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

I pay to have all XXXX credit bureaus, at my reach. I monitor my credit report and scores, weekly. I have been paying off my credit cards and my scores were rising. XXXX this is what my scores were. XXXX XXXX, Equifax XXXX and XXXX XXXX. Now nothing has changed, but me putting more payments towards my loans. ( credit cards ) XXXX Equifax credit score went down XXXX points, for no reason. I have not used any of my credit and I been paying things off. How can they just go and take away XXXX points, for no reason. This is not fair, and I am sure it's not legal. There has been no activity on my accounts, except for the balances decreasing, due to me paying them down. This is not right, and I want my XXXX points back. I worked hard to get my scores up. Again, there was no reason to take XXXX points from my Equifax score. Pleas help
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am a natural, living human. Equifax is governed by 15 USC 1681. I have rights under 15 USC 1681 to protect and receive. Equifax has violated my rights. I respectfully demand the account listed below be removed because I have the right to privacy, and I did not give Equifax written permission to furnish these accounts, nor did I provide Equifax in writing that they could share my credit report, or provide my credit report to XXXX XXXX XXXX ( Account Number # # # # # # XXXX ). A company I have never heard of, nor have completed any business dealings with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent XXXX a form stating I am a victim of identity theft and requesting specific items be blocked from my credit report. Along with the form I also sent a police report, my drivers license, social security card and my FTC IDENTITY THEFT AFFIDAVIT. According to FCRA 605B once XXXX receives my identity theft report along with a statement from me and other items that verify my identity, the reported information shall be blocked within 4 business days. 

XXXX sent me a letter on XX/XX/2023 stating my request to block was denied due to my request being made in error. There is no way that XXXX can reasonably determine that. I have provided a valid police report and I have satisfied the requirements of a block under FCRA 605B. If XXXX does not follow the laws established I will have no chose but to sue them in small claims court for willful non compliance and damages. 

In addition on XX/XX/2023 I spoke with a representative from XXXX XXXX XXXX XXXX who is handling my file. And he claims he must first contact the creditor to confirm if fraud is found. This is not the correct procedure that should be followed. According to FCRA 605B once XXXX receives information that a consumer identifies as identity theft, accompanied with verification of the consumers identity and a valid identity theft report XXXX MUST BLOCK the information without referring to the original creditor for validation of fraud. This confirms that XXXX is not following the FCRA guidelines that are established to help consumers in these troubled times. XXXX is Violating FEDERAL LAW I have also contacted experian about this and they are saying my police report is invalid which is unacceptable.
Product: Credit card or prepaid card

I have allays had my account set to automatic payments for 'statement balance ' and somehow they got switched to min payment. I have tried contacting Bank of America multiple times and can never talk to someone. I tried updating it on my own, after multiple tries I got it updated myself. I noticed that I had been charged {$18.00} in interest ( I am a balance payer ). Again I made multiple attempts to reach BofA and finally got someone on the phone. Explained situation, specialist in a nice way insinuated that I was in error or lying. Told me he would put in request to refund fee, put me on hold for XXXX min and then told me they would not refund. 

They are using unfair and deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Lexis Nexis credit bureau have laced my Lexis Nexis report with several false entries and entries that are not authorized by me. 
1. This is NOT my XXXX driving record and obtaining new licenses. 
2. I never gave XXXX XXXX my authorization to run inquiries on me. 
XXXX. I never gave XXXX XXXX XXXX permission to run inquiries on me to commit their crimes against me. 
4. I do not own 2 XXXX 's currently insured by XXXX XXXX XXXX 

My old address was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I LOST PROPERTY IN MY BASEMENT WHEN THE SUMP PUMP WENT OUT OF POWER. I MADE A CLAIM TO MY CREDIT CARD COMPANY THRU THEIR BENEFIT CLAIMS BROCHURE. THEY DENIED THE CLAIM BECAUSE I USED THE WORD FLOOD INSTEAD OF WATER ON THE FLOOR THAT DAMAGED MY PROPERTY. THEIR BROCHURE ALLOWS COVERAGE FOR ACCIDENTAL WATER DAMAGE FROM HOUSHOLD PLUMBING.
Product: Bank account or service

