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

I have a Keybank account and 3 XXXX accounts that were originally managed by XXXX, that first went delinquent in XX/XX/XXXX. I have tried to dispute this 3 times with the credit bureaus XXXX  and XXXX  and Keybank/XXXX  directly. Keybank and XXXX is trying to say that my account first went delinquent in XX/XX/XXXX. XXXX  originally had these accounts and sent it to Keybank and XXXX in XX/XX/XXXX because it was delinquent and charged off in XX/XX/XXXX. This however, is not the original delinquency date. They are trying to say that I was in deferment but these loans did not qualify for deferment. I have submitted my credit report showing the negative reporting since XX/XX/XXXX. I have submitted the payment history. I even submitted the collection agency and payments I made to them. These accounts are over XXXX years old and need to be removed from my credit. Keybank/XXXX  is refusing to remove it. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB complaint to request that the Credit Bureaus delete the following disputed erroneous accounts and information that were never corrected nor updated by the Credit Bureaus! I have read that under the FCRA section 609 and 611 that the Credit reporting Agencies are required to reinvestigate and provide copies of proof of verifcation per consumer 's request and update, correct or delete any erroneous accounts and information from a consumer 's Credit report. I previously been sending multiple letters adressed to the Credit Bureaus requesting that they correct and update any accounts reporting to be inaccurate or provide me copies of information to verify the accuracy and authenticity of the disputed accounts and yet they have failed to do so. I am now submitting this complaint to request the immediate removal of the following accounts completely from my Credit Report : DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXXXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXXXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXXXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXXXXXXXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXXXXXX   XXXX Balance Owed : {$0.00} DEPTEDXXXX   XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00}
Product: Checking or savings account

I was locked out of my online account for two checking accounts with one debit card with the reasons stating Im a risk factor when I was returning there request of suspicion of activity Ive printed all emails and have tryed to understand the stamens and transfers and they refuse to explain or follow any laws and policys of banking laws in ca they kept my account open with no way of me having access till XX/XX/XXXX and I was locked out XX/XX/XXXX did not received any stamens till XXXX this year and all my disputed along with police report have been ignored and Im getting emails about accounts being opened and my card. Being used on a closed account. Please help me
Product: Checking or savings account

I have not received my tax document from Bank of America. The bank froze and deleted my account in XX/XX/2021. 

The checking accounts # include : XXXX XXXX I need these for my taxes. By law, they have to send them to me.
Product: Credit reporting or other personal consumer reports

These inquiries are not mine. I did not authorized these companies to get me inquiried. They did not asked me or so whatever!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$200.00} XXXX  XXXX {$9400.00} XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ran a inquiry on my credit report without my knowledge I would like to remove it immediately off my credit report, XX/XX/XXXX XXXX  ran a credit check on my report XX/XX/XXXX XXXX XXXX account open I would like to remove the open account and remove the inquiry on my report
Product: Debt collection

I received an email from XXXX XXXX on XX/XX/XXXX notifying me of unusual activity on my credit reports. I checked my account and saw multiple debt collections from agencies in XXXX. 

I see XXXX XXXX XXXX opened an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I see PRO COLLECT opened an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I submitted a dispute through all credit Bureaus on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX was removed from my credit report. On XX/XX/XXXX I received an update on the dispute where XXXX XXXX was removed and PRO COLLECT was verified and updated. I called PRO COLLECT on XX/XX/XXXX to further dispute the collection account and I was told to file a police report and email the police report and my ID to XXXX 



PRO COLLECT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent out debt validation letter for multiple accounts listed on my credit report on XX/XX/2021. I sent the letters to address listed for Profit Services Group on credit report. They did not accept or pick up my letters and they were returned to me 30 days later.
Product: Debt collection

Due to unforseen circumstances that have lead to involuntary hardship, making it difficult and impossible for me to repay this debt and other debt obligations. I am providing you a copy for evidencing purpose, reciept of my XXXX XXXX XXXX so that you may review my circumstances and take appropriate action on account that is uncollectable debt. My situation protects me as a person on XXXX XXXX XXXXXXXX from having my income garnished by a creditor for the purpose of debt collection for private debts like credit cards. The reporting of this collection account to all three major credit reporting bureaus as a XXXX XXXX XXXX further puts me in an even more serious financial hardship crisis. 

