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

This complaint is regarding the $ XXXX bill from XXXX XXXX XXXX XXXX XXXX , Ohio address on XXXX XXXX XXXX XXXX in XXXX. 
This was an apartment complex I was living in up until XX/XX/2018. I was moving to another city and the new tenant was moving in to my apartment. The property management company had assured me the utilities would be changed over to the new tenant at the start of her lease. 
This did not happen until two months later and now I'm seeing this bill on my credit report and can not get it off. My complaint is not that it's a fraudulent bill, but rather tht I never received the bill at the correct forwarding address. XXXX and Online Collections both claim to have sent the final bill to an ( incorrect ) forwarding address in XXXX. 
Not living at the address they sent it to, I never received the bill or knew about it. 
My complaint is NOT that XXXX should not bill me for the mistakes of the property management company, but rather that they should have mailed the final bill to the correct address so I could have resolved it and gotten it paid before it hitting collections. 
I'll gladly pay XXXX at this point if they're able to completely remove the bill from collections. But it's not right that because they sent the bill to the wrong address therefore my credit report is being punished. I've had no luck speaking with managers of both the Online Collections  and XXXX XXXX.
Product: Credit reporting

Dear Madam/Sir : i will kindly appreciate very much to please to see the company respond on my submission number # XXXX. Please send me the respond of the company on line. Thank you. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern, 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I demand a deletion of all personal identifiable information from my consumer report with the exception of : Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Address : Please be sure that my address is listed correctly. 
My address should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Please delete all information in the employer section. Pursuant to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send and updated credit report once the changes are complete to my contact information listed : My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Sincerely XXXX XXXX
Product: Debt collection

Wells Fargo Rewards credit card is engaging in usury. I am in a catch 22 with this company. My payments are normally {$60.00} per month, but for some unknown reason lately I have been assessed a {$70.00} monthly interest charge where I am having to double my monthly payment to {$140.00} in order to keep up with the payments. This incidents brings to mind student loans where the student makes payments but instead of decreasing the balance, the balance increases. I am a senior citizen with a fixed income and this can not continue. I called Wells Fargo hoping to switch to a non-interest bearing credit card, but the phone rep acted as though I was speaking in Greek. When I suggested that I should close this account, he was happy to oblige me instead of working with me to apply for another credit card that does not charge a usury monthly interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I had my phone and the contents of my wallet stolen. The people who stole my phone opened up an XXXX XXXX, serviced by XXXX XXXX, in my name as they also had access to my social security number from an old tax return they found in my email. I informed XXXX XXXX of this upon becoming aware, which was during the week of XX/XX/2022. XXXX XXXX claimed to close the account when I provided them this notice. 

However, XXXX XXXX is claiming I owe them XXXX dollars, which is now showing up as a delinquent account on my credit report. It has caused significant damage to my credit, yet they've done nothing to rectify the situation.
Product: Checking or savings account

I DEPOSITED A CHECK IT CLEARED NOW MY ACCOUNT IS FROZE
Product: Credit card or prepaid card

On or about XX/XX/2022 a fraudulent charge of {$53.00} was entered on my XXXX XXXX account as well as on XX/XX/2022 a fraudulent charge of {$26.00} was entered. I have never heard of this company nor have I ever did commerce with this company. After researching said unknown corporation it indicates that XXXX XXXX Area is Remote. 24 days ago. Dave is a banking app on a mission to build products that level the financial playing field. To date, we've helped more than XXXX XXXX customers bank, budget, avoid overdraft fees, find work, and build creditand we're just getting started. 

