23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX Account number XXXX Subject : Request for Removal of Unauthorized Inquiry Pursuant to FCRA Section 1681b ( a ) ( 2 ), I am writing to file a complaint of unauthorized inquiry that appears on my consumer credit report.

Pursuant to Section 1681b ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I did not provide written instructions or consent for the disclosure of my personal information for the purpose of obtaining a consumer report. This unauthorized inquiry is in violation of FCRA regulations and constitutes potential identity theft. The unauthorized inquiry has resulted in credit denials, causing significant financial harm and potential damage to my creditworthiness. Under Section 1681n-B of the FCRA, I am entitled to pursue civil liability for willful non-compliance, with potential damages of up to {$1000.00}. In accordance with FCRA guidelines, I request the immediate removal of this unauthorized inquiry from my consumer credit report. t.

Thank you for your attention to this urgent matter. I trust that you will handle this complaint in accordance with FCRA regulations and take appropriate steps to resolve it promptly.

thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXXXXXX According to 15 ucs 1681b. ( 2 ) you do not have my written instruction to share this account, if so please show me any sign contract that I gave you instruction to share this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this case because XXXX, XXXX, and Experian are reporting a bankruptcy on my credit report. They have informed me that the method of verification was through XXXX and the United States Bankruptcy Court Southern District of Texas which is FALSE. I am attaching a letter from the Bankruptcy court and XXXX proving this. The US Bankruptcy court has stated that they do not report information to or remove information from the credit bureaus and it is unverifiable. XXXX reviewed my request and determined that the data reported was unverifiable and that it has been removed. 

XXXX, XXXX and Experian are falsely stating this information on my credit report and have yet to remove it.
Product: Credit reporting or other personal consumer reports

Experian continually sends me these stall letters and they refuse to process my disputes and its been going on for quite sometime and I am sick and tired of it and it needs to stop and Experian is not throughly invitagating my disputes and they fail to let me know what their method of invetagation was they are not checking for complete accuracy or completeness Its an account in question that Experian continually comes back as verified but its missing part of they payment history and its listed as an unsecured account but it reporting I made payments from a savings account that would make it an secured account and they are commiting fraud saying I made payments and I have never made payments on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Department of Edu XXXX XXXX XXXX XXXX, are duplicated so many times that there's a total of 21 accounts reporting all inaccurately reporting information too. 
XXXX XXXX XXXX XXXX are both past 7 year reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again, demanding validation of the late payments on both accounts. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had perfect credit for over 20 years and since I had several credit cards, I always had my billing statements mailed to me. I never agreed to electronic statements due to the number of credit card bills I had to keep track of. The company that I am filing a complaint about NEVER sent me a paper statement via USPS and since I did not receive a paper statement OR email from KOHLS, I forgot that I had a balance with them. I received a call from a customer service representative in XX/XX/2019 and she told me that I had an outstanding balance of over {$600.00}. I told her that I never received a statement from them. She stated that I signed up for paperless statements -which was not true at all. If I HAD signed up for paperless statements, then I should have received an email notifying me of the bill. I never received any emails from Kohls. I checked my spam as well as my trash folders and I didn't find any emails from Kohls. I feel that I should be given some leniency as my credit has always been good and that was the first time in 21 yrs that I have ever had an issue with a biller.
Product: Debt collection

The debt collection agency Transworld Systems Inc has reported a collection account to the credit bureaus on my credit report. The account relates to my past tenancy at a residential apartment. This collection agency collects on behalf of landlord, XXXX XXXX XXXX XXXX, and their associate property manager, XXXX XXXX XXXX, who are notorious for engaging in illegal and deceptive practices of charging the accounts of the tenants with amounts which are not authorized by the lease agreement. And if left unpaid, they report them to the credit bureaus via Transworld Systems Inc, so that the tenants can be blackmailed into submission for paying these amounts by affecting their creditworthiness. 

My account with the landlord was charged with amounts which are expressly barred by law of state of Indiana. And Transworld Systems Inc, which is acting as the collection agent, is accessory to the illegal schemes of the landlord and their associates, by assisting the landlord in collecting these illegal claims in gross violation of FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

My student loans were forgiven in XX/XX/year>XXXX  pursuant to the Public Service Loan Forgiveness program after I completed my 10 years of qualifying payments. My loan servicer was Mohela. And my balance according to Mohela and XXXX is {$0.00}. 

