23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a call today on my cell phone from an individual looking for my spouse 's relative ; he did not provide his name or company information. The area code belonged to my area and call screening said they were calling about a delivery ; I am expecting a delivery, so I answered. He said that they were attempting to deliver certified mail to the relative 's address and provided the address, which is how I knew that it was indeed a relative. I stated that the person is related to my husband and I can relay a message but I'm not in close contact ; we don't live in the same state. The caller asked if XXXX is my name, and I said " yes. '' He provided me a phone number and reference number to pass along to my relative. I did, and the relative said they do not have knowledge of any collections and did not provide my information to anyone. Relative confirmed they do not even have my phone number. 

I called the number that called me ( XXXX ) ; a man answered " hello '' but did not respond to my questions or say anything else. I called the number that was relayed to the relative and was connected to a " XXXX XXXX '' at either extension XXXX or XXXX. I stated that I was getting calls for someone not at my number and he asked if I knew the person by name. I said that yes, I know them, but I am not connected to them. He said that he would send the information to someone who can remove my number and then disconnected the call before I was done speaking. I called back a few moments later and asked XXXX for the mailing address to which I can send a certified cease and desist letter for calling my number. ( I have gotten several calls in the past but do not know if I still have the call history ). He refused to provide the address or name of the company, stating that my phone number was not associated with any accounts. 

The number I was instructed to pass along is XXXX. A XXXX search of that number brought me to the XXXXXXXX XXXX XXXXXXXX XXXX XXXX website, which lists Enhanced Recovery Services , Inc. at XXXX XXXX XXXX XXXX, XXXX FL XXXX as the owner. However, XXXX maps shows the business to be permanently closed. 

Since I answered " yes '' to the first individual who asked if my name was xxx and the business seems to be closed, I am concerned that I made myself a victim of a scam.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I made a CFPB complaint about my bank and they retaliated by closing my account with no notice or reason why freezing all my assets unable to deposit withdraw or use debit card
Product: Prepaid card

Obtained a prepaid debit card through a cashback website ( XXXX ). They issued a card through XXXX XXXX XXXX  When requested, I received this email below. Unfortunately, I didn't realize the expiration date was 6 months from the issue date. I contacted them and said per terms, the funds are forfeited after 6 months. 

Hello XXXX, Congratulations! Your USD XXXX XXXX XXXX card is just a click away. 

Simply click the link below to access a virtual card and use it to shop online immediately. 

Access Your Card Youve exchanged your payable cashback into a prepaid card using a service that we provide in partnership with Prepaid Digital Solutions. The link will take you to their website, where you can access and manage your cards. 


Save this email! 

Click the button again to view your card balance, access your transaction history or return to your card details. 


If the link does not redirect you, please follow these steps : 1. Visit XXXX 2. Enter your prepaid digital token : XXXX For assistance, click the contact us button on our homepage Use your card anywhere XXXX XXXX  cards are accepted around the world. Card is issued by XXXX XXXX XXXX, Member FDIC, pursuant to a license from XXXX XXXX XXXX. Please note, access to your payment expires on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FICO score division of TransUnion is reporting a serious delinquency on my XXXX XXXX. No delinquency of any type exists. No company has reported and type of late pay or any delinquency because one does not exist. Their computer generated this delinquency because a credit card account showed a balance but no reporting from the credit card company and their computer interpreted this as not making payments. The balance does n't exist and there has been no activity on the account. The delinquency does not even exist on TransUnion 's credit report. It is the FICO divisions computer that is assuming this delinquency. I disputed it and got a letter from TransUnion saying it had been updated. Yet it is still being reported that there is a serious delinquency. It has so far cost me in higher insurance premiums and is showing up on my report while I am trying to buy a new house.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote XXXX XXXX XXXX XXXX a letter to ask for a copy of a 1099 because the above account is charged off. This is not a refusal to pay but I believe that XXXX is in violation of the FCRA and FDCPA because I received a letter from XXXX in response to the 1099 and they responded by saying that the account was charged off in XX/XX/XXXX for {$14000.00}. The problem is they have continued to add charges to the account to now make the balance owed to {$16000.00} according to the Experian credit report that was pulled. I have two other accounts that are charged off with different companies and the balances have not increase after being charged off. I don't understand why the balance of this XXXX continues to increase an estimated XXXX dollars a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to the United States XXXX  Court asking do they report bankruptcies to anyone. Therefore, how did the credit bureaus edify my bankruptcy as 100 percent accurate if this is the case? They never conducted a fair investigation according to the United States Code 15 USC 1681.

Code Compliance 15 USC 1681, section ( 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 interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However ; such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer. 

