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

I notified the company and the bureau they ignored me and could not verify or show proof that I gave them permission. I did not give permission and I would like to remove it. At the bottom, I will attach the necessary documents.
Product: Debt collection

I am a protected consumer submitting this complaint on the record before possibly taking legal action. 

I have not been provided proof of any documentation proving I have given consent to release my medical or personal information to this company. 

Under the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ). I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN IM CONFUSE I BEEN BATTLE WITH EXPERIAN ABOUT A BANKRUPTCY THAT ONLY SHOW UP ON MY EXPERIAN REPORT THAT IS INCORRECT INFORMATION. XXXX AND XXXX DO NOT HAVE A BANKRUPTCY SHOW ON MY CREDIT REPORT. I NEVER FILE BANKRUPTCY IM TO YOUNG AND YOU GUYS HAD TO MAKE A HUGE MISTAKE.
Product: Credit card

I applied for credit and was approved I was then asked to do Verication and passed both times and then the next day received a letter and let on my credit that the account was closed at banks request when I called they stated to me that It was close to High Risk Account But the crazy thing is that I have Never had any personal credit cards with SYNCB.
Product: Credit card or prepaid card

I signed up under a Barclays XXXX XXXX ( XXXX  ) promotion that stated the following under the terms and conditions : Bonus XXXX Miles You will receive XXXX bonus XXXX  miles and a {$95.00} statement credit after spending {$2000.00} on Net Purchases within the first 90 days of your Card Account open date. 

I satisfied the terms of the offer by spending {$2000.00} on net purchases within the first 90 days of the card being opened ; however, I only received XXXX bonus miles and did not receive the {$95.00} statement credit. I am still owed XXXX miles from Barclays and/or XXXX XXXX , along with the {$95.00} statement credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 2 unauthorized inquiries was made on my account from XXXX XXXX, I called the same day to let the lm know on the day I was notified that I didnt apply for anything and I actually talked to a manager who proceeded to help and said the inquiries will be taken care of, time goes by and only 1 of them were removed, I tried to contact XXXX XXXX XXXX follow up with the situation to get them both removed as promised but the company said they dont see a inquiry on their filebut Transunion still has one of the inquiries on file on the date I stated earlier which is resulting me not being able to apply for things, this inquiry should have been removed and I also talked to transunion about 2months ago and there has not been a update.
Product: Debt collection

On XX/XX/2017 I have received two notices from Trans-Continental Credit & Collection Corp. regarding a XXXX Hospital 's bill which totally disagree with because XXXX who represents the Registration Department of the XXXX XXXX XXXX XXXX took care of the medical bill through the financial assistance that is one of the program of the XXXX Hospital.
Product: Credit card

On my credit report is a credit card that was opened by XXXX XXXX XXXX  XXXX {$3200.00} was charged on this card which i sis not open the account number is XXXX. XXXX sold to creditor Portfolio LLC. The account was opened on XX/XX/year>. I never authorized or opened this account and most certainly did not ever use this card. This is a fraudulent account.
Product: Debt collection

I have a current open complaint about this same company with CFPB. The same day I opened this complaint they immediately removed this debt from my credit profile and are now harassing me via emails and letters to my home dated on ( XX/XX/24 ) same exact date the original complaint was submitted! I don't owe this debt, it's been in my bankruptcy, and they are not authorized to contact me whatsoever!
Product: Credit reporting, credit repair services, or other personal consumer reports

OFFICE OF THE ATTY GEN {$16000.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type XXXX XXXX Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$16000.00} - Payment Info Status Past due 150 days Status date XX/XX/XXXX Past due amount {$16000.00} Original loan amount - Monthly payment {$450.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - 120 - - - - - - - - - - 120+ Days Late - Data Unavailable Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX TX XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account 1 collection account Total balance : {$1400.00} AMERASSIST AR SOLUTION Original creditor : XXXX XXXX {$1400.00} Balance updated XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX DE XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX  XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX STUDENT LOAN XXXX XXXX XXXX : {$44000.00} XXXX XXXX XXXX Balance : - ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$31000.00} XXXX XXXX  XX/XX/2021.
Product: Credit reporting

XXXX is reporting inaccurate information & damaging my credit. XX/XX/XXXX, we agreed to a settlement. In the settlement, the bank agreed to remove all account information on all credit reporting agencies. They agreed it would never be reported again. On XXXX XXXX, XXXX I ran my credit & found the information still being reported. I contacted all XXXX credit bureaus & subsequently contacted the data furnisher to remind them of our agreement. XXXX & XXXX removed the account without any issues but Experian continued to report the acct. I instructed Experian of the error again & they informed me to contact the data furnisher. So I sent off a letter to the data furnisher on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I had received nothing from the data furnisher, so I mailed a new letter to Experian to ask them to remove the account from my file. On XXXX XXXX, XXXX I called Experian to check the status of the account & they informed the account was still listed on the report. They also said me there was nothing they could do unless the data furnisher removed it from their records. I 'm filing a complaint for the lack of accountability with Experian. I 'd like Experian to be held accountable for sections 609, 611, 616 & 623 of the FCRA. The information listed is inaccurate & damaging my credit. Attached are the documents sent to Experian & the data furnisher. I like this account removed IMMEDIATELY!!!
Product: Credit reporting or other personal consumer reports

