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

I am a victim of identity thief. To protect myself from future issues I have placed a freeze on all three credit reports and a fraud alert. However I am still seeing inquires on my Transunion credit report that needs to be removed as I did not apply nor consent to the following inquires. XXXX XXXX  on dates XXXX AND XXXX. However last year in XXXX I did apply for a auto loan and credit, those XXXX are valid dates XXXX and XXXX. Lastly XXXX XXXX XXXX XXXX  sent me a check in the mail in XXXX to deposit into my account if I wanted to. I did take it however a credit inquiry should not have been added to my credit report being that it was already solicited and approved. I spoke with the company and they agreed to remove the inquiry however it is still reporting. To prevent this from happening in the future I have I have frozen all XXXX credit bureaus. Please remove the fraudulent inquires from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act my rights have been violated by -XXXX  # XXXX 15USC 1681 SECTION 602A states I have a right to privacy ....

15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instruction These two violations are more then enough needed to remove that account
Product: Checking or savings account

Incident happened with Chime Bank on XX/XX/2023. I was contacted through their phone number XXXX by someone in their fraud department. He said that my account had been compromised and that they were going to put my account under a 24-48 hour surveillance. He walked through the steps to help me change my password to : XXXX. He called me 2 times through the bank number and sent me several texts through the Chime texting thread. He sent a text telling me it was a fraudulent charge that will drop off, but he wanted to be sure the system was working.The last text says " Glad that was you. The transaction was declined, but you have 1 hour to try this transaction again. '' Later that day I checked my account to verify everything was okay, and money had been transferred from Chime Credit Builder to my Checking acount in 2 transfers of {$1000.00} and {$200.00} ; and then there were 3 transactions to XXXX in the amount of {$200.00} in XXXX XXXX, FL. ( I live in XXXX, OK and am XXXX XXXX XXXX female. ) That is a total of {$610.00} gone from my account without my knowledge. 

Chime has denied my request 3 times. I have provided screen shots showing that the calls did come from Chime, and of the texts I received from their system. You can see the time I was on the phone coincides with the times the money was transferred and spent. 

I have filed complaints with XXXX and FBI and now your Bureau. Please contact me with any questions or if you need more information or documentation.
Product: Credit reporting or other personal consumer reports

I discovered errors on my credit report related to my name. Despite submitting proof of my correct name, the errors have not been corrected by the credit bureaus : XXXX, XXXX, TransUnion ). 

I initially contacted the credit bureaus on XX/XX/year> I provided proof of my correct name, including ID, and other documents. 
I have received automated responses but no resolution to the issue. 

These errors are impacting my ability to get a loan Received automated responses but no resolution. XX/XX/year> I requested that the name errors on my credit report be removed. I sent in proof of my name and requested they remove name errors as well as associated accounts with name errors such as XXXXXXXX XXXX and XXXX XXXX XXXX I keep getting automated responses - filing complaint for
Product: Credit reporting or other personal consumer reports

I did not authorize this credit inquires EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXXXXXX ( Miscellaneous ) XXXX XXXX XXXX XXXX Finance ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection several months back on my credit reports and contacted Rash Curtis to reach a resolution.

After a bit of back forth, my wife and I finally decided to go ahead and pay the collection with the stipulation that Rash Curtis would remove the collection FULLY from my credit reports. I only agreed to pay any amount because I felt this was the quickest way to get the collection removed from my reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports.

Flash forward six months and the collection is still reporting! I am demanding that Rash Curtis sticks to the agreement and requests the deletion of this collection from the three credit bureaus.
Product: Credit card or prepaid card

Good evening, When looking over my expenses to file my XXXX taxes. I noticed amounts on my account from XX/XX/XXXX, that were not returned to me nor did I charge to my card. 

There are a total of 5 transactions from XXXX on this day. Out of the 5 I only did 2 of the transactions. The two that are correct are {$100.00} and {$6.00}. The 3 transactions that I did not do and tried to dispute with XXXX and Chase are {$90.00}, {$48.00} and another for {$48.00}. 

I called XXXX on XX/XX/XXXX to dispute the charges and submitted all information and evidence to support the disputes via email. After a week I followed up with them and they told me there is no other transactions that they see other than the 2 transactions of {$100.00} and {$6.00}. They told me I have to dispute charges with my bank. 

