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

TO WHOM IT MAY CONCERNED WHILE STATIONED ABROAD ON SERVICE DUTY OIT SEEMS MY INFORMATION WAS BREACHED USING MY OLD ADDRESS MY CURRENT ADDRES FOR PAST XXXX  YEARS HAS BEEN XXXX XXXX XXXX XXXX XXXX XXXX  INWHICH I PROVIDED ALL PARTIES OF THESE DETAILS THE XXXX  ACCOUNTS WERE OPENDE  IN MY NAME XXXX # XXXX XXXX # XXXX AND XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Inquires are on my credit report when I did not give these companies access to any of my personal information nor do I know who opened them XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Also some of the information is incorrect as well such as name, address and job.
Product: Credit card or prepaid card

I have an Amex credit card and the credit lender closed the account. I have been able to make payments on the closed account through the Amex website. My payment is due on the XXXX of every month. To my surprise, I tried logging into the Amex website to make a payment for XX/XX/XXXX but the login was not working. I called Amex and asked them to reset my login information and was told no. I was told my payments have to be made through a collection agency. Interestingly enough, this same agency has been handling my account since XX/XX/2022 and I haven't had to use the collection agency to pay my account. My Amex account is reported to my credit as Amex not as the collection agency ; therefore, I should be able to continue making my payment via Amex website. Additionally, I never received any communication from Amex that my ability to make payments on their website would be terminated on a specific date. Amex controls all aspects of my closed account - due date, interest charged, late fees charged, and reporting to the credit agencies.
Product: Credit reporting

I have had a few things deleted from my credit report that has come back.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 5 ), and Nevada state law NRS 104.9609 regarding illegal debt collection practices, improper credit reporting, and threats of unlawful repossession.

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received an email from XXXX XXXX, Loss Mitigation Supervisor, demanding that I make a full one-month payment immediately or surrender my vehicle. The email also stated that failure to disclose my vehicles location would be considered " concealment, '' implying criminal action on my part. However, Nevada law ( NRS 104.9609 ) requires formal legal notice and adherence to repossession procedures, which XXXX XXXX XXXX failed to follow. 

Furthermore, when I called their office immediately after receiving the email, I was told that their team closes at XXXX XXXX XXXX XXXX XXXX XXXX  Texas time ), leaving me with less than 30 minutes to comply. This is an unfair and deceptive collection tactic, violating the FDCPA 15 U.S.C. 1692e ( 5 ), which prohibits false threats of legal action. 

Additionally, XXXX XXXX XXXX has failed to update my account on my credit report since XX/XX/XXXX, despite my delinquent status. This means they have been knowingly furnishing incomplete and inaccurate information to credit bureaus, violating FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). If they suddenly update my account after this complaint, it proves their prior non-compliance.

The email also stated that my online payment portal was blocked and instructed me to submit my credit card details via email, which is an unsecured payment method and a potential FTC security violation. 

I am also submitting this complaint to the FTC, Nevada Attorney General, and the XXXX XXXX XXXX  for further legal action. I request a formal investigation into XXXX XXXX XXXX practices, including their failure to properly report accounts and their aggressive intimidation tactics against borrowers. 

Attached are supporting documents including ( XXXX ) the email from XXXX XXXX XXXX, ( XXXX ) my most recent credit report showing that the last reported activity on this account was in XX/XX/XXXX, and ( XXXX ) the FTC complaint confirmation.
Product: Credit reporting

DISPUTED TO CREDIT REPORTS AND THEY ANSWERED THIS WAS FACTUAL. THIS IS NOT MY INQUIRY. IT IS SHOWING AND IS FALSE INFORMATION AS I HAVE NOT APPLIED FOR CREDIT WITH THIS COMPANY.
Product: Credit reporting or other personal consumer reports

I requested the following accounts to be investigated on my credit reports for accuracy and validation. XXXX XXXX XXXX XXXX These accounts have several errors and need to be deleted under the FCRA Laws requiring accurate reporting by all the bureaus and companies reporting this information. As you can see in the attached documents all the data that is not reporting accurately according to the FCRA and the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX  XXXX, Account Number XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  XXXX, Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/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 an account without my written instructions
Product: Credit card or prepaid card

Last year I purchased round trip airline tickets from USA to XXXX on XXXX XXXX  XXXX. XXXX XXXX   canceled the flights, and on XX/XX/2020 I requested a refund which has not been received as of XX/XX/2020. Since XXXX XXXX has closed its customer service department, I am not able to get any more information from them except seeing that they have simply laid off most of their employees and not flying passengers. 
I filed a credit charge dispute with Barclays HI Airlines MasterCard on XX/XX/2020, and was informed it would take 45 days to process. They declined the dispute, stating that I had authorized the charge, even though I provided all information that the flights were canceled. They requested I document and provide them with the US Dept of Transportation rules for cancellations such as this in and out of USA. MC knew about this DOT rule, but required that I provide it as a document to them. All along this company has made delays and more requirements. As of XX/XX/2020 they are now stating they need to hear back again from XXXXXXXX XXXX. And then deal with XXXX XXXX  's bank, if no reply from the airlines. All in all, I bought a round trip expensive airline ticket. The services were not provided, and the airline has basically shut down. My friend on the same flight submitted a dispute to her credit card company about a week after me, and received a refund from her CC about 2+ weeks ago. 
My Mastercard company is playing games, delaying, etc. Anything I can do about that, short of hiring an attorney? Thank you.
Product: Credit reporting or other personal consumer reports