My credit has taken a major hit due inaccurate information sent from XXXX XXXX XXXX. I had an account with XXXX since 2015. My vehicle has been paid off and I have received the title. A few days ago, I received an alert on my Credit stating that I have a 30 day late showing from XXXX, consumer XXXX. It dropped my XXXX XXXX XXXX points on all credit bureaus. XXXX in the middle of applying for a home equity loan and this have hurt my chances. I need over a XXXX XXXX XXXX to be approved now my scores are XXXX. I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Product: Credit card

To whom it may Concern : I recently pulled my credit report and noticed that a late payment has been allocated to my credit file. When I called CITICARD customer service I was told that I was n't late. I explained to customer service that they have reported a 30 days last as of XXXX/XXXX/2015. After further research they advised me that they send a statement to my email address. I verified the email address that they supposedly sent the correspondence to which was not mine. I asked if there was a bill that was due why they failed to send it to the address that I have had with them since I have opened the account they could not give me an answer. I have received proper correspondence including all of my bills from them on every other occasion yet they are at a loss on this occurrence. In addition a few months ago I had mail stolen from my mailbox soon after that I noticed fraudulent activity on some of my credit and personal information. This may have been when the changed to my billing information on this credit card had occurred. I contacted all creditors to notify them of what has happened and to make special notes of potential fraud on my accounts. CITICARD failed to do so. I attempted to make the payment multiple times online but was given error messages. ( Saying they were unable to process my request ) I then called in to their customer service line to ask if there was an issue with their online banking portal and if I had anything due at the time. They indicated that there are no issues, my online banking is working and all is accurate. I then asked them to verify payments and my information they again advised that everything was correct. This was a complete inaccurate statement. There was several things that were wrong not only was my information changed but notification and payment information was not given and or correct. I have never EVER been late in the past and throughout my entire credit history. I also never had to make a payment over the phone in the past as I never had issues with any creditor 's online service. Please follow up on the action that has taken place. Correct the erroneous late payment as blemishing my credit history and take proper action upon the company as well as the service representatives who failed me as a long standing customer as well so diligent credit user.
Product: Credit card

I purchased a round trip air fare ticket from XXXX XXXX onXX/XX/XXXXXXXX = {$220.00} went on the flight to my travel destination during XXXX, then on my return flight home XXXX stranded me for 2 days at the airport without a flight to return home. I ended up taking another carrier to get home. Upon returning home, I contacted XXXXXXXX XXXX about this issue and XXXX agreed to refund my full ticket price to my US Bank Card and sent me an email stating that they released the funds to my financial institution, email is dated, XXXX ( attached copy ). US Bank claims they never got the credit XXXX XXXX, so I opened a dispute and provided the email from XXXX as confirmation the airlines authorized the credit. Now US Bank refuses to provide me this credit, stating I don't have proof of the credit. Please assist me in obtaining the ( - {$220.00} ) credit I am due on my US Bank card approved by XXXX XXXX. The US Bank dispute case # XXXX XXXX XXXX XXXX. Thank you!.
Product: Credit reporting or other personal consumer reports

I am writing you about the compromising of my social security number due to the Equifax Data breach. Which has resulted in me being a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX XXXX I have also included a signed and notarized copy of my Affidavit of Facts and Truth. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following account does not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a phone call from an " unknown '', looked up the number online, it states it is a private number. The caller says he is from law office of the ADR Group, threatening to take legal action and " forwarding these complaint to your local municipality '' for " felony activities '' left the phone number XXXX. Called the number and the operator stated there is a case against me, she claims that a letter was sent that I did not receive. I asked her to send it again, she stated that the only send the letter one time. She said we could settle out of court or it would proceed to court. I stated that I would not give her any information over the phone. After some research online, I found an article that XXXX had to pay a XXXX dollar settlement for improper collection practices, that article led me to placing this complaint today.
Product: Bank account or service

