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

To XXXX, Experian, XXXX, XXXX, & NJ Attorney General A XXXX credit card was fraudulently opened in my name in XXXX XXXX. In XXXX XXXX I reached out to XXXX to inform them of this matter once I seen it on my Experian credit report, they agreed to close the account. Experian, XXXX, & XXXX removed the fraudulent account from my credit report however, this month it illegally reappeared on my credit report although the account was closed in XXXX due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I submitted this report to FTC and CFPB. Someone please reach out to me so we can handle this illegal issue soon because I will soon be reaching out to my lawyer.By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. XXXX account ending in XXXX. Closed XX/XX/XXXX. Also, the account is inaccurately reporting that it was closed in XXXX XXXX which is also illegal. This account was closed in XXXX with a {$0.00} balance. All of a sudden the account is reappearing 6 months later with a balance of {$2300.00} which is false. This account was paid off at closing. I have 2 other accounts with XXXX in which I opened myself 4 years ago and I was making payments to this account as well which I was unaware of. Every time I submitted a payment, I was also paying off this account, unaware that I was paying a 3rd account. This account was paid off at closing on XX/XX/XXXX. That also need to be corrected. This whole account is inaccurate in many different ways which is illegal. I will not submit anymore payments to this illegal account and I need it removed from my credit profiles and investigated individually by each credit bureau and the Attorney General immediately. I also need the date of closing corrected to XX/XX/XXXX with a {$0.00} balance. I have not received a statement for this account since XXXX. All of a sudden a statement appeared in XXXX with {$2300.00}. I do not want to receive anymore statements for this account. I do not want to be harassed by XXXX regarding this account. They keep accusing me of opening the account after I continuously tell them that I did not open this 3rd account. I have made multiple payments to this account although I continuously tell them I did not open it. I have been told that this Is illegal and I will no longer pay them. I will handle this legally. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX and Midland Credit Management. The Account Opened is XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}. The Account Opened is XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Midland Credit Management Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

I received an alert from XXXX on XX/XX/XXXX that Equifax had changed my address on my credit report. When I tried to log into the Equifax Lock and Alert website I was informed that access was not possible at that time and was instructed to call them directly. When I called the Equifax number, I spoke with an individual by the name of XXXX who barely spoke understandable English. When I explained my issue to XXXX, he stated he was unable to tell me why an address change had been made to my credit report and offered no other assistance. The issue is that we updated our current address with all of the credit reporting agencies when we moved into our current address almost XXXX  years ago. Although the update that apparently occurred today ( from our old address in XXXX XXXX XXXX  to our current address in XXXX XXXX  ) was accurate, I want to know who/what prompted the update to my credit report -- especially since that had already been done almost XXXX years ago. When I expressed my frustration about not being able to get an answer to my questions, XXXX responded that he took my frustration about not being of any assistance as a compliment. Due to the constant threat of identify theft, I feel I have no choice but to pay for the services provided by Equifax. That said, the quality of the support they provided to me today is appalling -- and is only amplified by having to deal with overseas call centers that use individuals that do not speak English well enough to be able to communicate clearly -- and that have absolutely no interest in providing a reasonable level of customer service.
Product: Debt collection

I learn on XX/XX/XXXX, I received a notification to my email that a charter bill is in my name. I contacted XXXX they said was no account. They re-age this account. According to XXXX XXXX XXXX back in XXXX it was on all credit reports. They was dispute due to this a fraudulent account. This is illegal. I would like for debt validation with my name SSN and drivers license. This company never sent a notice for the debtor my rights. My letter for debt validation and credit report is attach. 


SEND VALIDATION BY THE PORTAL Please.
Product: Debt collection

I applied for a XXXX XXXXXXXX on XX/XX/2022 and got denied because they said that I had poor performance on another card with the same creditor but nothing about already having a XXXX XXXX. I then received a email on XX/XX/2022 stating that I was in collections for a XXXX XXXX XXXX XXXX I never took out a XXXX XXXX and I've disputed with the collection agency. This debt is not mine!
Product: Credit reporting

I have multiple issues on my Experian Credit report. We have sent 6+ letters asking them to correct issues. They claim that they have verified certain accounts as mine. I have asked for proof of method of verification and who they spoke to 4+ times. This is required under 15 US 1681 6 ( 3 ). The refuse to provide the information claiming my request is frivolous and they will not correct my report. I also have several items not reported and reported incorrectly. As a result I have been denied credit on several occasions
Product: Checking or savings account

I am writing to express my concerns regarding my account checking and saving accounts with Navy Federal Credit Union. 

Recently, I have encountered significant issues related to the balance reporting on my account. I believe that the balance displayed often does not accurately reflect my available funds. This has led to unintended overdrafts, especially when using payment services such as XXXX XXXX and XXXX XXXX. As a result, I have incurred multiple overdraft fees that I believe are unjust. 