I initiated a dispute with experian, which was resolved on XX/XX/XXXX under report number XXXX, in order to resolve a problem of homonymy and clarification of data, adding to it the relevant documents to my identity. 
However, when I look at my results, I realize that XXXX continues to confirm that I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the same person, something with which I am dissatisfied and I come at this moment to complain. 

I express, that I recognize as my data, the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Queries : Clarify. 
ID number : XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was reviewing my credit report and noticed unauthorised hard inquiries.
Product: Debt collection

ENHANCED RECOVERY COMPANY is saying that I owe XXXX XXXX XXXX. 
I know when I cancelled my phone bill and internet I paid my bill. This company is fraud and I have been reading all about it. I ca n't even get these people on the phone. All I have been reading about is how they are fraud. 

I ca n't find documents. I know this is wrong. Even if I pay them then it still wo n't go away from my credit report. Can you help me?
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX  XXXX BALANCED {$1600.00} XXXX XXXX XXXX XXXX BALANCED {$12000.00} XXXX XXXX XXXX XXXX BALANCED {$2200.00} SANTANDER XXXX BALANCED {$32000.00} XXXX XXXX XXXX {$0.00} XXXX ( Original Creditor : XXXX EVERSOURCE ) XXXX BALANCED {$1200.00} XXXX CRED XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX BALANCED {$580.00} XXXX CRED XXXX XXXX Creditor : XXXX COMENITY BANK ) XXXX BALANCED {$1000.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX {$120.00} FACTUAL DATA - XX/XX/XXXX XXXX CARD - XX/XX/XXXX MUNICIPAL CREDIT UNION - XX/XX/XXXX XXXX XXXX SER - XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Retail Card Service has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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. 

All these are unauthorized inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

why are XXXX  XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX reporting late 60, 90 days late on XX/XX/XXXX and XX/XX/XXXX?  Where do this numbers came from? They are completely inaccurate. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it.. The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP
Product: Vehicle loan or lease

In XX/XX/XXXX GM Financial went through a system conversion, which extended until XX/XX/XXXX. My spouse and I were told that our cars would update with the credit bureaus within 45 days. 

The car has not been reported been reported accurately with the credit bureaus and because of the system update it has impacted me for 12 months.
Product: Checking or savings account

I got an unauthorized charge to my checking/debit card account on XX/XX/2022 at XXXX. After making an authorized charge of XXXX for merchandise never received on XX/XX/2022 XXXX PDT. I've reported this claim several times to Chime Financial only to be denied several times and do not know who else to turn to for help. Their argument is that since the both companies had my information and I was in possession of my card I must have authorized the charge. The fact that no merchandise was received for the first charge of XXXX and the second charge was made a different time totally unauthorized. ( Perhaps the XXXX companies are the same or Company XXXX ( XXXX ) illegally shared my info with company XXXX ( XXXX XXXX XXXXXXXX ) ; makes both these charges fraudulent. Chime witch claims to offer fraud protection has failed to provide it. After talking to several supervisors and customer service associates no was able to connect me with their fraud dept., only send them an emails or have the authority to issue me a credit. Upon first reporting this issue I was told I would need a new account and card which did not receive for over 2 weeks. It's been close to a month now with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX 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/2021 2021
Product: Credit reporting or other personal consumer reports

Re : letter I received from Citizens Bank, Reference : XXXX that I received XX/XX/year>. 

The letter says Citizens made the soft inquiries into my credit report " for a permissible purpose.. '' I am asking Citizens for an explanation of that permissible purpose. Would Citizens explain precisely what that permissible purpose is that allows Citizens to make inquiries into my credit. 

