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

Sent letters to all  XXXX  agencies -- -got reports from  XXXX  and  XXXX  BUT ONLY GOT RETURNED LETTER TWICE FROM TRANSUNION  XXXX  CAN NOT GET THROUGH TO THEM IN ANY FORM. HAVE MANY CORRECTIONS TO MAKE ON ALL  XXXX  DUE TO VERY OLD DEAD ACCOUNTS AND VERY OLD CLOSED ACCOUNTS.     IT IS BECAUSE OF THIS VERY OLD INFORMATION THAT I BELIEVE MY IDENTITY HAD BEEN STOLEN TO BEGIN WITH!!!!!!     CAN YOU HELP ME???????     Thank You.
Product: Checking or savings account

XX/XX/24 I discovered a request was made from USAA against my XXXX  XXXX XXXX account in the amount of {$1000.00}. I immediately contacted USAA and opened a fraud case same day disputing the transaction. I advised by the agent that USAA does not provide case numbers and that I would be contracted by a fraud rep with 1-2 business days. No one has contracted me and it's been 4 business days. I made a contact to USAA today XX/XX/24 for an update and was advised by rep XXXX that my case was closed. Upon me reviewing my online profile I discovered someone was able to login to my online profile, add 2 family members, change my address, request an expedited debit card ( in PA I live in FL ), activated the card, changed my email address, and withdrew {$600.00} from an ATM in PA. I was placed on hold for more than 30 minutes before the phone was disconnected when I asked for my concerns to be escalated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account being reported by XXXX multiple times. Every time, XXXX responds that the information is accurate, but IT IS NOT. It seems that the credit reporting agencies ( XXXX, XXXX & Transunion ) simply take XXXX 's word for things rather than conducting a proper " investigation. '' The credit bureaus are responsible for verifying the ACCURACY of the information THEY report. They can not simply rely on XXXX 's word, or the word of ANY creditor, with no proof. 

As explained previously, this account was included in my bankruptcy in 2008 in the XXXX District of IL Bankruptcy Court Case No. XXXX. Despite XXXX XXXX choosing to classify this debt as a student loan, IT DOES NOT MEET THE DISCHARGABILITY EXEMPTION CRITERIA contained in 11 USC 523 ( a ) ( 8 ) or even the definition of a " qualified educational loan '' under 26 USC 221 ( d ) ( 1 ) as it was issued ABOVE THE COST OF ATTENDANCE as  established by my educational institution. 

Whether or not XXXX agrees with the Judge 's decision or even likes the judge 's decision is 100 % irrelevant. The fact of the matter is THIS DEBT WAS DISCHARGED IN 2008 -- 10 YEARS AGO. As such, IT IS A VIOLATION OF THE FCRA to continue reporting it on my credit report ( s ). Irregardless of XXXX 's position, I have court documents affirming my discharge and this debt needs to be COMPLETELY REMOVED from my credit report ( s ) immediately as the discharge was 10 years ago and therefore no longer qualifies to report on my credit IN ANY FASHION.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 reporting or other personal consumer reports

To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately. 
XXXX XXXX Account # : Account Description : Account Rating : Account Status : Account Type : Balance Owed : Closed Date : Credit Limit : Creditor Remarks : Creditor Type : Date Opened : Date Reported : Date of Last Activity : Dispute Status : High Balance : Last Payment : Last Verified : Past Due Amount : Payment Amount : Payment Frequency : Payment Status : Term Length : Loan Type : XXXX XXXX Individual CollectionOrCharge Off Closed Revolving {$0.00} -- XXXX DISPUTE RESOLVED REPORTED BY XXXX Banking XXXX XXXX XXXX XXXX  {$580.00} -- -- -- -- -- XXXX XXXX XXXX -- -- -- {$0.00} -- -- -- -- -- XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





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, credit repair services, or other personal consumer reports

I opened a XXXX XXXX store card in XXXX of XXXX. I had only one purchase on the card for a watch that costed {$620.00}. I purchased this watch at XXXX XXXX XXXX XXXX XXXX, WI XXXX. I have a receipt for the watch as well as I forwarded my receipt over the phone. I returned the watch the next day as the watch wasn't a good gift. 

