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

To Whom It May Concern : According to FCRA Section 605B, its illegal to report anything on my credit report without my permission. 

Please remove the following inaccurate information : XXXX  XXXX  account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with XXXX at Clarity Services and it was necessary for her to have one more additional piece of documentation. To be clear, I am requesting this report as I have had 2 other consumer reporting agencies include erroneous data - addresses, numbers etc on my report. I aim to remedy that and dispute anything that is not accurate within the report.
Product: Debt collection

XX/XX/XXXX To whom it may concern : I need assistance from your agency. 
I recently obtained a copy of my XXXX credit report, and I saw where a collection agency, named Ability Recovery Services LLC, has placed a fraudulent {$64.00} medical collection onto my credit file. 
This collector did not verify this debt prior to ruining my name, and credit rating with this debt that is not mine and has never been mine. 
I do not owe this fraudulent debt, and I want it immediately removed from my credit files, FROM ANY, AND ALL credit bureaus that they have placed it on. 
About 8 years ago this collector did this same thing through XXXX, they placed medical debts onto my credit files of a deceased person that I do not know, nor have I ever known. 
This collector has placed XXXX XXXX onto my credit files, for a deceased person, a XXXX XXXX, along with addresses that I do not know, nor have I ever lived at. 
They have had XXXX to add a XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, to my credit file. 
I have never lived at this address, and I want this fraudulent address information removed from my credit files, as well. 
If your agency can do something about this collector who does not even verify the fraudulent information that they ruin peoples credit with, it would be greatly appreciated. 
On top of damaging my credit with debt that isnt mine, they are also breaking Texas statute of limitations law. 
They claim that this debt from whomever became delinquent in XXXX, then they report it onto my credit files in XXXX of XXXX. 
I want this collection agency to remove my name and information from their agency files, and I want hard copy written proof that this has been done. 
As previously stated, I want this fraudulent medical collection, as well as the fraudulent address information removed from ALL of my credit files with all of the credit bureaus, and I want hard copy written proof that, that has been done. 


cc : Attorney XXXX XXXX cc : The Federal Trade Commission
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I have submitted disputes to Transunion over 18 times already, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting the removal of a few accounts, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am dismayed that XXXX has not taken care to maintain the procedures to assure complete accuracy in the information they have published and has not complied with the law by providing the requested information within the 30 days allowed. 

The accounts that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have never worked for XXXX XXXX The hard inquires that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 



Transunion can see that there are alerts attached to my profile about mismatched information along with long standing fraud alerts. I have never lived at or received mail at these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

COLLECTOR VIOLATED 2 TCPA INFRACTION! SEE ATTACHED PHONE RECORDS, CALLER I.D . ALSO, VIOLATORS OF THE DODD-FRANK ACT!
Product: Debt collection

I received a letter in the mail claiming I owed a debt to this company, I sent a letter back and gave them 30 days to respond as they gave me 30 days to respond I sent a letter and have not heard anything back and more than 30 days have passed, this should not end up on my credit and the debt collector should cease all contact and attempt to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOT MY ACCOUNT : Account info Account name XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$12.00}, XXXX written off. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$10000.00} Highest balance {$12000.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, XXXX written off. {$8.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8800.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$7600.00} Highest balance {$8800.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4300.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$3600.00} Highest balance {$4300.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$860.00} written off. {$860.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$860.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$850.00} Highest balance {$860.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$1000.00} Highest balance {$1200.00} Terms NA On record until XX/XX/XXXX NOT MY INQURIES : XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$470.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$470.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$470.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX NOT MY NAME : XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opened an account with famous footwear on XX/XX/XXXX. XXXX XXXX goes through Comenity Bank. 
My mistake was not expecting a bill with a due date of XX/XX/XXXX and because I dont check my mail that often I missed the due date of XX/XX/XXXX. I paid account in full on XX/XX/XXXX hoping that would bring my account to {$0.00} and no fees would be added. I signed up for electronic statements that same day. 
I never got a bill, even though they say they emailed me the statement, it simply did not come to my inbox. In XXXX, they had added a late fee of {$30.00}, but I did not pay it because I was unaware. In XXXX, they added another late fee of {$30.00}, which now brings me to a balance of {$63.00}. 
I only found out about it because I got a call letting me know my account was past due, but the call confused me because they told me it was famously you so at first, I didnt even think XXXX XXXX, I thought it was a scam. I asked the caller if the store had a different name and she told me no. So that left me convinced it was a spam. Until I got another call with a message, they were trying to get a hold of me on my account and I called back, and it was XXXX XXXX. Their practices are not very clear. The email to change my password comes from XXXX, so maybe thats why I missed the email about confirming my email? Im so confused by this company. 
They asked me to start a dispute on the website, but I dont know how to do that or where to start and when I called again the employee didnt know how to help me. 
How can they get away with adding fees to an account that is {$0.00} balance, is that ok?
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen according to a letter from the IRS, XXXX  AND XXXX. Because the IRS had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked money lion several times to fix my credit report when they said I was late and it was beyond my control as they blocked my ability to pay the bill. Now co vid hit and I need my credit more then ever. They refuse to fix this. I Want the cfpb to investigate.
Product: Credit card