Despite my attempts to seek clarification and assistance from your team, I have not received adequate guidance on this matter. While your representatives have been courteous, I have not been offered a resolution or reimbursement for the overdraft fees incurred due to these discrepancies. 

I kindly request a thorough review of my account activity, focusing on the transactions that resulted in the overdrafts and a clear explanation of how balances are calculated. I believe that transparency in this process is essential to prevent future occurrences. 

Thank you for your attention to this matter. I look forward to your prompt response and hope we can resolve this issue amicably. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 I sent a dispute request to National Recovery Agency and XXXX XXXX XXXX regarding some inconsistencies with the data they have furnished on my consumer report. According to the consumer report the information is totally inaccurate. I want verification that I owe these alleged accounts. I have never received any documentation granting me the ability to dispute these accounts. According to XXXX XXXX XXXX these corporations are required to promptly provide evidence of any claim against me.A statement with itemized items on it does not prove according to XXXX any debt. The original contract bearing my wet ink signature and not an electronic signature is the only thing I will consider to be proof. That document must list these companies as original creditors otherwise that would indicate fraud if they are trying to collect a debt that is not owed directly to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unverified account is still reporting on my credit report which is a clear violation of federal law. I sent a letter and and there is no response yet. Credit Bureaus failed to comply with the relevant companies listed below. I am sending this complaint to seek for your assistance to help me remove the concerned account for it was found inaccurate and unauthorized. 

XXXX XXXX XXXX XXXX XX/XX/2021 Experian XXXX XXXX XXXX XX/XX/2021 Experian
Product: Checking or savings account

I purchased an item from XXXX  XXXX  in XXXX VA, in the amount of {$200.00} on XX/XX/2020. The item was not as described, I called the merchant and told them about my problem and they stated no refunds. I called my Financial Institution twice to ask for help on getting my money back and they stated they couldn't help me because it was a face to face transaction and closed my case without reasonable investigation. I received no request for additional information nor a provisional credit while they investigate.
Product: Debt collection

On XX/XX/2023 at XXXX, I received a call from Commonwealth Finance . They called from XXXX XXXX XXXX XXXX and I spoke to XXXX. They recorded the conversation and they were asking private information. I wanted to confirm the legitimacy of the company, so I started to ask my own questions. This upset XXXX and she started to curse at me. She called me all kinds of XXXX and XXXX  and then transferred me to someone else who completely ignores me. I was in the car with my family when this conversation took place and it was completely humiliating.

Furthermore I do not believe that I have a contract with Commonwealth Finance. If so Could they please make that contract available.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my credit profile wit equifax, XXXX, and XXXX XXXX shall be accurate and complete. Their verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Product: Credit reporting or other personal consumer reports

I sent the following letter to the three reporting agencies. They are violating the law I have complained several times about them using my personal information without my express written consent which they can not provide because I have not given it. Please rectify the issue immediately.

I am writing to formally request the removal of certain transactions on my consumer report, as outlined in the Fair Credit Reporting Act ( FCRA ) under section 15 USC 1681a-2 ( a ) ( i ) : ( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Ive reviewed my consumer report and Ive identified transactions to be removed per the aforementioned laws.

Copies of this letter and certified mail receipts are also being submitted to the Consumer Financial Protection Bureau.

Below are the details of the transactions that I demand be excluded from my consumer report : Please acknowledge receipt of this correspondence by detailing the time frame of any applicable investigations.

Ive included copies of identification as well as a copy of a bank statement for identity verification purposes.

Thank you for your prompt attention in resolving this matter. 


XXXX XXXX XXXX
Product: Debt collection

Someone contacted me by phone from XXXX and my phone identified the call as being from XXXX, Ga. The woman identified herself as XXXX XXXX from XXXX XXXX and said she was collecting an over {$800.00} debt that went into debt collection from my phone company, which she identified. She asked for verification of my address and birth date. I told her that I would contact my phone company and she said to call back to take care of it. I called my phone company and they said my account was in good standing and I owed nothing. This is disgusting fraud- makes me sick.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural, I am a living being, I have rights 15 USC 1681. 

