23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have pulled my credit report from Annual Credit Report on XX/XX/XXXX and I have discovered that on my Equifax credit report, I have fraudulent hard inquiries these hard inquiries are XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, PLEASE REMOVE THESE HARD INQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXX since XX/XX/2021 asking them to investigate this account and I have not yet received a written response or see any updates on my credit report.
Product: Debt collection

When I was taking out this loan at XXXX XXXX  XXXX my financial aid advisor at XXXX XXXX, I was told that I will not pay any loan until when I completed the program and 6 months after completion. I began to see a notification from XXXX XXXX XXXX to pay XXXX monthly, between XX/XX/XXXX, I have made multiple attempts to pay the XXXX and this payment was not accepted there was enough money on the card. I used a different card to make pay and multiple attempts no money was taken, I called the loan company and advise on the situation. I had the XXXX XXXX, I wasn't able to go to a store, and my family after the other was affected. The agent XXXX XXXX XXXX attempted to take money from the card which presented the said issues. I had received a new card which I called the XXXX XXXX XXXX company to take the payment, the agent did an auto payment for me and assured me that the payment went through but all that time I realized that for those months no funs was taken out my account. By the time I was notified by the financial aid advisor is was late for me my account was in collections agency ( XXXX ), which never sent me a notice or a phone call about this account. I had not received any calls or notice of this collection. I was told later that I was 5 months behind XXXX of XXXX, I reached out to the collection agency only to find out that I owed XXXX. Now I am facing financial hardship and unable to make that kind of payment, which affect me to complete my degree. It is a very distressful to know that I tried to pay that fee and It was taken out my account now of 5 months missed payment It increased so fast to XXXX, which I'm so stress and confuse.
Product: Credit card or prepaid card

Earlier this month, I placed order XXXX at Amazon.com. 

When placing the order, Amazon offered me a {$60.00} credit if I applied for the Amazon store card. The Amazon system told me that I was denied, and that there would be no credit. Today I received an email saying my new Amazon store card is on its way. Confused about how this could be, I called Synchrony. Synchrony confirmed the new card, but knows nothing about a {$60.00} bonus. Synchrony told me to contact Amazon. I contact Amazon customer support, and am told they know nothing about it - to wait 30 days to see what happens. What? Obviously, Amazon has no idea what is going on, so I quickly called Synchrony back to cancel the card. Amazon offered me the bonus to apply, told me I was denied, but then Synchrony issued me a card in my name. No one knows about any bonus. I had to call Synchrony right away to cancel the account. Obviously, there is some type of scam going on where Amazon is enticing customers to apply for credit cards via offering a bonus, then Amazon denies the card, and then passes the customer 's information on to Synchrony in order to open an account in the customer 's name.
Product: Credit reporting or other personal consumer reports

I attempted to have a negative item removed from my credit report that was the result of fraud. I searched online and found XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) on XXXX through a verified XXXX. I agreed to the terms of the service that he described and was forwarded to his case workers to proceed with the service of credit repair ( for the fraudulent account ). I was made to take out a loan/financing agreement with XXXX  ( a financing company ) in order to begin my credit repair with XXXX XXXX XXXXXXXX XXXX XXXX I agree to pay monthly for a service that was to include a case manager that I would actively work with to improve my credit profile through a tailored strategy from their credit expert/case managers all while they simultaneously cleared my credit report of any inaccurate information/fraudulant information. After a few months with no contact from anyone ( except on the week of a scheduled payment, Id receive a text informing me of my upcoming payment and a message saying they was still working on removing the same account ). I contacted someone from the credit repair company to see why I was not receiving any communication from my case manager to build my credit and why was they still saying that they was attempting to remove the same negative account for 3 months. I told them that I was not receiving the service that I agreed to pay for and was given excuses and told that I had to keep paying them or they was going to report negatively on my credit report. I then contacted XXXX  ( the finance company ) to request that they void my finance contract because I was not receiving the service that I agreed to pay for. They told me that they contacted the credit repair company and was told that they provided me the service ( when I have text messages from them confirming the opposite ). XXXX proceeded to report my account negatively to the credit reporting agencies causing my credit to plummet and resulted in me being denied credit lines as well as even insurance because of my lowered scores.
Product: Bank account or service

Dear CFPB : I have repeatedly contacted the Citibank folks on the attached documents to locate my IRA so that I can roll it over to my other plan. For whatever reason they seem to have lost it after XXXX and I have not received statements since we could not change the address. No one at Citi has been able to help me yet, the assets are still with them and not theirs. Can you assist me in locating it? 

