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

The latest credit report I have is from XX/XX/XXXX, so if any more were added after that, they are fraudulent as well. 

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 EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB ( Case # XXXX and XXXX ) and received a response from XXXX ( XXXX ) via CFPB on XXXX.Because i disagreed with erroneous response, I decided to call them ( XXXX ) on XX/XX/XXXX at XXXX XXXX and spoke with XXXX.I explained to XXXX that i wasnt allowed to opt out on new terms when XXXX transferred over to XXXX XXXX XXXX card, and according to CFPB on new terms, i have the right to opt out.XXXX  said we sent all paperwork on new terms via email, since i opted out of mail sent to home.While i was on the phone, I told her let me look up my past emails on my computer as we where talking on the phone.After looking for emails, I stated to XXXX, I looked back to XXXX and there is no emails with new terms or anything regarding the new XXXX XXXX XXXX card.I also stated to XXXX, all i see is is XXXX XXXX XXXX  adds.Then XXXX said XXXX ok, we sent the new terms and all paper work with new XXXX XXXX XXXX card.I told XXXX, i did not receive any paperwork with the new card and all i received was the new card.XXXX then said you activated the card! .I told XXXX, I never activated the XXXX  XXXX XXXX card cause i didnt want the credit card.I told XXXX to check her records.Then XXXX said, my card was closed for innactivity.I told XXXX, that all complaint responses from XXXX, XXXX , XXXX  XXXX transunion does not say anything about inactivity.Then XXXX said " we can close your account for any reason at anytime '' .I told XXXX, your back XXXX cause my account was closed for erroneous reasons.XXXX  said, CFPB does not control XXXX XXXX buisness practices and CFPB is wrong if they say I have the right to opt out if there are new terms.Then XXXX said your card was inactive for 25 months and we reduced your credit when you had XXXX for that reason without me knowing.I told XXXX, something stinks , something is wrong and what XXXX is doing is very wrong.XXXX  stated, we cant help you and parted ways on the phone.Therefore, XXXX closed my account without me knowing during the corona virus pandemic and didnt give me the option to opt out/in on new terms.CFPB states I have the right to opt out/in on new terms.XXXX buisness decision as stated in there response letter, says I dont have a opt out option is violating credit laws and is wrong.And XXXX at XXXX is feeding me a bunch of false information.Because of there actions, this account is closed and this dropped my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these accounts off of my credit report, I did not authorize these accounts nor did I open them. I was incarcerated for 9 years and just recently was released XX/XX/XXXX therefore impossible for these accounts & inquiries to be mine. 

XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$430.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX ( XXXX XXXX : XXXX CAPITAL XXXX BANK XXXX XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX {$650.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$530.00} XXXX XXXX XX/XX/XXXX {$800.00} Inquiries XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX  XXXX XXXXTotal Card shared information with unauthorized third party, XXXX XXXX XXXX XXXX 
Per XXXX, account charged off as of XX/XX/year>. XXXX  XXXX XXXXTotal Card failed to provide an IRS Form 1099-C. This is a direct violation of tax code as XXXX  XXXX XXXXTotal Card charged off account and received credit. 
XXXX  XXXX XXXXTotal Card is in violation of 15 U.S.C. 1681 ( FCRA Violations ) which covers improper credit reporting and unauthorized access to consumer data and 18 U.S.C. 1028 which covers identity theft and fraudulent use of personal information as a collection account was opened with out my authorization.
Product: Credit reporting or other personal consumer reports

I asked the bureaus to update my address but they dont ever do it. 

I need these addresses removed immediately as information attached to creditor reports of other people with similar names and addresses keeps being reported to mine. 

XXXX XXXX XXXX XXXX ( Address not mine ) XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX ( Address not mine ) XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Address not mine ) XXXX XXXX, TX XXXX XX/XX/XXXX I only live here : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Account # : - XXXX ( UNVERIFIED ) XXXX XXXX Account # : - - XXXX ( UNVERIFIED ) XXXX XXXX  XXXX Account # : - XXXX ( UNVERIFIED ) XXXX XXXX  XXXX Account # : - - XXXX ( UNVERIFIED ) XXXX XXXX Account # : XXXX ( UNVERIFIED ) XXXX  XXXX Account # : - XXXX ( UNVERIFIED ) XXXX XXXX Account # : XXXX ( UNVERIFIED ) XXXX XXXX Account # XXXX XXXX ( UNVERIFIED ) XXXX Account # : XXXX ( UNVERIFIED ) XXXX XXXX XXXX Account # : XXXX ( UNVERIFIED )
Product: Debt collection

on XXXX/XXXX/2021 i called revco solutions to talk about my credit card debt with XXXX. i understand this account was sold to them from XXXX. However, I did not receive anything saying my personal loan debt belonged to this company from XXXX. the lady stated on today XXXX/XXXX/2021 that i have two accounts with them from XXXX. it should only be one, the credit card debt. i do not trust this company sorry.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the 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 consists of an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a student loan account opened at DEPT OF EDXXXX on XX/XX/XXXX under the account number XXXX,, a student loan account opened at DEPT OF EDXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX CONSUMER on XX/XX/XXXX under the account number XXXX. 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 copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX had reported a late payment in XXXX. In XXXX, this late report was corrected and was removed from my report. 

