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

This is a follow-up to my previous complaint. If you do not remove the items listed below, which are inaccurately reported due to identity theft, I will forward my documents to my attorney to initiate legal action. I prefer to avoid legal proceedings, so I urge you to comply with the law. Please remove the following items as they are fraudulent and were opened without my consent or knowledge. If you assert that these items are completely accurate and verifiable, I request that you provide me with copies of any documentation related to these accounts that include my signature, as I know such documentation does not exist. In the absence of such evidence, I formally request that this information be immediately deleted from the credit file associated with my Social Security number : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$190.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX. You have four business days to remove the reporting of any items in my credit file that resulted from the alleged identity theft. I do not consent to E-OSCAR or any automated verification methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX  XXXX Date XXXX XXXX {$760.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint again as my right under FCRA and fair credit and billing act and HIPPA privacy have been violated. I have for several months trying to get TransUnion to resolve these collections below and the end of the complaint. I am filing a complaint again as there have not been any answers back from TransUnion as I am continuing to receive calls from collections that I have no knowledge of this collection and have requested by certified letter to TransUnion to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. TransUnion has violated my HIPPA privacy as info about my medical conditions by allowing XXXX XXXX XXXX to make inquiry. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report. I have no knowledge of this collection and have requested by certified letter to TransUnion to provide full validation under my FCRA right and also requested documentation on the company right to collect under the fair credit and billing act. I have not received answers to both inquiries. By law the bureaus must remove if they can not provide answers in timely manner. Please remove from my credit report. 

Collections XXXXXXXX XXXX XXXXXXXX Opened XXXX {$140.00} XXXX XXXX XXXX Opened XXXX {$570.00}
Product: Student loan

I originally was signed up for XXXX through my student financial aide representative at a private, for-profit university. When they switched over to Navient, I had just recently finished my degree and had begun to make payments. Since then, I took a job in XXXX by obtaining a work permit. Since I 've moved up to XXXX, it has been incredibly difficult to pay my loan payments on time. I 'm now being paid solely in XXXX currency, and have been wrestling with a tough conversion rate as well. The main problem, however, comes in the fact that they make it very difficult to pay using XXXX currency. I have been told many different things by different representatives at Navient. The most often recommended route is to get cashier 's checks over the border in the US, and then pay to mail them in every month. To me, this is an absolutely unreasonable request. This has forced me to borrow money from friends and family 's accounts in the US to pay for my loans, and has become an impossibility. This has caused me to miss payments and caused hits to my credit. Overall, the process seems overly-difficult and predatory.
Product: Student loan

I believe Navient ( previously XXXX XXXX ) and my school engaged in predatory lending against me. I was told in order to attend the school I could not get federal aid, and as a XXXX back in XXXX who wanted to attend college, I took them on their word. Why wouldn't I, they had no reason to lie to me. But come to find out my school had a pattern of misconduct that has been since well documented. I was given no credit counseling, truth in lending disclosures were not made available to me and no one explained to me how repayment would happen or when. All I was told to do was fill out this form for them and they could supply to money. I borrowed {$100000.00} and fast forward XXXX years my balance is now over {$140000.00} and I have made by my calculations {$50000.00} or more in payments. Navient never gave me a chance to make payments that I could afford my only option was to continue to take forbearances because I struggled to make any money, for about XXXX years after college, never working in the industry I got my degree in. Navient continues to only give me a short-term option that is still out of my reach for monthly payments and when one ends and I start another, they payment gets anywhere from XXXX dollars more each time. I have written letters explaining my situation and my financial struggles but to no avail only XXXX option has continued to persist, and I only fall deeper into debt. As seen in the public eye Navient has been involved in my high-profile class action lawsuits regarding similar cases just like mine and lost in court. Navient is more than couplable and all I have ever asked was for a more reasonable way to repay but as the XXXX  years have gone by, my debt will never be paid back and only continues to grow as my family continues to struggle. I need help.
Product: Debt collection

