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

Experian is not doing what is right to update my Personal information my last name is wrong needs to be removed See attachment Address is incorrect needs top be removed see attachment Accounts are old still in the report they need to be removed see attachment accounts are verified and removed by other credit bureaus still in Experian credit report witch is hurting my credit report. 

This is taking so long you do it a soon as 48 hours as possible. 

Please see attachments.
Product: Credit card

I recently received test messages about my " applications ''. I ignored them since I thought it was a scam. I received several phone calls from XXXX about my " new account '' & again I ignored them since I thought it was a scam. I was out of town for several weeks. When I returned, I got a new credit card welcoming me to my XXXX XXXX  account that I didn't apply for. I also received a letter from XXXX XXXX  that says : " We have received your request for a credit product with XXXX issued by XXXX XXXX. Unfortunately, we are unable to approve your request at this time. '' " Your request was denied for the following reason ( XXXX ) : Application has risk factors that cause us to be unsure of your identity. '' I just called customer service with XXXX & I was able to cancel the account that I didn't create with Commenity Bank. She explained that I will receive a letter that confirms this cancellation & she also reported it to the credit bureau. I'm about to cancel all of my accounts with Commenity & XXXX XXXX  to avoid any more problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

My  Wife add ed me to her   XXXX   XXXX   card Issued by  XXXX    XXXX   last month. The card came  in 3 weeks ago however I recently pulled my report and I was told that It would show up on report as an Authorized user However it has not. I was wondering if that was going to happen before months end (   XXXX   XXXX . )
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. 
IT WOULD HELP ME IMMENSELY IF YOU COULD GIVE ME A SECOND CHANCE AND MAKE A GOODWILL ADJUSTMENT TO REMOVE THE LATE PAYMENTS.
Product: Credit card or prepaid card

On XX/XX/XXXX, I ordered XXXXXXXX XXXX without realizing that my Debt card account associated with the XXXXXXXX XXXX had only {$2.00} in available balance. Food bill was {$4.00}. Despite my previous requests that I wanted to opt out of the over draft protection, Bank of AMerica Continued to kept me enrolled. I was charged {$35.00} fee. Then on the same moment, when I paid the delivery driver {$3.00} tip, Bank of America charged me another {$35.00} in fees resulting in a total of {$70.00} charge on a purchase of {$7.00}. 

I called the bank today on XX/XX/XXXX and was told by the representative that she could not waive the charge. 

This amount is excessive, predatory and against my previous wish of opting out of the bank overdraft protection. It is reckless to keep me enrolled and then charge me. I fully understand that overdraft fees make up to 40 % of BOA profits These predatory lending practices need to stop. 

According to XXXX report published on XX/XX/XXXX, Bank of America reached a {$75.00} mln settlement over excessive fees however bank has not changed its practices. Banks have faced many lawsuits over the years claiming they sought to illegally maximize overdraft fees. It seems that CFPB enforcement was seen as a punishment without any impact. It is always the consumers who suffers when these big banks too big to fail go after the same consumers who saved them in financial crisis in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact this agency about items on my credit that are not mine. XXXX, XXXX AND XXXX. I have contacted the FTC and my local police. There are also inquiries on my report that e.re not mines.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own behalf.
Product: Bank account or service

I 've been a customer of Regions bank since 2008 when my mother and I set up an account before I went off to college. Initially when the account was created, we made it very clear that we did not want my account to be overdrawn due to insufficient funds. At XXXX years old I was financially irresponsible and did n't want to risk being penalized a ton of NSF fees so we wanted the debit card to " decline '' rather than continuing with the transaction and earning a fee. Due to recurring NSF fee charges on countless occasions, I 've been to Regions Bank multiple times to reiterate that I did not want the " overdraft protection '' yet I was still being charged NSF fees when I specifically stated that wanted the card to decline. 2 months ago I visited a local Regions Bank concerning the issue and it was finally resolved with the click of button their computer. I 've been wrongfully charged NSF fees for the past 7 years and I should be compensated for those charges.
Product: Debt collection

I sent a request for debt VALIDATION not verification to LVNV Funding LLC regarding a debt they claim I owe them. In return they gave forwarded my request to a third party company Resurgent Capital Services who sent absolutely no validation not verification of any debt. I specifically asked for a signed document or supporting evidence that shows I am indeed the party they are seeking to pay this debt. Resurgent Capital Services only sent me a statement saying they manage the referenced account I inquired about and an amount owed. They are reporting delinquent information to the three major credit bureaus ( XXXX, XXXX, XXXX ) that I would like removed.
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. 