Equifax is govern 15 USC 1681. And they violated my right numerous of time. I demand the accounts listed below be removed because : According to 15 USC 1681- I have the right the privacy and did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am participating in the Public Service Loan Forgiveness program. I submit Employment Certification Form ( ECF ) at least once each year to verify my employment so that I will be able to see that my payments count towards the program in real time, also as it is recommended for PSLF by Fedloan. I submitted an ECF in early XX/XX/XXXX ( around XX/XX/XXXX ) and received an email on XX/XX/XXXX that more time would be needed to verify my employment. I called Fedloan on XX/XX/XXXX to check the status and was told by XXXX ( Employee ID XXXX ) that she is not sure why the employment was not certified and she would put the form through to be expedited. My employment has still not been verified since that submission. Therefore, in late XX/XX/XXXX ( around XX/XX/XXXX ) I submitted an additional ECF. On XX/XX/XXXX I received the same email stating more time was needed for review and I still have not heard the results of that form. I spoke with Fedloan representatives two additional times, both of whom said both forms should have been approved by now. I have done everything necessary to qualify for the program and Fedloan is not verifying my employment in an appropriate timely matter and I would like this looked into. The two ECF 's I've submitted this year are attached. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that betweenXX/XX/XXXX- XX/XX/XXXX your automotive account with XXXX XXXX XXXX was removed from your credit report. But upon viewing a recent copy of my credit report with XXXX it is now stating that disputed information updated. By law I was supposed to receive anything related to a vehicle repossession and or sale of said vehicle and have n't when it was repossessed in XX/XX/XXXX. I 've called XXXX who only gave me information to collection agency. Contacted collection agency regarding this matter over 45 days ago now and no response. This is also showing as {$0.00} balance, so if I 'm no longer liable for money due why is this not been removed from my credit profile?
Product: Credit reporting or other personal consumer reports

Formal Complaint Against XXXX XXXX XXXX for FCRA Violations I am filing this formal complaint against I Think Financial and the credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and misleading information on my credit profile. 

The accounts in question are Account Number XXXX and XXXX, which currently shows a highest balance of {$3500.00} and {$26000.00}, each one, respectively, were last updated in XX/XX/year> with a status of Discharged through Bankruptcy XXXX  XXXX and Never Late. Despite this, the account remains on my credit report, negatively impacting my ability to secure financing for a vehicle or home. 

Violations of the FCRA & Consumer Laws : Incorrect Reporting of Balance ( FCRA 1681s-2 ) These account still reflects a balance of {$3500.00} and {$26000.00} despite being discharged in XXXX  XXXX Bankruptcy. Per FCRA and bankruptcy discharge laws, a XXXX account must report a {$0.00} balance. 
Obsolete Information ( FCRA 1681c ( a ) ( 1 ) ) Negative accounts can only remain for 7 years from the Date of First Delinquency ( DOFD ). If this account exceeds that timeframe, it must be removed immediately. 
Failure to Report Accurate & Up-to-Date Information ( FCRA 1681e ( b ), 1681s-2 ( a ) ) The last update was in XX/XX/year>, which indicates failure to properly report the bankruptcy discharge status and correct the balance to {$0.00}. 
Misleading & Unverifiable Information ( FCRA 611, 1681i ) The account status states Never Late while still negatively impacting my credit report. This is misleading and violates the accuracy requirements under the FCRA.

If the furnisher can not provide complete and verifiable proof of the accuracy of this reporting, the account must be deleted immediately. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

my card was abruptly shut down by bank of ameica for no reason and no notifcation... they blocked me from logging into my account, so I called and they said they shut down my card but would not tell me why.. 
well I want to know why my card was closed???
Product: Credit card

i have been with us bank for years with XXXX. card. On XX/XX/XXXX i stayed in NH XXXX there was no hot water at XXXX on XX/XX/XXXX i reported it immediately. 
nothing but excuses reports to BBB have just said we are sorry i request refund its ignored. I do not like that its possible you will give me a problem about this. by XXXX XX/XX/XXXX i was leaving and that is when it was discovered. there was nothing more for me to do. i want and am entitled to a refund without a problem i dont like getting a letter saying it may not be successful it better be. 
i am not paying it. XXXX would have already credited it.
Product: Debt collection

I have no knowledge of this account this is fraudulent I haven't had a XXXX account in 10 years
Product: Vehicle loan or lease

Creditor keeps calling my workplace after being told twice to not call my place of employment.
Product: Credit card or prepaid card

I just spent an hour and XXXX minutes on the phone trying to get an explanation as to why my payment in excess of the minimum payment ( {$2000.00} ) did not apply to the entire balance of my highest APR balance ( Cash Advance APR 28.99 % ). The payment was made on XX/XX/2022 which is before statement closing date XX/XX/2022, and yet the following statement Cash Advance balance was only reduced by {$290.00}. 

Terms explaining how payments in excess of the minimum payment amount are applied are stated in the statement as : " After the Minimum Payment Due has been paid, we apply your payments to the balance subject to the highest interest rate, then to balances subject to lower interest rates, and then to any Plan balances '' The customer service explanation to me was not consistent to the terms put forth ( above ). She explained that the excess amount is distributed among all balances on the account. When I asked in what way, or how is my excess payment above the minimum applied to each balance she was unable to provide any details on this. 

I suspect this violates the CARD enacted by the CFPB.