This is Identity Theft
Product: Debt collection

Debt placed on my credit report that was never verified or validated. I don't recall receiving any information through mail or by phone of this alleged debt. This debt has lowered my credit score causing me to be declined for new lines of credit, and having to pay higher interest when approved. Please remove this debt, i am not the owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXX XXXX XXXX XXXXXXXX - {$13000.00} XXXX XXXX XXXX {$3200.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX {$980.00} XXXX XXXX XXXXXXXX XXXX XXXX {$71.00} I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. In accordance with the provisions of the XXXX XXXX ( XXXX ), specifically sections 15 U.S.C. 6801-6809, including 6805, Enforcement, XXXX has violated this act and my consumer rights by sharing Non-Public Private Information ( NPPI ) with Transunion, XXXX, and XXXX. Consumer reporting agencies are non-affiliated third parties with which XXXX has shared my NPPI. Transunion, XXXX, and XXXX have also violated my rights by reporting student loans ( NPPI ) within my consumer reports without first having written consent from me, the consumer, to obtain and furnish information within my consumer reports. This is a direct violation of the XXXX XXXX. My rights have also been violated in XXXX as I was not provided with any opt-out disclosures. As a consumer, The Privacy Act of 1974 states I, the consumer have the right to Privacy and the right to opt-out of having my NPPI shared with non-affiliated third parties.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Creditor : the XXXX XXXX XXXX type : collection agency/attorney balance : {$5000.00} opened : XX/XX/year> Reached out to the company to verify the collection that I was never told about - completely unknown to me. No answer. No response. Was not aware of owing any debt to anyone let alone a collection until I checked my free " XXXX XXXX XXXX '' online. I was not advised of disputing the claim and was unaware of the claim altogether. Never agreed to pay any amount to any collection company. Please remove this claim that was never disclosed to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, TX XXXX Wrong address
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach which has resulted in identity theft. This has led to the appearance of several unauthorized accounts and credit inquiries on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that you immediately block and delete the following fraudulent accounts and inquiries from my credit report : Fraudulent Accounts : XXXX XXXX  XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$13000.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$440.00} XXXX. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$400.00} XXXX. UNAUTHORIZED COLLECTION o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4500.00} XXXX. XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$25000.00} Unauthorized Inquiry : XXXX o Date of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i was a victim of identity fraud and unknown person opened multiple fraudulent accounts
Product: Credit reporting or other personal consumer reports

Basically, Ive tried to get articles of debt that I did not insure or debt that I cant even verify, and they cant verify to me canceled. And the credit bureau refused and deny and Im sick of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXXXXXX, MI XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

Recieved debt collection letter from Southwest Credit from XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. The letter stated that I owed a debt principal for a XXXX I count which I do not have. I called them and gave them a peice of my mind.
Product: Debt collection

The debt collector, Pressler, Felt, and Warshaw representing XXXX XXXX ( XXXX XXXX XXXX ) has failed to offer adequate customer support for the last 6 months. I have tried repeatedly to call the office at : XXXX and XXXX, extension XXXX and no one ever answers the phone. I have attempted calling them over 10 times since XXXX, XXXX, waiting for a total of many hours for a live operator to notify them that as a result of COVID and the lockdowns my income was significantly less since XXXX, XXXX and I was unable to pay my agreed upon payment plans. I was on NJ state unemployment from XX/XX/XXXX to XXXX, XXXX. 

Over the last 2 weeks, I have received court judgements against me and threats of garnishment of wages. 

I am attaching the judgements and wage garnishment documents. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Debt collection

I received a will produced letter from First National Collection Bureau , Inc. on behalf of XXXX XXXX XXXX and XXXX Bank. 

I have no recollection of opening an account with this company and do not recall making any purchase at XXXX XXXX XXXX for {$120.00} The letter was offering to remove all " {$120.00} '' if I paid them {$56.00}. 


When I looked on XXXX to check for any collections or outstanding accounts, there were none. 

THIS WAS A WELL DONE SCAM. Very scary and very real looking documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX breached duty of care. XX/XX/2019 RE : Investigation - Delete Credit Inquires and Negative and Late Reporting To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor did not have a permissible purpose, and /or was able to verify my complete file information including full name, address, date of birth and SSN #. INCORRECT ACCOUNT INFORMATION ; PER XXXX XXXX MGMT The accounts below are reporting incorrectly. investigate and correct : 1. { XXXX XXXX } { ac # XXXX } { Remove negative and late reporting information from all records from XXXX XXXX HELOC account, according to proof } I am demanding immediate correction, after which I authorize you to mail me my updated credit reports along with the investigation results, and removal of " Foreclosure Listing '' on the internet. Also, XXXX XXXX is reporting an account that I have NO KNOWLEDGE OF, account number XXXX XXXX account reference, XXXX XXXX -Inaccurate Account Number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I just made a large payment of {$260.00} to  my Chase card two da ys ago online. The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA sectio n 623.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am having discover credit card for years now. 
During last 3 months - I am facing very strange issue. Any time when I am using my work laptop to access Discover card account and use the Discover deals - Discover thinks that I am accessing my account outside of USA which is incorrect. I am very much in XXXX XXXX. No other website is thinking that i am outside of USA. 
Even " XXXX XXXX XXXX '' states that my IP Address : XXXX Due to the above and certain other issues - I am not sure whether I will be getting 5 % cash back on XXXX deal that i placed the order using my Discover card. I have been following up with Discover but not getting any serious response from them. 

