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

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX BANK, XXXX. - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX CXXXX XXXX  ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


XXXX. XXXX XXXX  XXXX  XXXX XXXX Original Creditor : XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX OF XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX DC on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  XXXX Bankruptcy Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

So much time. So many errors and laws broken its not funny. Years trying to fight for whats right and i will not pay something thats not mine. All 3 credit reporting agency are not accurately reporting my data and my scores are not accurate. Trans union, XXXX, and XXXX. I have 3 credit cards in excellent standing and all 3 agencys are not reporting correctly. And also theres a fake collections out of nowhere pops on my reports but all 3 agencys report fake collections i called number and its a ruse trying to get personal data from me i disputed and there investigation is poor and unprofessional. Somehow this XXXX XXXX XXXX got some old paid closed account data and dept is not valid my score dropped 150 points. And theres 2 other collections that are fraud also XXXX  this phone number XXXX XXXX XXXX. Im so at wits end with this injustices thats going on with my credit data i have excellent record paying my bills and 3 credit cards 2 bank accounts 1 savings accounts XXXX and XXXX and no collections. And yet these fake fraud accounts .made up dates. Made up amounts stay on my credit data all 3 reporting companys. How come my 3 credit cards and excellent payment history doesnt show on all 3 reports? Please help so not right years injust inaccurate and very unprofessional service from these credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX for incorrect reporting to all three major credit bureaus XXXX, TransUnion, and XXXX. Despite numerous attempts and communications with XXXX XXXX to address and correct the inaccurate data reflected on my credit report, the issue persists unresolved. 

The inaccurate reporting by XXXX XXXX has significantly and negatively impacted my credit score and financial standing. The failure of XXXX XXXXXXXX to correct the erroneous information is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under the provisions set forth in US Code 1667, which mandates the accurate reporting of consumer credit information and provides consumers with the right to have incorrect information corrected in a timely manner. 

Here are the key points of contention : 1. Incorrect account status : XXXX XXXX has reported my account as charged off, late, included in Bankruptcy, and Unrated which is inaccurate.

2. Failure to update information : Despite providing evidence and numerous communications with XXXX XXXX to correct this data, there has been no adequate response or action taken on their part to amend the inaccuracies.
Product: Debt collection

Got a voicemail from a company who said on my voicemail this was my noticed that I am being processed and paper are being sent to the county I live in. The call was to verify my address. The call back number is XXXX. I called back and XXXX XXXX said I owned a payday loan from XX/XX/2009 with Check N Go. She told me they are processing paper work for defrauding a financial institution. She said the loan was for XXXX and the balance is now XXXX. I told her this questionable loan is 7 years old. She told me she has 10 years to sue me for fraud.
Product: Credit card or prepaid card

Victoria 's Secret Credit card.paid bill in full in XXXX.at XXXX received a bill for {$2.00} when nothing purchased. Reported twice to get resolve and close account. On the XXXX on XXXX they sent me a questionnaire asking how I like there customer service. I in detail td them I want my account closed in no uncertain terms.this month they sent me a new bill with a {$6.00} charge on it. This account needs to be closed 100 %. Waiting you as last tesort.please close this account with no charges applied to me. Thank you.
Product: Debt collection

