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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX Subject : Fraudulent Account Dispute on Experian Credit Report Reference Number : XXXX Dear Experian Consumer Assistance Center, I am writing to inform you about a fraudulent account that has appeared on my Experian credit report. I recently discovered this account, and I am deeply concerned about the potential identity theft or fraudulent activity that may have occurred. I am reaching out to request your immediate assistance in resolving this matter and restoring the accuracy and integrity of my credit report. 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Discovery : XX/XX/2023 I have never had any dealings with the creditor listed above, nor have I authorized any account with the account number mentioned. The appearance of this fraudulent account raises serious concerns about the security of my personal and financial information. I want to emphasize that I have taken extensive precautions to safeguard my identity and prevent any unauthorized access to my accounts. 

In accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I am formally disputing the legitimacy of the aforementioned account. I request that you conduct an immediate and thorough investigation into this matter to verify the authenticity of the reported account. Given the nature of the situation, I urge you to expedite this investigation to ensure the protection of my personal and financial interests. 

Enclosed with this letter, please find copies of supporting documentation that attest to my innocence and lack of involvement with the fraudulent account in question. These documents include identity verification, account statements, and any relevant communication with other creditors or financial institutions. 

I kindly request that you take the necessary steps to remove this fraudulent account from my Experian credit report as soon as possible. Additionally, I ask that you provide written confirmation of the actions taken to address this dispute and the subsequent updates made to my credit report. 

I understand the gravity of this situation and am committed to working collaboratively to resolve this matter efficiently. Please feel free to contact me at XXXX or XXXX if you require any further information or if there are additional steps I need to take to facilitate this process. 

Thank you for your urgent attention to this issue. I appreciate your commitment to accurate credit reporting and your assistance in protecting my financial well-being. 

Sincerely, XXXX XXXX
Product: Debt collection

Note that this was not sent in error! I am a consumer by law and my information was misused and now I am seeing false accounts, not 100 % accurate on my credit report. According to 1681i this account is in violation and reported without valid evidence. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX of Jewelers. My payments were auto drafted from my account. 
XXXX sold their accounts to Comenity Bank. I never received notice of this change. Because I did things electronically the notices may had gone to my spam account. 

I called Comenity Bank and they agreed to remove the late charge. They have not. 

The dates are : Maximum Delinquency of 60 days in XX/XX/XXXX and in XX/XX/XXXX I finally just paid the account in XX/XX/XXXX because I was having so many issues with electronic statements. 

COMENITYBANK/ XXXX XXXX XXXX  XXXX  XXXX  # XXXX Phone number not available
Product: Debt collection

I paid XXXX/XXXX  directly and by law, they must recall the account from Convergent Outsourcing , Inc . Therefore, Convergent Outsourcing, Inc. has no legal reason to be reporting on my credit reports and must delete.
Product: Consumer Loan

calls my job ( XXXX ) when I am unable or unwilling to answer my cellphone. unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised I contacted XXXX XXXX via phone XX/XX/2022, also followed up XX/XX/2022 via certified letter advising XXXX XXXX I haven't autorized anyone from XXXX XXXX access to my credit report they advised myself that they would correct the issue as of XX/XX/2022 this item is currently on my credit report. 

15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, hard inquiries on my transunion and XXXX cred report.
Product: Credit card or prepaid card

Synchrony lowered my credit limit without my knowledge and even though my credit score has only gone up since I opened the account. I had a recorded phone conversation in which they stated they received notice from XXXX on XX/XX/2019 that I had high risk factors. They have had until today, XX/XX/2019 ( almost a month ) to notify me of this and yet I have still have seen nothing in the mail. I only have knowledge of any of this because I went to make an early payment ( Ive made several ) in an effort to lower my balance to improve my credit score. Their adverse action will lower my credit score and cause me undue harm. Their lending has proven to be predatory and dishonest ( see their XXXX star rating and customer reviews ). Im investigating bringing a Class Action Law Suit against them as Im clearly not the only person who has experienced this according to the multiple complaints on the XXXX and even on here.
Product: Credit reporting or other personal consumer reports

I noticed an inquiry on my Equifax account that does not belong to me. Here are the details... 

