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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX  XXXX, MN XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ; XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$990.00} ; I XXXX XXXXXXXX Balance Owed : {$3000.00} ; ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

I received a medical collection bill in  XXXX  addressed to  XXXX   XXXX , I contacted  XXXX  on  XXXX  and spoke to  XXXX  who advised they need to resubmit the bill as  XXXX   XXXX .   Since then I have received several calls from  XXXX . When I mention the bill needs to be resubmitted they say it was resubmitted, however the bills they send me still say  XXXX   XXXX .   On  XXXX   XXXX ,   XXXX   around  XXXX  I faxed a copy of an E.O.B advising  XXXX  that this bill was paid. Fax was sent to  XXXX ,  XXXX  and  XXXX  On  XXXX   XXXX    XXXX  , around  XXXX  AM my husband spoke to  XXXX  who advised it would take 3 days to processif it had been received.   On  XXXX   XXXX , around  XXXX  my husband called back to confirm receipt, she spoke to  XXXX   XXXX  who advised him to call back on  XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX never been late 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 XXXXXXXX XXXX Account The accounts above have been listed on my credit incorrect. The accounts have been reported to the Federal Trade Commission ( FTC ) as a result of identity theft, and I am formally notifying you that these accounts was opened fraudulently and is not my responsibility. I did not authorize or open the accounts and I have taken steps to resolve this matter, including filing an identity theft report with the FTC and law enforcement. Under 15 U.S.C 1681 c-2, the Fair Credit Reporting Act ( FRCA ) provides that if a consumer reports fraudulent activity, they are entitled to a prompt and fair investigation and any fraudulent information must be removed from their credit reports. As I have filed a formal identity theft report.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.

The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
Product: Vehicle loan or lease

On XX/XX/2021 I was pressured by dealership to buy more cars due to the fact they ran my credit without my authorization 50+ times and I had approval from XXXX bank they insisted I dont let the approval go to waste and use them all. I said it didnt make sense financially but they used high pressure sales tactics and mislead me to believe that i was essentially required to do so. I sent out a letter of rescission, a list of my right that was violated, and asked for debt validation. certified mail said the letters was delivered but still no response
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX : {$460.00}, XXXX XXXX Balance : {$260.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After examining my credit report, I've discovered several unauthorized accounts that have adversely affected my credit standing. I am deeply dismayed by your assumption regarding whether I've been a victim or not. Your authority or legal standing to make such claims is nonexistent. I firmly assert that these accounts are a consequence of identity theft and demand swift attention and resolution. 


I wish to clarify that I have neither initiated nor authorized the accounts listed on my credit report. These accounts have been opened fraudulently, without my knowledge or consent. To address this issue, I have taken the necessary steps to report the suspected identity theft to the relevant authorities, including filing reports. I have also attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of these accounts and take appropriate actions to remove them from my credit report, as they are not the result of any legitimate transaction or credit application made by me. 

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

Hey there! I originally saw a personal loan amount of XXXX XXXX  from XXXX XXXX on my credit report in XXXX of last year. I have disputed non stop with all credit bureaus, called the loan company that has used my information fraudulently to open an account under my information. It had dragged my credit down from a XXXX to now a staggering XXXX. It is effecting my life and I have had to have my mother co-sign to finance my vehicle after my lease. The whole point of my lease was to build my credit. Oh well. I have disputed with all Bureus and identitytheft.gov, and through some research I have found yall. Whoever this person is has closed the account and now has apparently paid some of this loan off. XXXX also temporarily closed the account after my first dispute. My credit went from XXXX originally, to then a XXXX on the first drop. I noticed the fraudulent account, disputed and boom back to XXXX. I thought okay maybe transunion is helping me then next month or so huge drop to XXXX. XXXX points. Then XXXX, now XXXX. This is just a nightmare of an experience. The pics I provide will show the drops and whatnot.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX, Upon reviewing my credit report I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of address for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT these items be removed off my credit report effective immediately as the items listed below are inaccurate and it is illegal to report inaccuracies to a consumer credit report. I will also like to remind you of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX Equifax Information Services LLC XXXX XXXX ) These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collector 's word. Please be sure to send me the results of this request. 
Thank you. 