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

Someone tried to open new credit cards and lines of credit in my name and were denied. This caused inquiries to be added to my credit report causing my credit score to go down. Commerce Bank- Hard Inquiry XXXX XXXX- Hard Inquiry XXXX- Hard Inquiry XXXX  XXXX- Hard Inquiry
Product: Credit reporting or other personal consumer reports

I have some unknown unrecognizable inquiries on my XXXX credit report That i did ortherize. The inquiries are XXXX XXXX XXXX XXXX date XX/XX/year>, Ally financial date XX/XX/year> XXXX XXXX XXXX date XX/XX/year> XXXX XXXX XXXX date XX/XX/year> XXXX XXXX XXXX date XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed in this package, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I was XXXX  from XX/XX/XXXX until XX/XX/XXXX. During that peiod some one used my identity to purchase houses, open several bank accounts, apply for credit, file taxes and seek medical care.
Product: Debt collection

See attatched XX/XX/2020 USAA Complant 1 ) VIRUS SCAM DEMANDING {$630.00} PAID ON A CARD USAA IS AWARE I DID NOT OPEN. see FTC ID THEFT case XXXX. Complaint 2 ) Called today XX/XX/2020 TO STOP THE COLLECTION ATTEMPT & USAA COULD NOT VERIFY ME. There were No Public Record Questions to answer. I WAS AGAIN UNABLE TO STOP USAA HARRASSING COLLECTION ATTEMPS OF AN ACCOUNT I DID NOT OPEN DURING A COUNTRY EMERGENCY VIRUS SITUATION.
Product: Credit reporting or other personal consumer reports

I had to file a XXXX XXXX Bankruptcy in XXXX  because of the COVID emergency and lockdown. It appears that is now a crime or sin. I included all my debts including XXXX XXXX XXXX. All of these were due to involuntary unemployment. But XXXX XXXX is reporting this debt as " not paid as agreed. '' I was always taught that debts closed in Bankruptcy were closed and could no longer be held against the debtor. When did this change? My understanding is XXXX XXXX  in in contempt of court in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

THE BUREAUS and 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting the I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been decreasing my credit score every other month based on old account that have been resolved and/or other information that I am not aware of. My credit score was dropped XXXX points in XXXX and then XXXX points in XXXX. 

I pay my extra on my credit cards every month and I am not behind on any of my accounts. 

Please investigate and review this issue. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am working in accordance to my consumer protection and I am seeking that certain information be removed immediately from all three reporting agencies XXXX, XXXX, Equifax! 

( FERPA ) 20 USC 1232g ( b ) - My privacy rights are being VIOLATED by furnishing this information.

-XXXXDEPT OF ED 15 U.S. Code 1681b - any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

P.L 90-321 ( 82 Stat. 146 I have never given my written, verbal or non verbal consent for you to furnish this information! 

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 According to 12 CFR 1022.3 - Anything added to my consumer report without my consent can be considered fraud in your part.

( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.

These accounts are adverse items they are reporting again without my permission which is against the law! -U.S. Code 1681s2 ( A ) ( 1 ) Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

{$6000.00} of fraudulent activity occurred on my Health Savings Account XXXX XXXX XXXX  issued by Bank of America. Majority of the fraudulent activity ( {$5400.00} ) occurred in-person in XXXX, XXXX between XXXX. I became aware of the fraud on XX/XX/year>. I promptly called and canceled my HSA debit card and filed a dispute form via mail on XX/XX/year>. As of XX/XX/year> XXXX XXXX ( XXXX chargeback services ) has only issued a credit in total of {$1300.00}. The remaining balance of fraudulent charges {$4600.00} has been denied based on the fact that these appeared as " in-person '' charges. At no point was I notified of suspicious activity by Bank of America or XXXX. Up until these debit card fraudulent charges, my purchase history indicates that the sole use of the card has been for medical or pharmaceutical needs. 

