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

The entry in question is completely inaccurate, and I believe its been added to my report either by mistake or through fraudulent activity. This has already started to cause unnecessary damage to my credit and, frankly, is putting me in a XXXX  situation.
Product: Debt collection

This is a phishing scam sent through the actual mail ( not email ). I already reached out to KeyBank and confirmed its fraudulent nature. 

Letter stated your account balance has been accelerated under the terms of your contract. As a result, your full balance of {$50.00} is now due.. KeyBank may have provided information to credit bureaus about your insolvency, delinquency, late payment, or default on your account to include in your credit report. 

It then refers me to the following address be, ow to send payment. They also said I could call XXXX. 
KeyBank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I called key bank at a number on their website, not the number above, and they show no such loan or debt and confirmed it was phishing. Thought you should know.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

Source Receivable Management, LLC obtained my consumer report under false pretenses without a permissible purpose as required under the Fair Credit Reporting Act. I tried to resolve this issue privately without further legal action by offering a settlement demand in exchange for no further legal action to enforce my consumer rights. I would like to offer this final chance in good faith to resolve this issue. See attached complaint ( draft ) in which I intend to file in Federal Court if we can not reach settlement within 7 days upon receipt of this notice.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

I am urgently requesting your immediate attention to a critical matter involving identity theft, which has resulted in multiple fraudulent accounts and unauthorized inquiries being added to my credit report without my knowledge or consent. 

Despite numerous attempts to resolve this issue directly with the credit reporting agencies, I have not received any satisfactory response or corrective action. I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am now requesting the swift removal of these unauthorized items from my credit report. 

There are 2 fraudulent accounts and 5 unauthorized inquiries that must be removed immediately. These items are causing significant damage to my credit profile, and it is crucial that my credit report reflects only accurate and legitimate information, as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

[ ACCOUNTS ] -XXXX XXXX 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/year> I am requesting the Consumer Financial Protection Bureau ( CFPB ) to take immediate action to ensure these fraudulent items are removed and my credit report is restored to its accurate state.

Thank you for your urgent attention to this matter. I look forward to a prompt resolution.
Product: Debt collection

Midland Credit Management has continued to garnish my wages after I have the account paid in full. I have given them evidence of my both my accounts being paid in full and they claim they havent sent out satisfaction of dismissal of judgement or a garnishment release letter to my employer. As of today, I have been garnished for the last three weeks totaling over XXXX dollars. They claim that there is still over XXXX dollars to be paid. I filed a dispute and asked for a detailed account of my payments. They stated that my dispute would take 90 days, and I would continue to get garnished. They said that I could cancel my dispute without guarantee that my account would be corrected and that the garnishment would still be continuing knowing that on my checks I have already had XXXX extra dollars that they owe me back now that went to them after having it paid in full. I need this money, I am a single dad of XXXX XXXX and I have just made sure that my balances were paid in full so that I could continue to pay off the remainder of my debt and I need this garnishment to stop ASAP. I never filed for an installment order and I believed that I needed to make sure that I am paying this debt off through my wages at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity. My XXXX XXXX credit card : XXXX is lost/stolen. Someone cancelled my XXXX XXXX credit card account. I never called XXXX XXXX to cancel my account. There are some fraudulent and unauthorized charges on my XXXX XXXX credit card account. I want XXXX XXXX to send me a new credit card with a new account number.
Product: Credit card or prepaid card

On XX/XX/22 Amex processed a {$150.00} charge to my account after having downgraded my Blue Cash Preferred card to a Blue Cash Everyday card. Their reasoning The terms and agreements do not specify " clawbacks '' regarding downgrading within the first year. The terms regarding revoking credits is general ( " ... can be revoked at any time '' ), too general to be enforced fairly. The rep was unhelpful in resolving this. Per the same rep, I can not undo this downgrade of my card. 

ticket # : XXXX active with Amex
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate information reporting n my credit report. I have made 4 attempts to resolve this issue ; however, I have not received any corresponding at all. My first attempt via mail was made on XX/XX/2021. They have not been able to validate this account XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I started a business account with Truist bank XX/XX/2023 I've had a total of 2 check deposits with one not being honored because it is a large lump some. The check was cleared by the issuing bank XXXX XXXX XXXX XXXX I waited the 7days needed since I was a new account and in result they are still holding the released fund from the other bank and closing my account because I asked for answers, Truist is the worse bank EVER and any companies/businesses looking to open an account with them should beware.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is NOT fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them ASAP. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the XXXX  data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a formal complaint against Transunion, XXXX  and XXXX  for FAILURE TO INVESTIGATE OR REINVESTIGATE multiple inaccuracies on my credit file. 