During the Month of XX/XX/2016, I had a XXXX XXXX done at XXXX XXXX XXXX in XXXX Nevada. The cost of the XXXX per the statement i received was reported as {$1000.00}. Of this amount, {$760.00} was paid by my insurance leaving a balance of {$250.00} which was billed to me as my portion. I called the XXXX XXXX XXXX and told them that I was unable to pay the balance off right away and that, I would like to make payment arrangements. They refused to take payments and as a result, reported me to a collection Agency known as XXXX located at XXXX XXXX Nevada. XXXX intend reported me to the Credit Bureau as owing {$470.00}. I disputed this amount with the credit Bureaus but they said per XXXX record, the amount of {$470.00} was verified to be correct. 
I contacted XXXX and requested the breakdown of the charges and also the reason why they are asking me to pay {$470.00} instead of the {$250.00} bill that was originally sent to me. They have so far refused to give me the breakdown or the reasons why they arrived at {$470.00}. I do not believe I owe {$470.00}. I am willing to pay the {$250.00} but not the {$470.00} they asking me to pay. I do believe they are ripping me off. I am a XXXX years old man in poor health with XXXX and this people are trying to rip me off.
Product: Credit card or prepaid card

I was looking for the perfect credit card to apply for and due to the positive feedback on reviews as well as from many clients and friends of mine that hold the card I applied for a Capital One XXXXr credit card especially since those I spoke with all had at least {$10000.00} credit limit which was exactly what I was looking for. Keep in mind my salary is more than XXXX % of those who hold the Capital One XXXX credit card with their {$10000.00} limit. As such, I expected at the very least a {$10000.00} credit limit and wouldnt be surprised if it was more close to {$30000.00} since I had such a credit card limit in the past when I was making half of what I do now. With a very good credit rating as well as a DEEP six figure income with no substantial debt this was a very realistic outcome. So when the Capital One XXXX credit card came it didnt show the credit limit in the paperwork. I activated the card and as far as what I thought I saw was a {$10000.00} limit because anything less than that would be ridiculous considering my impressive financial qualifications. The first time I went to use the Capital One XXXX credit card it was on a larger than normal purchase of a few XXXX dollars. To my surprise and total embarrassment, the purchase was declined. I downloaded the Capital One app and logged in to see why my purchase was declined.and there it was, the app stated my credit limit was only {$1000.00}!!!!! I was in total disbelief. I tried numerous times to get a hold of Capital Ones Customer Service to get answers as to why my credit limit is so low yet have consistently stated they are experiencing high call volume even when waiting I get disconnected thus going thru this platform. So here I am making more than 82 % of people in this country with no substantial debt except for monthly living expenses and I am insulted with a {$1000.00} credit limit? I had a higher credit card limit when I was XXXX XXXX XXXX with a paper route! What is even more disturbing is the average Capital One Quicksilver credit card limit is between {$5000.00} and {$10000.00}. My financial qualifications are ABOVE average yet I receive a BELOW average credit limit. The bagger at my local grocery store who makes minimum wage has a {$5000.00} credit limit!!! This is beyond degradingas a highly successful Consultant with 3 Master Degrees and several National Awards. The whole point of getting this card was to be able to have access to a higher credit limit. 

CAPITAL ONE RESPONDED TO MY RECENT CFPB COMPLAINT STATING TO GO ONLINE AND SUBMIT A CREDIT LIMIT INCREASE EVENTHOUGH KNOWING THEIR GUIDELINES FOR A CREDIT INCREASE IS TO WAIT AT LEAST 6 MONTHS TO A YEAR. CAPITAL ONE IS WELL AWARE I HAVE YET TO REACH THAT MARK! THEY ARE IGNORING THE CORE ISSUE OF MY COMPLAINT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit builder secured loan with XXXX XXXX on XX/XX/XXXX and made my payments on a bi-weekly basis. The full amount of the loan was never provided to be upon the initial agreement with XXXX XXXX but that at the end of the loan I would receive any funds placed into the secured credit builder loan. 

