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

XX/XX/XXXX someone stole my husband identity, his name is XXXX XXXX. Taking out multiple loans online for electronics. These loans included XXXX different companies, XXXX out of the XXXX were great. We had a police report, our local police investigation the issue. We were able to provide paperwork and documentation of the fraud and resolve the issue. However, the third company is XXXX Bank and they have been HORRIBLE! We have called and called and called and are always told ; we do not have many staff in the fraud department and no one is here to speak to you. We were give a fraud like we could call and leave a voicemail with no response EVER! We finally in XX/XX/XXXX to at least email us the fraud paperwork we needed to fill out and submitted it. Just to continue calling and getting the same line but no information. In XX/XX/XXXX some finally confirmed for me they received our paperwork and we should receive an email my the end of the month with instructions on what they needed from us. Well we never got that email. The fraud line now no longer even takes voicemail, its just hangs up on you. They recently gave me an email address which again no response. I have offered multiple times to send our police report in and they just tell me someone from fraud will have to talk to me. At one point we were making payments on this loan to ensure it did not hit our credit, they are stopped taking our payments and our online account no longer shows a balance but I can not get ANYONE to speak to me about the claim. Is it resolved? I am literally in tears over this. I have no where to turn. I ask to speak to a XXXX  or someone higher up and they just tell me there is no one for you to speak to. I am sorry. The emotional stress this has caused my family and I is in describable. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I was subject to identity theft. There are fraudulent accounts on my report that I do not recognize. They are listed below. Please have these removed ASAP as they do not belong to me. Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX and original creditor XXXX XXXX XXXX XXXX  appears on my Transunion credit report without notifying me 5 business prior to being reinserted. This is a violation of FCRA rules section 1681.
Product: Debt collection

I have received XXXX  through XXXX XXXX XXXX around XXXX. While the XXXX  were somewhat working, my dentist told me that I shouldn't have been on them because of my XXXX  XXXX. She told me that XXXX was a horrible company and their dentist should've known by my XXXX scan that I shouldn't have been eligible. Not only that, they were hurting my teeth since they didn't fit properly most times and had to get refitted. After the bankruptcy, XXXX was taking out payments from my card and I called my bank to stop payments. Only because, I want to receive proof from the legal successor of a new creditor. XXXX is not the new buyer and still sent me to collections. I received emails, multiple calls from Tekcollect ( with different numbers ) and no one called or answered my emails back. I called both today XXXX to resolve at first, but now I want documents proving there's a new buyer of the contract and XXXX. Otherwise, they have no right to send me to collections after a company goes bankrupt. I will respectfully pay if these are provided.
Product: Vehicle loan or lease

Bought a XXXX XXXX XXXX. The color I wanted was not available so I signed the papers ( on XX/XX/XXXX ) before I saw the car. When I picked up the car ( on XX/XX/XXXX ) I saw that the window sticker was {$34000.00} total suggested retail price but they charged me {$36000.00} for the car, NOT including any taxes or fees. ( And they have a HIGH pre delivery fee/e-registration filing fee ). AND they charged me for GAP coverage ( {$1200.00} ) that I specifically asked the Finance Manager to take off ( he had me sign a form to take it off and said it would be done but its still on my contract and in my payment ). I did not see a copy of the contract until XXXX when I got a letter from Toyota Finance in the mail with instructions for how to access my account. I believe they intentionally did not send me a copy of the contract until after the 3 day grace period had passed. I have called multiple times in the last 24 hours and no one will call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$6300.00}, {$83.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$83.00} -This is not my account.
Product: Mortgage

For the past 3 years I have had lender based insurance placed on my home over a few days of lapse each year due to issues with my insurance company and a yearly fee that is not auto drafted from my account. Never more than 10 days. They have proof of my reinstatement, proof of insurance in their record and have place and charged me for full year policies over these few days of lapse and are refusing to refund the policy placed by them. I have spent some over XXXX hours on the phones with them. No one will help its constant back and department to department. Everyone saying its not their department. What are my options?
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX  Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submit this complaint to you in hopes that you are able to help me resolve the issue that I am having with JPMCB Card Services. The data that has been furnished to each consumer reporting agency fails to meet the Fair Credit Reporting Act and Fair Debt Collection Practices Act guidelines to ensure that data furnishers provide information with maximum possible accuracy, and only data that is accurate and complete. 

There have been multiple errors identified in the information that has been furnished to the consumer reporting agencies that include ( but not limited to ) missing information, inconsistent data, and an infringement upon my consumer rights to privacy. I have written to them identifying a significant number of infractions as it relates to their reporting practices. 

