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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX  XXXX Balance : {$4300.00}.
Product: Payday loan, title loan, or personal loan

Ascend Financial does not have a valid contact information on their website. I have written letters and called every phone number that is associated with this company. Email is invalid and I can't seem to either get the loan paid off or removed from my report. At one time I thought I paid it off with a collection agency but don't have any information on them as I have done research to find they don't exist. This loan was for the amount of {$6000.00} opened on XX/XX/XXXX and last known payment on XX/XX/XXXX. A balance of {$4700.00} is still outstanding. I made payments of {$260.00} to an agency that I thought was applying those payments to this loan as I was told the loan was paid in full. I still find this account on my report and outstanding balance. This is their information listed on their website : ASCEND CONSUMER FINANCE, XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone # : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Allied interstate did not send me a letter for allowing me to dispute this against XXXX XXXX that they are trying to collect for! But they will try to say that they did but I never received their collection letter. This is a new trick which collection agencies are pulling to put things on your credit before they send you a letter. I didn't get a letter even after the had placed it on my credit report.
Product: Credit reporting or other personal consumer reports

Accuracy Requirement " Under the FCRA, 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy in their reporting. This account contains inaccurate or unverifiable information and must be corrected or removed. '' PLEASE PROVIDE MY SIGNATURES FOR EACH COMPANIES. If each of these companies can not please have them to remove immediately. 

XXXX XXXX ( XXXX ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX ( Auto ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX ( XXXX ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year> XXXX ( XXXX ) XX/XX/year> Dispute and Reinvestigation " Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), I am disputing this account. I request that the credit reporting agency conduct a reasonable reinvestigation to verify the accuracy of this information or delete it if it can not be verified within 30 days. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

See previous complaint submitted to Navient. THIS IS NOT A DUPLICATE COMPLAINT. The company states " We have reviewed your account and confirmed that we reported your loans in the same manner from XX/XX/XXXX through XX/XX/XXXX, as deferred, based on your Economic Hardship Deferment request. '' This is FALSE. Again, as shown in screenshots of the attached document, Navient reported each month as " On Time '' then changed it, between XX/XX/XXXX and XX/XX/XXXX. Why? I am tired of the lies. The evidence is here. Do they think we are so stupid wouldn't notice? Either update the payment history or admit that they reported incorrect information to the credit bureaus 30 times ( 5 accounts x 6 months ). Please CFPB, do YOUR JOB and force Navient to acknowledge the evidence that shows the payment history was reported " On Time '' and then changed to " No Data ''. If you don't handle this properly, I will go to Ohio Attorney General 's office to contact your agency as well.
Product: Credit reporting

XXXX XXXX agreed to remove all collections from the credit report and the reporting agency refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I used a small portion of the credit on the card for medical reasons. I am on a fixed income, they know that I was on a fixed income when I applied and they opted me into an insurance credit that I did not ask for.
Product: Checking or savings account

My debit card has been compromised.. the card has never left my posession but some how roughly XXXX dollars was used from online shopping stores. I noticed this as they were still pending. Immediately i called wells fargo to open a claim and to try to have them stop the pending transactions.. they did nothing just opened a claim.. i called back then called the merchant on XXXX way with the bank representative pleading to deny the pending charges and neither the merchant nor wells fargo did anything to prevent the processing. Couple days later wells fargo denies the claim saying that the merchant ( rebag ) had my adress and zip code and this was a valid reason to deny my claim.. i asked to reopen claim and investigate better, theu refused XXXX i asked to open another claim, they say i can not open another claim once the first is denied.. i asked what i can do, wells fargo said that at this time it is between me and the merchant.. i called the XXXX XXXX  and they wont do anything without the order number.. i said i dont have an order number because i didnt nake the order.. they then told me to dispute it with wells fargo.. and the circle goes round and round.. i jave had XXXX XXXX calls to wells fargo in less then a week.. for them to deny this case and give me no reason besides the merchant new my adress and zip code, is disgusting, unbelievable, disturbing, heartbreaking, sickening and devastating. My card goes into fraud once a week for simple XXXX XXXX XXXX dollar purchases but just XXXX of these fraudulent transactions was almost XXXX dollars.. my limit per day is only XXXX but somehow almost XXXX goes in few hours.. they say they base investigations on spending habbits.. i yave never soent this type of money in a day in my 15 year history with wells fargo but yet on this specific day not a text an email or any other type of alert.. as i stated wells fargo was notified within hours while the charges were in early pending stages, and showed no desires to care to help me.. so sad hurt disappointed and angry. That this is how i was treated .. all calls are supposed to be recorded id love for you all to hear how i have been mistreated
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Mortgage

In XXXX 2015 I was shopping for my XXXX mortgage. I was negotiating with several lenders. XXXX XXXX, then with Prospect Mortgage, matched an offer from another lender - 20 % down and 3.125 % rate. 

When I started reviewing the initial paperwork, the numbers looked incorrect. I mentioned to XXXX that I did n't expect to have to bring as much cash to close as the paperwork suggested. XXXX reiterated over and over that lenders are required to overestimate, that the actual amount at closing was going to be significantly less. 

