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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE BELOW ARE A LIST OF INQUIRIES Removal XXXX XXXXXXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX I Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, the items in mention that are reporting on my credit report do not belong to me
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed several hard inquiries that I don't recall authorizing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi- I am trying to get assistance any way possible. It's life or death for me and my kids. I am only asking for late payments that occurred in between deferments be removed... only because it's listing 26 accounts separately as 90 days late. My loans are currently closed and consolidated but I am not able to get some extra assistance due to the late in between deferrals. 

I have spoken to customer service, sent letters and I am very desperate for assistance. I was told there are laws in place for it is solely at the lenders discretion. I have 30 days from today but I have been trying since the pandemic as I was seriously affected by XXXX. Please email me or call please XXXX of XXXX. I am sending my message to everyone in your company- your credit reporting department has not been able to assist in any way. Please Please.

I NEED HELP.. LIFE OF DEATH FOR MY KIDS AND I STARTED REACHING OUT SINCE LAST YEAR AND NOW I HAVE 30 DAYS - I ONLY NEED THE LATE PAYMENTS REMOVE FOR 26 INDIVIDUAL ACCOUNTS IN BETWEEN DEFERMENT.. PLEASE PLEASE Please Please I just need the 90 days late removed for 26 individual loans. This account is now closed and consolidated - at this time the I was deferred before and after. During this late period, my address was not correct in XXXX 's system XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I was referred to you by XXXX XXXX
Product: Debt collection

Dear Sir/Madam, I am writing in regards to the communication that I have been receiving from your debt collection agency. I would like to revoke all of your rights to communicate with me, as I do not wish to be contacted any further regarding this matter. 

As a consumer, I have the right to request that all communication from your agency cease immediately. This includes phone calls, emails, and any other form of communication. I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request that you no longer attempt to contact me in any way. 

Furthermore, I would like to remind you that any attempts to contact me after receiving this letter would be in violation of the FDCPA. Any further communication from your agency will be considered harassment and I reserve the right to take legal action against your agency. 

In addition, I demand that you immediately cease any and all collection activities against me. I do not owe any debt to your agency and any attempts to collect such debt will be considered a violation of the FDCPA. I have not received any information to dispute this debt. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for US Bank Home Mortgage from XXXX. We have tried to dispute a late/delinquent report on our credit and have tried multiple times with them not removing the derogatory report which is affecting our credit. We did a mortgage loan modification which at that time the rep told us we did not have to pay while in modification and didnt say it was going to affect our credit score. To this day, our credit report still says this account is 60-89 days late which is now closed and they will not remove it stating that they have the correct information. 
We need this removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC section 602 states i have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan a late for any purpose
Product: Debt collection

On XX/XX/2019 the supposed lawfirm XXXX XXXX XXXX sent a letter claiming I owe a debt in the amount of {$4300.00}. They claim that Discover Bank has retained the firm to collect its claim against me. 
I do not know XXXX & XXXX. And they have failed to verify that they are authorized to collect a debt from me. 
On XX/XX/2019 I sent XXXX & XXXX asking them to verify the debt. 
I asked them to provide licensing and permitting information that proves you are legally allowed to collect a debt from me. 
I stated that if they are unable to verify the debt they agree that XXXX XXXX XXXX, XXXX is a victim of identity theft. 
I asked them for an authentic signed contract between them and XXXX XXXX XXXX XXXX showing proof that they and that are now or were at one time in business together and other supporting documentation that gave rise to the alleged obligation DISCOVER is claiming owed. 
I asked for a statement admitting whether they are the holder in due course or whether they are a servicer. 
I asked if the loan has be securitized and they CUSIP number for which it was securitized. 
I asked them to make available for visual inspection my original wet ink promissory note. 
I asked them to provide copies of current licenses and permits that allow them to collect this debt for a third party as a licensed debt collector in CALIFORNIA, informing them that fines and felonies are the penalties if they are not licensed properly should I not be the true party of interest in this debt collection bill copied and enclosed. 
I gave them 30 days to respond and they failed to do so. Instead, on XX/XX/2019 XXXX XXXX XXXX committed fraud by advancing a writing without providing procedurally proper validation of the alleged debt. They sent payment copies and copies of billing statements which is not validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Was given pre-approval notifications for loans and credit cards for over the last 2 years with Credit Karma and have been denied for all of them. This has dropped my credit score instead of helping me.
Product: Checking or savings account

Wells Fargo closed my account after they charged XXXX to my account, which put my account in the negative. I still dont no why my account was charged XXXX or why it was closed
Product: Bank account or service

Well I 'll start at the begining as this might effect others as well. I had a account with Bank of America, my pay was automatically depositited into my checking account, I had automatic transfers set up to take money from my checking to my savings each month, I also had over draft protection set up that would charge any over draft to my credit card. 