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 XXXXXXXX Has violated my rights.

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 accurate.

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish an 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 7 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 card or prepaid card

I've attempted to fix this, and I keep getting stuck in what feels like automated responses with no one actually looking into my complaint or issue. I purchased an XXXX XXXX in XX/XX/2022 with Best Buy. I paid off the XXXX XXXX and my account balance was {$0.00}. I then started to be billed an XXXX XXXX  monthly fee for an XXXX XXXX XXXX. I attempted multiple times to use Best Buy 's automated customer service system to cancel this charge. It kept trying to cancel my Best Buy account, which isn't what I was trying to do. I do not recall authorizing this charge. I can not find any agreement or contract stating that my purchase was dependent upon the purchase of this warranty program, and I'm not required to have it to own my XXXX XXXX. Yet, I'm still being charged for it and now it was incorrectly reported to the credit bureau as delinquent and my credit limit was decreased, despite having tried to cancel this well ahead of time and despite never actually asking for this warranty in the first place. I feel like Best Buy has been deceitful in getting this added without any real intention on my part of purchasing it and they continue to harm me by requiring me to pay for a warranty I've never requested in the first place. 

I've disputed the late credit reporting directly with Best Buy and the response was returned within less than 24 hours. I disputed this with the bureau and again the response was returned quickly without any human actually hearing the complaint and addressing the issue directly. When I asked Best Buy to provide me proof that I made this purchase, they refused to do so. They offered to send me terms and conditions of the card, but not actual proof that I purchased the warranty. I do not want this warranty product, I have never asked for this warranty product, and I keep asking to have the resulting delinquency comments on my bureau removed. This is unfair to me to continue to harm me over an {$8.00} warranty that I never signed up for. I've paid for the watch, the only product I purchased. We are talking about a pure profit add on charge for Best Buy that I didn't ask for and Best Buy continues to charge me for.
Product: Debt collection

XXXX has listed on my credit report a debt that was abolished by XXXX Finance in XXXX 2013. This was a joint account as I co-signed for a coworker to purchase a used car. XXXX Finance agreed to relieve me of all financial obligation, garnishments, and prompt deletion of credit entries in exchange for a one-time payment of {$3000.00}. The payment was immediately rendered and the stipulations were signed by a judge of the XXXX County District Court that same month. XXXX keeps verifying the debt as valid because XXXX Finance is supplying fictitious information because collection efforts remain in effect for XXXX party on account. XXXX County District Court has assured me that they do not verify debts, make entries to credit reports or make deletions. Equifax is also listing the erroneous account by XXXX Finance as past due in the amount of {$1500.00}.
Product: Checking or savings account

A month ago, I was suddenly told by chase that my account was closed and the balance would be sent to me by check, but now I have not received any check. I called chase today and was told that my money was regarded as fraud and I would never get it back. But my money is my own. XXXX also transferred money from a friend to me. This money is very important to me, without this money I can not support the rest of my life.its unfair that I cant get my balance back!
Product: Debt collection

I have contacted XXXX XXXX and informed them the debt from XXXX did not belong to me. In return, they sent a bill ; they DID NOT provide proof of a signed contract, signature or ID verifying that the debt is mine. XXXX XXXX  continues to report to XXXX this erroneous debt although they DID not verify nor validate the disputed debt. In addition they are reflecting this account was opened in XXXX 2016. I did not open an account and did not give anyone permission to obtain an account using my personal information and are not responsible for the charges they are reporting. This needs to be removed from my credit report in its entirety and not return.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX ( 1 ) Glad CFPB is here ( 2 ) Problem : Media reports of massive data theft, ~ XX/XX/XXXX of EQUIFAX No notification by company.
As advised in media, went to company website. 

Complaint is EQUIFAX poor, arrogant, confusing response : -needed 6 digits of social -received annoying message ( below ) and still unsure what to do. 
-burden needs to be on EQUIFAX , not me, to fix its problems. 

Previously limited contact with EQUIFAX and others in this industry. ( My credit is good. ) But even on those limited occasions, I found this industry to be arrogant and quite able to find all kinds of excuses to not release 'free credit report ' or 100 % of information or freeze credit or otherwise comply with guidelines. 

