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

Apple Card/GS bank USA , This account is suspicious I requested this company to provide me with original signed contracts of me given this company permission to submit my information to any third parties. I also requested this company to provide me clear and conspicuous instructions given me option to opt out of this unknown debt. I requested this company to provide me with written contract of me knowingly agree to owe any debt ( Apple Card/gs bank ) this company havent cooperated and provided me the necessary documents/information. After a statue of time I requested this company to cease and desist all communications with me which they havent and this account is still being illegally reported to my credit report. Which is clear violation of FCRA 15 United States Codes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is incorrectly reporting balance, after payment made company said account would no longer report negative and it still is reporting causing negative impact on my credit score
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of fraudulent accounts and inquiries from my Equifax credit report pursuant to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ), and the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ).

I have been a victim of identity theft, as documented in the attached FTC Identity Theft Report ( Report Number : XXXX ). The fraudulent activity has resulted in the unauthorized opening of multiple accounts in my name, which I did not initiate or authorize.
Product: Credit reporting or other personal consumer reports

remove fraudulent accounts and addresses from my credit report. 
I have disputed multiple fraudulent accounts ( XXXX XXXX XXXX XXXX XXXX  ) and fraud-related addresses that were opened without my authorization. These accounts are linked to addresses in states where I have never lived, proving they are fraudulent. 
Experians FCRA Violations : FCRA 611 ( a ) ( 1 ) : Experian must conduct a reasonable investigation when a consumer disputes inaccurate or fraudulent information. They have failed to do so. 
FCRA 623 : Experian continues to verify fraudulent accounts and addresses despite clear evidence that they are not mine.

FCRA 616 & 617 : Willful noncompliance with the FCRA makes Experian liable for damages.

How This Is Harming Me : I am in the process of purchasing a home, and these fraudulent accounts are harming my credit score and mortgage approval.

Experians failure to remove these fraud-related items is causing financial harm and unnecessary stress. 
Actions I Have Taken ( Which Experian Has Ignored ) : I have sent multiple dispute letters requesting removal of these fraudulent accounts and addresses. 
I have provided proof that these addresses are not mine. 
I have submitted identity theft reports and fraud documentation. 
Despite all of this, Experian continues to verify false information without proper investigation.
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I've been trying to login into the account and verify my identity. I have been contacting the company since XX/XX/2022 but no answer. I've tried calling the number but noone answers.
Product: Checking or savings account

I had set up a withdrawal out of my checking account for the amount of {$36.00} from the creditor ( XXXX ) on XXXX XXXX XXXX There was auto deposit in the amount {$1900.00} that morning on the same day. Which was verified. 
The issuing company ( XXXX ) states that is was rejected by chase. On that date. 
Chace rep claims that the transaction was rejected due to insufficient funds the statement says there was money in the account at the time. When I went back online to find this transaction it was no longer there. I call chase back to be place on hold for 2 hours. I then called back to be sent to someone in inda who I could barely understand what he was saying. I had repeated myself so many times to explain to him what the problem was with no results. I then asked for a manager or senior person, to be placed on hold for 20 mins then the line went dead. 
I have transaction from XXXX but not chase saying the even got a transaction?
Product: Money transfer, virtual currency, or money service

Zelle money to the wrong person and couldnt get my money back
Product: Credit card

Called Citi cards at XXXX Pacific time on XX/XX/XXXX to discuss options to covert my annual fee XXXX  card to a no annual fee card. After agent sent me the required disclosures I had questions before accepting the conversions as I would have points lost, so wanted to explore other options for credit card conversion. Instead of providing additional information the agent refused to repeat information, said I only had one minute to figure out options myself, and then would " hang up '' - I said I was looking up the information since he could not provide it to me. Instead he put me on an endless hold for a few minutes ( clearly waiting so it would look like I hung up on him instead of him hanging up on me ) and then eventually disconnected the call. This is not the first time Citi foreign call service agents have utilized the tactic of placing consumers on endless hold to avoid helping them deal with issues so that it looks like the consumer hung up on Citi and not the other way around.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 4 BUREAUS ARE FALSELY REPORTING THIS ACCOUNT XXXX   AUTO LOAN NOXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and BANK OF AMERICA ran an unauthorized credit inquiry on me on XX/XX/2021. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact BANK OF AMERICA and investigate such occurrence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit card