I had issues with Bank of America processing things in a manner that would over draft my account and other issues with their customer service I ca n't recall specifically it was so long ago end result was I switched to XXXX. Each month the automatic transfer to my savings account would occure, trigger my over draft protection and charge money to my credit card. I canceled this automatic transfer, I even called and spoke to the bank and they told me we do n't see any scheduled transfers, still every month this would happen. 

I was trying to pay off the card to close the accounts ; because the overdraft protection was done as a cash advance it was slowly turning my balance into a higher % as cash advanced were paid off last after regular credit. As i said i complained, was told there were no automatic transactions but this continued to happen until I eventually called them from XXXX, paid off the remaining balance and closed my credit card, checking and savings accounts. End of story right? 

Not so much, Bank of America re-opened my account because they " forgot '' to charge me interest when I closed it over the phone, because I was XXXX to XXXX I did not find out about this until I returned home and had a collections notice in the mail, no other attempt to call or notify me had been made ; the account had gone 90+ days past due. 

I 'm not sure what the rules are but if there was interest that needed to be calculated it should have been done over the phone when I closed the account, not done behind my back afterwards ; I think this was done on purpose by the bank to get back at me for leaving.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Reporting act XXXX Account, has violated my rights.

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
Product: Money transfer, virtual currency, or money service

Didn't get the right service for my money Loss 's and had inconvenience
Product: Debt collection

I am filing a complaint about a collection agency that has been attempting to collect a debt from me without proper validation. The debt was initially associated with a bank and is now managed by the collection agency. 

The last date of activity on this debt was XX/XX/2023, which is also the date it was reported. I have received numerous letters from the collection agency regarding this debt, despite never having directly communicated with them. 

Upon receiving these letters, I disputed the debt with both the collection agency and the credit reporting agencies. However, the collection agency 's response to my dispute was insufficient. They provided only statements of the debt, without any signed contract or concrete evidence proving that the debt is mine. 

In light of these facts, I believe that the collection agency is attempting to collect a debt that has not been properly validated. I request an investigation into this matter and ask that the collection agency ceases all collection attempts until they can provide proper validation of the debt.
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 : US BKPT CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MOHELA/DOFED XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

In my recent complaint to XXXX about the incorrect information, specifically my name and address, and the fraudulent furnishings on my credit profile. I have already sent them my correct information twice, and yet they are sending me another request for such documents, which i have already sent to them, which i will enclose evidence of certified mail and the information i sent. 

This is really damaging to my well being, cause undue stress for me, and defamation of my character, which are grounds for compensation by legal means, which now i will not hesitate to hire a lawyer to defend me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Small Business Administration uses something called a " Vantage '' score, provided by Experian. I applied fo

r an SBA loan and was told my score with this firm was too low to qualify for a loan. I went to Experian 's website. It shows a FICO score but no
way to access a " Vantage '' score. This is important because the FICO score and the " Vantage '' scores from other credit bureaus appear to be different from the Experian Vantage score.

I called Experian and was told they don't offer a Vantage Credit Score report - despite the fact that their website offers that service for a one-time fee of {$7.00}. I applied for Experian 's " Connect '' product - cost {$14.00} - to see if I could get a copy of the Vantage score report. It told me I did not answer the personal questions
correctly. So it seems as though they don't really offer this service.

Regardless, Experian seems to charge for the Vantage score report- isn't that a violation of the law? And they don't seem to have an easy way to see what that report might entail - again, isn't that against the law?

With the US Government using this credit scoring method for something as important as SBA loans- during a pandemic - shouldn't there be more transparency around this process? A credit score I can't access - and can't correct - is being used for something important. Seems you guys should have a look.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter to the all credit bureaus Experian, XXXX, XXXX regarding the following accounts. 
- XXXX XXXX - this is not my account- {$3100.00} - XXXX XXXXXXXX XXXX - this is not my account- {$28000.00}
Product: Mortgage

Amerihomes listed on my credit report that I had 30 days late marks on their account XXXX, XXXX, XXXX XXXX and XXXX of 2020. Previously they said that I miss a payment in XXXX of 2020. I showed them proof of payment and had correspondence with their loan administration department to resolve the issue. A department person said that while we were trying to resolve where the missing payment came from, they gave me a 'Rolling 30 ' which means that even though I continued to make my payments on time, they were reporting that I was 30 days late and putting those marks on my credit report. 