I have filed a police report with local authorities, had an in-person meeting with a branch manager of Bank of America , provided physical evidence of an in-store purchase to prove I was in Michigan and not in New Jersey, but the claims are still being denied for reasons unknown to me. 

I have spent many hours on the phone, in person with local law enforcement, and together had the Bank of America branch manager speak with chargeback services over the phone to resolve this issue. In each interaction, no explanations could be given as to why only some of the charges were refunded, not all. No XXXX contacts, Bank of America contacts, or route to resolution could be provided.
Product: Student loan

For several years now, I have been trying to get an affordable repayment plan for my student loan with Navient. Every time I ask for this, I am put into a forbearance plan. I have asked several times for an affordable payment plan so that I can pay down the principal of the loan. I have had this loan for almost 20 years now and have remained at roughly the same principal balance for the last 10 years. After the XXXX lawsuit against Navient, I called them to see if my loan qualified for the settlement, I was told that because I was not 60 past due or delinquent, and because my loan was current, I was ineligible for the settlement. I told them, I was only current because I was in forbearance, plus I didn't want to hurt my credit. At that time, I asked for an affordable payment option and was not eligible for any other option because I was in forbearance. Once that forbearance ended ( 6-month period ). I called them back and asked for an affordable payment option, but wouldn't you know it, there wasn't one and they offered me forbearance again. I have been on forbearance since XXXX, and the company will not offer another affordable payment plan. This is exactly the practice that they were sued for and has been happening to me since the company was owned by Sallie Mae.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to complaint about the fraudulent items which are still appear on my credit report. I think someone stolen my identity and opened my accounts without my permission or authority. This is an unauthorized items. Please remove the fraudulent items right after I send this complain and I hope you have time to review this issue. Based on Fair Credit Reporting Act Section 605B, It was the responsibility of the 3 credit bureaus to check then remove those items which are negative on the owners account. So I am mentioning these following items for you to help me remove these right away : 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 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
Product: Payday loan, title loan, or personal loan

I bought Furniture at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX TX on the XX/XX/XXXX. The cost of the Furniture was {$2000.00}, so the Seller got me a finance Company called ACIMA CREDIT LLC to finance the loan. He told me that I will not be required to pay any interest for 3-6months. After the purchase, ACIMA deducts {$160.00} to {$160.00} from my account every two weeks. I called ACIMA on the XX/XX/XXXX to complain of my financial hardship and to know how to clear the loan. To my surprise, their Customer representative told me that the total amount I need to pay is {$4400.00} and that I just paid about # XXXX XXXX and my balance should be {$3.00}, XXXX. I told her that I will not be able to pay that amount unless they want the Furniture back. She said that she will send me a return slip but that I will forfeit the amount I paid already. I called ACIMA again today and was told that the 3 months Grace period expired on that XX/XX/XXXX. Meanwhile, I called ACIMA on the XX/XX/XXXX but the Representative I called did not tell me about that. I now opted to pay the remaining {$1000.00} to close the case but was told that I need to pay {$2300.00} including the {$1000.00} deducted from my account by ACIMA. Since XX/XX/XXXX was the last day for their grace period for the loan, I am required to pay interest of {$1300.00} for taking a loan of {$2000.00} for 3days. This is very unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX ( co-signer ) are on the lease ; account number XXXX, monthly payment {$490.00} XXXX XXXX XXXX Lease, end date XXXX XXXX. 
At the time there were two accounts with XXXX XXXX. Payments were being made on time on both accounts. Prior to the lease coming to an end there was a dispute as payments that were being made were being applied to the wrong account creating the lease to report delinquent when it was not. Several calls were made in XXXX to XXXX XXXX to investigate and make whatever corrections needed to be made as the lease was being turned in and a new vehicle was being leased with no issues. Each time a follow up call was made the process needed to be started over again to no resolve. Now we are in COVID19 and trying to take out a loan, this XXXX XXXX is still reporting OPEN ( when it is closed ) and it is paid in full! This mark is preventing the co-signer XXXX XXXX who is a veteran of the US XXXX and retired XXXX Police Detective from getting a loan to put siding on his home because he is not able to paint his house anymore. XXXX XXXX is damaging his credit score yo a place that he is struggling, a XXXX XXXX  and retired   XXXX! 
At present XXXX XXXX is misappropriating funds and not reporting exact payment amounts in the online account portal of three vehicles : Account, Numbers are- Account # XXXX, Account # XXXX and Account # XXXX. 