On XX/XX/year> an inaccurate late payment was placed on my credit report. My payment is due monthly on the XXXX of each month and when I made XXXX 's payment on XX/XX/year> they said I was XXXX days late. This was not XXXX days late only XXXX days late. I called some of my other Credit Report companies to ask them how that work, and they said if you make a payment on the XXXX of each month then your next payment is not due till the XXXX of the next month. Then they all stated your late starts the day after the due date which would have been XX/XX/XXXX. That wasn't 30 days but I tried to discuss the situation with Comenity Bank, but they didn't care, didn't want to listen to me nor to try to resolve this issue. You can not talk to the exact people who handle the credit disputes, and you have to mail paperwork and they said just dispute it. Comenity is a terrible company and I'm already on a hardship for XXXX months and they know it but don't even appreciate that I'm keeping the bills paid on time due to me losing my paycheck. Never in my life have I been XXXX days late on anything and I will never let that happen. I want this removed immediately.
Product: Credit card or prepaid card

I was purchasing a {$3500.00} television at Best Buy store and was told I could get 10 % back in store rewards if I signed up for the Best Buy Credit Card with Citi Bank. I filled out the application including yearly income over {$200000.00} and no mortgage debt. I always pay of my XXXX XXXX   bill to avoid interest. The Citibank Rep denied offering me the Best Buy card ( thus no rebate ) instead wanted me to get a gold card with yearly charge of {$59.00}. I did not accept the offer and did not purchase the tv. A return call to the bank confirmed the denial was based on incomplete credit history! The Best Buy brochure code is XXXX and late fees of {$38.00} and interest on carried bills of 26.49 % APR! I think that if I ran Citi Bank or Best Buy I would want many many customers like me.
Product: Credit reporting or other personal consumer reports

ADDRESSES ARE INCORRECT AND INVALID AND SHOULD BE REMOVED FROM MY CREDIT REPORTS: 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called Chase to report fraudulent charges on my credit card statement that were from XXXX car rental in XXXX on XX/XX/17. I was never in XXXX and reported the charges to Chase on XXXX occasions. I also had them replace my card with a new one and new number. Chase has not done a thing to remove the charges and i have been tranfered from dept to dept. The total charges are {$1500.00}. 
I also want to note that I recieved fraoud alerts from chase via email and text and replied to them as well.
Product: Debt collection

On XX/XX/XXXX, I received a letter from " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX '' on behalf of UHG I LLC stating that a person named XXXX XXXX, who lives at XXXX XXXX XXXX, XXXX, CA XXXX, owes a balance of {$4100.00}. My name is XXXX XXXX, but I live in Kentucky and I have never taken a loan out from UHG I LLC or ever even been to California. The letter states that I need to return an " Affadavit of Fraud '' to their office stating that I am not the same XXXX XXXX that owes this debt. Furthermore, I called " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX '' and over the phone one of their representatives confirmed that my birthday and social security number do no match the person who owes this debt, yet they still on insisting that I use my valuabe time to return the affadavit.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX we mailed a {$2600.00} check to our landlord, for XXXX rent, as we did every month for the past 6 years. 
on XX/XX/XXXX, we were notified by the landlord, that they never received our rent check for this month. 
But when we checked our bank account, we found out that this check was cashed already on XX/XX/XXXX. 
On the same day, we reached out to our bank ( Chase ) to report on a stolen check, and we were advised to come to the bank in person and fill out a : Declaration of Unauthorized Endorsement or Altered Item. And this is what we did on XX/XX/XXXX, and have records of all these steps. 
Since then, we kept calling our bank to follow up on our report, and have been told, that this issue is under investigation and will take time. 
3 months ago, the representative told us that they found out that the check was cashed in the XXXX XXXXXXXX XXXX, and this is their responsibility to pay us back. They told us that they reached out to the XXXX XXXXXXXX XXXX, and we should give them 90 days to respond. 
We called chase on XX/XX/XXXX to follow up, and have been told that they already sent to reminders to the XXXX XXXX  XXXX, and they never responded to them. Therefore, they will have to close our case, and our money will not be recovered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 3 letters to Experian. One letter on XX/XX/23, XXXX letter on XX/XX/23, and another letter on XX/XX/23. I received a letter dated XX/XX/23 - report # XXXX stating they received a request that does not appear to be sent directly by me. This is incorrect. I am attaching a copy of their letter, along with all of my documentation regarding my disputes. Experian on multiple occasions has not taken any action, sending me multiple letters from them stating that they are taking no action as the disputes are not being sent by me. Experian refuses to follow the law and investigate these inaccuracies on my credit report and delete the incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the accuracy of a bankruptcy listed on my equifax credit report back In XX/XX/2020. I  followed up the beginning of XXXX because its been longer than 30 days and its still listed as under investigation on the My equifax portal and wont allow me to dispute it again. I called the customer service lien and explained to the young lady the issue and she kept telling me it was disputed a few days earlier on XX/XX/20. I asked her how could I dispute something online when its been in the dispute process for nearly the past two months.I told her I had all the documentation showing that its said its been in dispute for over 3 days and why wasn't it being removed accord to the fair credit reporting act. She said she would put an escalation ticket in and someone would be getting back to me. I've heard nothing. it's now XXXX and been over 30 days again if we are going with the lady saying it was disputed on XXXX. This is clearly a violation and the item needs to be removed because it has went past the 30 day deadline. I have all the information printed and kept for my records.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

