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

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score.  CFPB please step up and delete this ASAP please Im trying to get a job promotion which obviously comes with a raise..XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX   XXXX ( reported duplicate on my credit report ), XXXX XXXX/XXXX XXXX, ( account reported multiple times on my credit report ) XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( account reported duplicate on my credit report ), XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX , XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX
Product: Credit card or prepaid card

Amazon Store Card thru Synchrony Bank ending in XXXX. Card received XX/XX/XXXX. Created online account and fully completed AUTOPAY so that full balance is paid each month using ACH to a bank. 

Billed XX/XX/XXXX for {$200.00}, went unpaid. Follow on bill included {$29.00} late fee plus interest. 

I believe, based on prior experience, that this is a billing tactic to increase revenue while defrauding new customers. Their database deliberately loses autopayment information. I experienced this before with XXXX  XXXX XXXX also. 

Full amount due paid XXXX XXXX and account will be closed when the payments are cycled out.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. There is a fraudulent Child Support account on my credit report. This is not mine nor do I have an idea whose account this is. Please delete the fraud account and hard inquiries from my credit reports as soon as possible. The fraud account is CHILDSUPPORT - XXXX - Opened on XX/XX/XXXX and the fraud inquiries are : XXXX XXXX XXXX  XXXX - XX/XX/XXXX and XXXX XXXX - XX/XX/XXXX. I have attached my FTC report, ID, social security cards, and proof of address. I have been going back and forth with the bureaus, specifically Equifax. They told me that they verified it's mine which is IMPOSSIBLE. Please help me sort this issue within this month if possible. Thank you!
Product: Payday loan, title loan, or personal loan

This loan was opened XX/XX/XXXX This account was included in a bankruptcy chapter XXXX filed XX/XX/XXXX case number XXXX This company Refuses to State and list on my credit report that it was is included in a bankruptcy It also Continues to list as a past due account till XX/XX/XXXX they also refuse to provide a date that this item will be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting misleading information on GOLDMAN SACHS BANK ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Review this reporting by making a revision of the information provided. Adjust and process any corrections or deleted this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is referring to the complaint I sent on XX/XX/2021, compliant ID # XXXX, which was a complaint about Experian. Experian responded back to my complaint, stating This complaint lists someone the company does not recognize as their customer or their customers authorized representative, which is inaccurate and false information. I assure you that I, XXXX XXXX, am the only person and Representative on account XXXX. I have attached documents to support my allegation that I, XXXX XXXX, am the only person on that account. This is an attempt to resubmit my complaint. I, XXXX XXXX, is being violated as a consumer by Transunion and Experian. These credit reporting agencies has added account XXXX from XXXX XXXX to my credit report. Fact, According to 15 U.S. Code 1681a ( d ) ( 2 ), a consumer report does NOT include - ( A ) any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This is the first violation that was committed. You willingly and knowingly reported accounts that is solely as to transactions and experiences between I, the consumer, and the person making the report. Fact, According to the law, that is suppose to be excluded from the credit report. 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ), communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. I was never given an opportunity to give my consent before the initial communication. Fact, According to 15 US Code 1681a ( e ), a credit reporting agency may not include any specific factual information on my credit report record that was obtained directly from any creditor or from me, which is exactly what has happened already. They have including specific factual information on my credit report, which is a violation. Fact, According to 15 US Code 1681a ( d ) ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Transunion and Experian has violated 15 UC Code 1681a by placing a credit card on my credit report, which is suppose to be excluded. 
Below is a screenshot of Experian response yo me last complaint, along with a screenshot of my name that is in the Experian database, the account that is being violated in Experian database, and my ID to prove that I am the person whos name is on the account in Experian database.
Product: Debt collection

Hunter Warfield is attempting to collect on behalf of a rental management company. I disputed this with their lawyer, XXXX XXXX, and we have a settlement showing I do not owe anything and they must immediately stop collections and reporting, yet they have not. See attached.
Product: Credit card or prepaid card

