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

My name is XXXX XXXX XXXX, and I am a Federally protected Consumer. I am initiating this complaint in order to address the unfair, impartial, and inequitable behavior of the consumer reporting agency XXXX in regards to a recent Fraud Alert which was added to my consumer credit profile without my expressed written instruction, consent, or authorization. After providing specific written instructions pursuant to [ 15 USC 1681b ( a ) ( 2 ) ] regarding what personal identifiable information was authorized to be furnished on my consumer credit report, an agent, authorized representative, or employee of XXXX elected to place a Fraud Alert on my account, and subsequently notified XXXX, and EQUIFAX that a Fraud Alert was requested by the consumer. IT IS A FACT THAT I DID NOT AUTHORIZE A FRAUD ALERT to be placed on the account and I DID NOT PROVIDE ANY PERSONAL STATEMENT regarding a Fraud Alert to be added by XXXX or any other credit reporting agency. XXXX as a repeat offender and violator of the FCRA, continues to habitually demonstrate its disregard and lack of respect of my rights as a consumer by deliberately and willfully failing to comply with its obligations under the FCRA. I have attempted multiple times to address this issue by directly calling the XXXX Fraud Department, however each attempt has been unsuccessful. XXXX as a consumer reporting agency governed by the FCRA has no authority under Federal Law to willfully and deliberately ignore the specific written instructions of the consumer made pursuant to [ 15 USC 1681b ( a ) ( 2 ) ] regarding what personal identifiable information is authorized to be furnished. XXXX is once again willfully and deliberately reporting INACCURATE INFORMATION on my consumer credit report in violation of the Fair Credit Reporting Act by failing to furnish information in accordance with the written instructions of the consumer. It is hereby required under Federal Law that this agency immediately remove or delete the unauthorized Fraud Alert and the Unauthorized Personal Statement pertaining to the Fraud Alert.
Product: Credit reporting or other personal consumer reports

I am writing to notify you of a critical issue regarding my credit report. I have recently become aware that my account shows unauthorized late payments, which I believe are a result of identity theft. As I am in the process of moving into a new home, these erroneous late payments are causing unnecessary hardship and hindering my ability to secure housing. 

The late payments in question were not made by me, and I am the victim of identity theft. I respectfully request that you update my credit report to reflect these payments as " Paid as Agreed, '' or remove them entirely if they can not be verified. 

I have attached the relevant documentation, including a copy of my identity theft report, to assist in the investigation and resolution of this matter. I request that you update my credit report as soon as possible to prevent further delays in my housing process. 

Thank you for your immediate attention to this urgent matter. Please provide written confirmation of the actions taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did Not authorize inquiries. I did Not give anyone permission to perform inquiries
Product: Credit card or prepaid card

During XXXX of 2017 I attempted to close my credit card with XXXX XXXX ( XXXX XXXX XXXX ). 
I had a credit balance and they refunded the balance by check but would not close my card. It has affected my ability to open a credit facility with another bank. 
I called them today and asked if I could record the call where they would close the credit card. They said because I had asked to record the call they had to hang up. 
To my knowledge the card is still open.
Product: Checking or savings account

On XX/XX/24 I initiated a {$500.00} transfer to Popular Direct Bank. I could not log into Popular Direct probably because of an IP address issue as I was out of state. I logged into XXXX XXXX XXXX in XXXX, IL and used their website to start the transfer. Consumers has no record of me transferring this money. However, Popular Direct took out the money and sent it to " XXXX XXXX ''. Their usual transfers go to " XXXX XXXX '' or " XXXX XXXX ''. Popular Direct told me they had other customers with ACH issues that day but despite it being nearly XXXX weeks I feel they are not properly responding to my complaint. I asked them on several occasions which Federal agency I could complain to and they refused to answer this question. Note there was also a {$500.00} transfer on XX/XX/24 from Popular Direct to XXXX which was successful. These are XXXX different transactions. XXXX can not help me at all as they have XXXX record of the transaction on their side.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

XXXX XXXX XXXX Line of Credit Contract Number XXXX is missing payment history information and the balance owed is incorrect. 

The payment history should be updated and the actual balance remaining should reflect XXXX. 

XXXX. My address should also be updated to reflect XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. I mailed in the address request XX/XX/2023 and it is not reflected in the system with any of the credit bureaus.
Product: Credit card

I received a notice from Capitol One that they were issuing me a new card and account because XXXX of the merchants I had dealt with had a security lapse. I have been trying to get the name of the merchant and they seem to be stonewalling me. Their chat line wo n't accept my valid input, their phone representatives ca n't seem to access the information and they refuse to email me the information, stating that a name is too sensitive. What can I do? This is XXXX.
Product: Checking or savings account

I hate that I have money in my account and when they say overdraft fee they over charge and been taking a lot of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a 4 auto loans with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. The result of the fraudulent accounts have put accounts in collections with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