I called Chase on XX/XX/XXXX to dispute the charges of the {$90.00}, {$48.00} and {$48.00}. They told me because the charge is past 60 days there is nothing they can do and to reach out to XXXX for them to credit back to my account and thatI should have payed attention to my statements that I don't get in the mail or sent to me might I add. 

So again, I called XXXX spoke to a supervisor on XX/XX/XXXX XXXX Who said under that store that day ( XX/XX/XXXX ) under my card number and under my transaction history they have no record of the additional 3 transactions. They sent me emails of the receipts that are accurate of the transactions that are correct and a email from the supervisor reassuring that there are no other charges on their side. They told me I would have to contact Chase back. 

Today XX/XX/XXXX. I called Chase and spoke to a supervisor by XXXX who refused to do anything even with all the evidence I have to support that XXXX has no charges on their end and even though XXXX is not fighting these charges that I did not make because again they can't open a dispute past 60 days. Even though the dispute is with the bank holding the funds instead of crediting it back, they still refused. So I told them I would file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the account listed below is reporting erroneously & are inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX  XXXX
Product: Debt collection

The Company PHOENIX FINANCIAL SERVICE has been calling my job and my personal cell phone repeatedly. I have advised them NUMEROUS of times that the medical bills that they are saying that I owed was already PAID for by my MEDICAID ( even provided my Medicaid ID number ). I also have evidence from the three Credit Bureaus that this was paid and already taken from off of my credit reports. Its for {$1200.00} and {$34.00}. I have sent letters repeatedly showing them that it was taken care of and paid for by Medicaid. Today I got a notice that they added this back to my Credit which made my score dropped nearly 100 points. They are stating that they are also Lawyers and laughing when I am telling them that I have proof this is paid for. I work for a XXXX XXXX and would like to take legal action if this is not removed from report and that they also need to stop calling me a harassing me. I am at work right now, but I will upload and send in all proof that this was taken care of no later than tomorrow. 

This is the Companies Information PHOENIX FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX, IN. XXXX ( XXXX ) XXXX XXXX '
Product: Credit card or prepaid card

OnXX/XX/2018 i received a hard inquiry from Comenity Capital regarding a bankcard opened which i never applied for. Ive tried reaching out to the company however had trouble making my point across to them as I don't recall opening this account or applying for that matter. Which has caused a hard inquiry on my report.
Product: Debt collection

PORTFOLIO RECOVERY XXXX XXXX XXXX, XXXX, VA XXXX this is not my account this was a result of id theft i have sent many disputes with proof portfolio recovery constantly calls and harrassed me they do not care how late the call they also use robo call which is illegal i am trying to resolve this without going to court but if they do not remove the item off of my report i have no other choice than to take legal action
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. THIS IS A DUPLICATE ACCOUNT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter fro m Southern Finance i n  XXXX  stating that I owe  XXXX  for medical bills. I sent a money order for {$50.00} in  XXXX  so I could start paying toward the balance. I received a phone a rude call today from  XXXX  at  Southern Finance,  after I would n't respond to her rude phone call she hung up, and it resulted in me talking to her boss. He stated that I had balance of over  XXXX  and I could n't pay {$50.00} but I had to pay {$100.00}. I told him that a payment arrangement was not arrange so I started paying {$50.00} per month and he said well you need to pay {$100.00}. I repeated that I will only pay {$50.00} and he stated well I will sue you in court. I have also asked them not to call me but they can contact me via letter and they continue to call me.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have sent several letters and emails trying to get information removed from my report. I have also called and paid professionals also try to have information corrected on my report. I have already submitted identity theft reports. I have opted out of prescreens and all other inquiries. I have also added a fraud alert and freeze to my account. Despite doing all of this, equifax is still allowing companies to submit inquiries on my account. I'm still receiving promotions and marketing from companies like XXXX. XXXX has submitted multiple inquiries as well. Their excuse was that I'm doing business with these companies so they have the right to access my report whenever they want. No one has permission to access my account or report. Equifax is using my report and information for their own personal financial gain and to my detriment. FCRA states that all information must be accurate and approved by the consumer. They also sent me a check for {$8.00} for a databreach lawsuit that I didn't apply for. I told them that I would sue them for leaking my information and refusing to fix it. I didn't request to be sent a check for {$8.00} when they've caused way more detriment than what {$8.00} can fix. My information and life was greatly impacted by the breach. I could no longer access credit to operate my business due to their inaccurate reporting. I have also revoked their Power of Attorney. You can see the information below for the inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I received a debt collection notice from Linebarger Goggan Blair & Sampson in connection with a XX/XX/year> parking ticket. The violation apparently occurred with XXXX XXXX XXXX who controls parking in XXXX, North Carolina. On the specified date, I was cleaning my home and going to the county recycling center on XXXX XXXX. At no point did I park anywhere else other than my home. 
I researched XXXX XXXX XXXX and found multiple complaints of fraud from individuals who have received similar notifications in different states. Each time they pressed the matter XXXX XXXX withdrew the complaint. I should add this is the first that I have heard of this and that it seems unusual for a parking ticket to be referred to collections in such a short time.
Product: Checking or savings account