I inadvertently submitted a {$150.00} payment on XX/XX/2019 through my bank 's online bill pay service ( XXXX XXXX ) to a credit card that I previously closed. XXXX changed providers ( from Bank of America to XXXX and I had left this payee in my bill pay ). I have contacted XXXX, XXXX XXXX multiple times. The real obstacle is Bank of America ; they are unwilling to accept the basic data including the credit trace # XXXX XXXX XXXX and the check file # XXXX. The account is no longer active ( last four digits XXXX and it no longer appears in their system ), but they should have records of bank transfers according to routing numbers. I have proof of payment from the bank ( attached ) ; the funds were paid by my bank using the Check Free Bill Pay system ( the bank says this is important because the funds were not wired to BOA from my ckg acct directly but the bank 's Ck Pay System ). A XXXX XXXX representative ( XXXX XXXX ) on two separate occasions attempted to reconcile this problem ( XX/XX/XXXX and XX/XX/2019 ). On XX/XX/XXXX we called Bank of America ( BOA ) together and spent 1 hour and 29 mins on the phone until the manager, XXXX, in BOA credit card servicing disconnected the call ( we were stunned ). Before that we had spoken to XXXX XXXX in BOA 's Recovery Services, XXXX ( Deposit servicing ), XXXX and XXXX, Supervisor, ( both in credit card servicing ). The attachment shows the payment to BOA but they will not return this money and refuse to discuss possible solutions. If indeed the account has been closed, why hasn't the payment been returned to my checking account?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter to XXXX XXXXXXXX XXXX Credit Card, that I'm likely a victim of credit card fraud. according to my credit report with Experian, They have a charge off amount of XXXX. I believe I do not or ever having such an account with XXXX XXXX. In this letter I requested an original contract with my signature and my activity ie transactions if such card existed. XXXXXXXX XXXX sent me a letter on XX/XX/2023 to report that the account is belonging to me but is not showing me proof of any activity. The company is claiming that they have verbal communication with me about this account. I '' m beleve I m a victimof fraud and the company is not moving me forward with investigating first by showing me proof. On my credit file. it look as if there was no charges or activity of usage of this card. Could you please assist me with this issue by first request proof of my signature and original contract that i opened a account with XXXXXXXX XXXX?
Product: Debt collection

XX/XX/XXXX Dear XXXX XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit from XX/XX/XXXX in XX/XX/XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I do not have a Bank Card or Credit card for Care Credit. So I do not have the account no. in order to pay the bill with a balance due tomorrow. of {$9.00}. 
If I am late, there isa a {$35.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this inquires in my credit report that are incorrect and should be deleted. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company was applying my payments incorrectly. Had been paying over the minimum amount, changed auto pay to begin charging minimum amount and that's when all the issues started. They tried to tell me that my payment made in XX/XX/XXXX wasn't for the XX/XX/XXXX - XX/XX/XXXX billing cycle that it was actually for XX/XX/XXXX. They told me that my payments are actually for the next months statement. So instead of applying my {$100.00} payment, they only applied $ XXXX.They kept reversing my transactions to where I don't even know what I have and haven't paid. My XX/XX/XXXX payment was late because of these issues I was having. I made a payment online for the due amount. Then on my next statement, it said that I was {$3.00} past due.I made a {$100.00} payment on the company 's website on XX/XX/XXXX, minimum amount due was {$3.00}. My payment then was due on XX/XX/XXXX. I made a payment on XX/XX/XXXX for {$170.00}. I should not be at fault and penalized for {$3.00} if I was unaware that I even owed that. I paid a late fee that I shouldn't have even paid. When I called to talk to them about this they didn't even bother to help. I submitted disputes with all 3 credit bureaus. Transunion sent me the results dated XX/XX/12 which showed that I was in good standing and that I was never late on payments. However, I looked on the website today and it had changed back to negative. How are they able to change the status without sending me some type of reason why it was reversed over two weeks later.
Product: Credit reporting or other personal consumer reports

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have raised serious concerns about Equifaxs failure to conduct proper investigations. The CFPB alleges in a lawsuit that Equifax violated consumer protection laws by performing inadequate investigations, contrary to its obligations under the Fair Credit Reporting Act ( FCRA ).

Per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax must conduct a thorough reinvestigation of disputed items within 30 days. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) requires that any inaccurate, incomplete, or unverifiable information be corrected or removed promptly. Failure to meet these requirements constitutes a federal law violation. 

I am disputing the following unresolved negative items on my credit report : XXXX - XXXX - {$5200.00} Despite my repeated disputes and providing all necessary information, these items remain unverified. This inaction has caused significant financial harm and emotional stress. 

As guaranteed by the FCRA, I am entitled to an accurate credit report. I request immediate action to verify or remove these items to resolve this ongoing violation of my rights.
Product: Debt collection

My sister, my daughter, my son and others have numerous voicemails from XXXX, XXXX XXXX XXXX stating fraud complaints against me and threatening legal action if my family or other referenced individuals can not get me or my attorney to call them back. There were calls from XXXX XXXX XXXX XXXX ext XXXX ; XXXX ( supervisor ) XXXX ext XXXX, XXXX XXXX XXXX. 
The major complaint is API divulging sensitive information to parties other than myself and scaring and harassing family members and possibly fellow workers who have access to work phone voicemail.
Product: Debt collection