My store card was charged without my knowledge as it was stolen by somebody and used in a foreign state. I found about the charge when the account was delinquent and collections agency was calling me. The credit charges posted on my account were without my knowledge. XXXX XXXX account team did not help me as they kept me reverting back to some collections agencyXXXX XXXX posted many months of late fees on top of the ~ {$110.00}. the late fees added by XXXX, inflated the over all owed amount to {$380.00}. And I have been harrased and not provided any support to launch a claim. XXXX XXXX horrendous service caused delay in customer support or relief for me as the customer. I have called and waited on hold with XXXX XXXX customer service then XXXX XXXX  ( XXXX uses for their store Card ) and spent hundred of hours trying to resolve. XXXX XXXX customer service has been giving me different numbers each time I call. I filed a fraud claim with XXXX XXXX explaining that my card was stolen but no support came in from XXXX XXXX at all. It's XX/XX/XXXX and I still do not have any support. XXXX XXXX customer Customer service gave me XXXX XX/XX/XXXX week, customer service told me to talk to the accounts team. 
Customer service gave me XXXX to talk to the fraud department. the fraud department did not have anyone available to support. 
Customer service gave me XXXX, this time explaining that XXXX is direct number to the team responsible. I waited hours to finally file my fraud complaint with XXXX id : XXXX Then XX/XX/XXXX XXXX XXXX gave me XXXX, telling me it will work this time, only for the number to say that due to COVID no call support is available. 

XXXX has harassed my mentally and physically with bad service and a ~ {$110.00} fraud charge for over three years. 

I request for the CFPB to help me remove this fraudulent entry on my credit report as XXXX XXXX have constantly failed me and I and begging for relief.
Product: Debt collection

Oxygen Recovery Group and company name XXXX XXXX and reporting false information on my credit report. XXXX  is does not have a system where i can upload my documents ( successfully ) to prove to them this is identity theft. XXXX XXXX falsified my signature ( i have prove they used one of their employees to sign ) and illegally used my social security number to obtain a new business account. They irresponsibly put this information on my credit report and they are not answering me when i try to show them prove that someone from their company falsified my information including signature ( my signature is very different from the one they used, i have different IDs with my real signature. XXXX  is not doing a good job at verifying this and they are just damaging my credit!
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one is making credit application in my name. XXXX XXXX and XXXX XXXX  XXXX trans union and XXXX
Product: Debt collection

Called a company called also us and associates but it was a scam article in XXXX search. They wouldnt take my payment for the debt but tried convincing me to dispute the debt. This was after he took my info. I.e credit card info, social security, date of birth, and address, and also email. The attached photo is a screen shot of the email sent from said company they wanted me to sign a contract. My name isnt even spelled right and that was my first red flag
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a personal check to pay the remaining balance of my loan. I sent it with the following conditions : Cashing this check, you agree to the following : 1 ) Show Paid in Full 2 ) Removing Negative Items from Credit Reports 3 ) Cease collections They cashed the check on XX/XX/18 & failed to report according to our agreement.
Product: Debt collection

Selip & Stylianou , LLP Attorney at Law on behalf of Metro Portfolios , INC representing XXXX XXXX XXXX has subpoenaed my financial records and decided to collect the debt directly from my paycheck. My name is XXXX XXXX XXXX it is not XXXX XXXX this collection is illegal because it is nowhere on my credit report to be found i wasn't even given the chance to dispute the claim the uploaded court filing was sent directly to my employer
Product: Checking or savings account

