23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Checking or savings account

On XX/XX/2021 I called a phone number I thought was the Customer support line for XXXX XXXX ( XXXX ) to request help with a problem with my XXXX printer. The person I reached identified himself as XXXX XXXX, a technician for XXXX. I allowed him to remote into my PC and he restored my printer function. He also told me that I had several ( XXXX ) drivers that were outdated and that my network was corrupted. He offered to install an encryption program for firewall protection and to update the drivers thus providing PC security protection. He indicated that this was an XXXX product and they would provide support. I purchased a XXXX subscription for {$350.00} paid by credit card on XX/XX/2021. XXXX said the firewall protection would take 2-3 weeks to install. I was directed by him not to sign into online banking or any other financial site so they could detect unauthorized sign in attempts/activity. During the months of XXXX and early XXXX, there were several times when my internet connection was interrupted. Each time XXXX contacted me by phone ( XXXX XXXX ) to tell me that as a result of the internet disconnection, the installation process had been interrupted and would have to be restarted. On XXXX received a phone call from XXXX telling me the internet connection was lost again. He directed me in opening a XXXX XXXX XXXX account to secure the {$350.00} cost of the encryption program in case they were unable to finish the installation. I didnt know about XXXX but didnt question XXXX request because he had given what I thought was good customer service and I trusted him. Guided by XXXX, the account was set up over the phone and I did not see what he was doing or know that he was entering my bank account information ( he had hacked into my online bank account ). In all about {$150000.00} was transferred from my US Bank checking into the XXXX account. The entire time, each notice sent from XXXX or my US Bank checking account of these transactions were deleted or hidden from view on my XXXX email account ( XXXX ). So, I was unaware of the unauthorized transactions. At this same time, XXXX once again advised me to avoid logging into my online bank account or any other financial site until the encryption installation was completed. Consequently, I was unaware of the activity occurring in my checking account. On XX/XX/2021 at about XXXX, I noticed an email on my phone screen that immediately disappeared. It indicated something about a {$28000.00} transfer of funds. It disappeared so quickly I wasnt able to see where the funds were initiated or where they were deposited. I quickly logged into my online bank account to find multiple withdrawals from my checking account. I immediately called US Bank Fraud Liaison Department, reported the fraudulent transactions and closed both of my active checking accounts. On XX/XX/2021, I notified XXXX of the suspected fraud and had the account frozen ( XXXX  XXXX # XXXX ).
Product: Credit card or prepaid card

My XXXX Chase credit card changed the interest rate on my credit card from 10 % to 15 % in XXXX, I did not approve this change, they did not make clear that this was one of the changes ( unless it was buried in microtype ) When I called to ask and was told about this I canceled my card. Called back to have any rewards accrued added to my account. They wanted to send me a text to verify who I was, I told them ( because I have a flip phone ) I would need to hang up to get any texts. They sent me to security who approved me, sent me back and still they wouldn't access my account. I tried this several times over a 50 min period, even had security stay on the phone so they could speak to their assoc. and still they couldn't help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Using the information on 'best practices ' that these credit bureaus provide, I have reduced my usage to below 1 %, paid off all outstanding debt, made all payments on time, etc. 

Today, XX/XX/2020, Overnight my credit score plummeted by 64 points ( Equifax ) and by 20 points ( XXXX ) because my credit card numbers were changed. According to the information that XXXX XXXX provided, those were the only change on my account. Even though, the explanation I received stated that the changed CC numbers should have no impact. 

Additionally, the length of the oldest credit is stated as just over 2 years because I paid off student loans a few months ago - which also has an impact on my score. So, because I paid off the loan, it no longer qualifies as 'oldest credit. ' It appears that the more I follow the stated 'guidelines ' that the credit bureaus provide, the lower my credit score. The rating system seems at odds with the advice that the bureaus provide and this is reflected in my credit. 