I live in XXXX, NY and I use Wells Fargo bank. I have been with Wells Fargo since I was XXXX years old ( it was Wachovia Bank then but was absorbed by WF ), moved to XXXX at XXXX, and am now XXXX. There are approximately XXXX Wells Fargo branches in XXXX and none in the other XXXX boroughs of XXXX. When I need an ATM it is not convenient for me to go all the way into XXXX to use a Wells Fargo bank, and therefore end up using a non-WF ATM to withdraw my money. Wells Fargo charges {$2.00} every time I use a non-WF ATM in addition to the ATM fee which is usually around $ XXXX. So every time I get cash I am charged about {$5.00}. I do n't make a ton of money. I work in the XXXX and with ever-rising rents I just barely stay afloat. If I were to take the train into XXXX and back to XXXX just to use the ATM, that 's approximately {$5.00} on my XXXX! So I 'm paying this fee regardless and I 'm fed up! I use an ATM around once a week. $ XXXX/week for the ten years I 've been in XXXX comes out to about {$2600.00} just to use ATMs. {$1300.00} of which Wells Fargo takes as punishment for not using their bank specific ATMs. I want my money back!
Product: Credit reporting

Inquiries from indentity theft and they refuse to remove with clearly they notice and recognize my situation no help from consumer services please help me just the them removed 3 inquiries   XXXX   XXXX   and  XXXX  I need them to be removed from my credit
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 


Account Name : XXXX  XXXX Account Number : XXXX Highest Balance : {$640.00} Account Name : XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Highest Balance : {$5900.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX Account Number : XXXX Highest Balance : {$6200.00} Account Name : XXXX Account Number : XXXX Highest Balance : {$17000.00} Account NamXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$770.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Highest Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Highest Balance : {$0.00}
Product: Debt collection

LVNV funding/Resurgent Capital Services is attempting to collect on XXXX different debts which are now expired past the seven years. I have sent them a letter warning them if it is not removed from my credit report since they are reporting it fraudulently to my credit report, then I am taking them to small claims court. They ignored my letter. 

It is XXXX XXXX that owns XXXX companies. They intentionally go after low income people and then harass them. I did n't even give them my new address. 

They hit my credit info to find out my new address and sent me a letter demanding the full amount of which has been quadrupled from the regular amount of the original creditor. They refused to give me their phone number because they believe that it will make it harder for me to serve them. 

I have given them until XX/XX/XXXX to respond or I am filing in the state of New Hampshire in small claims and I WILL cost them more than the debt is worth. 

***Additional note to add. I forgot to include this I believe with my previous complaint against LVNV Funding/Resurgent Capital Services. It is my belief that the Sherman Financial group LLC owns all XXXX of these companies and operates them as shell companies. 

I wish I had known back in 2008 when I let these companies hook me into taking their cards out that they would NEVER let me escape them. That they would just wait until the seven years expired then just pile it back on using one of their shell companies. If you do n't believe me just google the company names and see how many lives they have ruined.
Product: Debt collection

Someone used one of the prepaid cards that you buy from a store and purchased a XXXX  XXXX product under my name falsely I called the company to try to figure out why it showed up at my house to return it and they refuse to take it back and the card that was used again was a prepaid card that was fraudulently used with my name. The account was opened XX/XX/XXXX I'm unsure of the exact date. But I did have a dispute done with them and it still shows up on my credit report showing I owe {$510.00} with XXXX payments and I explained to them that it was not my debit card through my bank I don't know who open the card or anything else. XXXX XXXX is the original creditor but MONTEREY COLLECTION SVCS is the one that shows up as the collections Agency on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account name : XXXX  XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) with 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report in accordance with the Fair Credit Reporting Act. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX/2023
Product: Credit card

I took a XXXX  with my XXXX XXXX XXXX mom and XXXX XXXX XXXX daughter in XXXX in XXXX because my mom 's hip was hurting. We had the cab driver take us 4 blocks away from where he picked us up, and presented me with a {$76.00} bill, which was outrageous but I didn't argue and paid. When I looked at my credit card statement, I saw that the charge was for {$270.00} and my assumption is that the driver either altered the transaction further or gave himself a {$200.00} tip that I did not authorize. He did not offer me a receipt so I did not receive one. XXXX ( my credit card provider ) refuses to address this issue without a receipt. I contacted Square ( the payment processor ) to ask for a receipt and their rep told me first that she couldn't find my transaction, then upon threatening legal pursuit, told me they'd have the merchant reach out to me directly. The merchant reached out and said he was 'trying to find which driver did this ' and never resolved the issue. Attached email threads from Square and the Merchant. XXXX correspondence via phone call to their hotline XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX!
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XX/XX/XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX5 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I live in XXXX but am a US citizen. I can not request a free credit report because I have no US address. I can not call any of the major credit bureau customer service lines because they are toll free or demand a zip code. Email contact has had no effect. 

9 million Americans live overseas. How are we supposed to monitor our credit for fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

In the last 2 years Experian has consistently blocked my credit report and scores. 
Experian has made it impossible to call and make an inquiry into why they are not reporting my credit report and scores. 