I have a checking account with Chime-XXXX XXXX XXXX  XXXX On XX/XX/year>, my account was hacked by an unknown individual and {$500.00} was transferred from my account to a XXXX. I filed a dispute with Chime immediately, and submitted info to help verify and prove fraud had been committed. Specifically an email I had received that morning, from Chime mind you, informing me that an unknown device located in XXXX, XXXX  had logged in to my account with specific date and time,, along with the email I had received from them confirming that said funds had been sent. I live in XXXX XXXX and I dont know anyone, anywhere in, nor have I ever been to XXXX, period, so clearly it wouldnt take much investigating to check my activity activities and location history of same to see a routinely pattern, located in XXXX  XXXX After all, I am the only one with access to and listed on the account, yet Chime denied my dispute, but failed to inform me of their decision for same. They did not send an email, or correspondence of any kind stating their decision and evidence supporting same. I finally called them a month and hale after theyd resolved matter to find out theyd already reached a decision. Clearly the investigation was not done thoroughly, an two year old could see it was clearly fraud, based off my history and actions alone, bc I dont make transfers to cards or randomly login from an unknown device. Its bill! They did me wrong!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and notice some wrong information on all 3 credit reporting agencies ( XXXX, XXXX, and EQUIFAX ) that I am requesting that they are investigated and removed. Wrong addresses and phone numbers that were never mind, I have filed a police report with the XXXX Police Department for possible identity theft and put a freeze on my accounts.
Product: Credit reporting

These agencies are giving the wrong conviction of my criminal background. My final conviction was a XXXX, not a felony.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX Date : XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX XXXX, XXXX Date : XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXXXXXX XXXX, XXXX Date : XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX, XXXX Date : XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX, XXXX XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit card

I am writing to file a formal complaint regarding an identity theft incident involving Comenity Bank. On XX/XX/year>, I discovered multiple unauthorized hard inquiries on my credit report. Immediately upon noticing this activity, I took proactive steps to protect my financial information by freezing my credit report and contacting all banks associated with the inquiries. 

During my investigation, I discovered a soft inquiry by Comenity Bank. I promptly contacted Comenity Bank on XX/XX/year>, informing them of the identity theft and requesting verification of any accounts associated with my Social Security Number ( SSN ). Comenity Bank confirmed the existence of an unauthorized account with a balance of {$340.00}. They assured me that the account would be closed, and I requested a dispute regarding the balance owed. 

Subsequently, I filed a police report on the same day to document the identity theft incident. On XX/XX/year>, I received a letter from Comenity Bank confirming the closure of the unauthorized account. I called them in XXXX to inquire about the status of my dispute, and they said it's still in progress. The letter dated XX/XX/year>, received after a significant delay of 2 months and 18 days, stated that their investigation concluded with no basis to support my dispute. Please note there were they was no specific documentation related to their investigation or instructions for payment. 

In response to this letter, I contacted Comenity Bank at the provided number ( XXXX ) seeking clarification and was informed that I could not speak directly with the dispute team over the phone, but was advised to email them or file a new dispute. Given this instruction, I proceeded to file a new dispute, but as of the date of this complaint, I have not received any correspondence from Comenity Bank regarding the status of this new dispute. 

Moreover, despite my efforts to resolve this matter directly with Comenity Bank, my attempts to reach a settlement representative on XX/XX/year>, were unsuccessful after waiting for over an hour on hold. 

This situation has caused undue stress and uncertainty regarding potential penalties and the impact on my credit rating. It is concerning that Comenity Bank 's processes may have failed to adequately verify identity during the issuance of credit, leading to financial repercussions for an identity theft victim. 

Your assistance in resolving this matter swiftly would be greatly appreciated. 
Please note that due to identity theft, I am currently involved in dispute processes with several banks, and my experience with other banks has been significantly better than with Comenity.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against this agency again because I sent them a dispute on the XXXX of XXXX with supporting documentation as to why the referenced items in the attached dispute letter must deleted due to its noncompliance with the FCRA. I have yet to receive the investigation results and its been more than XXXX  days. I demand to receive the results now. I also attached the supporting documentation and a copy of my credit report around the time I initially sent the dispute.
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Removal of Information Due to Identity Theft Pursuant to 15 U.S.C. 1681c-2 ( a ) and 605 ( b ) ** Dear Sir or Madam : I am writing to formally notify you that I have been a victim of identity theft, which has resulted in fraudulent accounts, inquiries, and information being included in my credit report. Under my rights provided by 15 U.S.C. 1681c-2 ( a ) and 605 ( b ) of the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate blocking and permanent removal of all information associated with this incident from my credit file. 
This incident originated from the theft of my vehicle, as documented in the police report issued by the XXXX XXXX XXXX  ( Case Number : XXXX XXXX XXXX XXXXXXXX ). Inside the stolen vehicle were my personal documents, including my government-issued ID and my Social Security Number ( SSN ). The theft of these sensitive documents directly contributed to the identity theft I am reporting.

