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

In late XX/XX/XXXX I called in before the XXXX dollars annual fee was due and requested that my secured card be either converted ( so the fee was waived ) or that I would like the account closed. I submitted all of the information needed and was told to wait and it would take 30-60 days, I received a letter that confirmed this. It turns out there was a block on my credit report so they were unable to run my credit. I called to follow up after the 30 days had passed and only then I learned of this issue. I gave further authorization to run my credit. I asked if I should pay the now due XXXX  dollar fee that had been assessed. I was told that I didn't need to because we should have a decision on the conversion before the fee becomes late. The next letter I get is that a XXXX dollar late fee has been applied to my XXXX dollar fee and I am now in collection. The day I get the letter I contacted XXXX XXXX and they admitted that there was a snafu and after I made the payment for the XXXX dollar fee and XXXX dollar late fee I was credited back for both fees plus an additional account credit. It was also at this time that I learned that after all of the additional information given to authorize running my credit, it was never processed to have the account converted. In XX/XX/XXXX I get a notification of a 30-90 day late now appears on my credit from this account and this XXXX dollar fee. I have now contacted XXXX XXXX 4+ times I am told that there is nothing they can do, I am responsible, I am deserving of this, and if I don't like it to dispute it on my credit or send a letter. I have tried to get to the executive office or a higher up office, I am told that I am not permitted to talk to anyone other than credit card service. I have now disputed the late on my credit. This bank is ruining my life. Oh, and to close my account I have to send in a fax or letter which they claim that was sent in and I had not at that point sent in a letter.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES VIA CERTIFIED MAIL ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. 
THESE ACCOUNTS ARE UNVERIFIABLE. 
I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED. 
THESE COMPANIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY FAILURE TO DO SO IS IN VIOLATION OF 15 USC 1681 EB.
Product: Credit reporting or other personal consumer reports

I've mentioned this several times now, I really need your help to address the problem of my stolen identity. Please take quick action to remove the fraudulent entries and update any other inaccurate information as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive sent In copies of my FTc identity theft report asking for corrections to be made.
Product: Debt collection

Personal Statement this is my personal statment, at the rein investigation that any that any information disputed by the consumer and any item that is found in accurate must be removed. and can not be verifired. according to 15 U.s code 1681c-2. The listed accounts below have been reported without my written consent and therefore is a result of idenity theft and must be removed. these accounts are not related to me accounts... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference to case file # XXXX I Previously submitted a complaint regarding Transunion inaccuracy on my credit report. In checking the status I noticed I stated the account was sold and settled with another company. However, that is how Transunion report shows. 
The account was settled and paid as agreed. 
I have submitted a request to correct several times with no success. Transunion indicates it was verified and correct. The receipt I uploaded obviously shows their report incorrect and/or impossible to have actually reached out to the company for verification. 
I have uploaded the receipt ( attached to this complaint as well ) As of XX/XX/2023 the report is still showing the same thing. They did not even send me an update of verification this time around. I had to go in and check that is was completed.
Product: Checking or savings account

I opened a Checking and saving account with Citi a few months ago Ive literally have had XXXX transactions or less XXXX a wire from my boyfriend for XXXX and the one that apparently caused them to close my account he wired me $ XXXX {$7600.00} they didnt even tell me it was closed I had to I was trying to check my account check the balance and I could not login so I called them and they said that I know I dont have an account with them that I that they reviewed my account and they close my account and I said why because I got a wire for XXXX isnt that what bank account is for to put money in it they did that everything was legitimate so I dont know how they just close my account because I got a wire so now they sent me a letter that they close my account which is not true. They already close it that same day and have not returned my funds to me. Apparently, XXXX not the only one that this is happened to you. I went on the Internet and theyve done this to quite a bit of people and thats not fair. I dont know how theyre still in business or how anybody has not done anything about it.
Product: Credit card or prepaid card

*on XX/XX/XXXX I made a payment to Bank of America credit card for {$4000.00} in error. 
XXXX called on XXXX to inform them I made an error and sent the money to the wrong company and please reverse the payment back into my XXXX XXXX checking account and XXXX said it was done and I would have have money in XXXX days case # XXXX XXXX I called back to say I had not received anything. XXXX told me on XX/XX/XXXX they sent a check to me and it would take XXXX days. 
* I received a letter about XX/XX/XXXX from BOA stating that BOA transferred my payment from my credit card back to my account. The payment NEVER showed up. 
*on XX/XX/XXXX XXXX said the check was sent to XXXX XXXX and to call them ... another lie. 
XXXX XXXX spoke to XXXX and she could not help me *on XXXX spoke to XXXX and XXXX was most certainly going to fix this and was reversing the money and it would take XXXX days STILL NO MONEY IN MY ACCOUNT OR A CHECK PLEASE HELP ME!!
Product: Credit card or prepaid card

