23daVinci/CFPB_Complaints huggingface dataset:
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 .This 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now
Product: Credit card

I've consistently maintained punctual payments on this account, preventing any occurrences of overdue status. I'm uncertain regarding the causes of the reported late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit card or prepaid card

Opened account in 2013. Name on card is using my middle and last name. Attempted x3 to get name corrected, but they never corrected it. However, have been using card since 2013 regularly. 
Suddenly card did not work, so when I called, and was told there may be fraud on account, but can not tell me the charges, nor could I go online anymore to verify my account and charges. I told them I have a credit score of XXXX and want to make sure they do not charge late fees or report my account late if I can not go online, have no statements nor can they verbally verify purchases. Nor did they contact me in any form that there were possible fraud charges. I called them when the card didn't work. They said they had to authenticate me, so I went to a website under their direction, did a video and took a picture of my drivers license, they asked me my date of birth, address and SS # and after all that and 1 hour later, said, oh, we can't verify you, but I could make a payment over the phone. I said make a payment to what?! What are the charges? Still they couldn't tell me the charges. Then they said I could send my drivers license and social security care to a PO box . Geez! Really? I asked for a physical address and was going to send it registered mail receipt requested. I have sent in before my drivers licences but they have not taken care of. Now they have my drivers license and a video but still that was not good enough. Just make a payment to some random charges that may or may not be mine! What difference will it be that I sent my drivers license electronically and then the mail 3 previous times and now a copy of my social security card! They worry about fraud and security but send a copy of my drivers license and social security card through the mail to a PO Box . Now does that make senses? Also, it is illegal to ask for monies for something the consumer is unaware of what the charges are for, this is extortion. They are holding my good credit reputation hostage and pay up or else ...

I want my account unblocked to review the charges, or get a statement of the charges, or verbally be told what the charges are for, then once I verify I will pay for what I am responsible for, pretty simple. But have been on the phone 2 days, recorded calls
Product: Credit reporting, credit repair services, or other personal consumer reports

I cancelled my credit monitoring services with Experian this month. I have XXXX days left to reactivate them, and now I have a ding on my credit from an " overdue bill ''. My Experian report only is showing a newly delinquent gas bill from XXXX XXXX XXXX. The collections company listed is XXXX XXXX, which is self reported as a company that works closely with Experian. I have filed a dispute with Experian on this supposedly overdue amount. Although I can not see the full account number for the gas bill on this account, the first XXXX digits that are visible do not match any gas bills from my previously held accounts ( which were closed in 2020 ). I have not lived in XXXX in a year, which can be proven with last years tax returns, my drivers license, paystubs, etc. I also have not ever received a collections letter from XXXX or any associated company prior to this ping on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my consumer rights to privacy and confidentiality under 15 USC 1581. 

XXXX XXXX # 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 XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX  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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently contacted the company Transunion and XXXX about fraudulent activities I recently discovered on my profile that they have control over. I contacted them and let it be known that this activity had occurred and that I had several accounts that needed to be disputed as well as my address along with my name on the profile as well. I have also tried to dispute directly thru the company website but I can seem to reach any accomplishments. On XX/XX/2023, I was able to dispute one item. once I checked my profile all other negatives has been updated. I've Furnished documents such as identity theft reports along with ID verification uploads for addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account name XXXX XXXX XXXX- account # XXXX XXXX XXXX- account # XXXX XXXX XXXX XXXX XXXX XXXX account # - XXXX has violated my rights.

15 U.S.C. 1681section 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 card or prepaid card

On XX/XX/21 someone charged XXXX on my BOA credit card and bought merchandise from XXXX XXXX. On XX/XX/21 I called BOA fraud and reported the information. On XX/XX/21 I received a letter from BOA stating the claim had been resolved and a credit for XXXX had been put back into my account. On XX/XX/21 I received another letter that could not approve my claim, saying that someone in my home had made the charges. I called BOA and told them that I'm the only person that lives at my address. She continued to tell me that someone either in my home or had authorization to use my card. I asked her if she had a name. She said yes it is XXXX XXXX. I told her that my XXXX XXXX on XX/XX/21 and prior to that he was in a XXXX home. She told me that there was nothing right about this and she would turn it in to the fraud dept. I have made at least a half dozen calls to BOA and get a different answer every time.I have also written a letter and a copy of my husbands XXXX XXXX I appreciate any help I can get to resolve this matter. Thank you
Product: Debt collection