- They violated my rights numerous times - The credit bureaus violated my given rights under 15 USC 1681 - According To 15 USC 1681 ( Section 602 A, states that I have the right to privacy ) - According To 15 USC 1681 ( Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- According To : 15 USC 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, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX is reporting that the account was charged-off in my credit report. I don't even know what this account is!!!! I have requested that the original credit furnisher provide a copy of the credit card application proving my liability in this debt but they have not sent me anything. I have disputed this account with all 3 bureaus and XXXX and TransUnion have removed this account from my credit reports but, XXXX continues to report this erroneous account. Please remove it from my credit report! The next issue is a XXXX XXXX XXXX  # XXXX .... this account is also reporting as charged-off. Again, I don't know what this account is!!!! I have requested that the original credit furnisher provide a copy of the credit card application proving my liability in this debt and copies of statements showing that this debt is legitimate but they have not sent me anything. I have disputed this account with all 3 bureaus and TransUnion has removed the account but, XXXX and XXXX continue to report the information, please have them delete the account from my credit reports. Moving on, there is a XXXX XXXX Delaware account in my credit report ( account # XXXX .... ) which is reporting as included in Bankruptcy. The bankruptcy was filed in XX/XX/2015 and according to the FCRA, accounts included in Bankruptcy can only report for up to 7 years... It is now over 7 years and I am officially requesting the removal of this account from my credit reports. Finally, the Bankruptcy public record for the Chapter XXXX Bankruptcy filed in XX/XX/2015 should also be removed from my credit reports because the account is now over 7 years old ( filed in XX/XX/2015 ). Please remove all of these accounts from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I hired XXXX XXXX to repair my credit and they were successful which raised my credit score to XXXX which was good. Two years later my credit score went to a XXXX and I dont understand why -- 1 ) I am a US Citizen Retired XXXX XXXX but living in the XXXX for the 10-years so I do not make any charges on my credit cards? 
2 ) After I terminated XXXX XXXX in XXXX, my credit begin to drop and I do not know why 3 ) Items that were removed, deleted and off of my credit with 3-agencies has re-appeared on my credit and I dont know why 4 ) I hired XXXX XXXX XX/XX/XXXX and they informed me that Transunion is being extremely difficult after we already provide many items were not mine and many other items were paid-off, but Transunion continue to keep my score in the XXXX FYI : The majority of my credit cards have balances below {$500.00}, I have NEVER been late on ( Mortgage, Loan, or any other Payment ) since XXXX -- - 10-years ago. There is only 1-Credit Card maxed out which is XXXX  XXXX XXXX but nevertheless, payments are still made ontime. I have also re-hired XXXX XXXX  and according to them the SAME ITEMS that was taken care of in XXXX is back on my credit again. WHY?
Product: Credit reporting or other personal consumer reports

Hello, i am complaining here because i have contacting XXXX reguarding unauthorized usage of my credit, XXXX and XXXX have resolved this issue and recieved my complain, XXXX has not, I have never gave any authorization to have my credit ran by any of these companys, and I have kept all my information secure, I also have a fraud alert set up, You need to remove these fraudulent information immediately from my credit report as I am a victom of identity theft. Resolve in a timely matter. XXXX ( unauthorized company inquiry ) - XXXX XXXX XXXX ( Date XXXX ) XXXX ( unauthorized company inquiry ) XXXX XXXX XXXX ( DATE XXXX ) I HAVE ALSO CONTACTED XXXX  XXXX AND LET THEM KNOW ABOUT TJE INFORMATION AS SOON AS I GOT THE NOTIFICATION TOLD THEM TO IMMEDIATELY CANCEL THE CARD THAT IT WAS DONE FRAUDULENT AND THEY CLOSED IT IMMEDIATELY AND WE MADE A INVESTIGATION CLAIM REMOVE THESE UNAUTHORIZED INQUIRES ASAP THAT WERE PROCESSED FRAUDULENTLY AND INDENTITY THEFT RESOLVE THIS ASAP PLS.
Product: Credit reporting or other personal consumer reports

My credit report contains errors showing late payments that don't reflect my actual history. Please adjust it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data branch and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries are reporting on my credit report from fraudulent activity. I do not have any account associated with these inquiries. I opened up a XXXX card that was opened on XXXX that was pre-approved. XXXX did not hard pull my credit. These inquiries are misleading cause I was not applying for accounts.
Product: Credit reporting or other personal consumer reports

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX. 
LAST NAME : XXXX. 
XXXX : XX/XX/XXXXNSS : XXXX SECURITY FREEZE
Product: Debt collection

At approx. XXXX XXXX XX/XX/2023 synerprise called me about a debt. They asked me what am I going to do to resolve the debt and I said I will not. The agent then stated it will be reported to the credit bureau within a couple of months and I said it was illegal. He stated it wasnt as its above {$100.00} and I said it cant impact my credit. He states that it will and XXXX see it within the next couple of months. 