Started as a cold call saying that they are partners with XXXX and they can feature my business on XXXX and they need to interview me to see if my business is eligible to be featured. The " interview call '' did not mention XXXX and they started selling chatbots on my website to attract new patients. Despite many times " I said NO I am not interested '' the salesman continued to harass me and offer me lower numbers and deals. His last attempt was to offer a 60-day money-back guarantee if they failed to provide a specific number of new patients. The salesman shared a document with me and started talking only about the money-back guarantee and had me sign. I later received an email with 2 documents, one was a contract saying I have literally no rights as a customer and I can not even report it to my credit card company plus have no right for any refund, The second document was the 60-day money-back guarantee. I found out that they charged my credit card {$4700.00}. I emailed the company immediately to cancel, I kept calling, and no response. Until I spoke with XXXX XXXX who said no refunds even XXXX did not provide any service plus they don't treat customers differently. I found out from their XXXX reviews that they have refunded others. 
I reported the issue to my credit card company, Chase Bank, and they said because of the signed contract, they can not do anything. XXXX informed me that because I disputed the transaction with my bank, I am in breach of the contract.
Product: Bank account or service

My social security is paid directly into my checking account at Chase on the XXXX Wednesday of every month. My balance is normally very low in the 5 to 10 or so days prior to that deposit. I acccordingly have to regularly monitor transactions into and out of the account to ensure that I do not go into an overdraft position and thereby incur overdraft charges ( {$34.00} per ). 

Today I went to XXXX to ensure that, under a menu item called Chase Debit Card Coverage, I had chosen the " no-do-not-pay-debit-card-transactions-when-there-is-not-enough-money-in-my-account '' option. 

Here, without the graphics, is what appears on the screen when XXXX is attempting to select that option : ****************REQUIRED Chase Debit Card Coverage InformationPlease click and read the Important Information including legal disclosures and consider printing a copy for your records. 
Have you read the Important Information including legal disclosures about Chase Debit Card Coverage service? 

Yes, I have. 

No, I have not. 

Select " Yes '' if you want Chase to approve and pay your everyday debit card transactions, at our discretion, when you do n't have enough money available. You 'll have until the end of the business day to deposit enough money to avoid an Insufficient Funds Fee on these transactions. 

Select " No '' if you do not want Chase to approve and pay your everyday debit card transactions when you do n't have enough money in your account. Since everyday debit card transactions will be declined when there is not enough money available, you wo n't be charged an Insufficient Funds Fee for everyday debit card transactions. If you do n't choose an option when you open your account, " No '' is automatically selected for you. 

***************Note that the term " everday debit card transactions '' is not defined anywhere - not even in the " Important Information including legal disclosures '' that, in order to proceed, XXXX must confirm having read. [ But note also that XXXX can click the 'yes ' button, and proceed, without having taken even a glimpse of said fine print. ] Fortunately, I called my local Chase branch to get clarification - only to find that the term 'everyday debit card transactions ' does not include RECURRING debit card transactions. 

It 's conceivable that Chase 's other account holders are sufficiently cunning and sophisticated to be aware of what I had to ferret out myself, but I 'd wager that this is n't the case.
Product: Checking or savings account

Over draft fees on navy federal account. There were late fees and overdraft fee on my navy federal account
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE COMPANIES FRAUDULENTLY OBTAINED COPIES OF MY CREDIT FILE WITHOUT MY PERMISSION OR KNOWLEDGE. MY XXXX  EX-HUSBAND USING MY IDENTITY TO OBTAIN LINES OF CREDIT AND THESE INQUIRIES NEED TO BE REMOVED IMMEDIATELY FROM ALL THREE CREDIT BUREAUS AND CONSUMER REPORTING AGENCIES.
Product: Credit reporting or other personal consumer reports

Good day! This complaint serves as a follow-up to my initial complaint dated XX/XX/XXXX. I would like to reiterate that per FCRA Section 605B, credit reporting agencies are required to remove any items listed on an identity theft report. My report was filed under reference number XXXX. Attached once again are the necessary documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX MORTGAGE SER XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. According to FCRA Section 605B ( a ), credit reporting agencies must remove any items in a consumer 's file identified as resulting from identity theft no later than four business days after receipt.
Product: Credit card or prepaid card

