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

I XXXX XXXX, XXXX, DOB XXXX XXXXXXXX XXXX am a victim of identity theft. 
This CFPB complaint has been filed to request pursuant to FDRA 605B ( 15 U.S.C 1681c-2 ) that you, TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of personal credit card account opened at XXXX account number:XXXX XXXX account numberXXXXXXXX XXXX XXXXXXXX XXXX  account numberXXXX, XXXX XXXX account number:XXXX XXXX XXXX account number:XXXXXXXX XXXX XXXX XXXX XXXXXXXX account number:XXXX XXXX XXXX XXXX XXXXXXXX account numberXXXX XXXX XXXXy XXXXThey have not responded to me tracking Number XXXX XXXX.Can you look into this matter These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a FTC Identity Theft Criminal Complaint # XXXX as proof from US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items there that are not mine. I contacted the police in my area and FTC, now I'm reaching out to you all for your help. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX. I saw some inquiries as well I don't know about : XXXX 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: Credit card or prepaid card

XX/XX/19 - Tried to obtain the balance and transaction history on the website XXXX of two different prepaid Visa cards given from an employer, one of which had no balance but also no transaction history. The company was phoned and they advised they were unable to assist without the original load amount, which this information is not available due to the length of time past since the card was given ( over 12 months ).

After this I contact US Bank as the cards are backed by them, they transferred me to their internal gift card automated line. They card number did not register and I called the customer service line again. I was informed that if I went to a branch with ID that I would be able to obtain the information.

I then went to a US Bank branch and an employer tried to assist by contacting the card company again, but was given similar information. Though she was advised that the card did not actually have a XXXX balance and that the card was not activated correctly. 

After this the employer was contacted and advised that the cards are paid for in cash and that no history is kept of the purchases, meaning that they could not provide the original card amount. 

It seems unethical that the company will not provide information for an alternative way to verify the account history even when speaking with a bank representative.
Product: Mortgage

It all started when I changed insurance companies. There was a 3 day of non-payment. So PenFed decided to add XXXX to my mortgage payment. If I didn't come up with {$1200.00}, I could be forced a foreclosure on my house. I have never ever been late with my house payment. All of a sudden this is happening, and it is causing a lot of stress om me. I have XXXX XXXX XXXX XXXX XXXX I feel like my whole world is closing in on me. PenFed will not reason with me. I was going to change insurance company when all this occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting disputes on two separate accounts. The first one is Child Support, they continue to report that I'm 10 months late on payments. I have called the Child Support Office, they weren't helpful at all, I was told to go online to there interactive website. I did as they told me and it shows a payment of {$1500.00} in XXXXXXXX. I got a copy of the payment so I filed a dispute with all 3 credit bureaus and submitted the documentation. I have done this numerous times and no response. The second issue is with XXXX XXXX, in XX/XX/XXXX, a couple of months ago I was in a car accident and my insurance totaled my car. My insurance sent XXXX XXXX a check for {$10000.00}. XXXX and XXXX both updated their information at the beginning of XX/XX/XXXX. The one Credit Bureau I've been having issues with is Experian, I've filed 3 disputes along with documentation and their response is balance remains the same. I've been filing a dispute once a week, I called and they're either rude and hang up or they tell me that I need to wait for the dispute to be resolved in about 30 to 60 days. I have been without a vehicle for 2 months alone since cat dealerships and banks pull ones Credit report from Experian I can not do anything at all but wait until Experian fixes the balance for XXXX XXXX. I can not get approved for an Auto Loan because it still shows that I'm " paying '' on the vehicle even after I've sent documentation and tried speaking to someone about it letting them know that I can't get an auto loan until the balance is fixed. Its like these people who work with the credit bureaus are playing God with our life, out Credit reports. It's like they decided whether we can purchase a house, vehicle or anything that requires Credit. Also I asked Experian if I called XXXX XXXX to report it again like they have been, would that speed up the process. They rudely said no it doesn't matter what you do, you're just going to have to wait until we finish the dispute in XXXX to 60 days. I'm also working with Credit Law Lawyers to help me fix my credit. They get the same response with the same documentation I send them. They even added a collection to my credit report that 1. was 13 years old 2. I hadn't been to that hospital since XXXX 3. The account wasn't even mine. They eventually took it off my credit report, but not before my score dropped after trying so hard to build my credit. I don't understand how they are quick to report the negative issues on your credit report, within a day they do this, but anything positive it'll take them 2 months to a year to correct it.
Product: Credit reporting or other personal consumer reports

I requested that Lexis nexis send me a copy of my report 2 times and they failed to send me a copy each time. Instead I keep receiving a letter as if I am disputing something and I am not. I asked them for a copy of my report and they have ignored my request which is very stressful. I have uploaded a copy of the letter that I received. I just want a copy of my report.
Product: Mortgage