In accordance with FCRA 605 ( b ), upon providing the required documentation, credit reporting agencies are obligated to block any fraudulent information identified by the consumer within four business days of receiving this request. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Balance Owed : {$1800.00} XXXX. XXXXXXXX XXXX  number XXXX To support this request, I am attaching the following documents : Identity Theft Report from the Federal Trade Commission ( FTC ) : Report Number XXXX. 
Police Report : Issued by XXXXXXXX XXXX XXXX documenting the theft of my vehicle and personal documents ( Case Number : XXXX XXXX XXXX XXXX XXXX 

" I hereby request the immediate removal of all fraudulent accounts, inquiries, and any related information resulting from the identity theft. This includes, but is not limited to, any accounts, transactions, or inquiries made without my authorization. As per my rights under the Fair Credit Reporting Act ( FCRA ), I demand that these items be permanently deleted from my credit report without delay to prevent further harm to my financial and personal reputation. '' Additionally, I kindly request the following : Confirmation of receipt of this letter and the attached documents. 
A written statement once the accounts and information have been blocked and removed from my credit report. 
An updated copy of my credit report reflecting the changes made. 
Thank you for your prompt attention to this matter. I trust that you will comply with the provisions of the Fair Credit Reporting Act ( FCRA ) to address and resolve this issue swiftly. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX, XXXX, and department of educationXXXX is in Violation of Family Educational Rights and Privacy Act ( FERPA ) .
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible 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
Product: Credit card or prepaid card

I recently was going through a divorce and found out that my ex-husband was not paying my credit card bill my credit cardbill. And it was fairly delinquent I contacted the company made arrangements started making {$75.00} a month payments and they were hitting me with a {$38.00} late fee every month and interest on top. I have called them my payments went up to 90 some dollars a month still were hitting me with the late fees and interest started sending me harassing letters Im finally up to {$200.00} a month and Im still getting letters from the company theyre still hitting me for the full interest and the {$38.00} a monthly fee because my credit is still past due even know I making the payments before the bill is due. I am barely affording to put food on the table for my child but I managed to pay them {$200.00} a month when all the other credit card companies will work with me for little payments and then drop my interest-rate hardly nothing and removed all late fees if American Express would take off all the late fees and drop my interest my payments would become very reasonable and I could pay off the debt but they are unwilling to work with me at all all they want is more money and they just keep threatening me to collections. They hit me with a {$38.00} fee and almost {$100.00} a month in interest so you see that my balance is not going to come down quickly at all.
Product: Credit card

Im disputing owing any and all debts I am also revoking all rights of them communicating with me through email text and calls. Im requesting debt validation I am also requesting the purchase agreement between the debt collector and the original creditor Im also requesting they furnish proof that they are licensed and bonded. The collection agency has not provided validation information but yet placed a collection on my consumer report. I have not been given a chance to dispute the account. The collection agency is violating my consumer rights by using false misleading misrepresentation and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosure required by law and they are in clear violation of 12CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A
Product: Debt collection

I had just called Credit Collection Services in XXXX to clear up an old dispute from 2018 which they placed with XXXX  in 2018. 
I paid CCS the total amount due and they agreed they would delete it from my credit report. After paying them and having it deleted from XXXX  about three weeks later they contacted XXXX  and reported that I owe them. This was clearly a case of " debt parking ''.