On XX/XX/XXXX, I emailed XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX, Tx informing her of the incorrect amount of debt XXXX XXXX XXXX XXXX charged me. The misinformed document stated that I owed them for " Replacement Keys '' in the amount of {$100.00}. The referred keys were actually left in the kitchen drawer ( near the refrigerator ) the night I vacated my apartment ( Unit XXXX ) on XX/XX/XXXX per XXXX XXXX XXXX request. I informed earlier that day on XX/XX/XXXX that I would be moving out after office hours, so how should I go about returning my keys. That is when she informed me that I should just leave them in a drawer and take a photo of said keys and email it to her for proof. I did exactly what she asked of me. I then, reached out to her the next day informing her about a gate key that I had forgotten to turn in. She then asked me if I could mail it or turn it in. I drove to the XXXXXXXX XXXX XXXX XXXXXXXX and returned the gate key to a lady sitting at the desk. I emailed and let her know that I had returned the key, her response was " Thank you so much ". So, once I received the statement for " replacement keys '' from XXXX XXXX XXXX XXXX, I was confused and that's when I reached out via email on XX/XX/XXXX and XX/XX/XXXX when I never received a response on XX/XX/XXXX. I then tried calling, no answer so I left a voicemail. No returned phone call from the voicemail either. That week, I called a few times throughout the day and FINALLY got someone to answer the phone. I explained the situation to the lady who answered, and also informed her that a debt collection company ( I.Q Data International XXXX Inc. ) had been reaching out to me via mail ( it was only mail at the time ) regarding the incorrect amount owed that was stated by them. She then told me that they were super busy and it would take XXXX until the end of the week to read the email for proof in order to correct the amount. The end of the week would've been XX/XX/XXXX. I received no call back, no email, no correction. 
I reached out again XX/XX/XXXX and was told that they were still super busy and that I should hear something by the end of the week. The collection company has recently started to call me multiple times throughout the day, and it's really disheartening that this is something that could have been easily fixed and the harassment by the collection company wouldn't exist! I have been extremely patient with this situation. I do not mind paying what I owe. I just want to be treated fairly.
Product: Credit card or prepaid card

On XXXX, XXXX I received an invitation from Discover it credit card company, informing me that I am amongst the few to qualify for this offer. And thanks to my credit history and hard work, they are inviting me to apply ( They included a special invitation code word with the offer. ) I have access to XXXX XXXX dollars in credit through various other credit card companies. My credit is excellent. And so before I decided to officially apply, Discover it had sent me an email also to prequalify without impact to my credit score. So I did prequalify and again they assured me that I pre-qualified and encouraged me to apply. 

But when I did officially apply, they came back with a denial. I was shocked and felt extremely deceived! The worst part is this is the second time they did this to me in one year. From the research I've done, Discover it is doing this to many other XXXX veterans and people of XXXX. This is exactly what XXXX XXXX was doing also. 

I've spent countless hours trying to figure out why they denied me. No one can tell me, and they simply told me to wait for some letter to arrive in the mail. After a couple of more phone calls I got to speak with some supervisor telling me that I was denied because I had a couple of credit inquiries on my report.
Product: Mortgage

I 'm in hardship I had to take leave from my work to take care of my XXXX father. I filled out all the paperwork to try and get some help when I got behind on my payments. They did n't want to work with me and denied me. The sent me a certified letter to pay XXXX by a certain date with a cashiers check and overnight it to an address. So I got everything ready and than I talked to them thank god because they gave me the wrong address on my certified letter. They said that was there old address. So if I would have overnights XXXX to them they would n't have received it and my house would be foreclosed. They do n't offer anyway of catching up. I have friends with there mortgage they have help and they work with them so they wo n't lose there house.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  appears on my credit report. I have not done any business with this company. Already removed from my   XXXX   credit-report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I contacted OneMain Financial for an installment loan of {$1000.00}. I specifically specified that I only wanted an installment loan of no more than {$1000.00}. I made it clear four times that I didn't want a title loan, and therefore not to run my credit report if it was going to be for the purpose of a title loan. When they got back to me, she said I was approved for a refinance on my title loan. I had been clear that I didn't want a title loan, yet they ran a hard hit on my report. I did not accept their title refinance loan. Please support my case against Onemain Financial. XXXX XXXX deliberately did a hard credit report inquiry against my permission and after their supposed credit approval tried to sell me to a title loan that was indeed a refinance to my existing title loan. At the start of the process, I made it super clear that I did not want a title loan and that I only wanted a {$1000.00} installment loan and definitely not a title loan.
Product: Credit reporting or other personal consumer reports