My Capital One XXXX XXXX credit card has a feature/benefit in which I am supposed to receive a {$200.00} credit for XXXX. I booked and paid for XXXX on XX/XX/XXXX - {$31.00}, XX/XX/XXXX - {$93.00} and {$74.00}. I contacted Capital One on XX/XX/XXXX because I wasn't credited and they said that I would receive the credit by the first week of XXXX. That date passed and I still don't have my {$200.00} XXXX  credit. Capital One needs to credit me back the {$200.00} that I earned for the XXXX  bookings.
Product: Credit reporting, credit repair services, 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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting with this CFPB complaint to update or remove the following accounts in my credit profile which is appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. Under the provisions of the FCRA, I need the following items corrected : XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$450.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2019 XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have 8 inquires on my credit reports from companies i never did business or re-apply for any other services from them on my XXXX I have 5 companies i never gave permission on did any business with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. Equifax i have XXXX, XXXX, & XXXX also same companies are on my XXXX XXXX, XXXX XXXX XXXX so i would appreciate your assistance in getting these companies remove from my credit report thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has and hard inquiry on my credit report from XX/XX/2018 can not get incontact with this company, I have never went into any car dealer to purchase a vehicle called the number that's on my credit report and it just goes to voice mail XXXX
Product: Credit card

My husband had a credit card with USAA. I was a authorized user of the card but never signed personally for the debt. My husband filed chapter XXXX bankruptcy. Usaa issued me a new credit card number, which they will not provide the full credit card number to me and transferred his debt to me. This was not my debt. I filed a dispute claim with the company but they did not answer my complaint. They call upwards of 20 times a week to collect this debt. I have talked to them and have asked to talk to someone who could make a decision or clarify there position. Sometimes I will be transfered 3 or 4 times. I need some help
Product: Mortgage

I've never been late on my gorgeous payment before.I put food on the table or pay bill.The first thing I do is pay my mortgage paymand i'm having problems with village ca7pital because they Deliberately took my mortgage payment and separated it the pay escrow. I don't understand because I've told him I have. A 100 % XXXX veteran 100 %. And I'm tax-exempt and I had insurance on the house before. I got refinance here. 
And they deliberately got insurance. Again on the house with the same company and I can received a letter and send him a letter stating that that we had double couples in the house and I sent them a copy of it and they did not get paid in full from the insurance company. They got partially back so they're charging me from my a** grow because they use my escort money for this insurance. And I have to pay it back and I told him that's not my fault. That's your fault. It's your mistake, not my mistake. You're the one causing the problems here and now my payments used to be. XXXX. 
XXXX a month and now they enough. At 6 months my down. My payment changeing. This is 9 months under the closure that my payment will not be raised and they raise it from the XXXX XXXX hours XXXX every month. 'S.A. Different crisis of my mortgage payment and it's, it's wrong because they wouldn't my credit the same. They charge me late fees. They told the credit company for the credit was even the month. XXXX was even over with they already reported me. That did I default it in my mortgage payments and I never have and it's outrageous at a corporation could just mislead and just destroyed my credit and everything else and make it look like I'm incompetent of my own to pay anything and I am I've been paying so I have all documents showing. That it's so bad that it's stressed me out. I've never been late on my mortgage payment. And they're saying I'm late because they separated my mortgage payment and put it in escrow. I don't know what they're doing with it, but every month it's always something different with the company. You know it's hard to explain but it's deceiving and it's wrong, what they're doing. They're trying to take my house for me and I've been paying them sirand it's wrong and I've tried every possible way with them to tell them that in my now, they want more money pay every month, that wasn't an agreement, you know, it was XXXX  months and they're you know, the school this whole thing 's wrong? My credit sold room did I try to get? We tried to get an extreme over cross-country. And they can't do it because my credit is from the XXXX sum down to XXXX. Now they destroyed my credit. And they're telling me that I have to actually work with them. And I can't trust his companyou know. I don't. I get {$4000.00} a month and end it and they want. They want to take all my money. And I would have insurance in the house and then. I got XXXXXXXX XXXX XXXX XXXX again. And they don't charge you mean more than what it's supposed to be?
Product: Credit reporting or other personal consumer reports

EQUIFAX, the credit reporting agency, is reporting an account from XXXX XXXX  ending in the numbers XXXX. This account and its balance do not belong to me. I have sent them numerous documents, including my XXXX  documents, an FTC report, an identity theft report, a police report, and more. Despite this, they continue to report this invalid, fraudulent account negatively on my credit report, which is affecting me greatly. 