Numerous times I have contacted Navient about my school being fraudulent and about the fact that they keep raising the interest rates even though I always make on time monthly payments. I have recently found out that people are being sent forms to fill out to have their loans removed due to scam schools. I should be receiving one of these also. Not only was my school a scam school it also has lawsuits against it. I also should not be paying these high interest rates. I am furious
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN WOULD NORMALLY SEND ME REPORTS AFTER THEY INVESTIGATED ITEMS IN DISPUTE. HOWEVER, I HAVE NOT RECEIVED ANY REPORTS NOR AM I SURE IF THEY HAVE ACTUALLY CONDUCTED AN INVESTIGATION INTO SAID MATTERS. THE LAST TIME I GOT A REPORT FROM EXPERIAN WAS XX/XX/2022. ITS IMPOSSIBLE TO GET TO GET TO ANYONE There AS I HAVE TRIED TO CALL. ON THE ONE OCCASION, I GOT THRU TO SOMEONE. I WAS TOLD THEY NO LONGER MAIL REPORTS TO ANYONE.
Product: Credit card

On XXXX/XXXX/2016 I checked my Citi online account. At that time the system indicated that I could receive a credit limit increase with a SOFT pull of my credit report. I completed the process and was instantly granted an increase. 

On XXXX/XXXX/2016 Citi did a HARD pull of my XXXX credit report. I was notified of this 2 days later by a credit monitoring product. On XXXX/XXXX/2016 I contacted Citi to find out why they 'd pulled my credit. Due to the time delay between the CLI and the hard pull I 'm concerned about a fraudulent account being opened in my name and was told they could not help me. I also asked about having the hard pull investigated and removed and I was told that no one could speak to me or help me on that matter. 

Either a fraudulent account has been opened in my name or Citi was deceptive in its process.
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit card

In additional to complaint numbers : XXXX and XXXX for the same Wells Fargo Visa credit card , I would like to add more information. I don't want to be repetitive because both Wells Fargo Visa finally responded to some of the inquiries and I attached my information that is still available in attachment. Unfortunately, CFPB platform provided by your organization doesn't give enough time for Wells Fargo Visa and myself to respond withing your timeline. How do you serve the purpose in decision making? Please provide me with a contact information, including e-mail with whom I will have ongoing conversations until this problem fully resolved. I will be happy to provide additional information upon request. 

After I reviewed all statements for XXXX and XXXX, transactions, purchases and returns this is what is not resolved. 

1 ) Disputes about billing, transactions, purchases that I never made and credits that I never received for returns. I do have documentation and receipts, provided multiple times to place of business and Wells Fargo Visa. Disputes over wording on statements with large amounts, stating that payment is not required. I'm unable to locate date and business for those amounts. Dispute over lost product that was mailed to place of business. No credit was issued and item was not returned to me. I lost money and product. Dispute over statement balance in XXXX that showed final balance on one statement and showed XXXX balance in biggening balance in following statement that's without payment. The balance appeared in purchases in the next statement. This is a huge bookkeeping mistake because it's neither purchase or return, a bellyflop! Disputes about no customer service in span of two years or more, slow response, no response or inability to problem solve as problem arises, this is why same disputes are still disputed to this day. Disputes over debt that wasn't paid back to me.

2 ) Accrual of late fees and interests. According to Wells Fargo Visa, while the case is still under investigation they will not report to credit bureaus for no payment. In many cases they state on the statement that their clients will not be responsible for payment until case is resolved for however amount time they take. Unfortunately, this is not true the company continues to charge fees and interest on the card regardless of incomplete investigation. 

3 ) False credit reporting to credit bureaus that does more than lower my credit score and good standing reputation. This goes along with statement in # 2. 

4 ) Lowered credit limit from {$7500.00} in XXXX to {$900.00} as of right now on Wells Fargo Visa credit card. This is revolving kid or student balance for a person who has no credit history, not and experienced credit card owner with steady full payment history and good credit history. This amount will buy me nothing! 

5 ) Unpaid debt to me The last statement balance is {$600.00}. According to my calculations debt owed to me in XXXX is {$3600.00} - debt owed in XXXX to Wells Fargo Visa is {$14.00} = {$3500.00}. Please issue immediately issue check for {$3500.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS FALSELY REPRTING INCORRECTLY, THIS ACCOUNT WAS INVALID AND BELONGS TO DECEASED AND WAS DISCHARGED DELETE THIS ACCCOUNT FROM ALL BUREAUS OR BE SUED.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to request the removal of a closed account that shows one late payment and is reported on my credit reports from XXXX and Experian with one date, while XXXX shows a different date. This discrepancy raises concerns about the accuracy of the information in my credit reports. 

The details of the account are as follows : Account Name : XXXX Account Number : XXXX My request is based on the following laws : Inaccuracy of Information : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable information in my credit reports. The inconsistency in reporting dates suggests that the information may not be accurate. 

Responsibility to Report : According to 15 U.S. Code 1681s-2, creditors are required to report accurate information. If there are discrepancies in the dates reported by different agencies, this could indicate a failure to meet that obligation. 

