23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XXXX/XXXX/XXXX I received a mail from Experian in regards to my credit report. I have noticed that the fraudulent XXXX account number # XXXX is still on my credit report and considered negative. I have already contacted XXXX on XXXX/XXXX/XXXX to dispute the fraudulent charges of {$2100.00} due to Identity Theft. XXXX sent me XXXX letters on XXXX XXXX, XXXX and XXXX XXXX, XXXX and advised me that the fraudulent account will be removed. Experian still refused to remove this fraudulent XXXX account from my credit report. I have already filed numerous complaints against Experian in regards to this XXXX fraudulent account for the past 2-4 months. Experian responded back to me and told me it will remove this fraudulent XXXX account. Experian failed to meet consumer 's expectation and serve its customers properly. Experian has been investigating my Identity Theft case for the past 2-4 months and still failed to conduct its investigation properly. I wish Experian will be 100 % honest with me by telling me that it will NOT assist me at all with my Identity Theft case and refuse to remove the fraudulent XXXX account from my credit report. I have proof that XXXX sent me XXXX letters and advised me that it will contact Experian, XXXX and XXXX to remove the fraudulent account from my credit report. XXXX also sent me a letter of apology for my pain and suffering in regards to my Identity Theft. I still have NOT received a letter of apology from Experian. The ONLY thing I received from Experian is negative remarks on my credit report such as XXXX. It is bad enough that the suspect stole my identity on XXXX XXXX and committed the crime of theft at my expense for the past several months. But the situation is getting worse and worse because Experian refused to remove the fraudulent XXXX account from my credit report and falsely accused me of several things such as filing a lost or stolen credit card. I have NEVER filed a lost or stolen credit card in my entire life. I ALWAYS paid my bills on time without penalty. I obey the laws. Experian treated me like a criminal or suspect instead of supporting me as a victim of Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved. I am filing this compliant for misleading false reporting information
Product: Credit card

I had recently moved to XXXX for work over this next year. Unfortunately, in this time I was met with some tragic circumstances and was robbed, had my cards used against my will, and threatened by people on a handful of occasions. I went to the police and was told there is nothing that can be done, please contact your credit card provider about these unauthorized charges you did not make. I filed complaints claims with my bank, Chase, detailing the circumstances. I asked for their advisement on how to proceed, and went accordingly. Months later, these are all rebilled without explanation. No one ever made a single effort to contact me, and no proper notes ( by their own admission ) were put in to explain the circumstances of these events. I submitted letters with extensive details, and any documents I could to support my claim. Ive been calling every day for weeks to resolve this matter-matters that I was even told prior to the rebilling I, in their own words, would not need to worry about. Well, I have now been on a XXXX month back and forth with Chase trying to resolve this issue. I will never get anyone contacting me, and things are still an absolute mess. As the victim of crimes and with my property compromised as a result, this bank has intentionally silenced me and been complicit in the acts of these criminals. Criminals of whom I am in the process of gathering information on to go after, but need this banking issue resolved to aid me getting justice for these crimes. It has reopened a traumatic wound and had a very painful effect on my life, as they continue to silence my testimony every step of the way. This banks conduct is completely unacceptable. Many of these circumstances that happened to me are all over the news, testimony from other people here in XXXX of this happening to them. The XXXX police and their refusal to help a foreigner, also very publicized, with a recent story of the XXXX police being sued for it. Yet Chase wont acknowledge that my story is part of that pile, and the desire to put mine in the discussion very much on my mind as Chase continues to aid in these crimes by refusing to speak to me and resolve this clear cut case that I am a victim of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX I 've sent several dispute letters to Experian thru certified mail and online direct dispute regarding an account that keeps changing different items that is affecting the 7 year removal date. I had 2 accounts with the same debtor that went delinquent on the same exact date and both should have the same removal date. Both accounts were removed by XXXX XXXX XXXX due to the 7 year date, and I sent the information from XXXX along with a follow suit letter showing the correct information and prove of deletion with no resolve. Experian has the same accounts with one having a removal date of XXXX XXXX and the other having a removal date that has changed several times and the latest date of removal now states XXXX XXXX. This date along with the first reported date changes every time i dispute and ask for the information experian received to validated and verify the dates and information. Till this day I have not received any of the information I have requested and that I 'm entitled to from experian regarding this account except a pre-generated generic letter saying the information has been updated. This account should have the same exact dates as the other account and should have the same removal date also, because as it sits today it looks like the account was just opened or reported and will be on my file for a total of 14 years. I feel as if experian is not investigating my dispute as guaranteed by the laws and rights afforded to me by CFPB and other governing bodies. The account has been and is being re-aged as my attached documents show and it 's making it very very difficult for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2023 Wells Fargo has a loan called flex loan no credit check to obtain the loan. today I received a message stating I open a new credit card account and I didnt. my credit report is still showing 100 % still need to b paid whn a payment was made on XX/XX/XXXX. I Was not aware of WF putting the {$500.00}. loan on my account.
Product: Credit reporting