The balances on these loans should be XXXX on my credit report but it doesnt appear that Mohela has told the credit reporting agencies. My credit report still shows balances of : {$6300.00}, {$10000.00}, {$27000.00}, {$45000.00}, and {$43000.00}.
Product: Checking or savings account

My wife and I have a joint account with CITI Bank. We received two checks. One from the IRS which was our tax refund and the other from The Small Business Assoc. We received a letter from CITI Bank stating that they are going to cancel our account in 30 days due to fraud. Im not sure if those checks are related to the closure or not, but we can not access the account, we can not pay other bills from the account, and we can not withdraw from the account. We have Excellent Credit, we have been in good standing with all of our accounts. 

We contacted CITI Bank and spoke with several representatives in the Fraud Department and Customer Service. We were simply informed the account is closed and they will not help any further and the call will be disconnected. They then disconnected the call. 

I would like to know ( Exactly ) why my account has been frozen. Why is it standard for every representative in the company to ignore my pleads for help when fraud  is detected? Why has the company failed at the most general level of Customer Service to provide me help instead of ridicule and mistreatment as if I am a criminal? Why would it take 30 to 60 days to give me back my money? Why was I not notified if there was an issue of fraud on my account, instead of notifying me, they simply closed the account. They have effected all of my businesses personal and professional. Below I have filed a complaint with the XXXX XXXX XXXX. If this Company suspects Fraud, then they should contact the FBI, or DOJ and have Federal Charges brought up against me. But they cant because we have done ABSOLUTELY NOTHING WRONG. I will supply whatever documentation needed to support this claim. Secondly, if they do not want to do business with me, then refund ALL OF MY MONEY. Waiting for my money for 60 days while it sits in their account and accrues interest is theft on behalf of CITI. I am FURIOUS! We are in the middle of a Pandemic and RaceRiots and we have XXXX dollars in our account because someone decided XXXX is to much to have in an account. 

This is in reference to your complaint against Citi. Your complaint was assigned ID # XXXX
Product: Debt collection

XXXX XXXX Reporting : Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX XXXX,. XXXX, TX XXXX. 
XXXX REF # XXXX I spoke with XXXX  customer service about closing the account. I was told at the time time of closure I would be billed for any remaining balance and then the account would be closed. I was told by XXXX XXXX Department the exacat same information. I was told by XXXX. XXXX  supervisor ID XXXX the same thing, and that my account was not flagged, delinquent nor were there any notes indicated that I ever owed any money. 

I have spoken to multiple Credence Resource Management ( CRM ) representative as well as three XXXX representatives on the phone. Recently I spoke with XXXX XXXX, a ( CRM ) supervisor, who refused to help resolve the issue. 

I now get harassed and I have spent more than 6 hours trying to fix a {$120.00} error that is not mine. It's obvious that this is an error and should be zeroed out. 

Please resolve this now and let me know when it completed. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have contacted Ally Financial several times over the last 6 months and asked them to accurately report my account information to the credit bureaus. my credit reports reflect {$52000.00} balance and my actual balance is {$49000.00}. this has been going on for months. they are also reporting 30 missed/ late payments which is incorrect. I have only been late 1 time. Ally representatives keep telling me I have to wait 45 days for them to investigate it. it has been 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
Product: Debt collection

Good afternoon, I have received notifications ; via phone on XXXX/XXXX/2015 @ XXXX your collection agency left a voicemail violating federal laws ( FDCPA ) I called back to see why are they disclosing information over a voicemail. 

When calling back @ XXXX XXXX I spoke with XXXX in XXXX office, he started to give me my personal information like, address, last XXXX of social ( I did not he did, without even verifying who he was speaking with ) He then stated that I need to be transfer to XXXX XXXX, he then started to informed me that it was for XXXX XXXX and the amount I was due for. 

Again collecting and violating federal laws ( FDCPA ) he failed to mini-miranda me before disclosing the reason of the call. 