Account Name XXXX XXXX  Account Balance XXXX $ Date Opened XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account XXXX XXXX $ Date Opened XX/XX/XXXX Account Name XXXXXXXX XXXX Account Balance XXXX $ Account Opened XX/XX/XXXX Account Name XXXXXXXX XXXX  Account Balance XXXX $ Account Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Account Balance XXXX $ Account Opened XX/XX/XXXX XXXX XXXX XXXX
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 : XXXX 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, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$220.00} ; ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance Owed XXXX {$68.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I opened an account with Huntington Bank on XX/XX/year> it's called Perks Checking. 
The bank had Promotion Bouns If you open this account, you will receive {$400.00} Bouns if you have total Qualifying deposits in the amount of {$500.00} a month within 90 days.

I called the bank today to ask about the status of my bonus and the said you not qualified because you opened another XXXX  free checking account in the week before. In the guideline it did not mention that i should not have another account opened with them. 
The bank used false advertising to get customers to open bank accounts and they didn't pay what the promised
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

Without fail, I've maintained timely payments on this account, preventing any instances of overdue payments. The rationale behind the inclusion of late payment remarks on my accounts eludes me. In accordance with 15 USC 1666b - Billing Error, any inaccuracies should be addressed promptly.
Product: Money transfer, virtual currency, or money service

A money service was sent to a person in XXXX to a personal Bank account but the associate from the DolEx booth included a wrong digit in the bank account number and was sent to the wrong bank account. I went back to the XXXX location that same day XX/XX/2020 to inform them there was an error and the associate informed me that she would send in a cancellation notice and asked me to return the following day XX/XX/2020. Today when I went back she informed me that It has not been canceled because they can't and the only way to cancel is by getting ahold of the department of XXXX Banking. The person I tried sending the money to has contacted and has taken the steps needed for the cancellation and they were informed that the issues have to be resolved on the sender 's side since the error was made by the sender.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit card or prepaid card

This is about the fourth time I have reported Comenity Bank - XXXXXXXX XXXX   XXXX  Credit card. I closed the account over a year. It was reopened without my permission. I have mailed the customer service department and this agency about the demand to pay late fees and an annual premium for a credit card I chose not to use. 

Credit card # XXXX XXXX XXXX XXXX - never activated Balance Statement Credit Card # XXXX ( located at the bottom of the statement ) Why there are two different numbers no one at the company can tell me and the fraudulent part is to have me activate the card " before '' someone in customer service answers my questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/2022 to XXXX, Equifax and XXXX about unrecognized negative items on my credit report and have not received any information back. It has been over 30 days. These companies are not complying with their own policies in a timely manner. 
I sent a second letter XX/XX/2022 asking the companies listed to comply but received no response.
Product: Checking or savings account

I am a long-time customer of Wells Fargo . I went into my local branch office to apply for a PPP loan for my XXXX XXXX XXXX. I was told that I had to open a Wells Fargo business account in order to be eligible for a PPP loan. I opened the account and applied for the PPP loan as instructed, but was turned down. Meanwhile, other Wells Fargo businesses were given hundreds of millions. I believe Wells Fargo prioritized big businesses for PPP loans even though small, women and minority owned local businesses were supposed to be prioritized, as specifically emphasized by Congress. I also believe that Wells Fargo welcomed the opportunity to make money by forcing small businesses to open business accounts. It's clear to me that Wells Fargo was never on the side of its small business owner customers, and we were turned down for PPP loans because serving us was not as profitable. Wells Fargo violates U.S. trust laws and needs to be dismantled. It's business model is to take advantage of its bank customers to serve its financial services enterprises. There should be another class action lawsuit against Wells Fargo for its repeated predatory and unfair practices. A FOIA review of the formula used to decide who received PPP loans would prove this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX Account with Transunion and XXXX has violated my rights. They are furnishing information that is inaccurate and incorrect regarding an account with XXXX XXXX  also known as XXXX XXXX  XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602A. States I have a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

That a fair investigation would have elicited information about events or discussions that transpired among the me ( XXXX, XXXX ), my wife ( XXXX, XXXX ), and ( XXXX XXXX - agent of XXXX XXXX   XXXX XXXX XXXX ), the creditors between XX/XX/2017 and XX/XX/2017 that cumulated in the judgment of XXXX XXXX XXXX on XX/XX/2017 dismissing the eviction charge including rent claims against us ( XXXX, XXXX and XXXX, XXXX ). No attempt was made by the debt collector and the credit reporting agencies despite our requests to prove or dispute my claim. 
That the amount of {$5300.00} billed against us by the creditor was included {$940.00} rental charges billed and dismissed by Justice XXXX XXXX on XX/XX/2017. This is contrary to our agreement and the court ruling. 