I have/had a Bank of America credit card. I was making monthly payments ( auto payment ) on time and had not missed a payment since starting with the company in XXXX. Approximately six months ago the percentage rate change and I was unaware of the change. I was finally made aware, by letter, that I was delinquent. I immediately payed the late charges. Bank of America closed the account. On XX/XX/XXXX, I attempted to pay the full amount of the balance using a routing number. The amount was roughly {$11000.00}. I was sent a confirmation number for the payment that same day via email. The payment was due on XX/XX/XXXX. On XXXX XXXX, XXXX, my wife informed me that she had not seen the moneys withdrawn from the account. I contacted Bank of America by phone to determine what had happened. I was told that the routing number had an extra 0 in it, so the payment was not processed. I asked why I was not sent notification by email. I was told that they only send notifications by mail. I then paid the balance of the account minus a {$38.00} dollar late fee, because I believed that the late fee was a predator practice by the bank. The customer service rep was not able to remove the late fee at the time, since it was so new. I called back a few days later to dipute the late fee and was told that, because of my history ( late  payment from the interest perecetage change ) they could not remove the late fee. Wanting to close the account, I paid the {$38.00} late fee that had now turned into a {$170.00} fee. I paid the {$170.00} confirming that this was a pay off amount and the account would be at XXXX balance. I received the letter that the XX/XX/XXXX payment did not go through on XX/XX/XXXX. On XX/XX/XXXX, I found out that I had a {$1.00} balance. On XX/XX/XXXX, I contacted Bank of America by phone and paid the {$1.00} balance. I asked the customer service rep to confirm that this amount was the full pay off amount. I informed that customer service rep that she was being recorded. She did confirm that this amount was the pay off amount. The account is closed.
Product: Credit card

Approximately a decade ago I filed to permanently opt out of receiving unsolicited prescreened credit card offers. As such, I stopped receiving unsolicited offers until today, XX/XX/2016. Today, I received an unsolicited prescreened offer for a Discover card from a creditor using the mailing address XXXX XXXX XXXX XXXX, DE XXXX. Under the Federal Credit Reporting Act, I have a right to opt out. This unsolicited request violates my right to opt out of these types of unwarranted solicitations. There should be recourse for creditors who disrespect the law.
Product: Credit card or prepaid card

I disputed a {$25.00} balance on a closed credit card account to Capital One on XX/XX/2023 in a letter to its Dispute Dept. in XXXX XXXX XXXX, paid the undisputed amount, and have yet to receive any reply ( by XX/XX/2023 ). 

Capital One has had more than 30 days to confirm having received the letter, and it has not yet done so. 

Although I do not have to pay the disputed amount while this dispute is pending, Capital One nonetheless charged me a {$29.00} late fee and a {$0.00} interest charge in XXXX, XXXX. 

Capital One later reversed the {$29.00} late fee and {$0.00} interest charge on XX/XX/2023 after I complained to the CFPB, but the unaddressed, original {$25.00} charge remains on the closed account. Capital One will now charge me another {$29.00} late fee on XX/XX/2023 plus interest, when I fail to pay the disputed {$25.00} balance.
Product: Bank account or service

I recently filed a complaint about Chase ; back in XXXX XXXX about a balance that I owed on a closed account in the amount of XXXX and some change ; with an agreed amount of XXXX. Hoever today as I decided to pay to call Chase to pay the reduced balanced. The lady in the collection recovery department was really rude and insisted that I pay the total balance due. So I 'm wondering if thier is something that could be done ; and what happened to the previous settled amount? I totally forgot the person who was my representative with chase. If someone can please help me sort this out. I would really appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have been trying to resolve this on going issue with the XXXX XXXX XXXX   XXXX, XXXX, and Transunion since XX/XX/XXXX, to remove a student loan debt that dates back to XX/XX/XXXX from my account. Since they updated my account in XX/XX/XXXX for a very small balance this triggered an update to my 3 credit bureaus as a new activity. This update flagged my accounts in the 3 credit bureaus ( agencies ) as a bad debt that was paid, a derogatory account status, and a previous collection status that was paid. This unfair practice has hurt my credit, disallowed me to purchase a home, and is an ongoing burden. 
This malicious attack is unjust and has prevented me from obtaining a mortgage and getting other types of loans. 

I have been trying to work with them to have it be removed from my files, it nothing has been done. As I attempt to dispute this matter, my credit score goes down further and further as they tag my account as a dispute when the credit bureaus go into the account to update it. I would appreciate it if there is something you can do to help, this is an unfair practice placed on consumers like myself. 

I have attached a letter from the XXXX XXXX XXXX XXXX regarding this matter to help solidify my position. Thank you again for your immediate attention to this matter.
Product: Debt collection

Recently I learned that Enhanced Recovery Corp. had reported to XXXX I owed XXXX XXXX XXXX {$22.00} that I was not willing to pay. This was a complete surprise, since Enhanced Recovery Corp. had not contacted me in any way about this. Not only that, but neither had XXXX XXXX XXXX. So I called XXXX XXXX XXXX. They searched all of my records for the to the very first time I opened my account with them three years ago, but could not find a record of any unpaid bills whatsoever. Yet, this is on my credit report causing unnecessary damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has closed out an account that was last reported on XX/XX/XXXX, with a close out date for XX/XX/XXXX. XXXX XXXX XXXX, I reviewed my latest consumer report and its reporting as a repossession. 
I am aware that any transactions between a consumer and a creditor should not be furnished on a consumer report. I also did not give XXXX XXXX nor XXXX, XXXX, or Experian consent to furnish this negative account on my report. I also was not given a chance to opt of reporting for this account. As of today XX/XX/XXXX, this is my written consent to opt of credit reporting for this account. Because I am aware that I have all rights to privacy, I will hold whoever knowingly and deceptively falsified negative, non-personal information liable to the extent of what federal law allows. A cease-and-desist letter is attached to this report as well as an FTC complaint. This account should be deleted Immediately.