This is a direct violation, and they are outside the allowable time to correct and process this. It is unacceptable and needs to be removed from all my credit reports permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my report and someone has been using my credit to obtain properties in there name and all sorts of things. they are reporting the information wrong on my report as well and not accurate on account amounts either. this is costing me thousands in interest rates this needs to be corrected asap wrong information XXXX XXXX  XXXX citibank card wrong amounts- i reported fraud to them and they have the worst customer service i have tried to reslove with them several times their intrest rates and wrong information is crazy its inaccurate and fraud they need reported for fraud hard inquires over 30days old some i have never even heard of nor done business with and to report accurate addresses because there are many addresses on my report that have to be removed wrong or inaccurate addresses XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX PL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  OH, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX  XXXX XXXX OH, XXXX -- -- -- -- -- -- -- -- -- -- -- -- - my name is spelled XXXX different ways on there its only one way its spelled and my aacount with macys was paid before it was closed so it shouldnt be reporting as negative its has been paid since 2021 on time and in full that needs removed and all closed accounts on my report they were paid on time and closed by me
Product: Debt collection

Ic systems Collection agency, Violated the fair debit collection practice act as well as the fair credit reporting act.

Violation number one : Section 807 false or misleading representation A debt collector may not use any false, deceptive, or misleading representation or means in correction with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 10 ) : The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

I called this collection agency who has already previously been notified by the three major credit for an agencies that this collection account what is the result of identity theft. I was amazed when I spoke to the representative XXXX XXXX. 
I notify this representative that I have a victim of identity theft and that his company has had several accounts in their system that have been removed for identity theft. I did notified him that this account popped on my credit report without any prior notification via mail, telephone call, or email. 
Ive been instructed him that I would like to have these accounts removed due to identity theft. XXXX XXXX XXXX told me that in order to have these accounts investigated, I would have to pay a fee of {$270.00} to another company called XXXX XXXX in order to have this account investigated and removed from my report. 

Me being a victim of identity theft has taught me to be very knowledgeable when dealing with fraudulent accounts. Enclosed is a recording of the phone conversation between me and the representative for IC systems. 

The recording was taken from a Texas phone number which falls under a one party state rule when pertaining to the laws of recording. Therefore, Permission was not needed since one party ( IC Systems ) was recording already. 

No person should have to pay to have an account removed under identity theft from a collection agency. This is a serious violation and requires serious attention. This means that if a consumer disputes an account with a credit reporting agency, and follows the guidelines correctly, in the collection and see the sides that they will not investigate but, report the account as accurate? This is a tactic used to force people to call the collection Agency so that they may manipulate the consumer into paying to have a wasnt account removed from their credit report.

This violation falls Under section 621. Administrative enforcement [ 15 USC section 1681s ].

( 2 ). Penalties.

( A ) knowing violations. Except as otherwise provided by subtitle B of the consumer financial protection act of 2010, in the event of a known violation which constitutes a pattern or practice of violations of this title, the federal trade commission may commit a civil action to recover a civil penalty in a District Court of the United States against any person that vio
lates this title. In such action search person shall be liable for a civil penalty Im not more than {$2500.00} per violation.
Product: Credit card or prepaid card

I have Comenity cards with Victoria 's Secret and Express. I have been trying to get into my account or call to edit my payment amount so it will not overdraft my account. The sites have been down for days and their phone number is not working. I should have been able to change the amount, and I was denied the opportunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this information due to the fact that on XX/XX/2020, I sent in an identity theft packet to two credit agencies for items that were not mine on my credit report. 
I received letters from the agencies so I contacted both agencies one agency took some information off my credit file and told me I needed to fax the ftcp image and they would take off the rest and then when I called back I was told it was not uploaded and then I got another letter saying it would be 30 more days which they have already been over 30days and they still have not removed the item and it's still on my credit profile and this item is not mine please have this item removed from my credit profile. 

Thank You,
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX   XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts with credit bureaus as I have no knowledge of them and they do not belong to me, but the accounts are still reporting : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX Credit Card account XXXX XXXX. XXXX XXXX Bank account XXXX XXXX. XXXX XXXX XXXX account XXXX
Product: Credit reporting or other personal consumer reports

I dont know exact dates. I know that I was charged for credit protection coverage that I didnt want and didnt sign up for and I was also charged fees from XXXX XXXX that I should not have been charged between the years of XXXX. When I would call and ask for the charges to be explained I got a bunch of double talk and excuses and I was told they would fix it and or credit my account which they never did.