These credit bureaus are in violation of FCRA because they 1. Willfully and recklessly reporting false information after being notified of the error and failing to investigate or correct the error. 

2. Failure to respond to a dispute within 30 days 3. Failing to provide the method of verification. Including the real name, address, and phone number of the furnisher within 15 days of your request.

4. Failing to notate that an item on your credit report is under dispute after a creditor or debt collector has reported the dispute.

5. Failure to provide all relevant info ( sign contracts, etc ) In XXXX I contacted several collection agency 's including XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX  requesting to validate the alleged debt. These collection agency 's never responded to my request. 

In XX/XX/XXXX I contacted Transunion, XXXX, and XXXX  requesting an investigation in which the results returned as verified and met FCRA standards. How is this possible if the collection agencies never responded to my dispute request? They also never even notified the collection agencies that I was disputing the debt. 

In XX/XX/XXXX I sent a follow up request asking that the accounts be verified, which grants them 15 days and they never responded in the allowed time frame as well. They continued to report the accounts were verified. 

In XX/XX/XXXX I sent a third request again asking to have these inaccurate accounts, removed and updated. My request has once again been ignored. 

THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER. 

TRANSUNION, XXXX  AND XXXX  HAVE ALL FAILED TO CONDUCT PROPER INVESTIGATIONS AND DELETE THESE INACCURATE ACCOUNTS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an automobile ( lease car ) XXXX installment account in my XXXX online account that was settled and paid by insurance back in XXXX XXXXXXXX ( someone hit my car and the insurance concluded total lost on that vehicle ), and the insurance of the driver ( who hit my car ) agreed to cover the loss. However, on XX/XX/XXXX, XXXX sent me a message saying they have a result on my dispute and they will update it on XX/XX/XXXX. And then on the very second day ( XX/XX/XXXX ) XXXX immediately decreased my credit scores by XXXX points without any reason ( my scores had always been around XXXX for all these years! ) and since then I saw a late payment error in my XXXX online account ( not in my credit report )! The XXXX account that I disputed was paid and closed as agreed, it was NEVER LATE. So I tried to call the XXXX ( and Transunion ) many times over the last 3 years but the representative were always telling me that credit score is the underwriter 's job and they can not do anything about it because they are just the representative. I checked on my XXXX online account it says I have a serious delinquency ( late payment for over 60+ days ) which is NOT TRUE because I have NEVER had any late payment! I checked my credit reports ( from all 3 credit bureaus there was NO LATE PAYMENT ). This happened to Transunion too because I checked when I logged in into the Transunion online account I saw a late payment error ( over 60+ days late ) that was not supposed to be existed. Same thing Transunion credit report showed no late payment, only in their online account it said late payment. I couldn't dispute the mistake both XXXX and Transunion make on my online account. I tried to dispute the problem but because it was not in my credit reports but it was in my online account, they didn't do anything to fix the problem when every time I called in ( to both XXXX and Transunion ). And because of this, my credit scores went down significantly for the last 3 years and I still can not find anybody from XXXX or Transunion to help me look into that. Please help me I am feeling helpless. This error existed for more than 3 years but BOTH XXXX and Transunion refused to check on their mistakes. They should not decrease my credit scores without properly checking on my account. My credit scores were ALWAYS between XXXX and I have never once forgot to pay my bill! Please let me know if I need to submit my 3 credit bureaus ' credit reports to support my evidence!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX XXXX XXXX  IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Credit card or prepaid card

My card was lost/stolen on the evening of XX/XX/2022. There were XXXX charges that I did not authorize at a bar/lounge/restaurant called XXXX XXXX  XXXX XXXX  for XXXX and some other place called XXXX XXXX for {$20.00}. When I became aware of the charges the next day on XX/XX/XXXX, I reached out via a chat in the banking application to dispute the charges and replace my debit card. I was informed because they were pending charges that I could not file a dispute until they were finalized. The next day on XX/XX/XXXX, I saw that they had become finalized and completely overdrew my account. I reached out and filed a billing dispute via the company ( Chime ) application. On XX/XX/XXXX, I was notified that my dispute was was denied, but I was provided no reason as to why. 12 days later ( today ) I have still not been notified nor have i recieved a response from chime.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed there were fraudulent inquiries on my credit file. I have no knowledge of these hard inquiries and they do not belong to me. I have a fraud alert on my credit file and was not notified of someone applying for credit in my name. My phone number is listed on my fraud alert and no one contacted me to validate if I was applying to extend credit. These are fraudulent and needs to be deleted immediately off my credit file. I reached out to the creditors and they wasnt able to provide me with any information on the inquiries or who attempted to get credit in my name. The inquires are listed below : XXXX  : Factual Data XX/XX/20 XXXX  : XXXX XXXX XXXX XX/XX/20 XXXX  : Factual Data XX/XX/20 XXXX  : Factual Data XX/XX/20 XXXX  : XXXX XXXX XXXX XX/XX/20 Experian : Factual Data XX/XX/20 Experian : Factual Data XX/XX/20 Experian : XXXX XXXX XXXX XX/XX/20
Product: Debt collection