I depositid a cheque at a Wells Fargo branch, I was told then that they needed to verify the check before dispersing funds. A few days later i saw funds in my account. I had some debts im trying to clear so i clear it. A day later i tried to use my card to do business i was told my card was declined. I called the bank customer care and they told me that my card was declined because something was wrong with the check. I as why was i informed of this and i didnt get an answer. A few days later i was told that i needed to pay back the money that was taken from the account, I ask why was the cheque verified if there was a problem they told me that was my responsibility. So they told me there was a scam going on like that so it seems as if i was scammed. I asked then if you guys knew this why didnt you verify the cheque properly, based on the fact that it was a large sum on the cheque, i didnt have no moneyin the account and my account was only a month old. I was told that the fund shouldnt have been dispersed base don those stated reasons. I was told by a banker that he would look into the situation and get back to me. It has been 2 weeks and i havent heard from him. Recently recieved a call from collections that i need to make payments because my account was in over draft. Now i have been asking questions and no one answered and no clarification, I also know if the bank had did there job i wouldnt have been in this situation and they dont want to take no responsibility. All i have gotten from them was a disrespectful customer care agent, poor service and collections streesing me and i aint working. So i was told by a legal aid lawyer to report the situation to the commisioners of banck and that site directed me here so im making a compaint hope to hear from you soon
Product: Credit card

We have a charge for services not provided. Payment was approved and sent but never resolved. Reached out to paypal and citi but no success on their end as well.
Product: Debt collection

I have a current complaint against XXXX XXXX with XXXX XXXX now they are sending me a letter about the debt collection with a new company trying to collect a debt that does not belong to me. I believe this is a fraud attempt and request an investigation and release of complete information. The new company being used is Credit Control LLC
Product: Credit card

Just received a new Citibank credit card and setup/activated in app. Attempted to add to XXXX XXXX but it forced me to contact them to verify. They would not use my phone number on file to verify, said they have to use a different number or send me a letter. They said they sent a letter but then the app shows a fraud alert on my card. I call back and they said they cant discuss the account until I receive the letter. All of this took place on the morning of XX/XX/year>. I can provide any and all info to verify my identity and that I am the rightful cardholder but they choose rather to place me under fraud alert because I cant give them a number that I dont own? How does any of that make sense?
Product: Debt collection

I was alerted by my credit bureau of a derogatory entry on my XXXX  credit report for XXXX for a XXXX XXXX bill now known as XXXX from XX/XX/XXXX to XX/XX/XXXX. The collections company is the CBE group, I called the company but they could not verify any valuable information of help to me.
Product: Mortgage

I am extremely frustrated. 

We closed on our home in XX/XX/2018. 

We successfully " re-cast '' the loan with loanDepot in mid to late XX/XX/2018. 

But since then, the company has failed to process our XX/XX/XXXX and XX/XX/XXXX payments correctly. The monies are sitting " suspended ''. 

And we have received three letters indicating that we are delinquent. The company has threatened us with late fees and with a negative credit report. 

As the loan history clearly indicates : our payments were made in full and on time. It is absolutely absurd for them to claim that there was any error on our part. 

Since my receipt of the first delinquent notice, I have made more than five phone calls to the Customer Service Department. Each time, I am advised that the company is aware of the problem. They tell me not to worry. All I need to do is call back in 48 hours and they will confirm that the problem is resolved. But it is now one month later. And the problem still has not been resolved. And I continue to receive incorrect delinquent notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

items on my credit report are unverified
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. However, if they failed to do so, they are obliged to remove the account which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of credit report. TransUnion, XXXX, XXXX is out of pocket! please fix.
Product: Credit reporting or other personal consumer reports

Hello EQUIFAX, I just received a copy of my credit report and found this fraud credit card still opened under my name without my knowledge. I call the fraud team from XXXX and I was told I have the right to delete this fraud account from my credit report. This fraud account was reinserted to my credit report without my permission. 
I would like to exercise my right and this fraud credit card shall delete from my credit report. 

I call Equifax fraud team a few days ago and they told to resubmit the FTC report and they will delete this fraud account they added by mistake after deleted.
Product: Credit reporting or other personal consumer reports

I am writing in order to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act Section 605, which requires the removal or blocking of information resulting from identity theft.

These fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed these fraudulent accounts from my report at once
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th time contacting the CFPB and nothing is being done on my credit file. I have submitted several disputes to Experian, XXXX and XXXX as well as the collection agencies directly and no one is handling my disputes. I want these negative items deleted from my credit report today and I expect to have an updated report with these items deleted within 15 days ... The CFPB is suppose to govern these bureaus and no one is doing their jobs ... 

XXXX  XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX/XXXX  XXXXUNVERIFIED ACCOUNT XXXX XXXX XXXX-XXXX-UNVERIFIED ACCONT XXXX-XXXX-NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance {$390.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$7600.00} XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>
Product: Checking or savings account

In XXXX opened a Chime online bank account via promotion through XXXX for {$250.00} if opened and direct deposit made. These terms were met but now Chime is saying I am ineligible for bonus.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.