consent, I know nothing about this debt. I sent letters for validation and haven't received anything. I need valid documentation with my signature on a contract stating I'm aware of this debt and I owe this debt. Haven't been provided with anything. My address is on the letters I sent. I haven't received anything. It's been XXXX  days. Please delete from credit report thank you. Your in violation of my rights
Product: Credit card

I have Sony Visa card serviced through Comenity Bank. Sony Visa card program is ending, and auspiciously coinciding with the program ending, Comenity Bank locked my account by putting my credit card to Account Protection so I was not able to use the credit card. I called multiple times to to resolve the issue, and each time redirected to different departments. When I was finally able to talk to a person, I was asked about a few personal details and I was told that the issue is being resolved and give it 4 to 6 weeks. Then I received a request for additional documentation which I provided via email, following the instruction by the letter they sent me and by the person whom I talked. I sent the required documents, four times altogether to two different email addresses. Each time, I called to verify and I was told to wait 4 to 6 weeks, and then, each time ( taking about 2 months ) they gave me different excuse as to why they did not receive the required document. Finally, I received a letter stating that the Account Protection Team is closing my account due to security concerns without specifying what concerns they may have had. This is coinciding with Sony Visa Card program ending, so this may be a malicious act by Comenity Bank to bypass California Consumer Protection Act. The mail notifying that Comenity Bank closed my account due to Account Protection team having concern does not include any reason other than that they had concerns. This is a clear violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a collection account from XXXX XXXX XXXX XXXX with XXXX XXXX XXXX as the original creditor. I have contacted Transunion several times to dispute this information and it comes back as verified. I have requested documents to confirm this and have not received a response. I have also contacted the original creditor listed and collection agency and neither can provide me with documentation to confirm this account belongs to me.
Product: Credit card or prepaid card

The complaint is between XXXX XXXX XXXX & the XXXX Chase XXXX Rewards Card that I hold.

I purchased a vacation through this service on XX/XX/XXXX in the amount of {$5500.00}, charged in full to my XXXX Chase XXXX Rewards credit card.

That purchased included an itemized summary of Flight & hotel. Ground transportation. And a Package Protection Plan.

The Package Protection Plan cost {$340.00} in premium and policy stated on Page 1, the right to change or cancel for any reason prior to the scheduled date ( XX/XX/XXXX ) for a full refund.

I canceled the trip on XX/XX/XXXXover the phone with XXXX XXXX XXXX and was verbally today the amounts of the refunds that I was set to receive. In no particular order, Hotel was to be refunded in the amount of {$2200.00} Ground Transport was to be refunded in the amount of {$300.00} and Airfare was to be refunded in the amount of {$2700.00}. I would stand to lose the insurance premium as expected in the amount of {$340.00} The amounts {$2200.00} and {$300.00} were refunded promptly ; however the amount of {$2700.00} has yet to be refunded, now four full months later.

Calls to XXXX XXXX XXXX XXXX were made at least 10 times. Documented online requests through customer service are available for review on XX/XX/XXXX. Phone calls to offshore agents and elevated to supervisors on staff were made, notably a saved voice mail on my cell phone dated XX/XX/XXXX indicated that I should not worry ( supervisor ) that the refund and confirmed amount of {$2700.00} was being processed.

XX/XX/XXXX - I wrote a letter to the firm documenting my complaint.

Today,XX/XX/XXXX i logged another phone call to a " supervisor '' again being told that the amount of refund was above his authority, but that he was elevating it to the right level to assure me that it was being processed.