On XX/XX/XXXX, I received an e-mail directly from XXXX XXXX stating that I had 30 days to pay off my credit builder loan with the amount due of {$390.00}. I made my payments in full for the amount of {$390.00} to XXXX XXXX as to end my Business with them. 

I was monitoring all 3 of my credit reporting agencies during this time period where I had paid {$390.00} to satisfy the account with XXXX XXXX and I noticed XXXX XXXX inaccurately reported the account as a charge off when it was never in a charge off status as of the date of the letter that I received. I also satisfied XXXX XXXX 's request to pay the {$390.00} within 30 days and did so online/through XXXX XXXX XXXX XXXX app. 

After completion of this, nothing has been done on XXXX 's side after I filed a dispute with XXXX stating the facts of the inaccuracies. 

This account with XXXX XXXX has been inaccurately reporting as " paid, was a charge off '' when this is not the case per the above statement from email communication I received from XXXX XXXX  on XX/XX/XXXX informing me they will be selling my debt to a third party after 30 days if not satisfied by XX/XX/XXXX. 

As a result this has impacted my credit file for several months when the account was paid in full. I also was able to login to my account as of the date of this communication to verify that XXXX XXXX stated the following, " Your loan has been paid off and escrow funds of {$180.00} has been successfully withdrawn. '' XXXX XXXX provided me with a refund after I paid off my loan. All of this including the amounts XXXX XXXX has reported are inaccurate and I request the removal of this account in its entirety for this reason.
Product: Credit card

Accounts for XXXX XXXX ( credit and debit/checking ), XXXX, XXXX ( commenity cc ), Capital One ( credit cards ), several other accounts have been opened under my name using my stolen SSN, and previous addresses and phone numbers.

This has not only brought collections actions against myself but also legal problems. As information for third parties has also been stolen an used
Product: Credit reporting, credit repair services, or other personal consumer reports

I Disputed These Accounts as Fraud CONTRACT CALLERS INC Opened XXXX & XXXX XXXX XXXX Opened XXXX & I would Like them to Be Removed Or Reported as Such as They Are In Violation Of 15 US CODE1681C-2 - a consumer reporting agency shall block the re- porting of any information in the file of a con- sumer that the consumer identifies as informa- tion that resulted from an alleged identity theft, not later than 4 business days.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15usc1681. 
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 has violated my rights. 15u.s.c 1681 section 602 A. states I have the right to privacy. 15usc1681section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15u.s.c1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes antedates the report by more than seven years. 15u.s.c 1681s-2 ( A ) ( 2 ) 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 or other personal consumer reports

so i had recently sent in all the necessary documents to XXXX and was able to get them to remove all my hard inquiries except for one from XXXX XXXX but for some reason my equifax credit report is still showing these hard inquiries so i call a XXXX representative on XX/XX/XXXX and was told that i needed to file a report with a list of the inquiries that need to be removed and attach it to my letter the inquiries that need to be removed are bank of 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 XXXXXX/XX/XXXX these are hard inquiries that need to be removed from my credit score for the information was inaccurate
Product: Credit reporting or other personal consumer reports

Received a warning that 8 different unauthorized credit inquiries occurred with XXXX. One with Transunion and one with XXXX ( both from XXXX ). These occurred on XXXX XXXX XXXX 

I have not applied for any new accounts or credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX I have been filing complaints for them to verify my reports for months and XXXX has not respond to my letters.I have been sending letters since ( XXXX XXXX, XXXX ), with no verification to the credit laws that I had included. Seeking help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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, TX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX XXXX XXXX {$1700.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$9200.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$600.00}, XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$210.00}, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$560.00}, XXXX XXXX & XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX XXXX XXXX {$1500.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and I am hoping the fcra and the consumer protection bureau can assist me in getting my financial life back together. The Credit Bureaus are not doing the right thing here. All the accounts listed below are fraudulent and should be deleted immediately : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX BANK Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX [ Please remove THE ADDERESSES LISTED BELOW ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/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 reporting or other personal consumer reports