They will not remove an unauthorized and unverified hard inquiry.
Product: Credit card

I have an store credit account with Big Lots. I previously would make all my payments in store. I was told by a store associate when I went to make my payment in XXXX 2024 that the physical stores would no longer take payments and that I could do it online or over the phone. I tried to make a payment online using my account but online you could only use your banking account info. ( account # and routing ). I don't feel conformable using that info online ever so I decided to give them a call. A representative helped me make my payment with no issues. I wasn't charged a fee making that payment nor was one mentioned. Fast forward to XXXX 2024. I called to let them know I wanted to close my account. This time before I was transferred to a rep the automated system informed me that it could be a {$9.00} fee if a rep was to assist with making a payment using the phone. I spoke with a rep and let them know I wanted to close my account. The rep said I would need to pay my remaining balance of {$43.00}. I expected that and was willing. The rep then stated for me to pay using my debit card there would be a {$9.00} fee. They stated that the total to be charged to my card that evening would be {$52.00}. They payment went through and the rep gave me a confirmation #. Two day later I noticed that the charges had not come out of account. I called Big Lots customer service back and was informed that it could take 2-3 days. But they saw the payment and everything was ok. I recently logged in online to check to see if they finally took out for the payment. They only debited {$43.00}. I was confused as it was supposed to have been {$52.00}. Big Lots ended up billing for the {$9.00} instead of taking it out using my debit card. Thus, creating another charge on my statement calling it an " expedited payment fee '' then adding interest all in a span of a week. I didn't ask to expedite anything. Plus if it was expedited why did it take 3+ days to come out of my account and reflect on your end as paid. The whole time I'm left to think the account has been paid off and closed. Now I have to pay interest on the {$9.00} fee for making a payment with them. And again the ONLY way to make a payment with your debit/credit card is speaking with a representative. I know it's not a lot of money but I am only one of thousands that when a company nickle and dime each customer it can really add up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had problems creating a myequifax.com account. I have submitted multiple complaints regarding this issue. Equifax still has not addressed the issue. Instead, Equifax claims that I complained about inaccurate information on my Equifax credit report. This is untrue. I have not complained about inaccurate information on my Equifax credit report. 

Now, when I contact Equifax, Equifax requires that I supply the information regarding the " inaccurate information '' on my credit report before anyone will talk with me about my credit file. Since I never made a complaint regarding inaccurate information on my credit file it is impossible for me to provide this information. Thus, Equifax has made it impossible for me to access my credit file.
Product: Checking or savings account

On XXXX I went to make a withdrawal from an enclosed Bank of America ATM. I was scammed by a thief gained access to the enclosed ATM. 
On XX/XX/2020 the day it happened I contacted Bank of America fraud department. they refused to look at their surveillance cameras but instead they reported me to XXXX XXXX XXXX  and XXXX XXXX claiming that I attempted to defraud them even though the amount was taken out of my account and the bank was not affected. 
Along with this complaint I have attached my initial letter to Bank of America in XXXX Florida telling them what happened and requesting an investigation into the cameras as well as other documents. I have also included their response letter to be from XXXX Florida. I have also included a letter from Bank of America to me claiming that they reported me to XXXX XXXX and XXXX XXXX XXXX and that they provided them with all of the necessary documents and evidence ( which is false ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts are out of compliance : 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 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 - The aforementioned accounts and creditors have violated my rights. 

According to 15 U.S.C 1681 section, 602 A. States : " I have the right to privacy. '' Additionally, 15 U.S.C 1681 section 604 A Section 2 : states " a consumer reporting agency can not furnish an account without my explicit written instruction. '' 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 or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint on behalf of myself there is no third party involved. On XX/XX/XXXX for the amount of {$670.00} and the other one was on XX/XX/XXXX for the amount of {$570.00} XXXX XXXX XXXX XXXX obtained my consumer report and file without a permissible purpose. XXXX XXXX XXXX XXXX is also reporting unauthorized inquiries on my consumer report.