I then asked to speak with the supervisor ( XXXX XXXX ) to have my account closed out at a {$0.00} balance due to many federal laws being violated to the consumer.
Product: Debt collection

On XX/XX/XXXXXXXX  and XX/XX/XXXX Letters were sent to all 3 credit reporting agencies. 
Each agency stated that they verified all accounts without providing evidence of verified account documentation. On XX/XX/XXXX I submitted a claim with CFPB and all reporting agencies stated that the information they provided were verified though i did not receive not one document of verification. 

The information regarding a XXXX XXXX XXXX  account i never opened with a limit of {$700.00} should not be on any of my accounts. I closed it for the reason that i never approved it to be opened and never used the credit line. This account should be deleted. 

Somehow XXXX XXXX XXXX XXXX i have over 3 accounts with the same bank that is in collections with no verification that they are mine and i have no recollection of opening an account excluding one which has been paid and closed for the amount of {$170.00}. 

On XX/XX/XXXX There is a XXXX XXXX XXXX XXXX account that is stated by the credit reporting agency of a balance of {$2800.00}, Credit Limit {$2500.00} date reported XXXX However, on XX/XX/XXXX reporting statement says Balance {$4500.00} and amount pass due {$2600.00}. The previous amount pass due on XXXX  stated {$930.00} with date of reporting XXXX  on each document in XXXX 

There is also a XXXX XXXX XXXX XXXX XXXX account with {$1600.00} balance due with charge off amount of {$2800.00} on credit report XX/XX/XXXX. 

Credit agency stated " verified account and information has been updated '' with no documentation of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX  inaccurately reported to all 3 credit bureaus that my vehicle was charged off in XX/XX/XXXX. I have had an active account with XXXX XXXX  since XX/XX/XXXX, and my vehicle has never been repossessed or charged off. Prior to the reporting, I contacted XXXX  customer service on XX/XX/XXXX to question why my XX/XX/XXXX payment was reported to the credit bureau as being late. I paid the XX/XX/XXXX payment 8 days prior to the due date. I also questioned why my XX/XX/XXXX payment was never reported. The rep I spoke with had horrible customer service skills. I requested supervisor assistance and the rep stated the supervisor was not available and disconnected the call. I reached out to the corporate complaint office and left a voicemail. XXXX XXXX called me back and appeared to be concerned and eager to help. She confirmed that my XX/XX/XXXX payment was made within 22 days, and my XX/XX/XXXXand XX/XX/XXXX payment were paid. She also confirmed that the next payment due was not until XX/XX/XXXX. She assured me she would look into the issue and call me back. I never heard back from XXXX XXXX. A week later I left her a voicemail requesting a follow-up. To date, XXXX XXXX has not returned my phone call. I received a letter in the mail from XXXX XXXX. I have included a copy of the letter with this complaint. The letter states XXXX XXXX   will correct the information with the credit bureau to show no credit mark for the month of XX/XX/XXXX. How horrible!! The company has not reported for XX/XX/XXXXand instead of correcting XX/XX/XXXXthey chose to report no mark. What they actually ended up doing was reporting my account as a charge-off. This is absolutely ridiculous for a major corporation, its adversely affecting my credit report and credit score, and is a poor way to treat a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report on XXXX, and noticed several credit inquiries on my credit report that I did not authorize, as well a XXXX XXXX XXXXXXXX which I have never filed a Bankruptcy I'm afraid I might be a victim of Identity Theft. I contacted the credit bureaus back on XX/XX/2022 to dispute these items and was informed by the representatives at each bureau to file an ID Theft Report with The Federal Trade Commission.
Product: Checking or savings account

I came in to make a withdraw, after leaving noticed my account was negative. I immediately told the teller to return the money. I asked if there was going to be a fee, it needed to be reversed, she said to call customer service. I told her, i wouldnt as they are a joke and that i would back to the branch to fix the issue. She said yes. Next day, with the fee. I headed to the bank. She quickly dismissed what was mentioned yesterday began rolling her eyes and with a heavy sigh brushed me off when i asked to speak with a manager. ( XXXX XXXX )
Product: Payday loan, title loan, personal loan, or advance loan