XX/XX/year> XXXX OF XXXX XXXX I called Equifax XXXX XXXX and also sent them a letter informing them that I did not do this inquiry. Please remove this from my credit report immediately as it is causing me problems trying to access funding. Thank you for you assistance with this.
Product: Credit card

I had requested several times for American Express to close my credit card. It was a gold card with no prepaid spending limit. It took them three times to close the account and I finally received a letter on XXXX stating that per my request the account had been closed. The following day I received another letter stating they cancelled my account due to a past due balance. They have attempted to report to the agencies ( credit bureaus ) that they closed it not me which I believe to be fraud. I will acknowledge that I due have a balance and an attempting to make a payment plan with them. They will not budge American Express does not work with the clients they work against them. I contacted Amex and explained the situation in regards to the letters they deny ever sending me a letter stating I had closed the account. I have it in my possession. I informed them that I was filing a complaint against them and that fraud is involved on there part. I have the names dates and times I spoke to someone in regards to my over due balance. All I have gotten is the run around. To add insult to injury they even charged me membership fees of {$190.00}. If I closed the account and have asked several times before to close it why would you charge me membership fees if the account is either as they state cancelled this is larceny on their part. I have always made my payments to my accounts on time this year has been difficult for me due to illness and the fact that a company named XXXX me for a loop and my accounts were in limbo. I was going to do debt consolidation and came to find out thru your website that the company they use to process the payments had been fined by your organization. Second of all when I informed Amex of this they informed me that they do n't work with debt consolidation companies. So how can one state they have settled accounts with them when they do n't work with them. 

I am requesting a complete investigation into the practices at Amex. I want to make an agreement to pay the balance owed to them for a reasonable amount of money every month. I am on a fixed income and believe it or not they are the only credit card I have with a past due balance I have worked to an agreement with all my creditors to make my monthly payments. Thanks to XXXX who told me to close my accounts my credit score has gone down hill. They made the situation worse. Then to add insult to injury Amex has made my life unbearable. 

I would appreciate it if the CFPB could investigate this issue and get back to me. I want the correct notation be made to the credit bureaus " THAT I NOT AMERICAN EXPRESS CLOSED MY ACCOUNT '' They should not be allowed to get away with doing this to me or other consumers. I have been waiting since last Wednesday for a representative from Amex to get back to me with a response to this and they have yet to do so. I await your decision and hope that we can rectify this problem as soon as possible.
Product: Credit reporting or other personal consumer reports

Due to Experians data breach from XXXX my information was exposed due to Experians lack of security. I have requested to have my correct name on my credit file and to remove the bankruptcy information and they refuse. I have requested the actual documents and they did not provide those documents either. I should have one address and one name on my credit profile. I submitted the complaint on XX/XX/XXXX and they never provided the response within 30days. They did not provide or attach documention supporting their claims. Experian now tries to sell me data breach/identity theft protection from their incompetence and has cost me several thousands in higher interest rates. I would like this negative information removed off my credit file from the complaint on XX/XX/XXXX that they never responded to within XXXX. I also would now like compensation for the data breach in XXXX of my information since they are not removing the negative information.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I

understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.
Product: Debt collection

THEY CALL AT ALL HOURS. NAME IS GILA CORPORATION. I DON'T OWE THEM ANY MONEY.
Product: Checking or savings account

In every attempt to open an account with a bank I am denied due to a bad report from Certegy. And it seems impossible for me to cash a 3 party check. I have obtained a consumer report from them and there are no outstanding Items listed in this report. There are only inquiries from my numerouse attempts to open a checking account to have the benefits that the establishment of checking and savings account ownership comes with. Thanks in advance. XXXX XXXX XXXX.
Product: Credit reporting