I was formerly a XXXX  customer and decided to switch to XXXX in XX/XX/XXXXor XX/XX/XXXX. Then I contacted XXXX  via cellphone stating that I canceled my insurance and showed proof via email that I was a XXXX customer ( the representative told me that if I didn't show proof that I switched then I would be charged which I promptly did. The representative then said that I didn't have to pay any amount because I called in to cancel and that I was already insured. ) Now I was getting strange phone calls and emails stating that indeed I owed them money for cancelling or I didn't show any proof of insurance. I now have no vehicle because it was totaled in an accident and we are currently involved in a lawsuit because I have XXXX and the other person involved has XXXX   insurance.
Product: Student loan

This is my third time submitting this follow-up. Mohelas response to my first CFPB request did not answer all my questions. I submitted a second complaint so that I could receive answers to the questions that Mohela chose not to address in their first response. However, that request was not completed. As mentioned in my first complaint, I have called Mohela ( calls are recorded as necessary ) and I received multiple different answers from multiple people. I would like a written response on why interest was added to my account, despite having 0 % interest right now. I have paid all my bills on time before the student loan pause and there was no interest accruing during that time. As mentioned in my original complaint, one person from Mohela ( via documented phone call ) has claimed this is interest that I accrued during the pandemic, another has said Mohela is charging me for requesting the refund, and a third said they don't even know. I would like a clear, written response to this request. Im not sure why my second request to clarify this issue was denied and not processed. It does not even appear in my CFPB dashboard of requests anymore. This is my third request. The first complaint number is XXXX. The second complaint number is XXXX.
Product: Debt collection

I sent a letter to Security Credit Services on XX/XX/2021 requesting verification of a supposed debt being collected by Security Credit Services. I have yet to receive any documentation verifying this debt as requested.
Product: Checking or savings account

Some one named XXXX XXXX used my email address and social to open a new account with Truist. Probably trying to collect unemployment. This is the fourth different bank this perp has used to try and open with my name.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unrecognized account that is currently listed on my credit reports with both Experian and XXXX. The details of the account are as follows : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2022 Current Balance : {$1300.00} Status : Closed and charged off I do not recognize this account, and I did not authorize its inclusion on my credit reports. I have no knowledge of this account, nor have I ever held an account with the details mentioned above. The only credit bureau that has removed this account from my report is XXXX. However, it is still inaccurately reported on my Experian and XXXX credit reports. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and verifiable information. I request that this account be investigated and removed from my credit reports immediately as it is not a valid representation of my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and I'm suffering from punitive damages. I've mailed letters to all three bureaus XXXX, Equifax and XXXX and the companies but and still haven't been removed. All the accounts listed are fraudulent and need to be removed! XXXX XXXX XXXX  {$25000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX XXXX {$29000.00}
Product: Credit card or prepaid card

I've had a credit card with Fifth Third for at least 2 or 3 years. I recently received a letter that my credit limit was decreased and the reason was very vague I've never been late on any credit card or ever had any credit card out of 10 different credit card companies to decrease my credit limit for no apparent reason. After speaking to Fifth Third it is my understanding that my credit limit was decreased because my credit score drop 7 points due to the fact that I opened up a new credit card account with XXXX 's XXXX XXXX. This is not acceptable. XXXX, XXXX, XXXX XXXX  XXXX, XXXX and XXXX XXXX have never decrease my credit limit
Product: Credit card or prepaid card

I opened the card with Citi bank with my phone number, email address and security word. A month later they sent email to my husbands email address asking if he opened the card. He called them from completely different phone number without the knowledge of security word and they blocked my card.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report i requested that they provide the purchase agreement to show full ownership of such debt account and also other documents so may review to see if this actually an account that belong tome.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, UNIVERSITY XXXX XXXX, US DEPT XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Product: Credit card or prepaid card

I made 2 purchases with my cashapp card on XX/XX/2023 from XXXX XXXX. It is now XX/XX/XXXX and I'm yet to receive my items. I usually receive my items from XXXX XXXX XXXX in about 5 to 8 days. I began to dispute my transaction around XX/XX/XXXX or so with cashapp. I've provided them with the same documents that I'm providing you with. I have called several times requesting a supervisor .... they always have an excuse as to supervisor availability. I have filed at least 8 disputes since the 15th. All have been denied. At the end of the day. I still haven't received my items. Thank you
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of Identity Theft. My Car was burglarized in XXXX XXXX California. All my personal information, and Business Information was stolen. I've had to start all over again. My Experian Business Credit Report have unauthorized fraudulent XXXX 's on the XXXX XXXXXXXX XXXX XXXX credit report attached. All the Fraudulent XXXX 's on the XXXX XXXXXXXX XXXX XXXX, Experian XXXX Credit Report attached are terminated, and issued XXXX 's attached. The Fraudulent XXXX 's on my Experian XXXX credit report are due to Identity Theft.