Additionally, I have also written to the company on numerous occasions in reference to the missing 1099-C form that is due as result of their decision to charge-off the credit card balance I once held with their organization. As I comprehend the law, it is the responsibility of federal or government agencies or applicable financial entities who discharge ( cancels or forgives ) debts owed of {$600.00} or greater require that the creditor and the debtor submit a 1099-C, Cancelation of Debt form. However, I received notice from their attorney stating My client has not issued a 1099C for this account and is not obligated to do so at this time. I am disagreement with this response as the IRS does state the entity that charges off a debt does not have to file the 1099-C form right away ; however, they are required to supply the form to the debtor. 

This is very concerning because it is my comprehension that the accounts change in status from debt to charge-off status converted the account from a debt account to an income account ; yet, Chase continues to report this account as a debt account to the consumer reporting agencies. This misleading and inaccurate information being furnished is injurious to my reputation.
Product: Debt collection

This is not even the original debt collector, this debt was paid in full with the original collector, this debt was sold without my knownledge. When I saw that this debt was on my credit report, reporting inaccurate I called the company several times to explain that I was no longer responsible for this debt because it was paid, they kept hanging up on me. Please remove this from my credit report, this account was sold from the original collector, after the fact that it was paid, and all equipment returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unconfirmed inquiry lacking certifiable evidence I would like them to be removed please. 

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

Please consider this my formal complaint against Experian National Consumer Assistance Center.

At the start of XX/XX/XXXX I ran my credit report and found Experian was reporting a Bankruptcy chapter-XXXX discharged on XX/XX/XXXX. I wrote them to dispute this derogatory report at least 3 times asking them to VALIDATE the bankruptcy report. They came back with it being verified as accurate each time. I made it a mission to find out how this was so.

I wrote to the County Recorder of Deeds and the Bankruptcy Court in the county the bankruptcy was being reported from. They reviewed the Public Record section of the Experian report and mailed me letters ( see attached ) which stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Experian National Consumer Assistance Center has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly, so I found out who these third-party companies are & requested my reports. I wrote Experian again on XX/XX/XXXX and XX/XX/XXXX asking them to VALIDATE the derogatory report ( see attached ). I stated I had letters from the 2 major data mining companies ( XXXX & XXXX ) as well as the letters from the bankruptcy court. Experian still insists they have verified the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX XXXX. I setup a payment with my bank ( XXXX XXXX ) to pay account off. XXXX XXXX flagged my payment as fraud and closed my account including cutting me off to review it furthermore they marked it as late. I wasnt notified and didnt find out until I received a credit monitor alert. I have zero control of them not accepting my payment. This happened once in XXXX, I contacted them they reopened my account I paid in full second time was in XXXX they would not open my account but paid in full but its on my credit report. The late payments Is due to their fraud flag from a reputable bank and zero fault of mine.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b, I have never given consent to report any OF THE FOLLOWING accounts on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND EXPERIAN did not have my consent to report any of the following items above. It constitutes an not having permissible purpose. No consent is identy theft!!! This law states that whoever knowingly transfers, possesses, oruses, without lawful authority, ameans of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term or imprisinmentof 2 years. I request a copy of the SSA 89 or SSA 3288 advising that if they were going to pull my credit they would have to have all these documents signed.
Product: Credit card or prepaid card

Citi has owed me over XXXX dollars from fraudulent charges for months. I called them and alerted them to both issues. They have closed the dispute My card was used in an online fraud scam and they said not to worry, but have now charged back a XXXX charge to my account. There was also a billing dispute where I submitted evidence of a XXXX over charge that has not been resolved. 

Below is the letter I wrote to citi after hours on the phone with them. I have received no response. They refuse to resolve this and in addition have refused to resolve an issue where a XXXX unauthorized fraudulent charge on my account. 

I am writing to resolve a billing issue with XXXX XXXX XXXX Dispute ID - XXXX ). This company has demonstrated predatory business practices with me and are unwilling to resolve their mistake. I am attaching a screenshot involving the order in question from XXXX. I had used a promotion code that they sent to my email, this promotion code took the cost of an order from {$300.00} to {$120.00}. When I paid with my double cash credit card I authorized the purchase total of {$120.00}. 