Three payments in the month of XX/XX/XXXX alone have not been reported appropriately. 

XXXX XXXX has done considerable damage to the credit reports of XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has failed numerous times to correct and update the CURRENT STATUS OF THESE PAID AND CLOSED ACCOUNTS. They continued to balance accounts that were settled and paid. These accounts are still reporting a current status as either in collection or delinquent. The CURRENT STATUS should report as paid as agreed and closed. XXXX XXXX has inserted a debt that was already paid. These accounts are still reported each month as a current charge-off. This continues to severely affect my credit. THE AFFECTED ACCOUNTS ARE BELOW : XXXX XXXX XXXX Acct XXXX - XXXX XXXX XXXX XXXX- Acct XXXX XXXX XXXX XXXX XXXX- Acct # - XXXX XXXX XXXXAcct # - XXXX XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. They have been billing me and I made payments because I do not want to mess up my credit. I have called them numerous times to demand validation of the said account and get the account closed but they give me the runaround every time and have never received any validation. I stayed at the resort once but only paid for the time I was there. I did not purchase anything from them. I have disputed this but had no resolutions. I realized my information were fraudulently used without my permission to process transactions and open an account without my consent. This is their contact info page for additional reference : XXXX XXXX XXXX Also, I already disputed the said account ( XXXX XXXX XXXX XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted from XXXX  as a fraudulent account. However, it is still reporting negative under Experian when I got my updated credit reports today XX/XX/2021. I've attached a copy of my credit report summary showing that it has been deleted. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records and is hurting my financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING NEGATIVE ACCOUNTS ARE REALLY AFFECTING THE OVER-ALL STATE OF HEALTH OF MY CREDIT SCORES. THE XXXX XXXX ACCOUNT WHICH IS DATED FROM 2017 WAS ONLY REPAIRED OFF OF XXXX AND REMAINS NEGATIVE ON THE OTHER TWO CREDIT BUREAUS. WHAT IS THE REASON TO WHY THIS ACCOUNT IS STILL ON THERE? NOTHING WAS DONE ABOUT THIS AND I DEMAND A REASON TO WHY ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car from XXXX XXXX back in XX/XX/XXXX. I signed off to let them pull my credit report once but not SEVEN times! i am very upset that they did this without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and continues to be used from time to time. My credit score was XXXX inXX/XX/XXXXand had been at the highest levels for my entire life ( I was XXXX ). In XX/XX/XXXX I was the victim of a major fraud, identity theft and since XX/XX/XXXX have had a credit score that prevents me from obtaining a credit card, a home loan etc. The identity thief continues to open an account occasionally with my ss number and I can not persuade any of the 3 reporting agencies to remove false information, remove outdated negative information or remove information that the creditor advises that it has not and is not reporting to the agency. Some creditors respond that I must prove a negative, that it isnt me? How do I do that? 

What to do as a victim of identity theft does not include : what to do to force the credit reporting agencies to remove fraudulent information completely? 

I have done everything from a legal standpoint that can be done. Filed identity theft affidavits, disputed information, requested removal, required investigation of the account ad nauseum. I am an attorney. The thief will not stop and it had been 10 years. 

Only the federal government directing the agencies to repair my file is going to be effective. Private civil suits are notoriously unsuccessful. And there is no compensation adequate for loss of credit access. Its ruins lives. The US attorney, FBI, local DA will not prosecute the thief because it is not important enough for thier resources.