This is an extremely unfair practice because I assumed that we were trying to resolve the issue together and Amerihomes was going behind my back and reporting negative information on my credit report.
Product: Credit reporting or other personal consumer reports

Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) These Addresses are not mine. Never Lived at any XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite hours ( in aggregate ) of time spent on the phone trying to get resolution, Equifax refuses to correct an issue with my account on their " myequifax '' service. I require the service to quickly manage credit freezes and unfreezes, which are necessary because Equifax compromised my data in XXXX. Despite verifying my identity manually on the phone multiple times and speaking to multiple customer service representatives both in XX/XX/XXXX and XX/XX/XXXX, Equifax has repeatedly told me that I will " never '' be able to use this online service due to an unspecified " problem which occurred when my account was set up. '' They have refused to detail the exact problem, saying only that it could have ranged from a compatibility issue with the device I was using, to incorrect information entered, to even an unexpected IP address. They have refused to connect me ( either in real-time or off-line via email or phone # ) with technical personnel who could resolve the issue. Instead, they have said I would need to manually call in every time I needed to freeze or unfreeze my account and wait on hold to speak with someone, or, alternatively, use an automated system ( which has also not worked for me ). Lastly, searching online via forums like XXXX, XXXX, and others, this issue appears not be isolated. It seems to have affected many others. 

SPECIFIC ISSUE HISTORY : I first encountered the problem in fall of XXXX. After spending several hours on the phone with Equifax on XX/XX/XXXX, I received an email on XX/XX/XXXX indicating the issue had been fixed. This was blatantly false. Instead, when I needed to again unfreeze my credit report in XX/XX/XXXX, I encountered the same issue. It is unacceptable that Equifax, a large corporation with likely hundreds of employed software engineers, is either unable or unwilling to investigate the problems with my account and either reset the account or resolve the underlying issue in their internal system. It is insult to injury that the only reason I find myself in this situation of having to freeze and unfreeze my report is that Equifax failed to protect my data in the first place. 

On XX/XX/XXXX, after 2 1/2 hours on the phone and having spoken to 3 different customer service representatives about the issue, I was either disconnected or hung up on with no resolution to the problem. 

The account in question is for email address : XXXX ( XXXX XXXX ) The case ID 's in question are : XX/XX/XXXX : Case # XXXX XX/XX/XXXX : - complaint # XXXX - Employee 1 info : Employee ID : XXXX ; name XXXX - Employee 2 info : Employee ID : XXXX name XXXX XXXX Employee 3 info : Employee ID : XXXX name XXXX
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 XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Charged off Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I would like to file a complaint against Credit Acceptance. Their collection practices are unfair, and feel like bullying. I am 3 days late ( due to hospital stay and the way payday fell ). It is XXXX XXXX. and they have already called me 7 times. I realize I am high risk or I would not have had to use this company, but I do not feel they should call more than once or maximum twice a day. The reps are very invasive, wanting to know how much your check was and why it was short. Please advise what I can do. I am to the point of wanting to find a lawyer if they don't stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not lift or temporarily remove my credit freeze because there is no way to access Equifax 's website. All links lead to a screen that says " We are temporarily unable to complete this request ''.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX at XXXX XXXX XXXX XXXX time, I received a phone call from XXXX on my cell phone. The automated message indicated that they have attempted several times to contact me regarding my credit card account, and they have exhausted options in order to reach me on how XXXX XXXX can help me lower my credit card interest rate. The automated message only indicated it was from " XXXX XXXX '' and was deceptive to make me believe something was wrong with my credit card account. I hung up and called the XXXX number back, and it was from XXXX XXXX XXXX XXXX XXXX. I attempted to bypass the automated options, in order to talk to a customer service representative, as I was concerned I may have a credit card opened unknown to me. I could not bypass the automated options, and instead conducted a XXXX search on XXXX XXXX XXXX XXXX XXXX XXXX and determined this was a CITI Credit Card Product. I conducted CITI directly at XXXX at XXXX XXXX XXXX XXXX time to complain about the unsolicited and deceptive automated message with the customer representative. The customer representative took my complaint and apologized. I wanted to share my complaint, as the automated message that called me originally was very deceptive at making me feel like I had an account issue, rather than marketing it as an option for lowering your credit card rate. In addition, I do not own or have a XXXX XXXX XXXX XXXX XXXX in my possession, nor have I ever had XXXX issued to me by Citi. I feel this was an unsolicited marketing activity, that should not have been provided to me since I am on the DO NOT CALL LIST. Thank you.
Product: Checking or savings account

Yes on XX/XX/2022. I couldnt unlock my debit card to use it. Chime was having issues where nobody could unlock thiers card. This issue caused me not be able to get gas after work to get home. I had to wait at the gas station for XXXX hours before the issue was resolved. This inconvenience caused me to be late picking up my kids at the babysitter. Because I was late I had to pay my babysitter extra money for being XXXX hours late. This was very inconvenient and embarrassing not to mention a waste of my time. This is not the first time Chime had this problem. There has been many times this has occurred. I sent an email to Chime customer service explaining everything that happened. There response was thanking me for the feedback and they will try better next time. I feel I should be compensated for the extra money I had to pay the babysitter and for my time wasted. I made that clear to Chime. I could understand if it was a XXXX time thing but it was not. On numerous occasions Chime has had this problem. I feel that this should never happen we put our trust in the people holding our money with the belief that when ever we need to use our money we should be able to. Without any hesitation or problems.