When I try to use my credit most lenders pull from Experian here in the Texas area, and I have been told repeatedly by lenders that Experian does not show a credit file for me. 

I have sent certified mail with tracking to show proof of my identity and home address. 

Note : I have NEVER request a freeze or any alerts on my credit file either. 

Please help!!!
Product: Debt collection

A debt in the amount of {$69.00} showed up on my credit report. The debt is for Caine Wiener # XXXX. The telephone number listed is XXXX i called this creditor on XX/XX/XXXX and spoke to someone with the initials of XXXX.. The individual would not provide me with a name. I called to inquire about the debt listed on my credit report and the person would not give me further information in order to validate the original debt from 2016. The only information he would give is that the original debt was for XXXX XXXX XXXX. I asked for an invoice to validate the debt and he could not provide that but said i should contact XXXX XXXX XXXX. I have never once received any communication on a balance owed to XXXX so I can not pay this balance. I don't even know if this debt collection agency is legitimate, even though the agent says it is. How can I be certain? I called back on XX/XX/XXXX and spoke to a lady with XXXX XXXX She refused to give me her full name. Again, this company does not seem legitimate and makes me feel like they are trying to scam me out of money. Other than this collection, my credit is impeccable but this seemingly false debt is tarnishing my credit rating.
Product: Debt collection

My mother was called by a collection agency that is trying to contact me. She was told that if I did not get back to them that day, a warrant would be issued for my arrest. This is of course untrue, and an illegal practice. They harrased her for my contact number and caused stress to my mother who is XXXX XXXX XXXX. 

The number that called is : XXXX, and they claimed the name of their company is Warner Asset Location Services
Product: Payday loan, title loan, or personal loan

Hello, I have been using CashNetUSA since XX/XX/XXXX, Line of Credit ID Number : XXXX The current interest rate for this loan is 0.819 % I've paid this loan off a total of four times over the past 5 years. It is time for my debt to be forgiven. 

Additionally, on XX/XX/XXXX, I sent a letter requesting the following information : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts in Virginia.

5. License Number of CashNetUSA Rather than provide me the information requested, they sent a generic response with no definitive answers to my inquiries.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account # XXXX In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have a right to privacy.

15 usc 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 usc 1666 ( b ) a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

On XX/XX/2019 I booked a car rental from XXXX, through their affiliated site " XXXX '' for XX/XX/19-XX/XX/19. The rental cost for the two days was {$190.00} which I paid on XX/XX/XXXX. The car I booked was a XXXX ( SUV ) that seated 7 people and was an '' intermediate '' class vehicle. 

I went to the garage to pick up the car. It was heavily damaged, but there were any attendants to speak with, so I took approximately 25 photos to show the damage that was on the car prior to my departing the garage. I returned the car several hours early, again there was not an attendant in the garage, in the same condition as when I picked it up. Upon receiving my credit card bill in XXXX. XXXX was charged me {$840.00}. for a car I had already paid for on XX/XX/2019. I made many attempts through both XXXX and my credit card to get this item removed from my credit card. XXXX/XXXX  make it very difficult to talk to anyone. The American XXXX representatives say they have nothing to do with overseas rentals and the XXXX people would not speak to me because I had filed a dispute with my credit card. XXXX changed their story many times as to why I owed them this money. They said I did all the damage to the car, but I had photos to show the car was damaged before I left the rental garage. Then they said I agreed to pay $ 400+/day for the car. Which is crazy, why would I agree to pay $ 400+ per day when I already had paid in full back in XXXX for less than {$200.00} for both days? Next, XXXX said I cancelled the reservation, which is not true, I did rent the car. They had other reasons, but each and every reason I had proof that I did not owe them the money. Yet, my credit card company, Barclays, decided to side with XXXX. XXXX is known for doing this type of thing to Americans. If you do a XXXX search, you will see many examples of XXXX ' fraudulent charges. Now they are charging me for a ticket in XXXX, but have not provided any proof of a ticket other than their own paper work. I did not receive a ticket in XXXX and XXXX has not provided a copy of one from the XXXX  police. In their last correspondence, XXXX has gone back to saying I owe them the $ 800+ dollars for the car damage! I have attached all of the photos I took before leaving XXXX ' garage. There is no possible way that I did that much damage to one car, on all four sides in under 48 hours. In fact, I didn't do any damage to the car. They did send one photo of damage they claimed I was responsible, but it was a photo of a different car! There are so many conflicting documents from XXXX that I don't think I could download them all, but I will if you would like me to. The last attachment is the letter I sent to Barclays in XXXX. It is fairly comprehensive and provides a chronological explanation of what occurred. Thank you.