These inquires were not authorized by or known by me : 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: Debt or credit management

I dont have a PayPal account. Never had a PayPal account in my whole life.scammers set up accounts in my name XXXX  XXXX XXXXPayPal inc
Product: Credit reporting or other personal consumer reports

Dear Bureau, I am writing to formally lodge a complaint regarding an issue I have encountered with Experian, XXXX of the major credit reporting agencies. In XXXX, I had completed a legal name change with a court order. In XXXX, I reported the name change to Experian. The agency updated my information accordingly, ensuring that all my records were current and accurate at that time. 

Unfortunately, I have recently discovered that there has been a significant regression in the accuracy of my personal information on file with Experian. It appears that the system has inadvertently reverted my details to a previous state, replacing my correct information with outdated and incorrect personal data. This error has had a severe impact on my financial standing, most notably rendering me incapable of applying for any form of loan due to the inaccuracies reflected in my credit report. 

Given the gravity of this situation and the potential implications it bears on my financial health, I feel compelled to escalate the matter by filing this complaint with your office. It is my hope that, with your intervention, a thorough investigation can be conducted into this matter, and that Experian will be directed to correct the inaccuracies in my credit report as a matter of urgency. 

I am prepared to provide any further information or documentation as may be required to assist in your investigation. I trust that your office will take the necessary steps to address this issue promptly and prevent such occurrences in the future. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

CITI BANK REFUSED TO SENT ME SECURITY DEPOSIT OF {$200.00} I SIGNED CHECK FRAUD LETTER THAT I NEVER CASHED THAT CHECK ON XX/XX/2019 CHECK # XXXX AND THEY STILL DON'T WANT TO REFUND THE {$200.00}
Product: Payday loan, title loan, or personal loan

In XXXX, we went to XXXX and my wallet was stolen. We called all of our banks and asked them to cancel and reissue the cards that were stolen. We thought that took care of all of the issues, but apparently we were wrong. Fast forward 3 months and we receive a letter from US Bank stating that our credit limit would be decreased on a personal line of credit because we were past due in making payments. As we have not used this account in years, we assumed it may be fraud. Nope, just a bank charging fees that they never told us about and that we never agreed to, and then layering fees on top of those fees. 

Apparently US Bank decided to charge a " rush card fee '' of {$15.00} on XX/XX/2020 when we asked that our card be replaced. We were not told this fee would be charged and would not have agreed to it as there was no " rush '' involved. We hadn't used that account in years and were simply trying to be diligent to avoid fraud. Apparently US Bank saw it as an opportunity to increase fee revenue without telling us ( neither XXXX  nor XXXX  XXXX charged fees to cancel and replace our cards - apparently taking advantage of customers worried about fraud is not their thing, it is a US Bank thing ). 

To compound problems, they never sent a letter telling us they levied the fee, instead charging interest on the fee and assessing late payment fees on the fee ( below are the only charges on this accoun ) t. We have had several accounts with US Bank over the years and do not miss payments and otherwise pay them what is owed. However this is impossible to due when they assess a fee you don't agree to, layer fees on top of fees, and wait three months of  accumulating fees until they decide to send a letter that says " hey we're reducing your credit line because you aren't paying us. '' Imagine the shock to a customer who receives that letter who has a top tier credit score and never misses the payment. 

XX/XX/2020 Late Payment Fee {$15.00} XX/XX/2020 Interest Charge On Purchases {$0.00} XX/XX/2020 Annual Membership Fee {$0.00} XX/XX/2020 Late Payment Fee {$15.00} XX/XX/2020 Interest Charge On Purchases {$0.00} XX/XX/2020 Interest Charge On Purchases {$0.00} XX/XX/2020 Rush Card  Fee {$15.00} Thank you for this attention to this matter. If US Bank is willing to have practices like this with long time, paying customers, I can only imagine the tactics they are taking with vulnerable customers.