Another issue - Secure message center does n't allow sending the attachments otherwise Discover customer service can see all the screen shots Infact this wrong location of Customer is impacting other Discover customers also that I am aware of. My wife and my friend also. But discover is simply in the denial mode. I had recently relocated from XXXX XXXX to XXXX XXXX  during XX/XX/2017
Product: Debt collection

Certified Services, Inc. repeatedly calls my grandmother and the man who calls threatens her with physical violence and uses profanity. She will hang up only to have the man call right back and continue to attempt to make her pay my debts.
Product: Credit reporting or other personal consumer reports

this company has broken the law by add to my consumer report
Product: Credit reporting or other personal consumer reports

I was stunned to find out that my credit report includes inaccurate accounts that I didnt authorize. These errors have been dragging my score down and making it harder for me to move forward with opportunities Ive been pursuing.
Product: Credit card or prepaid card

Someone who knew my personal information obtained a credit card through Baclays Bank and added me as an authorized user without my knowledge or consent. The primary card user is using the card and not paying the bill and has refused to remove me as an authorized user to damage my credit.
Product: Credit reporting

I am trying to get my credit report fixed and I was told that the bureaus have 30 days to respond, I mailed ExPERIAN a letter on XX/XX/XXXX and have yet to hear from them. I am not going to continue to waste my time on this so please help me. My main concerns are in the letter that I have attached to the complaint.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX  XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$140.00} XXXX  XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXX  XXXX XXXX  : {$8700.00} XXXX XXXX XXXX XXXX  {$1500.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I asked 3 credit bureaus to verify my information and they did. I researched and found improper inaccuracies on my 3 credit reports after they completed their thorough research. The account name is XXXX XXXXXXXX account number is XXXX. 
In accordance with Fair Credit Reporting Act XXXX account number XXXX has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle was at the creditor dealership getting maintenance. The mechanic left the oil cap off, causing the motor to seize. It was under their responsibility and will not claim it. They originally said they would take care of the loan. However after returning the car, they still reported it as a repossession and this is incorrect information as they assumed full responsibility. They will not return phone calls nor will they return emails.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

File Identification Number : XXXX Provided by TransUnion Consumer Relations On XXXX I did a credit check. It stated that I owe XXXX XXXX, a total of {$330.00} dollars. This is impossible. One I haven't had a account with them in years. Two there is no overdraft on the account I closed. Then when I tried to contact them about this, they won't give me any information, etc. Years ago I was hacked and suffered from identity theft this is the only possible way for this. I did not owe this bank for anything. Now I'm tryin to dispute this and nothing is going on
Product: Credit card

On XX/XX/2023, while in the process of booking a flight through XXXX XXXX, I was presented with an enticing offer to apply for a Citi AAdvantage credit card. The advertisement was clear : apply for the card, and upon approval, use it to complete my ongoing flight booking to receive {$250.00} in statement credits and XXXX miles after spending {$2000.00} in the first 3 months. On the application form, it stated : " If approved today, you will get an account number and temporary minimum credit limit to use on travel immediately '' Trusting these explicit terms, I paused my flight booking to apply and was subsequently approved for the card. However, the company 's system failed to reliably provide me with the promised account number. While Citi claims that a virtual card number is displayed briefly after approval, due to technical difficulties, this critical information was not accessible to me. When I sought a resolution from Citi 's customer service, they refused to regenerate or retrieve the number, stating it was a one-time display. I also requested this policy in writing for further clarification. 

This key limitation was neither disclosed in the promotion nor covered in the terms and conditions. Because of the company 's failure to deliver on their promise and their unwillingness to rectify the situation, I have missed out on the benefits of the promotion and incurred an unnecessary credit inquiry that has negatively affected my credit score, as well as a lot of time trying to resolve this situation.