I have been disputing and demanding validation of a debts I do not owe and inaccuracies on my credit report for months now, and Transunion has not only been equivocal, they have not provided the requested and sanctioned documentation required by law, nor have they amended the information, in reference to the following accounts since last contact. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXPlease be advised that this is not a refusal to pay the debt, but a distinguish sent pursuant to the Fair Debt Collection Practices Act 1 : USC 1692g Sec 809 ( b ) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a specified compulsion, which is binding on me to wage this debt. This is NOT a request for " validation '' via E or evidence of my mailing address, but a mandate for AUTHENTICATION made pursuant to my Clear-cut name Date of Birth Social Security Number and correct address current accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with instantaneous validity. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any mistaken reports of these as mine. Please proof your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this apparent matter. What is your agreement of law for your collecting of intelligence? What is your authorization of law for your collection of this believed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my autograph or authorization.
Product: Credit card

On XX/XX/year> a charge in the amount of XXXX was made to my AAA credit card account. I called to report a fraud charge and a claim was opened and the money refunded to my card on XX/XX/year>. On XX/XX/year> the same charge was reapplied to my account and I called to ask why, that's when I was notified that the claim was not found in my favor. The merchant supplied a XXXX tracking number. When I discussed this further with the agent on the phone she stated there was no delivery photo, and we both typed the tracking number into the XXXX site and saw the delivery photo was not my residence. She stated she was reopening the claim and provided a claim number. I missed a call from an agent a few days later and made multiple return called and voice messages that were never returned. I called the fraud line again on XX/XX/year> and that's when they notified me the XXXX site had a limited time to view the delivery picture, I had taken a screen shot with the photo, tracking number, and supposed date of delivery so I was instructed to fax the photo in, I also included a photo of the front door of my residence with my drivers licenses for verification to compare. I was instructed to allow 48 hours to review. I called back on XX/XX/year> to follow up and was notified it was never reviewed but a note would be added to my account to view as a priority and that it would take up to 10 business days, which is not what was previously stated. I called back XX/XX/year> where I was told the case was never reopened unlike previously stated and there was a memo that the fax containing my pictures was unlegible. A note was added to my account to review since the document contains pictures for comparison, not text, and to please contact me at my number to discuss. I told them I had previously tried to notify my assigned claim agent multiple times with no call back, she stated that the agent on my claim had changed and was no longer under review by that person, and my fax had been reviewed by someone different. I asked if that was my new case agent and if I could get their contact information, the representative on the phone stated she had no idea who my claims agent would be and could not provide me with contact information for any representative or persons who had or would review my case. My only instruction was to contact back after 48 hours.
Product: Checking or savings account

I opened up several accounts with Suntrust Bank in XXXX. They frozed and closed all of my accounts several weeks later without my knowledge. They had my funds tide up for almost 2 months now. I asked them to release my funds in the branch in XXXX and they declined and said its under investigation for whatever reason. They eventually mailed me a check and when I recently checked the tracking it stated the check was forwarded to another address. When I called to report the issue, they said they will mail me another check but it will take another 15 days. I am requesting Suntrust full cooperation and to release my funds and expedite it to me immediately. Ive been very kind and patient about this matter and just want them to do right by me. Im a good hearted personIve received several proclamations from Mayors ; worked for the US Dept of Commerce so Im a legitimate and great individual and dont understand why they would even close my accounts without my knowledge. This is very unprofessional and very bad business. I just want my funds released to me immediately. Thank you for your cooperation and attention to this matter.
Product: Credit reporting or other personal consumer reports

I have spent over 3 days of time trying to get in touch with Experian to unfreeze/thaw my credit. Their automated, robotic system does not work and will not allow you to do anything spiraling you in to an infinite loop, eventually hanging up on you. This is a total frustration and outrage of trying to get access to my credit. 