The XXXX reporting on my credit report has been paid in full. The account status should be shown as closed and paid. I called XXXX and confirm the account was closed last year. The late payments were in error and they agreed to delete it. I've repeatedly requested Equifax to investigate so they can see for themselves that the account is reporting in error. However, nothing has been done and the accounts remain on my credit report.
Product: Student loan

XXXX XXXX ( now Navient ) offered me to consolidate my loans. I accepted but when Congress passed the law to allow the student loan forgiveness programs, I called them to ask if I would qualify for it since I worked for a XXXX XXXX XXXX. They told me that after 120 on time payments I would. Now that I made the 120 payments, they said that because my consolidation was under the Smart Loan Consolidation and not a Direct Loan Consolidation I did not qualify. I was given deceiving information to prevent for obtaining the public service loan forgiveness program.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I sent a letter to the courthouse asking do they report bankruptcies to credit bureaus an got a letter back stating THEY DO NOT report any bankruptcies to anybody. So if that the case how did the credit bureaus verify these bankruptcies as 100 % accurate They never did a fair investigation according to 15 USC 1681 ACT 15 USC 1681 section 603 ( 3 ) ( E ) states the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interview with neighbors friends or associates of the consumer reports on or with outhers with whom he acquainted or who may have knowledge concerning any such items of information. however such information shall not include specific factual information on a consumer credit record obtained directly from a creditor of the consumer or from consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous of times. 
The credit bureaus violated my given rights under 15 USC 1681 According to 15 USC 1681 section 602 A I have the rights to privacy & also states a consumer reporting agency CAN NOT furnish a Account without MY WRITTEN INSTURCTIONS
Product: Credit card or prepaid card

I made two purchases through XXXX with my Apple Card on XX/XX/21 and XX/XX/21 for {$49.00} each to XXXX. The program I was using through XXXX has a serious programming flaw virtually wiping my purchases without use. I submitted a complaint with XXXX and was told their was nothing they could do. I will submit two statements from XXXX admitting there are issues they are trying to resolve. However, they have done nothing to make me whole for my losses.
Product: Debt collection

Company contacted me. I asked them first to send me verification of the debt. They advised they would email it to me. I never received an email and checked my spam daily to make sure I didn't miss anything. 

They called back and said somehow they forgot to send. I waited again and did not receive an email. Gentleman called back and accused me of lying and not wanting to pay the debt. I advised him that I simply wanted verification of the debt and his company 's legal entitlement to collect the debt, as it was not on my credit report. 

I then asked for his name and mailing address so I could send a request for debt verification in writing. He refused to give it, kept talking over me and not addressing my request for this information. He then threatened to garnish my wages for the full debt amount and not the offered settlement amount. He became irate and very combative like nothing I had ever experienced before.
Product: Checking or savings account

Last week got child support on go program card. Fine until most of all funds gone. So I reported the card lost. So the last remaining XXXX dallors won't disappear. Then at this point the go program. Won't take my calls. Can't login online or on the app. So I call XXXX then told me to do everything I already did. Then a worker at XXXX Named XXXX. Told me to put the wrong social security number in. That didn't work and I had called XXXX 3 times with no help with the card company they hired. Then the last thing XXXX person said was I lost my money and can't do anything about it basically. Fraud should be taken care of as soon as it's done
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed an inquiry on my credit profile from Equifax Mortgage Company. Ive never applied for any services with them. Ive contacted the company directly 4 times asking them to remove this inquiry but they just give me the run around. Theyre not able to verify that I applied. I asked them to provide the IP address for the computer/mobile device used the day of the alleged inquiry from me and they were unable to provide one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to transunion, XXXX, and XXXX  several times regarding inaccurate late payments that are being reported for my credit acceptance account. Please see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$220.00} HWY XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Mortgage