URGE : -Breakup of EQUIFAX and others. 
-Regulation ( yes, I think government can be force for good ) of entire industry. Just one example, option for EVERYONE to freeze their credit by default with NO charge, NO delay, nonsense. ( Better : opt out of all information collection period. ) -Criminal prosecution of INDIVIDUALS at EQUIFAX .
Thank you very much. 



=========== " Thank You Your enrollment date for XXXX XXXX is : XX/XX/XXXX Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to XXXX and click the link to continue through the enrollment process. 

For more information visit the FAQ page '' ============
Product: Mortgage

During the pandemic, my account was transferred to Carrington Mortgage Services. After fighting tooth and nail I got them to process a modification on the account. In XXXX, due to everything that was going on I was able to qualify for my mortgage to be paid for 18 months by the. The payments are made directly to Carrington but instead of applying the payments accordingly to my account, they have made a bunch of random payments and fees causing my account to not balance correctly. Now my account looks like it is two months behind but it is because the payments were inappropriately or not even applied to the account. I believe that there are some issues with their accounting and how they are applying those payments. I could tell where a portion of a monthly payment was taken and an entry for curtailment was entered instead of being applied to the monthly due causing the payment to be not only late but short of the monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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.

purpose.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX- Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Listed below are hard inquires that have been reported to my credit and need to be taken off immediately because they are false. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received several alerts from my credit monitoring service of new inquiries on my credit report. These inquiries were all from XXXX XXXX XXXX. I did not initiate these inquiries.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several inaccuries and authorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a long time since I viewed my Credit Report and upon checking my Credit Report, I was appalled by the Credit Bureaus lack of concern with a consumer 's Credit File. I noticed many erroneous information being reported on my Credit Report. Im now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$920.00} XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX Balance : {$190.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an on going issue with the company. I recently had an investigation done into the matter and as of XX/XX/19 it is complete. In which, Transunion conducted an investigation into the issue and verified information on the account regarding an XXXX XXXX. According to transunion, the results were in fact that I did at one point have the account and XXXX updated the account as the balance was paid in full as per XXXX XXXX XXXX and I never missed one payment while in possession. I received the results of the investigation in the mail today. IT IS MY RIGHT UNDER FCRA 623 ( b ) ( 1 ) ( D ) TO HAVE ANY AND ALL INCORRECT INFORMATION CORRECTED OR DELETED IF THEY CAN NOT VERIFY THE FACTS OF THE MATTER, WHICH IS THAT THIS ACCOUNT STILL HAS ERRORS. Number one, the account is listed as a charge-off. If the balance is in fact paid in full as reported and I owe {$0.00} as per the investigation this is severely misrepresented. A CHARGE OFF OCCURS WHEN THE NUMBER OF DAYS SINCE THE MOST RECENT PAYMENT REACHES 120 DAYS WITHOUT PAYMENT. THIS WOULD MAKE THE ACCOUNT DELINQUENT AND NO LONGER CONSIDERED CURRENT. This does NOT reflect my account at all. If i was delinquent XXXX would not have updated the account as paid in full after Transunion 's investigation. I never missed one payment therefore the account does not fall under a charge off. It's just a closed account. I have the results of the investigation if need be.
Product: Credit reporting or other personal consumer reports

These hard inquirieS on my credit report... fraud activity was done! I need these hard inquiries removed. NOT familiar at all with these inquiries! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Key bank sent me a fraud letter in reference to an account ending in XXXX opened on XX/XX/2002 in my name. I never had any business with these people and never heard of them. When I called 5 times they would only let me speak to a person named XXXX who barraged me with questions about my social security number address dob etc. She refused to let me speak to a supervisor and I believe she is the one who stole my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I was at the gym in XX/XX/year> my personal information was stolen from my car. Upon reviewing my credit report I noticed a XXXX XXXX Bank account on my credit report. I never applied for this account per FCRA, unauthorized accounts shall be removed -- XXXX XXXX Bank acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive my XXXX XXXX Report on and notice there were banks that I don't have on there. These Banks that's on there are hurting me from getting approved for my business account. I already reached out to XXXX XXXX  about this multiple times they keep violating my rights under the 15 USC 1681B. I also attach a copy of my identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXXXXXX # XXXX 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card

I am applying for car loan was told credit card was on my credit. Did not apply for card & was opened without my knowledge.