A debt collection company named NCBI called me and has been calling me for several months now using local numbers. I finally called back and they stated that I took out a loan in XX/XX/2017 for {$2500.00}. Supposedly I agreed to pay {$310.00} per month on the XXXX of every month and was now in the hole for over {$3000.00}. The personnel I spoke with all seemed to have XXXX ( from XXXX ) accents and all seemed to have normal American sounding names. I argued with them but they threatened my credit score and lawful penalties if I did not agree to resolve this bogus loan. I called out the last person I spoke with, a supervisor, and she became agitated with our conversation.
Product: Checking or savings account

Chime Bank told me my account was being closed on XX/XX/2022. They then emailed me again on XX/XX/2022 stating my account would be closed on XX/XX/2022. I immediately called them to ask why. The representative from Chime told me to disregard all emails and that it was a system generated email. She also said my account wouldnt be closed as she couldnt figure out why I received the emails. She said she also noted in my account to fix it so I didnt receive the emails anymore. My account was closed on XX/XX/2022 a day earlier than the email said. I still havent been told why and I had over {$580.00} in that checking account. They arent sending me any of that money back. So Im filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX and TransUnion about the fraudulent XXXX XXXX Account number XXXX. This account does not belong to me and I had nothing to do with it
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to bring to your attention a matter of utmost urgency concerning my credit report. It has come to my notice that there has been a case of identity theft affecting my credit profile, and despite my efforts to rectify the situation, there seems to be a lack of action on your part. Upon reviewing my credit report, I identified unauthorized transactions and accounts that do not belong to me. I promptly reported these discrepancies to XXXX XXXX XXXX XXXX XXXX Upgrade Inc. XXXX XXXX XXXX XXXX, through the dispute resolution process, providing all necessary supporting documentation. Regrettably, I have not witnessed any significant progress in resolving this matter, and it raises concerns about the efficiency of your identity theft resolution procedures. I would like to remind you that, under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to a fair and timely investigation into any reported discrepancies on their credit reports as well blocked and the removal of any fraudulent accounts due to identity theft. I believe there might be a violation of credit laws in the handling of my case. I urge you to investigate this matter with utmost priority and transparency, ensuring compliance with all relevant laws and regulations. Additionally, I would appreciate regular updates on the progress of the investigation and the steps being taken to rectify the inaccuracies in my credit report.
Product: Checking or savings account

There were several occasions where Ive had a XXXX  as well as other payments and charges that was held until I had a NSF fee attached brocade they sent in other smaller payments before the bigger payments.
Product: Debt collection

On XX/XX/year> I received a letter addressed to me as XXXX XXXX as well as my stepson XXXX XXXX XXXX XXXX company who identified themselves as a Debt Collector. The company was " Cisco , Inc. ''. The information given on the form was regarding XXXX XXXX XXXX for {$990.00}. 

XXXX XXXX is my stepson. He is a XXXX. I have no legal authority, legal custody, or legal guardianship over my step-son XXXX XXXX XXXX He has two biological parents who share legal custody and financial responsibility for their XXXX XXXX XXXX  XXXX. 

My stepson, XXXX, has received XXXX XXXX from the company XXXX XXXX XXXX on throughout the years. They have been ordered by his father and XXXX. I was not involved. 

We have never received a phone call or statement in the mail indicating that a balance or debt is owed to XXXX XXXX XXXX addressed to myself, XXXX 's father, or XXXX. 

I at no time have been involved or have purchased, signed a contract or other documentation or received an invoice of any kind from XXXX XXXX indicating that I have business with them or owe them any kind of debt. I have attempted to call both XXXX XXXX XXXX as well as Cisco , Inc to receive any documentation indicating that I owe a debt to either company and that they notified me that I owed them the amount specified and was given a minimum of 30 days to pay the debt. When I call I am transferred and disconnected. I have also left voicemails with Cisco, Inc but my calls are not returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX XXXX, and XXXX  with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late on XX/XX/2019. There was an error on their part. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Th

e creditor/ " debt collector '' has failed to adhere to Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt. Please remove the alleged debt for the credit/ " debt collector '' has violated my rights
Product: Credit card or prepaid card