I was being extorted and forced to withdraw money under duress. I filed a police report. I contacted Bank of America via phone on XX/XX/year> and spoke to the fraud team. I was told there was no avenue for dispute, investigation, or escalation. Since this was associated with a crime I believe there should be an avenue for some action to be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was hit randomly with 2 hard pulls from capital one On XX/XX/2019, XX/XX/2019. I never applied for anything with there bank or signed anything with there bank. I have explained to them this is fraud and that they were going to look into it. 

Under the fair credit act the 30 days has been up. I was told from talking to customer reps that since I did not approve my credit to be pulled that this must come off my credit file to all the credit agencies reporting. Since this is fraud. 

I am looking for someone to please help the situation.
Product: Credit card or prepaid card

Hi I am XXXX XXXX and I can be reached at XXXX XXXX XXXX and email : XXXX I have received a fraudulent bill from a company PayPal Credit whereas I don't have any PayPal credit card. I have received couple of payment notices in the amount of {$2400.00}. I have not paid as I do not have any PayPal credit card nor I have purchased any stuff in that amount. Even in the notice, there is no description of where this money was spent or any transaction detail. This seems fraudulent as I don't know any information about it. I tried reaching out to the number provided in the notice but they asked me about my social security number. I didn't provide my social security number to them. 
My intention of this complaint is to notify you that I have received this notice and it's fraudulent. 
Note : I have attached the notice with this complain.
Product: Debt collection

This company has made repeated attempts to collect a debt I do not know. And the fair debt collection that they are required to disclose their burden of proof in regards to the debt and I have after several request received nothing. XXXX XXXX calls me nearly 3 times a day and has for sometime now making threats of lawsuits etc. and I dont even know what I owe it for. 

Please provide all original paperwork for XXXX account and all necessary disclosure items proving that I owe the debt. The fact that XXXX buys credit debt for pennys on the dollar does not constitute proof enough to falsely ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Where do I begin? On XX/XX/XXXX my XXXX score for XXXX was ( XXXX ) and my XXXX score via which I filed a complaint to have my credit card balance updated to reflect a higher score my account is now lowered from XXXX with additional creditors added since early XX/XX/XXXX! My ( debt to income ratio ) reflects 0 %. 
I noticed that in XXXX there was a remark stating that the " client chose to pursue a complaint after dispute resolution.. '' I have not received any feedback concerning XXXX 's final decision on my account. 
This seems quite bizarre that old accounts have been added to my account and while the account now reflects the whole credit amount of XXXX in credit why was my credit score " dropped? '' The credit report has been updated since XXXX with my secondary address in XXXX Texas so what was the need to add such information? 

XXXX continues to send me solicitation and just recently I received an email stating that my credit score has fallen. It gives me an email to open, recognizes my name but does not tell me the score. XXXX XXXX did not provide experian FICO score
Product: Checking or savings account

On XX/XX/2024, I noticed suspicious unauthorized activity involving my checking and retirement accounts. I promptly informed both Merrill and Bank of America. After numerous calls ( over 10 hours ) since the incident, Merrill still refuses to release the funds in the checking account ( {$5100.00} ) because they have a restriction on that checking account. A savings account of {$.00} also has a similar restriction. 
On XX/XX/2024, again via numerous calls, Bank of America told me to go to an onsite location in order to have the funds in the restricted checking account transferred to a checking account with no such restrictions. I went that same day and the onsite representative spent about an hour and half on 4 phone calls. The end result was the same. Merrill wealth refusing to remove the restriction or allow me to move the funds to the desired account ( or anything else ). Merrill wealth has also refused to provide any timeline, information, or direct dial regarding this matter. 
During the period of XXXX XXXX XXXX  and onward, I have spoken to other banks and custodians who stated they would have resolved the matter in a week or less because I promptly notified the bank of the suspicious activity ( while it was processing ).
Product: Credit reporting or other personal consumer reports

Good Afternoon, On XX/XX/XXXX I was notify by the Internal Revenue Services that I was victim of Theft Identity. On XX/XX/XXXX I had an appointment with the IRS to resolve my problem. Since now I do not have a final resolution. In the mean time I check for my credit report and there are many hard inquires on my credit report that I did not approved and that's why I am requesting your assistance. 