Their system needs to be monitored and fixed, and if it isn't fixed they should be fined daily for their inability to do business.
Product: Debt collection

I never have been to inphynet XXXX XXXX XXXX or any of its doctors in my life and I apparently owe them XXXX dollars I try to contact them and it is impossible no contact info. I googled them and most of their reviews say they have been scammed by them and are getting a report from their credit despite never receiving a letter email or any correspondence. I would like this removed off my credit report thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I received information that fraudulent accounts were opened in my name. I contacted XXXX and XXXX agreed and removed this account. I have four separate bank accounts listed on this report all from TD bank. 
All TD checking accounts opened XX/XX/XXXX showing {$310.00} charged off, XX/XX/XXXX showing {$420.00} charged off, XX/XX/XXXX showing {$270.00} charged off and XX/XX/XXXX showing {$460.00} charged off. 
I disputed this with XXXX, sent police report and the copy of FTC complaint but TD refuses to not only remove it but even speak to me about it. When I call I get sent to many different departments all of which transfer me - no one knows who I should speak to. If I go to the branch they say they can not help me and to call. 
I need these removed, and an explanation as to how four accounts can be opened!!
Product: Credit card or prepaid card

The balance you are reflecting is not correct. I made a settlement payment of {$200.00}. Your email clearly states this settles my balance. My balance should be reflected as {$0.00}. Your e-mail is as follows : About your account ending in XXXX On XXXX XXXX, 2020, you made a settlement payment of {$200.00} towards your initial balance of {$480.00}. We are happy to confirm that this payment settles your balance. 

The last sentence clearly states this payment settles my balance. Which means, I no longer have a balance. My balance should be {$0.00}.
Product: Credit reporting or other personal consumer reports

I woke up today to find errors on my credit report, and Im devastated because I dont know how this happened. Ive always been diligent about checking my report, but now there are accounts I dont recognize. I even refreshed my browser multiple times, praying it was a glitch, but the inaccuracies remain. Im pleading with you to verify the documents Ive provided so I can stop living in constant fear of these mistakes.
Product: Checking or savings account

Hello- My checking account ending ending in XXXX was closed and charged a Force-Closed account fee of XXXX all while incurring XXXX in monthly charges as well. I am a credit card customer of US Bank and the account is supposed to be fee free. Well they put me in the wrong checking account so I was being charged a fee. When I pointed out there mistake they said I would have to pay the monthly charges on the account before the would close it an reopen the correct checking account that is fee free being a credit card customer. I refused and said it was not my fault. So instead they closed my checking account and was charged XXXX as a " Force '' fee. This is like XXXX XXXX opening up accounts for customers that they didn't need in the first place.
Product: Checking or savings account

On XX/XX/XXXX I received an email from Chase We're thanking you with an up to {$900.00} offer! When you open a new Chase Total Checking account and new Chase Savings account with qualifying activities. The email provided the code but stated Coupon code applied when you click Open an account. On XX/XX/XXXX I opened both accounts online by clicking on the link in the email and received a confirmation email. By XX/XX/XXXX I have satisfied all the requirements but havent received a bonus. I called Chase on XX/XX/XXXX, and was told that I have satisfied all requirements for the bonus and the case will be investigated ( given ticket XXXX ), I should hear from them within a week. I havent heard and called back on XX/XX/XXXX, when I was again told the case is still under investigation. I missed a call from Chase on XX/XX/XXXX. They left a message to call back XXXX at XXXX, ext XXXX. I started to call immediately and called multiple times, leaving XXXX messages. I also left a secure message on Chase website in response to their message, explaining the case and attaching screenshot of the email I've used to open the accounts. Being unable to reach the designated Chase associate, I called a general Chase line on XX/XX/XXXX and was told that the case was closed because Chase never heard from me. I explained that I had called multiple times and two Chase associates XXXX and XXXX told me they reopened the case as XXXX and I should expect a phone call from Chase. On XX/XX/XXXX I received a call with a voicemail to call back XXXX at XXXX, ext XXXX. Since XX/XX/XXXX I again called 5 times at different times, leaving several messages but still unable to reach them. I feel that Im intentionally ignored by Chase in order not to pay the bonus.