Due to rising cost of living expenses, rent, utility, gas, food and especially car insurance premiums and other unforeseen financial hardship there is no way possible for me to satisfy this debt and other debt obligations. 

Please see attached documents regarding XXXX XXXX XXXX recipients and ( FDCA ) laws protecting XXXX XXXX XXXX recipients from Garnishment of this benefit income, making account debt uncollectable.
Product: Vehicle loan or lease

I was told my interest rate would be around 4 % with I first began applying with Wells Fargo. Once the loan was processed I came to find out that the loan was instead set to a 7 % interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the third party in many occasions to provide proof of any documentation of accounts I'm disputing be sent over to me. I haven't got the right proper response ever since the investigation.
Product: Money transfer, virtual currency, or money service

Venmo froze my account after I tried to link my bank account with XXXX  XXXX to withdrawl my funds. I continue to ask why its frozen and have submitted all requested documents to have it unfrozen and I get no answers as my money sits in Venmo unable to be spent or transferred. Each time I ask they said theyre escalating to a special team and I never hear anything back. They are holding my own funds from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX5 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 COLLECTION ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX. I XXXX XXXX XXXX HARD INQUIRIES : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SOFT INQUIRIES : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Inquiry XXXX XXXX AUTO FINANCE Promotional Inquiry XXXX XXXX XXXX XXXX  Prequalification for Credit Card XXXX XXXX  XXXX XXXX XXXX to XXXX Report XXXX XXXX XXXX XXXX Promotional Inquiry XXXX XXXX, XXXX Direct to Consumer Report XXXX XXXXXXXX XXXX XXXX Promotional Inquiry XXXX XXXX XXXX Prequalification for Mortgage 10. EQUIFAX INFORMATION SVCS Automated Consumer Interview System 11.EQUIFAX INFORMATION SVCS Automated Consumer Interview System XXXX XXXX Account Review Inquiry XXXX. XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/scrub>XXXX 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile.

I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze.

I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Credit card or prepaid card

I opened the XXXX 's account XXXX, the credit limit was {$1100.00}. On XXXX the account was closed due to the fact that XXXX 's closed. I had around {$900.00} on the card, since then I have paid atleast the minimum due and my payment continues to go up. I called to resolve this they said there was nothing they could do. How can your balance owed continues to go up when the account is closed and the card can't be used? The balance on the card is now {$1300.00}. I have never been late on a payment. I feel I should not owe what they have charged to my card once the card was closed and payments were being made. Thank you for your help in this matter.
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. XXXX Bank ; # 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 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

XXXX was asked to check for proper procedure used in placing net credit placing late payment 's on credit when the first pay missed was marked XXXX days late which is incorrect. Incorrect information on the credit report should be deleted from the report if incorrect according 15 usc 1679c. I was denied credit because of this and asked experian to look into this and the investigation came back verified when an complete investigation was never made.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was removed and put back on ftc violatons
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account which is roommate got my identity information I was not aware of. which is causing my credit report to go bad. also, I asked the company to show me the proof of paperwork and they failed to provide it. and that's why I need your kind concern to resolve it. thank you.
Product: Debt collection

XXXX debt collection company has been spam calling my phone from hidden numbers and blocked numbers. Ive asked for proof that the debt is mine and belongs to me which I have yet to receive from the company via email and phone. When they sent their first email I requested to not be contacted any further. Theyve been contacting me via email and phone claiming that I owe over {$600.00} to them from my Ulta card. My card had been used to purchase items that never were successfully delivered to me, therefore I am requesting proof of purchase since all deliveries required signature on delivery. I am willing to pay the fees if the debt can be proven as mine. 