Hence, Experian and XXXX Consumer Solutions 1. Refused to investigate the reason for and meaning of the judgement of Justice XXXX XXXX on XX/XX/2017 which vacated the debt of {$940.00} against XXXX, XXXX and XXXX, XXXX. the said amount of {$940.00} which was later incorporated in the debt of {$5300.00} sent to XXXX XXXX That other items in the invoice are fines related to the non-payment of the rent that Justice XXXX XXXX on XX/XX/2017 dismissed. 
2. Refused to investigate the reason that the creditor did not discuss the or inform XXXX, XXXX and XXXX, XXXX about the debt before forwarding it t XXXX XXXX. 
3. Endorses the abuse of business process by the creditor and XXXX XXXX in pursuing a debt that the so-called debtors XXXX, XXXX and XXXX, XXXX were not properly informed about or given the opportunity to settle or negotiate. 
4. Endorses the abuse of business process by the creditor and XXXX XXXX in unfairly pursuing harmful damage to the credibility of XXXX, XXXX and XXXX, XXXX and punishing their child. 
5. Deliberately ignore the ruling of Justice XXXX XXXX on XX/XX/2017 without asking for more information or providing the reason why the ruling does not apply. Thereby, a. arms the creditor to retain unfair debts in my rental history b. encourage the debt collector to continue hiding the current and updated contact details of the creditor c. endorse and encourage false claims by the creditor ( XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX )
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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. 

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXXXXXX ) : ( 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.
Product: Credit card or prepaid card

Hello, I have a credit card with CareCredit ( Synchrony Bank ). When I opened my account I received a credit limit was $ XXXX. In XXXX of 2020 they decreased my credit limit by {$4700.00}. Now my credit score is ruined, my new credit limit is {$250.00} verse {$5000.00}. I never received an email for notice on my statement that they were looking into my account for review or even sent a letter stating they lowered my credit limit. I called CareCredit and only informed me that the company runs random credit checks and have the right to lower my credit limit. I never received any information about why they lowered my credit limit. What makes this situation worse is that my mother was a co-signer. Im afraid this is going to effect her credit score. 

I dont know what to do and just feel like this is not good practice. I would like a real explanation as to why they did this to me. 

Thank you
Product: Student loan

I applied for forbearance because I do not have options for deferment
Product: Credit card

XXXX XXXX XXXX XXXX issues credit cards through Continental Finance Company ; I have two cards with them ( Verve and Cerulean ). I obtained these cards to help build my credit. My credit is now very good and these high interest/fee cards are no longer needed or wanted. I have tried to close both accounts multiple times in the last XXXX months by calling the Customer Service number provided on the back of the card and online, but there is no way to reach a customer service representative to discuss any card issues, even though it says " this call may be monitored or recorded '' - it's all automated and there's no Customer Service involved. They have now increased the interest rate to XXXX % ( which is insane ) AND annual fees nearly doubled to {$150.00}. 
I don't trust mailing in the request as I've seen reviews where folks have had issues with accounts thinking they were closed and they were in fact not closed and fees were charged without their knowledge, rang up late fees because of fees and then reports to the credit reporting companies. This is plain and simple abuse of the system and the consumer for financial gain ; making it as difficult and nearly impossible to close an account is again, an abuse of the system and the consumer and should be illegal. 
The second issue is providing a phone number and calling it a customer service number, where you can't reach anyone, again contributes to the abuse of the system and the consumer for a financial gain. AND FOR A SECOND TIME I'LL say, this type of financial predatory behavior should be illegal. 
I will write to the address provided and have it tracked by USPS for delivery, but ALL I WANT TO DO IS CANCEL THE ACCOUNTS. IT SHOULDN'T BE THIS DIFFICULT!