I was offered a loan of {$16000.00} with my vehicle as collateral. Today when they called to finalize the loan, I was told I must refinance my vehicle with their company and that they would only give a loan for {$3700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX here, and I'm complaining about some false information I saw on my credit report. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. The following is a list of the bogus items I discovered on my Credit report that need to be deleted right away : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2500.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$3500.00} XXXX  XXXX XXXX Balance {$460.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXXXXXX Balance {$170.00} XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX Balance {$140.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$1700.00} XXXX XXXX XXXX  XXXX XXXX Balance {$52000.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$85000.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit card or prepaid card

My husband XXXX XXXX X/XX/2017 ( he went to bed a healthy man and just after XXXX had a massive XXXX XXXX. My daughter and I did XXXX on him while waiting for XXXX to arrive ) a few days later I called to let CHASE CARD know. They repeatedly asked to speak to my husband to get authorization to talk to me?????? Totally upset I handed the phone to my aunt ( not even my husbands aunt ... .MINE ) they spoke to her!!!! They changed the card to me being the primary ( after my husband XXXX XXXX ) without my authorization ( Iwas originally only an authorized user ) I have requested repeatedly that something/anything be mailed to me showing that I gave authorization for this change. They did mail me a copy of the original application that shows my husband as the primary, no secondary and me as an authorized user only. After receiving this they still refuse to remove my name from the card and asked me to mail them a copy of this????? They mailed it to ME why would they then need me to mail it to them? The ENTIRE time that we had this card I would have to have my husband call to give authorization for them to speak to me about anything except making a payment. They also closed the card ( not me ) they continue to call and harass me, They called me 3 times ( even after telling them where i was ) while I was at the hospital waiting while my daughter was having XXXX XXXX!!! They are ruining my credit and will not wash the balance on the card and leave me alone. I would like to have my name removed from the fraudulently opened card, have the balance removed from the closed card and have my credit restored. ( XXXX has already done this XXXX XXXX has not as of yet ). I have repeatedly asked them to turn it over to an outside collection agency as an outside agency will require them to prove this is my bill, yet they continue to try to collect internally.
Product: Checking or savings account

The situation happened when XXXX XXXX  charged me XXXX instead of the authorized {$28.00} and XXXX XXXX refused to correct the problem and told me to dispute it with my bank Bank of America which I did. Bank of America after 90 days and loosing my dispute and resubmitting ended up denying it.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax 's website, my personal information was affected in the latest data breach that occurred from mid-XXXX through XXXX 2017. This breach occurred as a result of Equifax 's failure to take a reasonable, prudent level of care to protect the information from theft. As a proximate result of Equifax 's failure to take proper care, my information and the information of approximately 143 million American consumers was stolen by unknown persons, and may be used to commit crimes and other harm against myself and/or others, either now or in the future. The potential harm that I face as a result of Equifax 's failure to take reasonable care ranges from simple theft and inconvenience, all the way up to total financial ruin.
Product: Money transfer, virtual currency, or money service

I received payment on XX/XX/2020 of XXXX through My PayPal account was restricted after that and since then I havent been able to use my PayPal or access my funds. 
After reaching out to PayPal support I was told the funds will be held for you 180 days and I will have access to it after that but I still wasnt able to access the money after the said time. 
I reached out again to know what is going on and I was told I they will contact me which they failed to do also.
Product: Mortgage

XXXX and usaa has miss used my money they add a new mortgage company to my bill pay never told me took funds from my account without permission send proof of notification why was this done i about to loss my behind this slick XXXX XXXX XXXXhis had to be done by XXXX XXXX and XXXXXXXX XXXX usaa took XXXX thosand form account to pay me are fundd o to and errow of theirs to date the are missing.
Product: Debt collection

TEK Collect debt collectors representing XXXX XXXX XXXX. XXXX XXXX XXXX went out of business and failed to provide product and services that were promised and paid for. I submitted a claim before but l am requesting a reinvestigation because I believe the process was done electronically and the verification process was not thoroughly done by a person. I included a letter from XXXX XXXX XXXX explaining they would not be able to provide what was promised. 
Even though I paid for the services in full. 
TEK Collect does not have my correct payment information. I requested proof of my last payment, the date and the balance, which they did not provide. 
XXXX XXXX XXXX also violated XXXX by giving my information which included medical conditions disclosed upon receiving dental/ medical treatment. 
Please reinvestigate this incorrect claim and require TEK Collect to remove negative info from my credit reports.