This are some companies or inquires that I do not recognize : XXXX XXXX ( car loan ), XXXX XXXX  XXXX ( credit card ), XXXX  XXXX XXXX XXXX ( car loan ), XXXX XXXX ( car loan ), XXXX XXXX ( car loan ), XXXX XXXX  ( personal loan ), XXXX XXXX ( home loan ) XXXX ( home loan ) Thanks in advance for your help.
Product: Debt collection

I received a debt collection text from Unifin trying to collect on a XXXX  XXXX debt that I do not have
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted two representatives on two separate occasions in order to get this rectified at XXXX. The lease was PAID IN FULL back in XX/XX/2021 and the leasing company XXXX continue to report a balance and OPEN account.
Product: Debt collection

law firm bought all of my outstanding credit from credit company and press charges in high courts damaging all of credit history.
Product: Debt collection

Over a period of several months/years, we, the mortgagors, requested, on multiple occasions, to deed the property in question back to mortgagee with zero success. 

In spite of our multiple conversations and letters to Wells Fargo Home Mortgage, they completely ignored our efforts to resolve this issue amicably with the threat and/or execution of foreclosure proceeding. 

Every effort on the mortgagors part to resolve this issue was ignored and, as a result, the mortgage was foreclosed on. 

Since the foreclosure, Wells Fargo Home Mortgage has submitted erroneous data to the 3 major credit bureaus with impunity.

For several years, Wells Fargo Home Mortgage continued to send out monthly mortgage statements ( XXXX thru XXXX ) even though the mortgage in question had been discharged in XXXX. In addition, they were also subsequently reimbursed for some of the 'discharged ' mortgage balance after the mortgage was foreclosed on.
Product: Credit card or prepaid card

USAA Blocks members from Reporting ID Theft CONSUMERS HELD LIABLE FOR FRAUD. 100 % liability remains on consumers accounts. USAA policy requires verification to reach IDTheft Department or any department requiring a profile recovery. Consumers are block from protecting themseves against ID Theft. I TRIED ON LINE USAA IS NOT ADA COMPLIANT FOR MY XXXX  XXXX & AFTER VERIFYING ME FOR 37 YEARS ( ** SUDDENLY I AM UNABLE TO GET VERIFIED when phoning ) see ID Theft case XXXX dated XX/XX/XXXX Reported to FTC & UNABLE TO RESOLVE ID THEFT ON LINE OR BY PHONE to usaa. ( This is usaa 's 100 Liability Policy to protect usaa making it UNAVAILABLE TO CONSUMERS. ) I am held accountable for an account usaa created id theft USAA DID NOT CLOSE ACCOUNTMC END XXXX XX/XX/XXXX 1099-C CANCELATION OF DEBT & USED MY PRIVATE DATA from this account TO OPEN TWO FRAUDULENT ACCOUNTS MC END XXXX & VISA END XXXX ( 2 ) ACCOUNTS OPENED SAME DATE XX/XX/XXXX ** I DID NOT AUTHORIZE OR APPLY OR AGREE TO OPEN ANY MORE ACCOUNTS AFTER XXXX. NOW USAA WILL NOT ALLOW ME TO REACH ID THEFT DEPARTMENT FOR RESOLVE. usaa REVERSED {$3000.00} CREDITS THAT WERE MERCHANTS CREDITS XX/XX/XXXX USAA HAS PROVIDED NO PERMANET FRAUD CREDITS FROM XX/XX/XXXX FRAUD ( * NO ORIGINAL SIGNATURE OF APPLICATION & DRS LICENSE USED TO OPEN ACCOUNT IN VIOLATION OF FEDERAL LAW ) They ask me for to verify ** my drs license for ACCOUNT NOT MINE I DID NOT OPEN. I HAVE ASKED FOR YEARS USAA PROVIDE ME WITH DRS LICENSE THAT OPENED THESE ACCOUNTS TO NO AVAIL. USAA ASKS FOR MINE. Kindly Note usaa making restitution to XXXX, XXXX other members & fined XXXX XXXX DOES NOT STOP usaa from frauding consumers.