Wells Fargo gave me wrong information when declining application for Home Equity Loan. 
1. They said that there was a foreclosure on the credit report. They claimed that a 'charge off ' if a foreclosure. 
I checked my credit report and also did a title check ; there is no foreclosure listed on either. 
2. They said that there was an {$1800.00} per month student load payment. 
I called my student loan company and checked my credit report ; the payment is listed at {$740.00} per month.
Product: Vehicle loan or lease

I wasn't able pay my monthly payment for a couple months and they came and repo my vehicle XX/XX/XXXX and went get on XX/XX/XXXX I had pay XXXX half on XX/XX/XXXX and XX/XX/XXXX to get it back and they charge XXXX for the repo and made my monthly go up to XXXX on the XXXX every month
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer and natural person never gave consent to XXXX, XXXX, and Equifax to sell my information to collectors and debtors! I, the consumer and natural person never submitted a document stating what I want to be reported on my credit report! These Credit Bureaus have been selling my information for years without my consent, Ive sent multiple letters in demanding them to remove inaccurate information from my report, inaccurate addresses, and also other people addresses are reporting on my file! I have many inquiries on my report but I havent not received any products or services, since my social security number was used ( credit card ) this is really damaging my ability to get a home as Im being discriminated against for not having a certain number, I cant get an vehicle for my own personal use! This has caused so much DAMAGE as I was unaware that my information is being sold without my consent! Its all fraudulent! I will like to be compensated a clear consumer report and also to be compensated {$250000.00} for damaging of my property and using my signature without my consent!
Product: Debt collection

we receive at least one all a day ( leaving a voice message on our land line phone ) most of the calls come from the same phone number, XXXX. Message is the same every time; Hi this is XXXX from XXXX XXXX 's XXXX, please call me today before XXXX. We have not done business with this company. 

Most of the return call numbers are the same XXXX. Calls have been coming since XXXX, 2021. We believe the calls are a scam and will not call them back using our phone
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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : SXXXX XXXX  Account Number : XXXX and 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.
Product: Prepaid card

On XXXX/XXXX/2015 I was notified by Net Spend Prepaid ( issued by XXXX ) that my card had been compromised. I emailed a list of all fraudulent transactions. The fraudulent pending transactions have been posted to my account after Net Spend knew these transactions were unauthorized. I has been two weeks since I filed the claim and today XXXX/XXXX/15 Net Spend allowed XXXX of the fraudulent transactions to be posted to my account and I have yet to receive any credit for these unauthorized transactions.
Product: Credit reporting or other personal consumer reports

Years ago I opened a credit card with TD bank from a 'year free " promotional offer and near the end of the promotional period called to cancel the account. A month or so after that I received a bill for an annual fee, which I called and explained should not apply. 

TD Bank then took that fee as a charge and instituted their collection process. 

Currently, TD bank reports a delinquency to the credit agencies each month to ensure that it does not drop off. 

BTW, I don't recall if I actually made a purchase with that card.
Product: Debt collection

this account isn't mine nor am I aware of it. I demand it to be deleted immediately
Product: Debt collection

My Business was shut down due to covid-19. I made a payment in XXXX and advised them that I am under financial hardship due to the pandemic and asked them to not put into collections until after XXXX and also advised that I will call in XXXX to make a payment. I attempted to make a payment on the XXXX of XXXX and was not able to. My account was put into collections after the representative on the phone advised me that It would be ok.
Product: Bank account or service

Noticed transactions on my checking and saving accounts that I did not do. Bank said someone with a fake copy of my drivers license that also knew my account numbers made multiple fraudulent counter withdrawals from my accounts. I made claims with my bank to get the funds back. After 12 business days of no resolution after filing the claim I called bank. Bank made mistake and over stated amount of fraud. That mistake raised amount over threshold that they said required I do an affidavit. But they never told me to do the affidavit. Now I have to wait an additional 10 days for the refund due to banks errors. Especially the fact they never told me about an affidavit.
Product: Debt collection

A business, XXXX XXXX XXXX, had a credit card account with Wells Fargo. The business closed in XXXX, but did not file bankruptcy. Wells Fargo has said that it was guaranteed by XXXX XXXX and myself. I do not believe a personal guarantee was made. At some point, Wells Fargo filed suit against the corporation, XXXX and me. I never received notice. A judgment in favor of Wells Fargo was entered. when I learned of the judgment, I was on the verge of bankruptcy. my home was being foreclosed on was dead broke. Wells Fargo used an attorney to contact me several years after the judgment. I tried to negotiate a settlement without success. I later learned that Wells Fargo had filed to renew the judgment and it was rejected several times. At some point, it was renewed without my knowledge or input. Since then Wells Fargo has contacted me about a settlement. I was offered a deal to settle and only pay 40 % of the amount owed. I told them I would like to speak with XXXX XXXX before agreeing. XXXX said she was not willing to agree. I then asked how I could settle without her. I didnt get a response but a few weeks later a new Wells Fargo rep contacted me about structuring payments on the full amount. I explained that I wanted to take the previous offer. First, I was told that no such offer was made. Wells Fargo uses a secure messaging system that only holds messages for 30 days. Luckily, I had taken a screenshot of the message and sent it to them. They said that offer had expired and it had not been approved by management. I asked them to send me details of their new offer. I still havent received it. I dont think Wells Fargo followed the law to get the original judgment ( I was not served ) or renewal. They definitely have not been fair and upfront about settling it.
Product: Debt collection

XXXX XXXX, XXXX is attempting to collect a debt in the amount of XXXX without validation. I received a bill that I have no knowledge of. I believe this could be identity fraud. 