On XXXX of XXXX, XXXX, I was contacted by a person identifying herself as " XXXX '' from what she called " XXXX XXXX XXXX XXXX '' from telephone number ( XXXX ) XXXX. She directed me to contact XXXX XXXX XXXX law firm in regard to what she called a " pending summons ''. I contacted this number 28 times before finally receiving a response from a young man whose name I did not get. I provided him with the pending case # XXXX XXXX XXXX as provided to me by XXXX. He looked up the information and indicated it was for a credit card debt through Chase bank. I did have a Chase bank credit card. But that card account was closed and has had no further activity on the account since approximately XXXX of XXXX, which places it way past the statute of limitations. I was unable to ascertain if there was a real court case anywhere.
Product: Debt collection

On Sunday XX/XX/XXXX porfolio recov assoc XXXX XXXXalling harassing me about a debt I don't owe under a name that I don't recognize I tried to tell this people to stop calling me but they kept on going.
Product: Credit reporting or other personal consumer reports

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Have received emails from Synchrony Bank - one as follows : A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER Inbox x Synchrony Bank XXXX XXXX XXXX  ( 6 hours ago ) to me Note : This email was sent to you by Synchrony Bank, the issuer of your AMAZON CREDITBUILDER Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your AMAZON CREDITBUILDER Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, USA. 

This is an unmonitored email box. Please do not reply to this email. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/.

The other was a blank email from the same address titled : Action Required on your Application. 

THE PROBLEM IS, I DO NOT HAVE, NOR DO I WANT, AN AMAZON CREDITBUILDER ( or any other account ) from Synchrony Bank. 

I attempted to call their customer service, and, after 30+ minutes of waiting, finally reached " XXXX # XXXX '' who first claimed they were sent in error. I asked her when they were going to issue a retraction, and then was told, " Oh, we're researching who sent them '' and then " Oh, they're phishing emails, ignore them. '' IGNORE THEM????? If they're physhing emails, then when is Synchrony going to admit they've had a data breach????? 

Request your assistance in finding out what's REALLY going on!
Product: Debt collection

The original debt was from an old XXXX XXXX Credit Card Account. Midland Credit Management Inc was not the original credit card company nor were they represented as a collections agent for XXXX XXXX, even though they say they are. XXXX XXXX confirmed that Midland Credit management is not the debt collector on this account. Midland Credit purchased this debt from XXXX XXXX and then sued me saying that I owed the money, even though I did not have any credit or an account with them. 
I went to court and explained the situation but the court said that even though they aren't the creditor and are not the collection agency for XXXX XXXX, hey have the right to sue me anyway. 
This was on XX/XX/2021. 
I have paperwork that shows that the amount that the court decided that I owe is {$2000.00} which is the amount that I owed XXXX  XXXX. I have legal paperwork from the court that is notarized by the courts, which shows this amount. 
Midland Credit Management insists that I owe them {$2700.00} and that they are not honoring the agreement because no such agreement exists. They claim that the court awarded them {$2700.00}, even though the notarized paperwork says {$2000.00}. 
They are fraudulently trying to get me to pay more than I owe, and are constantly harassing me and threatening to sue me again for even more money plus court fees. They even hired the XXXX XXXX Sheriff 's Department to serve me paperwork stating that I need to list all my assets that the Sheriff 's Department would confiscate and surrender to Midland Credit management.
Product: Debt collection

2019 attemted sue XXXX portfolio associates llc vs my self law suite case filed in XXXX tx court came home from work one day had my door bell rang an handed a law suite . 
called portfolio associates an asked them what the XXXX was going on was informed i either pay the debt or go to court. not one call or text or anything just boom here lets go to court an were going to sue you. i ended up making payment arrangements where they sent me nasty threatening letters to get me to make sure i kept up with amount of i forfeit what i paid an still owed original amounts. 

card was charged off an done with said credit card company. then i was being sued basically trying to squeeze in at statue of limitations in tx to force me to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$7000.00}
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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