Four month 's later, at an interest rate of over 21 % - I am sure that I have paid well over {$2700.00} I am owed this money without question. The insurance policy that I purchased was purchased indeed to protect me from this very issue. Perhaps I also have an issue with the XXXX Casualty Insurance Company, pursuant to policy number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and to let them know they are still reporting inaccurate information on my credit report. They told me they no longer report to the credit report and I will need to dispute to remove the inaccurate off my credit myself. This account is reporting negative information to XXXX, XXXX and Transunion.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX  Account NumberXXXX Account Name XXXX XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 of 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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to CITICARDS CBNA about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, and my name is XXXX XXXX XXXX. My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 there was a fraudulent inquiry made on my XXXX credit report made by ( JPMCB ) JP Morgan Chase Bank Card Services. My identity was stolen. I have know further details other then i attempted to reach merchant and was unsuccessful. i did open a dispute with XXXX but they asked me to reach out to the merchant. i can't get through.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX Balance : {$160000.00}
Product: Debt collection

After calling them and setting up a payment date, the very next day they called my father and left a voicemail disclosing the call was for an unpaid loan. I then called again to try to see if they would work with me after this happened. After disputing the validity of the voicemail, the debit collector blocked my number. I had to call them again from a separate phone to get the matter resolved.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts and inquiries listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX  XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

XX/XX/2020 at XXXX XXXX  ( EDT ) Global Trust Management LLC called my cell phone from a number with the same neighborhood/area code as me. This company is based out of XXXX Florida. The number that called me was XXXX XXXX XXXX XXXX, which uses a XXXX, TN area code. When I called the number back, the person told me they were in Florida. This action is consider fraudulent as they misrepresent where they are calling from in an attempt to trick people into accepting a call they otherwise would not want to accept. I have asked their manager to make sure I am never contacted again, but I felt it was important to report illegal activities that could be occurring on a massive scale. Committing fraud in order to collect a debt is illegal.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX  I tried to obtain my credit report from the Free annual credit website. 
I was able to obtain my XXXX XXXX XXXX XXXX credit report, but not my Equifax credit report. 

Every new year I am denied my free annual credit report by Eqifax cCedit Bureau. 
I have been denied my credit report for the past 14 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2021
Product: Vehicle loan or lease

My husband and I recently separated. On XX/XX/2019, I paid my car payment ( {$620.00} ) out of mine and my husbands joint account. On XX/XX/XXXX, I noticed the payment had been reversed and put back into our joint account. I called Navy Federal Credit Union and found out he had called and reversed the payment. On XX/XX/XXXX, I transferred the {$620.00} to my account ( his name is not on that account and has never been on that account ) and paid my car payment again. When I checked my account the next morning, the payment had been reversed again. This time, the money went back to an account that I do not have access too. Therefore I was unable to get that money back. NFCU told me that since his name was on the loan, that he was entitled to the money on that loan. However, my problem is that when the payment was reversed, it should have never been put into an account other than the one that it came out of. I spoke with a few different people at NFCU and was never able to get this resolved.
Product: Bank account or service

I have a Health Savings Account ( HSA ) with a local bank. Sometime early in the year the bank was sold to another regional bank. I had always paid for my prescription drugs with a check from the Health Savings Account. Since the change to the new bank XXXX of the local drug stores - XXXX and XXXX will now not accept my check from my HSA. At issue is Tele-Check Services which both of them use to validate checks. I talked with the agent from Tele-Check who said that they did not accept checks from HSA accounts. I have used an HSA account for over 5 years before writing checks for prescriptions, doctor visits, etc. Once my bank was bought they returned a few checks and I paid both since they were written on the previous bank check. The bank said that is no issue because they still honored the old check and the account or bank routing had not changed. I am mystified why these drug stores would use a check validation system that is so clueless about HSA accounts. TeleCheck even tried to say it was a XXXX drug company problem. I knew that was not true because they denied it at XXXX also. I am responsible for funding my own HSA so I ended up having to put the cost of medicine ( not cheap ) on my personal credit card which defeats the purpose of having a tax free HSA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth 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 records 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 an alleged fraud or extortion. 