Perhaps the algorithm that calculates such things should reflect what the consumer is being advised or vice versa.
Product: Credit reporting or other personal consumer reports

There are accounts reporting on my credit that I have several times reported fraud identity theft they refuse to take it off my account t Ive called at least 100 ti, es nothing gets resolved. Chase Morgan bank is reiiryung I had an account with them for XXXX credit card. Ive never had an XXXX crest card before. They will not listen. On top of XXXX XXXX keeps also reporting Ive never had a XXXX XXXX XXXXredit card and now its in collection.
Product: Debt collection

CBE GROUP/XXXX XXXX & CBE GROUP/XXXX CONTINUE TO ADD THIS ACCOUNT THAT IS NOT MINE TO MY CREDIT FILE AND EVEN AFTER SUBMITTING MY FTC REPORT AND LETTER ( SEE ATTACHED DOCUMENTS ) THEY CONTINUE TO SWITCH UP DEBT COLLECTION COMPANIES TO PUT THESE ON MY CREDIT FILE. AN I HAVE REALLY HAD ENOUGH OF THE TRICKERY AND SCARE TACTICS THAT THEY ARE USING. XXXX HAS NOT REMOVED/BLOCKED/DELETED THE LISTED ACCOUNTS FROM MY CREDIT FILE CBE GROUP/XXXX, CBE GROUP/XXXX XXXX, XXXX. XXXX HAS NOT REMOVED/DELETED/BLOCKED- XXXX COUNTY RECORDER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed TransUnion written letter on XXXX, and advised TransUnion that I am a victim of their inquiry glitch. Moroever, requested the inquiries to be deleted off my credit report. have not received any correspondence from TransUnion, The follwing inquiries are part of TranUnion inquiry glitch which were requested to be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. These companies are blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing the organization to report any accounts on my consumer report therefore, the reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section, a consumer reporting agency SHALL block the reporting of 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. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE MY WRITTEN CONSENT TO THESE COMPANIES TO OBTAIN MY PERSONAL INFORMATION. Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft.
Product: Checking or savings account

Two fraudulent checking accounts were opened with TD Bank. I have spoken to the bank and they are closing the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX Name of original agency : XXXXXXXX XXXX  Name of collection agency : XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit card

For medical reasons i am required to eat a XXXX XXXX XXXX. XXXX XXXX offers XXXX XXXX XXXX so I ordered those but what i received is food completely covered-in salt. I tried to get a replacement order or a refund but this company refused. I closed my account with them, as I will never purchase any food from them again, and placed the charge in dispute with Discovercard. After a month a received an online notice from Discover stating the transaction is valid. It also stated that if i wanted to continue the dispute i would need to contact them as soon as possible. I immediately calked and told the rep that the dispute was no about a false charge but about not receiving the XXXX  necessary salt free food that i ordered and having to throw away what i received due to the merchants unwillingness to correct their own mistakes. Discover refused to allow me to continue the dispute and told me to work it out with the merchant-which I already tried to do repeatedly to no avail. I then called back and asked for a supervisor, who sounded like a high-school girl, and she said, thats a quality of food issue and we don't get involved in that. I explained that it wasn't something i didn't like or was over baked. This was an issue with a XXXX  XXXX  and the restaurant should not offer XXXX XXXX XXXX if they wont deliver them. The Discover supervisor did not care. I explained that I have been a Discover customer since XXXX   and have already pulled a large amount of funds from their bank. I also had to close my old credit card and open a new one because i was unable to remove someone I had added to my account-which seems ridiculous. The employees at Discover so not care that they chase customers away with horrid customer service. Discover obviously cares more about big corporations like XXXX XXXX who abuse their customers than they do a consumer like me. I wont be using Discover card again and Ill definitely never bank with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) and the date opened being reported ( XX/XX/XXXX ) is wrong. Please remove this account. 

Account Name : XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect DOFD ) and the date opened being reported ( XX/XX/XXXX ) is wrong. Please remove this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : The account is too old to be listed Instruction : The date of first delinquency is over 7 years ago ( furnisher is reporting incorrect Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason XXXX I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account DOFD ) and the date opened being reported ( XX/XX/XXXX ) is wrong. 
Please remove this account. 

Please see the attachments for more added detailed information pertaining to this investigation. Thank you!
Product: Debt collection

I was seen at this dental agency in XXXX of 2016. I went in for a routine cleaning and the dentist reviewed my x-rays and said I would need a crown, so an appointment was set for a week later, XXXX 2016. I had dental insurance and was pre-approved for full coverage for the procedure. When I arrived the head dentist said he was not comfortable completing the procedure because I had a high risk XXXX and was was XXXX months pregnant at the time. Thus I NEVER HAD THE PROCEDURE they keep trying to have me pay for. I did not know the debt was owed until I was contacted by PDQ collections. I then called the dentist and they shared the dentist was no longer there and could not confirm and the debt had already been sold to a collection company so was out of their hand.
Product: Debt collection

I have submitted certified letters to each bureau and each creditor, and I have still not received documentation that backs up the claim. I am writing you as my final effort to rectify the issue. 