I applied for a loan with guild mortgage and I believe it is a predatory loan. This loan reaped guild a lot of money while causing me harm in paying 10x the amount to purchase. I believe my loan officer was more concerned with commission and did not explain all my options to me. When I closed on the house I asked if PMI could be removed and was told in 12 months I could remove. When I called in 12 months I was told that PMI was on for the life of the loan based on the loan type I signed. I believe that mortgage companies should be honest and should read the disclosures out at the time of closing. I was mislead in the process and would like to be compensated. I would like to see what underwriting guidelines Guild followed in my process. Based on a suit in 2016 of Guild I am worried that there may have been issues with the underwriting of my loan.
Product: Checking or savings account

Citibank closed my checking and savings account weeks ago under the " fraud activity '' guideline while providing no basis or real answers as to which activity was fraud like. I was told that I would receive a check with my balance in 7-10 business days but that didn't come. After weeks I finally call Citi and they tell me that my account isn't closed but on hold and under review. Now it may take 60-90 days for my funds to get to me. This is completely different than what I was told on the phone and in one of the branches.
Product: Debt collection

Amsher Collection Services INC. has submitted negative information in my name without my written consent. This is considered identity theft and fraud ( 15 USC 1681B ( 2 ) I have never contracted with Amsher Collection Services INC. I sent them a letter dated XX/XX/year> asking them to prove i have contracted with them and I owe them a debt. To this day I have not received a response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  keeps asking me to sign back up they charge way to much money and when I did have them they didn't get much done for me my credit isn't bad I only have one collection account and all my information got leaked out over the Internet in XXXX and again in XXXX they also had a lot of different issues on their website telling me I didn't have right login information and I had to call them several times to get it fixed
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX a.m., I called Capital One-GM Buypower Card Rewards ( XXXX XXXX XXXX ) and spoke with XXXX ( mgr. ) concerning shortchange in earned GM Buypower Rewards per advertising ( " 5 % earnings on first {$5000.00} in purchases every year, then 2 % unlimited earnings on purchases after that '' ). 
I indicated that first purchases made and posted for the year, from XX/XX/XXXX to XX/XX/XXXX alone ( {$7100.00} total ), more than satisfied the advertised criteria ; earning the maximum rewards permitted at established initial rate of 5 % ( {$1300.00} ). 
I was told by XXXX that application of earnings at said rates are effective upon cardholders ' anniversary date ( XX/XX/XXXX ) and purchases made qualified for 2 % rate instead ( {$66.00} ). 
I informed XXXX that neither throughout buypower.com website, nor independent card product endorsement advertisements, does clear specification of aforementioned " condition '' exist to inform current or future cardholders. Lack of such, is misleading and deceptive. 
I was told if I can furnish " proof '' of said advertised wording, it MAY be considered, otherwise there is nothing that can be done. To no avail, I repeated various times that specific language is boldly advertised on their own website with nothing to the contrary. 
At XXXX a.m., with " proof '' ( buypower.com screenshots, independent advertising ) to provide, I called GM Buypower Card Rewards and spoke with XXXX. 
Upon providing my information to establish identification, XXXX proceeded to dominate call by speaking over me with redundant and evasive scripted material ; denying / preventing me from speaking or furnishing " proof '' initially demanded. Call was terminated.
Product: Debt collection

Over 12 years ago, I had a checking account with XXXX XXXX. I had several outstanding Payday loans, which became overwhelming. I quickly became overdrawn with the bank and received multiple charges for being overdrawn. It became so bad that I my entire check, which was direct deposited, was getting taken by these charges. I went to the bank and told them my problem and asked to close the account so that I could deal with the loans. The bank refused to close my account and continued to amass fees which totaled over several thousand dollars. I, finally, stopped my check from being deposited to XXXX. The continued to bill me these charges until the payday loan companies stopped attempting to collect from them. Now, I am being threatened Asset Recovery Solutions LLC for {$2200.00} I had talked many times with XXXX over ten years ago about trying to explain this billing which I felt was excessive and illegal. They took several thousand in my total paychecks when my account was open with them. I feel that I have overpaid them already and should have debt collection agency bothering me again.