A payment of {$360.00} ( XXXX XXXX ) was made online on the XXXXXXXX XXXX XXXX XXXX Website on XX/XX/XXXX. The payment was processed using the only payment source on file with the XXXX XXXX, a source that had been used for at least the prior XXXX payments. The XXXX XXXX notified me that the payment failed due to " ..the account not being able to be located. '' The XXXX XXXX 's reference account number for my payment source ended in XXXX digits that are NOT the XXXX digits that my account number ends in, but the correct XXXX digits appear on all previous payments that were successfully processed. My payment account information had been deleted after the XXXX XXXX payment failed. The original Account XXXX was re-entered, a payment made, and the payment went through. The XXXX XXXX can not verify the source of the incorrect account number it used to process the payment ; my husband and I have no accounts that end in those XXXX digits. The XXXX XXXX has failed to accept responsibility & has charged a fee of {$30.00} for the failed payment, plus additional fees and interest on the balance that was submitted for payment on XX/XX/XXXX. We seek a credit of those fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX never had Auto Loan with XXXX XXXX XXXX. This account was disputed with the nureaus. But, however Equifax Credit Bureau held the fraudulent account on my credit file
Product: Credit reporting or other personal consumer reports

Attaching my notarized letter from my landlord thank you for your patience.. 

Please delete all old address and only keep this one that is showing on the letter. 

Please as well delete my old Drivers License from XXXX XXXXXXXX haven't had that since I moved from there back in XX/XX/year> that number is XXXX Respectfully
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bank Account Number- XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information. 
3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Vehicle loan or lease

I believe that I was pressured into purchasing a vehicle which was recently leased from XXXX XXXX XXXX dealership. I wanted to trade my XXXX XXXX XXXX XXXX XXXX but the dealer did not want my trade in vehicle as they were offering too low of a value which I believe I should have received more for the value and condition of the van. So I told the dealership that I will not be able to afford anything more that {$250.00} per month but the dealer still insisted that the vehicle that I wanted to lease is much higher and {$460.00} + XXXX for insurance toward excess wear and use. So I ended up paying {$470.00}. After 2 weeks I was talking to a co-worker whom recently leased the same exact vehicle for another XXXX dealership and ended up paying almost 1/2 the amount per month that I am currently paying. I believed that I was a victim of over pressuring salesman.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to the discover corporation informing them that I would like them to cease and desist the reporting of my non public private information to the credit reporting agencies. On XX/XX/ I recieved a response stating that they are REQUIRED to report my private information to the ( CRA 's ). There is no such law stating that ANYTHING has to be reported to any ( CRA ) in fact 15 usc 1681a s ( 2 ) ( i ) states in the construction of a consumer report excluded should be '' information solely as to transactions or experiences between the consumer and the person making the report ; ''. Furthermore according to case law FTCvsXXXX its determined that ( CRA 's ) are so intertwined with the banking system that they are considered financial institutions and governed by the gram leach bliley act under this act for two financial institutions to share information they are to provide me a privacy notice and an option to opt out of the sharing of that information. upon calling the number to speak with a " knowledgeable account manager XXXX from Delaware '' she informed me that there was no such option to opt out and that company policy requires the policy and the only way I could speak to the legal department was if I was a lawyer my self. this company is both liable for willful and negligent noncompliance. 

" 15 U.S. Code 6802 B optout ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ''
Product: Debt collection

I noticed this company placed a collection on my credit file in XXXX of XXXX for roughly {$670.00}. The collections was for a medical bill that I do not owe and knew nothing about. I never received a call or letter from the company concerning any debt owed. I called the company and explained that this debt is not mine in fact the debt originates from a medical facility I have never even been too. I asked the company to provide me with anything that substantiates that I owe this debt and they couldn't provide me with anything. I also sent the company a debt validation letter to demand a response and I have yet to hear back from the company. TRANSWORLD SYS INC/55 is clearly a fraudulent company and should be investigated by the proper authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan and was denied. After reviewing my credit report, I discovered Experian re-added a collection entry that was previously removed in XX/XX/2017. 

XXXX XXXX claims that I owed {$920.00}. I went to court to resolve this issue. It was determined that this debt was not mine. I first call Experian but the company refused to removed the debt. A certified letter was sent to Experian. The collection entry was removed. The company sent a credit report proving that the collection entry was removed. 

I provided two copies of the documentation from the Magistrate Court. I am again for the 3rd time providing another copy of this document.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX released pretty much all of their data due to horrible, out-domed, and just plain negligent database security practices. This affects almost every single adult American, including my husband for sure, and me almost definitely. They are not really sure when this hemorrhage of data occurred, and they certainly were n't quick about letting me know. I 'm not sreally sure what this means for me and my family, but I know it is n't good. 

I want them to be held responsible for the damage they have caused. I would like them to implement fraud prevention on ALL accounts forever. This should be the baseline level of security, not the step up. Our credit reports should not be something that are 'easy ' for a company to ask for and get. In fact, I 'd prefer to see this information available to banks ONLY.