The issue is with all three bureaus as well as the following collection agencies : XXXX XXXX, XXXX, XXXX XXXX and XXXX. 

Here is a recap : I sent a validation letter to each of the following companies listed below. I requested that they validate the validity of the debt that they are currently reporting on my credit profile as negative. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
To positively prove that a debt is mine, the creditor must provide the original documentation that I filled out and signed. 
They didnt even respond, and it has been well over 30 days ; almost 4 months to be exact! 
Besides, how do I owe a company that I have NOT agreed to do business with.? 
I have not signed anything with either of the companies listed above! 
Neither of the companies, including the bureaus have done their due diligence in providing supporting documentation or anything with my signature since XXXX! I am also requesting that you have them to delete this debt, immediately from all three credit reporting agencies, XXXX, Trans Union and XXXX, as the law requires!
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires were submitted in my name without my authorization. Personal Statement Someone has sent in fraudulent applications for credit using my name on loans and some credit card. This is very scary knowing things are being processed in my name with my knowledge. These are the following companies that ran my profile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquires were not made by me XXXX! And I have not given any autorization for anyone to do so. As of today I will be contacting the three major credit companies to place a lock on my credit file. Someone has placed fraudulent activity on my credit file.
Product: Student loan

Almost one year ago i contacted Navient about my student loan. The problem was that my payment was being raised from {$94.00} per month to {$300.00} per month. My income, {$XXXX} would not support such an increase. The Navient reps said that the account was up to dat e and therefore there was nothing they would do at the time. Once the account became past due they would reevaluate the account. During the summer I contacted them, usually speaking to someone in XXXX and the rep could not/would not do anything. Then when the account was past due, the res from XXXX would call, sometimes several times per day, including Sundays, and read from a script. When i asked a question that was " off script '' they became confused and went back to their script. I know it was a script because because it was exactly the same words every time. In XXXX XXXX I spoke to a female rep who said she was in Indiana and she suggested the income sensitive plan. She told me what I would need to do, where to send the info, and she assured me she was a supervisor and would make it happen. She brought the account up to date as her sign of good faith. The problem is that since that time I have received nothing from Navient. An email requested more forms, which were sent, but I never received a reply. Many times I spoke to reps and asked for the female rep who I had spoken to in XXXX. I was told that I could not be on an income sensitive plan because I was on an income based plan and would have to request to be removed from that plan. I did that and received a letter saying so. i also received a letter saying I was still on the income based plan and another saying i was on no plan. When I mentioned this to reps they told me that I did not have any such letters. It was not until early XXXX XXXX that a male rep, also from Indiana, said he researched the records and saw that what I was saying was true and that Navient had dropped the ball and failed to follow through. I have n't heard from him since. I have, however, heard from other Navient reps, including emails, threatening an a sundry of things since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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
Product: Checking or savings account

On XX/XX/XXXX I got paid and my check was {$940.00} and on the same day Navy Federal also took out a Returned item fee of {$29.00} for NO reason. I had all my money in my account. 

On XX/XX/XXXX I got charged two more Returned item fee charges of {$29.00} taken from my account for NO reason! I still had money in my account. 

On XX/XX/XXXX, I got charged a {$20.00} overdraft protection fee due to all the returned item fees and woke up to see I was NEGATIVE {$180.00} in my bank account!!! I was sick to my stomach and confused!!! When I called Navy Federal and they kept telling me is that its from my credit card payment to XXXX XXXX for {$30.00} and that my credit card company didnt clear it yet. Even though they clear it THE SAME DAY ITS PAID! I went back and forth with the lady from Navy Federal stating how that made no sense because that transaction has been cleared and I asked her to reverse all the over draft fees and returned item fees because everything I had paid for WAS NOT LATE and they were paid on time and I HAD MONEY IN MY ACCOUNT. She told me there was no way they could reverse those transactions so then I had to get loud with her and the best she could do for me was reverse 2 over draft fees of {$29.00} all I got back out of the - {$180.00} they robbed from me was {$58.00}. 

Absolutely awful. I do not want to bank with Navy Federal again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the following credit bureaus, XXXX, Equifax and XXXX to dispute the Hard Inquiries on my credit profile that I did not approve and had no knowledge. The items below was unauthorized and was asked to be removed from each credit report and the credit bureaus failed to provide any evidence that these inquiries were accurate and have not removed the items. 

XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX   Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX MXXXX XXXX Inquired on XX/XX/XXXX XXXX   XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX Inquired on XX/XX/XXXX XXXX/XXXX XXXX XXXX Inquired on XX/XX/XXXX