XXXX XXXX Date Opened : XX/XX/06 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. All of my accounts were compromised and exposed to data breach. I initially requested for the fraud accounts and inquiries on my credit reports to be removed and they were but some of them are still on there. Please delete the late payment record from this account : XXXX XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX. This account was stolen and caused that late payment which I just recently discovered. This account involved must also be changed to XXXX XXXX ', which is a revolving account, rather than XXXX XXXXXXXX XXXX XXXX If you can see also, I attached the screenshot of my account and to date and it reports 100 % paid on time. So please, delete the inaccurate information from my credit reports asap. I refuse to accept any inaccuracy on my credit reports. I also need your help in deleting these fraud inquiries XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX  - XX/XX/XXXX. I have attached my FTC report and IDs. Thank you for your support.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and notice an account is not reporting accurately. i have made payments on time. my XXXX is showing paid on time but my Experian and XXXX is showing late payments. please update all late payments to " paid on time '' or " Ok ''. with my XXXX XXXXXXXX XXXX credit accounts
Product: Credit card

I applied online for a unlimited cash rewards card with Bank of America on XX/XX/2024 the representative told me I was approved and they would send the card out in XXXX business days on a recorded line, Bank of America had access to a passport on file from a old account which has my picture on it and the very next day blocked the new card from being sent out according to a customer service rep on a recorded line when i called on XX/XX/2024, Bank of America saw i was XXXX XXXX on the passport information and it triggered a manual review of XXXX form and income verification as if i were buying a vehicle, I was told I could not use my household income which i rely on with my spouse because im XXXX and that they can only use a check stub and income tax information which im not required to file to process the application, these actions by Bank of America are very discriminatory , after a hard pull of my credit I am eligible for this card but due to XXXX  I was flagged as if im a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft. I notified Equifax of this unauthorized account that was opened fraudulent. Ive provided Equifax with police report in XXXX XXXX also XXXX an affidavit in XXXX. Ive filed several disputes. Equifax continues to report fraudulent information on my credit report. The name of this fraudulent account is XXXX XXXX XXXX ( a debt purchaser ) with the amount of {$18000.00}. This company purchased this fraudulent debt from XXXX XXXX XXXX XXXX. This fraudulent account is on my credit report under collections. Ive suffered for 5yrs unable to buy a home or get other credits because of this fraudulent account & other fraudulent accounts Ive disputed. Im XX/XX/XXXX, I was impacted by the Equifax data breach. My identity was stolen and I was not reimbursed for time loss & money spent from the approved settlement. I suffered 5 years ( XXXX hrs ) from this impact. Because of time spent to get items removed, being denied credit, spending more out of pocket costs because of poor credit due to fraudulent accounts opened after data breach.
Product: Mortgage

The only way to obtain essential document is thought a fax machine. I do not have a fax machine all of my documents are via e-mail. This mortgage was obtained from XXXX XXXX XXXX just over a year ago. Carrington Mortgage Service will only allow changes to the Escrow Account or PMI with these foams.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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

It appears that 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 the 3 credit bureaus 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX If the credit bureaus feel there is a possibility these items 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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

on XX/XX/2021 written to XXXXXXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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: Debt collection

LVNV Funding LLC representing XXXX XXXX  My account with XXXX  XXXX  was closed and paid off in full more than 10 years ago. 
I never paid attention since this account was paid. Then, i saw this company flagging my credit bureau and decided to investigate. It resulted to be XXXX  XXXX collection agency that also keeps adding a new date to the credit bureau to make it seem as more current. 

I tried to talk to them, I asked them for the original bill from XXXX XXXX, to which they did not provide of course. 

This company XXXX XXXX had a lot of problems and complaints for the same reason. They have been reported to XXXX XXXX XXXX for Scam and lots of customers complain to the same issue : they always add extra fees ( not owed ) to customers that have recently closed their account, and when they try to fix this problem, they refuse to answer them and automatically send to this credit collection company to start messing customers credit and in a way scam people to pay the late fees that they never owed in the beginning since their acts were closed before. 

I am sending you a copy of my last bill, please note that they kept sending me these bills, even after i attempted to close the account without owing them any money. The fees they are adding there don't belong to me : they added some late fee for the account that was closed without a balance, they try to charge you {$35.00} for the account whether you use it or not ..., in top of that you can see some of them are annual fee and they even claim interest on these late fees that they come up with to take money from you. 

Please help me with this, ,this has been going on for years and I am not getting anywhere with these collection agencies who in some instances have tried to put duplicate information on my credit bureau to make it look like a different account. I had the duplicate information removed from the credit bureau. 

On my other credit bureaus besides XXXX  I am not having any issues. 

Thank you very much, XXXX XXXX XXXX