In XX/XX/XXXX, Equifax and XXXX began reporting this payment as a late payment, which caused my credit to drop by XXXX points. I've reached out to them both countless times, as well as XXXX to find out why this had reappeared on my credit report. 

XXXX ( XXXX / XXXX ) advised they did not instruct Equifax or any reporting credit agency to relist this late payment. In addition, this is not reported with XXXX or XXXX. 

Equifax XXXX is not removing this error from my credit report even after countless disputes and phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continue to report inaccurate and incomplete information on my credit file. I have reached out to Experian several times and sent in doucmentation proving the information being reported is incorrect however it still appears on my credit file. I have also tried to call and explain this dispute and currently a incorrect public record still appears hurting my credit tremendously.
Product: Debt collection

I have already paid this bill back on XX/XX/2018 I took a screenshot of the bill paid directly to XXXX at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

MID SOUTH ADJUSTMENT ACCOUNT NUMBERS : XXXX, XXXX, and XXXX. 

There are three accounts total with the same partial number. 

These are a complete violation the NO SURPRISES ACT. 

This is a violation of the HIPPA Laws. 

I never gave Mid South Adjustment a HIPPA written authorization to obtain my medical information or use them in any way.
Product: Credit card

On XX/XX/2024 I was charged what I believe to be an excessive past due fee by Capital One. I had made the majority of the required payment on XX/XX/XXXX ( well ahead of the due date of XX/XX/XXXX ). When I went to make the smaller final portion of the payment on the due date, ostensibly because the payment was after their XXXX XXXX cut-off time yet on the same due date, Capital One processed the payment for the next day and issued a late charge of {$39.00}. 

I called customer service on XX/XX/XXXX when made aware of this, and they stated that they could not assist me in removing this charge. I feel that the XXXX processing time on the same date that the payment was made was arbitrary and capricious. The supervisor pointed out that XXXX XXXX XXXX XXXX cut-off is XXXX. I responded that I do not bank with XXXX Also, XXXX is not particularly a paragon for good consumer behavior in light of recent events and government action against the bank. The supervisor also pointed out that the fee is being reduced to XXXX XXXX sometime in the future. I responded that this was due to government action ( thank you CFPB ) and not on the part of Capital One Bank. She told me that the bank is a corporation and has every right to make a profit. 

Excessive fees such as this are a strain on the public and are an unnecessary way of increasing profits at the expense of the consumer. This quite large fee to cover a partial amount due and missed by only a few hours on the same date is unfair and excessive. Moreover, the bank 's response to the requests was belittling and obfuscating. 

Thank for for you attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error, i am a consumer by law and my information was misused and now I have an unlawful account reporting negatively on my consumer report. Transunion has mailed me stating XXXX account # XXXX is verified as accurate ; however, if you scroll down under the definition section of the FCRA and read investigative consumer reports, I bring to your attention that it states : when a consumer reporting agency creates an investigative consumer report : Theyre not supposed to include factual information, it's supposed to be excluded, and theyre supposed to interview my neighbors friends or associates. Theyve failed at those responsibilities. Furthermore; proving that if they do not remove the account immediately they are civilly liable and its also inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX  Date of Inquiry XX/XX/2023
Product: Credit reporting or other personal consumer reports

Thank you for your efforts in removing some of the items from my file related to alleged fraudulent activity. However, there are still items that need to be addressed. According to FCRA Section 605, you are required to remove any items listed in ID Theft Report # XXXX. Per Section 605B ( a ) of the Fair Credit Reporting Act, you must remove any items opened without my knowledge, consent, or authority within four business days upon receipt of the following : ( 1 ) Appropriate proof of my identity ; ( 2 ) A copy of the identity theft report ; ( 3 ) Identification of the disputed information by me ; and ( 4 ) A statement by me affirming that the information is not related to any transaction I conducted. Please see the items for removal listed here : Experian XXXX, XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXX Date opened : XX/XX/XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX ( Original creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$3600.00} -- -- -- -- XXXX XXXX  Date opened : XXXX XXXX, XXXX XXXX Balance : {$230.00} XXXX  Date opened : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. You have four business days to remove the reporting of any items in my credit file associated with alleged fraudulent activity. I do not consent to the use of E-OSCAR or any automated verification methods. Your immediate attention to this matter and a response within four business days are required.
Product: Credit card or prepaid card