I called back and they hung up on me : I called again and requested their info.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not hindering records when I sent a multiple copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX
Product: Credit card

Filed a complaint regarding the credit reporting status after bankruptcy. Account was incorrectly reporting. I received TWO letters regarding the XX/XX/XXXX for servicemembers. When I contacted customer service, I was informed I applied over the phone for this, to which I did not. I have been out of the service since XXXX, and I paid off the account right after bnkruptcy, thus creating a XXXX balance. This account was closed after XX/XX/XXXX, and relief can not be granted for an account that is closed, with a XXXX balance. Bottom line... I did not apply for any type of relief under the XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX Creditor : XXXX XXXX XXXX, Amount : {$480.00} and {$79.00}, Date : XXXX XXXX and XXXX XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX Creditor : XXXX XXXX XXXX, Amount : {$280.00}, Date : XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX Creditor : XXXX XXXX XXXX, Amount : {$680.00}, Date : XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Accounts # XXXX Creditor : XXXX. XXXX XXXX  XXXX, XXXX : {$100.00}, Date : XXXX XXXX, 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: Credit reporting or other personal consumer reports

To Whom this may concern, I have have attached an FTC report with 1 fraudulent account and 6 fraudulent addresses to be blocked and removed from my credit report FCRA 605B. 

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 or other personal consumer reports

I've contacted all ( 3 ) three companies to inform them that I did not authorize any inquiries from them ; and to report this to the three Credit Bureau. 

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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 ; XXXX XXXX Inquired on XX/XX/2020 XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding an issue of utmost importance that has recently come to my attention. It has been brought to my notice that there is a debt in the amount of {$670.00} associated with my name, which I believe stems from a case of identity theft involving a stolen credit card. 

I want to clarify that during the period from XXXX to XXXX, I was unfortunately XXXX and during this time, I had no means of making any transactions, including those related to the aforementioned credit card account. Upon my release from XXXX I was shocked to discover the existence of this debt, as I had neither authorized nor acknowledged any transactions related to it. 

I have taken several steps to address this issue. Firstly, I filed a report with the XXXX XXXX Police Department, detailing the fraudulent activity surrounding the stolen credit card. Additionally, I submitted a report to the Federal Trade Commission outlining the identity theft that occurred. Furthermore, I have provided documentation proving the duration of my imprisonment, demonstrating that I was unable to engage in any financial transactions during that time. 
Given the circumstances outlined above, I kindly request that the associated debt be dissolved. This unjust debt are severely hindering my ability to achieve financial stability and provide for my family. Resolving this matter is crucial for me to move forward with my life and overcome the challenges I have faced. 
I appreciate your attention to this matter and kindly request a prompt resolution.
Product: Credit reporting or other personal consumer reports

I check my credit recently and discover unauthorized accounts on my credit profile. I tried to reach out to companies listed on credit profile and was told they couldnt locate accounts with my correct personal information such as addressed, last 4 of social security number, and other relevant details. I did also live with someone who had company frequently during years of XXXX Which could be the reason to why and how someone could access my personal info. I started see the unauthorized account were opened around that time.
Product: Checking or savings account

I contacted my bank about my debit card being lost and used to withdraw my money my pin number was on the back of my card so i contacted them and told them about it, They won't help me get my money back and they keep telling me there was no fraud in play I never even been to the bank before that my money was taken from
Product: Checking or savings account

On XXXX XXXX I applied for a checking account online with Wells Fargo and they sent me an email stating that it was approved. Then I made a direct deposit from my employer and the paydate was on XX/XX/2021. Then I received a letter stating that they were closing my account. They stated that it was because of a previous account. However I don't owe them anything as I have been through a Chapter XXXX Bankruptcy. I filed in XX/XX/2021 in XXXX NE case number XXXX.
Product: Credit card or prepaid card

In XX/XX/2021. I purchased a pellet rifle on XXXX. Threw XXXX XXXX XXXX. One of XXXX 's online retailers. There was two items being returned that day. At the XXXX store the attendant placed the shipping labels for one of the items on both packages. It took a wile to discover what happened. We did find the lost return in XXXX 's possession. XX/XX/XXXX XXXX issued the refund back to Capital One to my credit card. The same card the purchase was made on. The day prior XX/XX/XXXX XXXX sent paper work to credit one stating they had not received the item for return yet. So in the dispute process I had to get all documentation back to Capital One. Which I did. Capital one looked at documentation and closed the dispute stating the documentation was not what they needed. So I got back in touch with Capital One asking what else they needed. They said they need documentation of the refund also the last four numbers of the card it went to. Not realizing what I just submitted had that information. So I got in touch with XXXX and received. More documentation of this. I submitted it. Capital one just closed the dispute again. I got ahold of management at Capital One. Were they reviewed it and said everything I needed they had. They did not know why it was not refunded back to me per Capital One Management. Which I also have every conversation recorded. So management told me they had to get with there back room. Well the back room come back to me with now it has been to long. Which was to no fault of my own. They told me they would review and get back to me. I have heard nothing. They have just pushed my off again. I find Capital One to be fraudulent. They fully intended to steal my {$320.00} all along. They got the {$320.00} back for XXXX. Yet planed all along to keep it and not refund me.
Product: Debt collection

The below debt is a result of ID Theft and has been reported as such : 1. XXXX   XXXX XXXX