I decided to go and do research through the secretary of state ( Texas ) as of XX/XX/2018 ( XXXX XXXX ) XXXX XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is willfully reporting inaccurate information on my Consumer Reports. XXXX XXXX XXXX XXXX has Charged OFF my account ( s ) and sold my account ( s ) and private information to non-affiliated 3rd party RESURGENT CAPITAL SERVICES ; whereas XXXX XXXX XXXX XXXX is currently as of XX/XX/XXXX reporting inaccurate dates, amounts, and a Charged Off account that they sold to RESURGENT CAPITAL SERVICES. Remove all recent hard inquiries pursuant to 15 USC 1681. Any new inquiries are UNAUTHORIZED transactions. Also, remove any and all CHARGE-OFFS from my credit reports. Charge-offs are considered a certificate of indebtedness and are also considered income. It must be removed or updated to paid on time never late, because you can not report income. It is ILLEGAL to report transaction history! UPDATE IT TO PAID AS AGREED IMMEDIATELY. Pursuant to the PRIVACY ACT OF 1974 and the FCRA ACT. XXXX XXXX XXXX XXXX and RESURGENT CAPITAL SERVICES are reporting INCORRECT INFORMATION knowingly. Both parties continue to violate my rights when I have written to these corporations on a vast number of occurrences requesting procedural verification methods/investigations and providing me with proof of who and where you confirmed your alleged information that is being wilfully and fraudulently reported. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, I am owed compensation for your negligence, noncompliance, and knowingly reporting inaccurate information even after investigations have been completed, causing harm, threat, stress, and XXXX  to mine and my children 's livelihood. See the attached evidence.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I came across an unauthorized inquiry and fraudulent closed account. Both items are severely affecting my credit report and were never initiated by me at any given point which is why I am asking for the removal of these fraudulent items found on my credit report. I have provided supporting documentation of this crime.
Product: Credit reporting or other personal consumer reports

This complaint is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing undue XXXX and is XXXX XXXX XXXX.
Product: Credit card or prepaid card

I have one credit card with Fortiva ending in XXXX with a 34.74 % Annual Percentage Rate The Lender has raised my rate to usury levels making repayment prohibitive. 

I have been enduring a long term medical hardship and I am seeking assistance to cure these obligations
Product: Credit card or prepaid card

I have had a longstanding MasterCard with Citibank. 
Because the annual fee is high relative to the services offered, I have asked Citibank to close the account. ( I never activated the new card I received in XXXX /XX/XX/2018. ) I did not have any balance due as I pay my balance in full every month.

Citibank has decided instead to harass me into paying the annual fee for the coming year. In addition, they outrageously have leveled interest on the fee for a card that is no longer of any use.

Citibank has called my phone outside of business hours, including Sunday mornings as a further method of harassment and has put in negative information on my credit report.

Citibank should accept that this card is of no value and accept that they provide poor customer service and therefore do not want to deal with them. They should stop the harassment and rectify any information provided to Credit Agencies.
Product: Credit card or prepaid card

I found this Barclay account on my credit report and it is showing I'm delinquent on it. I was an authorized user on this account and by law an authorized user is not responsible for the debt. I contacted Barclay to have my name removed and they refused. They said they sold the debt and there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

recenttly i looked at my credit report and noticed several fraudently inquries .i feel these inquries are adversley affecting my credit report it is my understanding that you would investigate these items for me to ensure accurcy here are the items XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX on XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below account deleted from my consumer report. 
DISCOVER FIN SVCS LLC Credit Card with account # XXXX with a balance of {$1300.00}. 
I demand the reporting company cease and desist pursuant to federal law. The reporting of these account ( s ) is/are violations of 15 USC 1692 c ( c ), The Fair Credit Reporting Act [ 15 USC 1692 c ( c ) ] ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

The reporting company is in violation of the federal law under the FCRA. The reporting company does not have permissible purpose to report the account information above pursuant to 15 USC 1681 b. I demand this account be deleted from my consumer report.
Product: Checking or savings account

Im aware of whats going on with capital one issue but its unacceptable that I can not receive my deposit, my deposit is supposed to be atleast {$500.00} on XX/XX/year> and when I woke up this morning I didnt receive a dime I have loans, bills and kids to feed just like everybody else I need my money today because Im highly affected by inflation and just trying to get back on my feet, capital one hasnt gave me any problems before so please do not let me switch banks or sue
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.