The issue arose a few days later when I noticed I had actually been charged over {$300.00} for this order. I noticed and got in touch with XXXX immediately. They refused to acknowledge the error had taken place, regardless of the screenshot I had provided. I was on the phone with them for over an hour and no one would take responsibility for a simple mistake. They hung up on me and closed my account before I could access any invoices or other proof of their predatory business practices. Their business model revolves around promotions to get customers back, this is exactly what I did. They ended up charging me for an amount I did not authorize. I wouldn't have known they charged me that amount if I had not checked my recent transactions on my Citi App. 

Thank you for taking the time to help me resolve this issue. As a customer my whole adult life, I have always enjoyed knowing that my finances are secure and in good hands with Citi, and look forward to continuing feeling that way about your company. 

Let me know if there is anything else I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022, its been way over 30 days, I still have received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights.
Product: Debt collection

I received a notification today that a collection was added to my credit report in the amount of {$1400.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The complaint, referenced as FTC Complaint Number XXXX, was filed on XX/XX/XXXX. 

Complaint Description : My credit report shows several unauthorized inquiries that were made without my consent. When I contacted the creditors responsible for these inquiries, they confirmed that they have no evidence to show that I initiated the inquiries. Additionally, they could not provide any written or verbal authorization from me to support these actions. 
Given the lack of valid authorization for these inquiries, I formally requested their immediate removal. However, the credit bureau has failed to provide a satisfactory response to my request, prompting me to escalate the matter to the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements. 
Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX fraud department contacted me claiming UNUSUAL and Unauthorized activity on two XXXX XXXX credit cards.these cards have been BLOCKED and online activity has also been BLOCKED as a result of XXXX claims. But These cards are being reported by XXXX to my credit report. XXXX also believes this account was not opened by me. Therefore, XXXX by their own admittance are reporting inaccurate information to the credit bureaus. I am demanding the following accounts be deleted from my credit report. I am providing statements made by XXXX   representatives and their fraud department to confirm my dispute.

1. XXXX XXXX Credit Card ending in XXXX 2. XXXX XXXX ending in XXXX
Product: Debt collection

I received a letter from a debit collector stating if I do not pay them. They will take legal actions against me. I have reached out to such debt collector for them to validate this erroneous information on my credit report. I have yet received a response.
Product: Debt collection

XXXX has reported a debt from RSH and Associates for {$2300.00}. I called and inquired about the charges. RSH purchased debt from XXXX, now no longer in business. I never ordered or received the sleep equipment that the current creditor ( RSH ) claims that I received from XXXX. I spoke to RSH representative XXXX XXXX at XXXX. I asked XXXX for documentation with itemization of the bill to provide me, since I never received any sleep equipment. XXXX XXXX stated " I 've noted your account that you are disputing charges, but we will not delete it ''. I then asked if I could get a copy of the original invoice, he told me that they were not required to provide any documentation from the creditor regarding charges owed. When I asked to speak to a manager or supervisor I was told " that is not an option ''. XXXX said the manager said he refused to take the call. He would not provide the name of his manager and hung up on me. Without any documentation of the creditor services, equipment or charges this item should be removed my XXXX credit report altogether according to my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY XXXX XXXX # XXXX. The dates were XXXX, my income was affected due to the COVID-19 Pandemic shut down. I am in the middle of moving and this alate mark is preventing me from moving in to a new apt . I was under the COVID-19 SHUT DOWN. The CARES Act calls these agreements accommodations.
Product: Checking or savings account

An unauthorized ach payment was pulled from an account not listed on my payment available list. Also was informed that any reoccurring transactions were stopped. I had already made a payment prior to due date to satisfy the payment for this billing cycle. This caused my external account to over draw and incur fees
Product: Checking or savings account

I opened my account In Person referred by my fiance. I was approved for the account, I asked to have my documents mailed to a second address ( mail at our apartment goes missing and fraudulently used all the time ), they told me it was no problem. A week later my account was frozen. They told me it was because they did n't have verification of the address on the account. Apparently when i asked the branch to send my things to a seperate mailing address, they instead changed the address thats connected to my account to the address I requested as my seperate mailing address. I was not advised they were doing this. So I sent them proof for the new address ( its a home we just purchased XXXX XXXX ) but i was told to wait another week for a response- I never authorized them to actually change the address and I would have given them proof of address in person if theyd asked. if they told me they were going to update my entire address I would have told them not to. As a result, I ca n't see my doctor for needed prescription refills, its been a week since I ran out. There is a chance that they may decide to send me a request for more information as apposed to reopening my account. I was advised to go to a branch but i cant get off work, and this address change was never authorized. Please help me. My only recourse at this point is to start banking with a XXXX  card. It 's been 2 weeks since I have had access to my account and I am not sure when i will be able to access it again, and they refuse to expedite it.