To whom it may concern, I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information, in regards to XXXXhard inquiries, that was being reported on my credit report. In addition, I disputed these inquiries online on XX/XX/2017. They received the online dispute on XX/XX/2017 and they completed the request on XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting or other personal consumer reports

OneMain was showing a balanced owed of {$10000.00} which they originally charged off after it was sold to a collection company that did collect. Account number XXXX I never received the 1099c and when I requested it they changed the status on my credit report and would not removed the open account. 
Everytime I challenge this or ask fo

r the 1099c they simply verify the account on my credit reports.. 
This account was sold twice to two different collection com
panies and charged off at One Main Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this inquiry to you because i learned that my credit score suddenly dropped from XXXX points and I want to find out why, And what I can do about it? Nothing has changed in my financial world, so I am concerned there is wrong information negatively affecting my score. This sudden drop occurred between XX/XX/2019 and XX/XX/2019. I am not sure where to turn so I am first reaching out to your agency. 

Thank you for your assistance.
Product: Debt collection

Credit Central XXXX calling me and family members on our home numbers, cell phones and on our jobs attempting to collect a debt that we do not owe nor do we have any information about the debt. This is predatory collection practices and it is harrassing. We have asked them to stop calling numerous times, but they continue.
Product: Credit card or prepaid card

I am writing this letter in the hopes that you will help me with this unfair and overwhelming Situation that I find myself in. I believe now that these original credit card balance was paid off I have been paying this Citibank credit card, original account # XXXX since XX/XX/XXXX. Almost 10 years later. Citibank still want to keep charging the same amount by Citibank was illegal and violated my rights as a consumer & my civil rights. I will list Below some of the issues and facts that are the most obvious and reference which laws were violated By them. 1. Predatory credit card Lending : 1 a. Flipping and charging interest so my balance never go down and still the same over 10 years : The practice of encouraging customers to frequently refinance balances and loans solely for the purpose of earning loan-related fees : 1 loan and balance 2 flipped loans and balance with fees and very high interest rollovers. On XX/XX/XXXX,  XX/XX/XXXX and XX/XX/XXXX. 1 b. Risky loan terms and structures : The practice of making loans with terms or structures that make it more difficult or impossible for borrowers to reduce their indebtedness. Citibank Cycle of Debt : Citibank used illegal debt collection tactics to create a false sense of urgency to lure overdue borrowers into debt traps. They would encourage overdue borrowers to temporarily pay off their loans and then quickly re-borrow from them again. Even after conveying to them that I could not afford to repay the balance, Citibank would continue to pressure me into taking on more debt only making me paying mimimun balances for 10 years but the balance never goes down. I would pay new fees each time they took out another balaance from them. I am sure you will find that Citibank created a false sense of urgency to get delinquent borrowers to take out more balances in the credit card is abusive. Abusive Acts or Practices : Section 1031 ( d ) ( 2 ) ( B ) of the CFPA ifit takes " unreasonable advantage of ... the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or Service. '' 12 U.S.C. 553 l ( d ) ( 2 ) ( B ). Citibank has engaged in unfair, deceptive, and abusive practices in connection with its collection of credit card loans in violation of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( l ) ( B ). Citibank want to transfer that to debt collector company Cavalry the amount of {$10000.00}. Citibank balance account a total of {$10000.00} after paying for 10 years minimum of {$150.00} payments, it never went down and I paid back to Citibank around {$18000.00} in 10 years, almost {$10000.00} more! and they want other {$10000.00} more!
Product: Prepaid card

bought card and they had no money on them incomm wont refund me my money or replace the cards with original balnce witch is theft..below are the cases with the card numbers CASE # XXXX CARD NUMBER XXXX CASE # XXXX CARD NUMBER XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 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 an account without my written instructions under 15 USCS 1666 b, a creditor may not treat a payment on an account under an open end consumer plan as late for any purpose
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE item on my personal profile, I noticed that there was an : Account : Bankruptcy XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement, drivers license, and XXXX Form for my Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Equifax not blocking this account is inadvertently resulting in me being extorted.
Product: Credit reporting or other personal consumer reports

I DID NOT APPLY FOR CREDIT WITH THESE COMPANIES. THIS WAS WITHOUT MY CONSENT.
Product: Credit reporting or other personal consumer reports