For the past couple of years I have maintained a Williams and Sonoma branded credit card through Comenity Bank. In XX/XX/2019 I attempted to go online as I always to and make my payment, my balance due was approximately $XXXX.  I was unable to log in using my account information which had been fine the previous quarter. I was traveling and unable to physically  pay my bill or call and the bank notified the credit agencies of my delinquency. My payment became past due. When I was finally able to call them I was offered no explanation as to why I was unable to make a timely payment online.  Instead, while I informed the representative that I intended to make a payment and close the account, she barraged me with balance transfer offers. I believe the website was purposefully unavailable to force customers to call in and speak with a representative in an attempt to gain more business. This has resulted in my credit score declining from XXXX to XXXX. I filed a complaint and the company did not respond. I believe many other consumers may have been impacted by this fraudulent activity and request that you investigate this matter as soon as possible. This is not dissimilar to the alleged “old” practices of XXXX of sabotaging customer accounts and then offering a great solution.
Product: Money transfer, virtual currency, or money service

I sent a transfer to XXXX, and the bill said that it could arrive on XX/XX/XXXX or even earlier, but the XXXX side has not received it now, and it does not work to go to the bank to ask
Product: Credit reporting or other personal consumer reports

This account was never late and confirmed to be closed and satisfied. My credit report doesnt reflect this, the company has confirmed they need to return my security deposit and still have not
Product: Debt collection

A debt collector called National Credit Adjusters or NCA appeared on my credit. I have tried several attempts to have this fully investigated by asking for NCA to provide the IP address. ( If this was done online ) Also I asked NCA to fully itemize the statement, prove my signature, time and date of opening of the original account, etc. I also submitted a complaint to the XXXX for help however they stated their assistance is very limited in debt collections. The original creditor is XXXX XXXX XXXX XXXX XXXX. NCA reported to the credit bureaus that this account was opened XX/XX/2020 ( 1 yrs, 6 mos ). I absolutely did not open any account with XXXX XXXX XXXX XXXX XXXX. I dont even know who this company could be. I tried disputing with XXXX stating I cant believe I have to prove my innocence. I did not open this account. They asked if I wanted to file this under fraud or identity theft and I told them I dont know because I dont know how this appeared on my credit because it isnt mine. The customer service representative mustve disputed it under fraud and locked my credit file ( without my permission ). I am not sure if this is fraud or identity theft or a case of mixed information. There is another family member with the same name. Regardless, this is not mine. NCA sent a response back to XXXX stating they couldnt discuss anything with me for 30 days because its filed under fraud. Yet I have disputed this on multiple occasions prior and they did not produce a full investigation. A full investigation must take place including IP address location, etc because this was not opened by me. Please help. I am an honest person and fully agree that I need to pay my bills and I do and will. I take full credit for my bills. This is NOT mine. Please can you help me. I would absolutely pay this if it was mine. But it isnt. I do not know how this appeared on my credit or who may have tried to open this in my name but I did not open this. I would not waste my time and energy on this if it was valid. Possibly NCA made a mistake or someone used my name and social. I did have my social security card and birth certificate stolen from the apartment I lived in at the time of this opening. I did not report to the police due to being afraid of the neighborhood I lived in and I worried about repercussions from my landlord and maintenance crew.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters to Experian for the longest now. I sent in hard copy letters ( certified mail ) regarding 6 accounts on my Experian report that they are failing to verify accurately! I have a copies of the letter I sent in. I have not yet received any information in the mail from Experian regarding these accounts explaining that they are mine. No one has sent me information on how they verified these accounts. You can just select " verified with company ''! NO I want to know how you verified this information, who did you speak too, what was the agent name, time, and more! I want to see a physical copy with MY SIGNATURE on it verifying that, those are my accounts. Accounts are listed below. 

XXXX XXXX : Account number XXXX  ... 
XXXX XXXX XXXX XXXX XXXX : Account number : XXXX : Account was PAID AND FULL. There shouldn't be a LATE PAYMENT up there. Please remove inaccurate information. 
XXXX/XXXX  : Account number : XXXX Account is not mine. Please validate, remove from my report. 
XXXX XXXX XXXX XXXX : Account number : XXXX, Account is not mine. Please validate, remove from my report. 
XXXX/XXXX  : Account number : XXXX Account is not mine. Please validate, remove from my report. 
XXXX : Account number : XXXX ... Account is not mine. Please validate, remove from my report. 

Experian failed to send actually proof to my home verifying these account with any of my information on them. They have violated the right under the FCRA. I will sue, if no one can show me signed contracts with my signature for these accounts. These accounts are hurting my credit profile. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN MEMBERSHIP ID # XXXX. 
The Experian site is indicating an 'unscorable ' without any display of any credit score. I want the site functioning allowing access to credit, loans, etc.. The site representative stated they haven't received any loan information since XXXX, this, the, XX/XX/XXXX. The XXXX XXXX XXXX collection is indicated and scheduled to erase and delete on XXXX XXXX XXXX XXXX. In addition, I have attempted to contact the Experian via email to upload, but, the Experian haven't fixed the problem. I recently had the hard inquiries removed, the score should be XXXX, current. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.