But I do feel this company XXXX and Ultas Commenity bank has been repeatedly harassing me and XXXX  have even threatened me with various deceptive and false statements such as telling me they would have my wages garnished had I not worked to pay them or came to an agreement with them. XXXX  was very difficult to work with and come to agreements with .The company continually has violated FDCPA. Their means of communicating and contacting are very abusive, harassing and oppressive. When it was expressed that I was having a difficult time following and understanding the workers were very hostile and rude. They did not politely help me come to an understanding of what was being asked of me. In fact, when I asked questions the workers would get angry. They stated calls were recording so hopefully it can be reviewed for quality purposes.
Product: Checking or savings account

about a month ago I lost my phone and Wallet on. A trip to VA. Someone found both and began using my phone, apps, and bank accounts as if they were me. I returned home and reported it to chime. Altogether the money stolen from me was just under {$2000.00}. I disputed the charges ; I was told it had to be done in XXXX parts since some charges were still pending. They denied my claim twice- I provided a police report which verified that fraudulent activity had taken place ; they reopened the disputes then credited me for the first part for {$640.00} and then I was told that Id be receiving the next part which was {$1100.00} on XX/XX/XXXX. Last night I received an email stating that my dispute was denied which doesnt make any sense because although it was done in XXXX parts, it is still XXXX dispute so to approve XXXX of it and not the other half makes no sense its all the same situation. It was all done by the same person, not to mention the police verify this in the police and even arrested and apprehended someone, how can they say the police are lying if someone was arrested for committing his crime and fraudulent using my account who is chime to say that are lying? They are extremely unprofessional and hardly speak XXXX. I keep getting misinformation from everyone I speak to which seems to be someone from a different country every day. Nobody knows anything. Nobody understands what youre saying nobody needs to help you and when you speak to Supervisor, it doesnt make any difference either for the past few hours Ive been trying to reach a supervisor on the dispute side and every time I request a supervisor I get put on hold and they hang up on me. This literally has happened XXXX times in the past XXXX hours, so I know its purposely done. They are so unprofessional its disgusting at this point theyre robbing me of my funds that I need my money back. Regardless of the outcome of this claim they need to have their rating dropped for the way theyve treated me its horrendous
Product: Checking or savings account

I, XXXX XXXX, hereby appeal my Chase bank which account number is XXXX, has charged the insufficient funds fee without my permission, thereby I request the following charges to be refunded. Here is a list of the total amount is {$1400.00} on 43 items each {$34.00}. 
XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00}
Product: Credit reporting or other personal consumer reports

Hi Experian, I just checked my credit report today and can not believe what I see. I found this fraud XXXX XXXX credit card opened on my name without my knowledge. I never have any correspondence or any ideas how this fraud account was opened. I called XXXX XXXX and spoke to the fraud team who team I have the right to have to fraud credit card account delete from my credit report. I would like to exercise my right to have this fraud credit card collection account delete from my credit.
Product: Credit reporting or other personal consumer reports

I request the immediate removal and blocking of unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I have no information regarding their source. As per USC 1681g, I formally ask for their removal within 15 days. Please find the enclosed documents for your reference
Product: Credit reporting or other personal consumer reports

After reviewing my copy of my credit report, I've noticed an account that was not reported accurately. My report showed a late payment that was actually paid on time. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of information contained in credit reports. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date in question XX/XX/year> I'm requesting an investigation into the below account and update these payments to paid on time immediately. 

Thank you for your prompt action. 

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

After communicating with XXXX XXXX from XXXX XXXX  XXXX XXXX XXXX XXXX team XXXX days later. He sent me over a contract with the signature that is NOT mines also the address is incorrect. This erroneous contract did not have my apartment number on the contract the debt they claim I owe. I tried telling them that multiple times to delete this invalidate dept from my credit report neither creditor or XXXX, XXXX and TransUnion failed to comply. I wanted this account deleted my account immediately after I realize its on my credit report in addition of these agency is in violation of 15 USC 1692g.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX ; XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXXXXXX XXXX XXXX Balance : {$640.00} ; XXXXXXXX XXXX XXXX Balance : {$20.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 XXXX XXXX XXXX XXXX