I had a credit card with XXXX XXXX XXXX XXXX fromXXXX until XX/XX/XXXX. XXXX closed the account because I was delinquent due to a XXXX. The account was reported, as expected, marked as closed. However, the creditor is continuing to ad a late payment each month, currently showing in excess of fifty missed payments, as recent as XX/XX/XXXX. I believe this is an attempt to extend the reporting time on the account in perpetuity. Further, the creditor will not, despite my requests, to show a date in the account closed field of my credit reports. I believe the payment reporting must stop after the account is closed. The account is now out of the Statute of Limitations in Virginia ( 5 years, pursuant to VA Code 8.01-246 ) so I believe it should be deleted from all reporting agencies.
Product: Credit reporting or other personal consumer reports

I have recently checked my consumer report and I noticed an account that does not belong to me. According to 15 USC 1681c-2 Please block any items resulting from Identity Theft. Fraudulent account XXXX XXXX XXXX XXXX XXXXXXXX ) Fraudulent inquiry XXXX XXXX  date of XXXX XX/XX/2022. 

Please block and remove this negative account
Product: Credit reporting or other personal consumer reports

FCRA violation : not my addresses XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Resident type Single family XXXXXXXX XXXX  XXXX XXXX XXXX, NJ XXXX Resident type Multifamily XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, NJ XXXX Resident type Apartment complex XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamil FCRA violations XXXX not my accounts XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Collection account. {$990.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$810.00} Status Collection account. {$810.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$28000.00} Status Collection account. {$2.00} FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Vehicle loan or lease

I have a loan problem with green state credit union. I had cosigned with my daughter to get the loan on the car. Evenly she took the car to bankruptcy in XX/XX/XXXX. She was unable to afford it any longer. According to XXXX XXXX the loan was closed on XX/XX/XXXX, for {$9700.00}. I then received another paper showing on XX/XX/XXXX, your green state credit union automotive account was closed. They keep telling me that I owe them {$9700.00}. By having this on my credit report is giving me a low score and is keeping me from getting a house mortgage. I have on several times disputed this XXXX XXXX but no success. I also have a report showing it was closed as an auto loan with joint responsibility. It also states that it was a charged off as bad debt and profit and loss write off on XX/XX/XXXX. That are green state credit union. XXXX XXXX XXXX. XXXX XXXX Iowa XXXX XXXX. XXXX. I would just like to get this cleared up and off my record as I can move forward. Thank you and please keep in contact.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting and handling of account, as it contains several violations of my rights under federal law. Specifically, under 15 U.S.C. 1681 Section 602 of the Fair Credit Reporting Act ( FCRA ), I have the right to privacy, which has been violated by furnishing or sharing my account information without my express written consent. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish account information without my explicit written instructions, which I have not provided. Furthermore, per 15 U.S.C. 1681a paragraph ( 2 ) ( A ) ( i ), transactions improperly reported that do not meet consumer reporting standards should be excluded from my consumer report. Additionally, under 15 U.S.C. 1666b, a creditor may not treat payments on a credit card account under an open-end consumer credit plan as late for any purpose unless proper notice is mailed to the consumer at least 21 days before the due date. To my knowledge, I did not receive any such notice or statement. Lastly, 15 U.S.C. 1637b requires that creditors provide clear and timely disclosures of payment terms, which I did not receive in relation to this account. Based on these violations, I demand the immediate removal of all late payments associated with this account from my credit report, written confirmation that any improperly included transactions have been removed, and proof that all required notices and disclosures were properly sent.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. Moreover, they didn't follow the proper XXXX step validation procedure which makes this unfair practice. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

I have no knowledge of the these items that are being reported on my credit report. These accounts are not mine. 
Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I don't have any idea why this is happening to my credit report because there are inaccurate accounts there. Please check the documents I've sent regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit bureau ( XXXX, TransUnion, and XXXX ) account was frozen without my consent by a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  was charging me double the price of XXXX XXXX who had the same room, bathroom and parking space as me. I proved this to them through documents and got no response. Countless times called XXXX ( the property manager ) to discuss the overdue balance and explain the unfairness/discrimination i was experiencing at the hands of her company. During those phone calls i was promised things that were never given such as fairness. I was the only individual in my apartment who was charged for damages that were not even in my personal room. I lived with 3 XXXX girls and i was the only one out of the 4 of us who received a bill to fix all the damages that XXXX XXXX claimed were such an issue and just my fault. They are XXXX. This has ruined my credit because some people are to ignorant to know that everyone deserves to be treated exactly to same. I didnt choose to be born XXXX.why do i have to be overcharged for it..? The company who does collections for XXXX XXXX is part of the issue and not the solution i have explained my situation and showed them the evidence of discrimination and for them to just dismiss my concerns and still ruin my credit. I told XXXX XXXX they arent seeing a DIME of that XXXX charge and i meant it.