Also, I am asking Citizens to disclose to me how the information received from my credit report has been used/shared/disclosed.
Product: Checking or savings account

I hired this lady and paid her via XXXX XXXX to make documents for my business. Never received anything from her and I want my money back. She apparently lied to the bank and got my credit reversed back.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card

Received mail. See doc. Pre approval. Filled out online forms on XX/XX/XXXX. Download to XXXX wallet. No hard copy cards issued. Purchased gas, dog food and tried to purchase groceries. Sale declined. Went to my car and called.provided SS number, name and phone number as the number was registered to this account. They said they would not authorize the release so I could purchase groceries. It was flagged for fraud? And this was for my protection. I said no, absent negligence on my part my liability was {$50.00} and this was for their protection. XXXX minute phone call. See documents. I told them I would cancel the card on Monday. I called Monday. See doc, canceled card. They offered me a {$25.00} credit not to cancel. I declined saying I didnt want to do business with them. I requested an email confirming I had canceled the account. They said they couldnt send an email but would mail a letter. No letter has been received.
Product: Bank account or service

I had a bank account with Bank of America. Since I am not XXXX I was using it not often. My XXXX address was reported to the bank and I was receiving monthly statements. 
The account was free, as well as using cards. 
Than, few years ago the statements stopped to be send to my address without any warning. 
I tried to log in via internet, but I could not ... later I learned my account was blocked and moved to " frozen accounts ''. I had no statements, no internet access and without any information bank introduced a monthly fee of XXXX I had no idea that over years - XXXX of USD were stolen by the bank from my account. So without any information I was introduced a fee, to an account which usage was blocked to me and any track of charges were hidden ( no statments sent ).
Product: Credit reporting or other personal consumer reports

Hello, there is a fraudulent account on my credit report. A collection account under the name of XXXX XXXX XXXX with an account number of XXXX, the debt was bought from XXXX XXXX XXXX. I have never lived at XXXX XXXX XXXX. It is shown as a joint account with XXXX XXXX, I do not know this person. I contacted the collection company and the credit bureaus immediately at the realization that my identity has been stolen. After painstaking efforts and a lot of time spent on trying to get my case heard, they have refused to give me the justice I deserve as a victim of identity theft. I am trying to buy a house, this fraudulent account has totally destroyed my credit score and the dream of finally becoming a home owner. Due to lack of knowledge on how these things work, I accepted an offer for a settlement with the collection company hoping that this fraudulent account be removed from payment. But it is still appearing on my credit report, now not only I paid for the debt that was a product of identity theft, this fraudulent account is still damaging my credit score. It is my last hope that CFPB can assist me in removing this fraudulent account from my credit report and make things right.
Product: Mortgage

Owners fell behind in mortgage payment. Lender offer to put late payment at the end of the loan to bring mortgage current. Lender then sent the attached Partial Claim Mortgage for signatures to a first time home buyer and his senior grandmother. They did not understand what they were signing but was told to sign or lose their house to foreclosure. So they signed it. The problem was they were only behind {$13.00} and they made them sign for {$55.00} and did not give them the difference in the equity they pulled out. They kept the money then and again when the house sold they paid themselves off in full.
Product: Vehicle loan or lease

My payment was refused by MBFS in XX/XX/XXXX although I only have been late once and have used this payment method since the start of my contract in XXXX ( years ). It took them a month to call me back on why. Finally, months later I got an answer. They also lied and said my XXXX relief payments would not be used from the contract allotment and they were forcing me to not have options in pushing payments off causing me to lose what was granted to me contractually. My contract was violated and I have detailed accounts including recordings of conversations and information provided from the start of the loan. I've been lied to and finally, due to the contract dispute they picked up my vehicle last night after me indicated Ill make the payments but I want my answers to my questions- I have more questions as to why I was lied to ( picked up same day ). I was also sold a used car as new from the beginning forcing me to overpay and I have never been able to use the warranty I purchased. Many violations here from the start and I have recordings and emails etc... This was a coordinated effect and I want accountability. They also reported my payments incorrectly to the credit bureaus - indicating I was late when I was not.
Product: Debt collection

Credit Systems international Date : XX/XX/XXXX- {$310.00} XX/XX/XXXX- {$33.00} I have disputed this account with the company and the credit reports several times. The XX/XX/XXXX for {$310.00} has been removed several times and added with different dates and/or amounts. The XX/XX/XXXX was added and deleted several years ago, due to the creditor not being able to verify the account. I have sent the company a debt verification letter to verify the account, the company has not responded.
Product: Debt collection

I am filing another complaintsince you failed to resolve this issue regarding my previous complaint. In your response, you said that you sent adocument to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION NOR JUST AN ITEMIZATION, but DEBT VALIDATION LETTER. This time to make it easier for both parties. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In XXXX of 2017 my identify was stolen and credit inquires from XXXX XXXX and XXXX XXXX were submitted to my account. In addition, new employement information for XXXX XXXX on XXXX XXXX in XXXX was added to my account at both Transunion and XXXX. This information is incorrrect. I have repeatedly tried to have this information removed by contacting the credit bureaus and even the car dealership and XXXX XXXX but I have been unable to have this fraudulent information removed from my account. The credit bureaus seem to have intentionally thrown up every kind of barrier imaginable to make it virtually impossible to have my credit fixed even though I 've subscribed to XXXX XXXX worthless credit monitoring service. We need new legislation to make this scumbag organizations accountable.