Right to Deletion : Under the FCRA and other applicable laws, I may request the removal of information that does not accurately reflect the current status of an account. A late payment on a closed account, especially with inconsistent dates, may unjustly affect my credit history. 

Given these points, I kindly request that the CFPB investigate this matter and facilitate the removal of this account from my credit reports. It is essential for my credit history to reflect accurate and fair information. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This company Halsted FinancialXXXXXXXX XXXX will not stop texting me. They provided directions to opt-out and I did submit that in writing, but they will not stop. They texted me on : XX/XX/year> at XXXX and I immediately sent them a written request to stop contacting that phone number. They acknowledged the request and said they would stop. 
Then they text me again at XXXX the same day! 
Then they text me again at XXXX on XXXX XXXX. I again requested in writing to stop contacting this phone number and they acknowledged again. 
Then they text me again at XXXX on XX/XX/XXXX. 

They are harassing me at my personal cell phone number and will not stop after repeated written demands to stop. They are sending texts from a short code number " XXXX ''
Product: Prepaid card

I received a gift card with {$500.00} on it. I haven't been able to use it, and I contacted the card company, and they said I would need a replacement card sent to me. I still have not received the replacement card and I have no ticket number to inquire about it.
Product: Credit reporting or other personal consumer reports

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are both unknown and unauthorized, therefore I'm demanding that the major 3 reporting agencies remove and block the following. Or show just cause via physical documentation of why they are reporting such. Please remove 1 ) XXXX XXXX {$1100.00} 2 ) XXXX XXXX   {$61.00} 3 ) XXXX XXXX 4 ) University of XXXX  {$1000.00} 5 ) XXXX XXXX {$2900.00} 6 ) XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX   {$1300.00} 8 ) XXXX  {$5500.00} 9 ) XXXX   {$5000.00} 10 ) Dept of ED/ XXXX {$56000.00} 11 ) Dept of ED/ XXXX {$31000.00} 12 ) Dept of ED/ XXXX {$3200.00} 13 ) Dept of ED/ XXXX {$4200.00} 14 ) Dept of ED/ XXXX {$1000.00} 15 ) XXXX {$4000.00} 16 ) XXXX {$2600.00} 17 ) XXXX {$11000.00} 18 ) XXXX {$9600.00} 19 ) XXXX XXXX XXXX XXXX {$21000.00} 20 ) XXXX XXXX XXXX XXXX {$2600.00} 21 ) XXXX XXXX XXXX XXXX   {$1400.00} 22 ) XXXX XXXX XXXX XXXX {$4000.00}
Product: Credit reporting or other personal consumer reports

A credit card account ending in XXXX has been paid in full and charged off as of XXXX. XXXX is reporting that the charge off was closed on XX/XX/XXXX with another late payment of XX/XX/XXXX. This is inaccurate. I have proof of payment on this account showing when the charge off closed in XXXX. A charge off being closed in XX/XX/XXXX is impossible as the account has had no date reported for a year until these new bizarre late payments. 

The charge off date needs to be updated to the date the paid in full, not XX/XX/XXXX. 

Update the charge off closing date to the day payment was received immediately!!!!
Product: Checking or savings account

Wells Fargo called me trying confirm a bank account I never opened and XXXX issues saying something about a pending payment from XXXX and I never did that. XXXX has closed my account for fraud
Product: Debt collection

TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX : XXXX/XXXX XXXX. XXXX XXXX, XXXX, XXXX, XXXX ( XXXX ). 
XXXX XXXX XXXX. XXXX, Georgia XXXX ( XXXX ) XXXX XXXX I have left several messages with no responses from this company. I have told this company this is not my account, and I dont have a clue where this originated from. I have insurance with XXXX. I have sent them a police report to substantiated I had identity theft, and this is not my account. I need to hear their lousy excuse why are they making me suffer. I need for them make an informed decision regarding this claim that I owe this money. They can not!!! 
I am extremely distraught by this companys defilement of another Veteran credit report. I am open to communicating with you for this purpose, only! In order to make sure that I am not put at any disadvantage, in the interim, please consider this debt as being in dispute, not mine, and dialogue amongst us. The federal Fair Debt Collection Practices Act ( FDCPA ) offers consumers protection in contradiction of excessively antagonistic debt collection actions by collection agencies like yours. 
I have never been so victimized and wronged so severely about an account that is not mine. I have left several messages with no responses from your employees. I have told your company this is not my account, and I dont have a clue where this originated from. 
Your company has forced me to report you all to our government agencies, and I have given them revelations to your violations, using unfair, and illegal credit bureau reporting tactic regarding a debt that doesnt belong to me, sadly. I do not appreciate your process, and the way your company trying to strong arm me, and then have implemented a deceptively, quixotically, and unlawful assault on my character. 
This is a sneaky way to justify your company qualification without concrete evidence, and using deprived services ; I am writing today to complain of the unprofessional service I received in this un-forgetful process. I only wanted to get a V.A. Loan after I sacrificed my life for this country with honorably behavior. They have besmirched my character and knowing, I live in whole another county in Georgia.