I continued to express concern with the numbers, but she was incessant that I sign - I would see later, she said, that the amounts went down. Being a first time mortgage client, I ultimately gave in and signed. 

I later discovered that XXXX was quoting me numbers with 25 % down rather than 20 %. By this point, I had no choice but to stick with this lender ( otherwise I would have lost the contract on the property ). In order to receive a loan with only 20 % down, I was forced into a loan with a higher rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support your claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for the " free '' account with Experian and then tried to cancel. You can't cancel online, I got disconnected by phone, so I emailed them on XXXX XXXX, XXXX asking for full cancellation. I am being charged $ XXXX for a service I don't want and didn't ask for. 

I tried calling again tonight, XXXX XXXX, XXXX, and after taking my social security number and birthday, they said they couldn't see the charge on their end and needed my credit card information, which I didn't want to give. I called my credit card company and filed a dispute today, but they said they couldn't end the monthly charges. So I called Experian again, went through the phone tree, and the message was " you have a free account, goodbye. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, FL XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On these dates listed below I had unauthorized credit inquiries from the following companies on the following dates XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX CO XX/XX/22 XXXX XXXX XXXX  XXXX/XXXX/22 XXXX XXXX XXXX/XXXX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX/XXXX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX  BANK XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX  BANK XXXX XXXX XXXXXX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXXXX/XX/22 XXXX XXXX22 XXXX XXXX XXXX XXXX/22
Product: Credit card or prepaid card

I own a Bank of America Travel Rewards Card and I redeemed some points available booking a trip directly with their Travel Center. 
Unfortunately the airline ( XXXX XXXX postponed my connecting flight, forcing me to stay inside the airport for 11 hours. 
Due to Covid restrictions it would be a nightmare to spend 11 hours inside an airport and I decided to call Bank Of America Travel Center to discuss a flight change ( XXXX offers it for free until XX/XX/21 ). 
I've been trying for two weeks now with no luck. 
There is only one number available with several hours long waiting time. 
I scheduled a call back and after missing some calls because they tried multiple times to call me back after midnight, I managed to speak with a representative. 
The first operator does not know anything about travel systems, change and cancellation policies and both times I had the chance to talk to them, they tried to pass the phone call to the " Support Center ''. 
Both times operators of their Support Center were not available so they scheduled a call back between 24-48 hours. 
I opened two cases and both times I never received a call back. 
This is not how a Travel Agency should operate. 
I'm stuck with a flight that doesn't work for me anymore and I have no possibility to change it or cancel it even though both services are available and free during Covid. 
This is absolutely an unfair practice to the consumer.
Product: Credit reporting or other personal consumer reports

I was called from the Capital One fraud department on Saturday XXXX saying that someone was opening a credit card/account in my name. I told them it was not me, and they closed the application stating as 'fraudulent '. 

On the same day XXXX XXXX XXXX, I placed a 1-year fraud alert on my credit report through XXXX. When I saw my credit report I noticed that on XXXX a company known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) did a 'CONSUMER REPORT VIEWS/SOFT INQUIRIES '. 

I do not recognize XXXX XXXX XXXX. I believe this is fraud.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX- This is not my correct address. Remove it immediately from my credit report. 

2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX- This is not my correct address. Remove it immediately from my credit report. 

3. 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 XXXX XXXX Account Number : 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 make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of cr
imes 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 to any 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

I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request mat mis account be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX in credit company complaints me, because I have not paid, the amount is {$1100.00}, and close my XXXX XXXX XXXX account, and in XX/XX/XXXX updated complaints, Most importantly, from XX/XX/XXXX to XX/XX/XXXX, I  have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX XXXX XXXX, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX - XXXX XXXX - XXXX
Product: Money transfer, virtual currency, or money service

Venmo is the sickest company you can possibly use for any kind of currency!! We are a family that has a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX at XXXX XXXX Venmo froze our account with over {$5000.00} in it. This money is to get us to the next stage in the XXXX XXXX XXXX We have called these heartless people over every other day and have sent in XXXX emails. The furthest we get is getting someone on the phone after XXXX XXXX a XXXX times just for them to sit there and lie to us. Everyone we have ever talked too knows XXXX well this account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Every email we have sent has explained that. And every person we have talked too has said they were going to EXPEDITE the account. Which is a XXXX lie. They tell us that to unfreeze our account it has to be from higher up and theres no way of communication besides email.. THEY HAVE NEVER EMAILED US BACK ONCE!!! These are the sickest people i have ever done business with. And i well let them know that whoever comes across this account and does not take action for us well XXXX day face some serious carmic debt. It just down right disgusting. MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WE NEED OUR MONEY FROM THESE SICK PEOPLE!! Every thing about the account shows it is for my little girl! They also told us the account hasnt been hacked because his computer screen would look different but cant tell us what happened to our account! Disgusting! We need this resolved asap please!!! We are begging you to help!!!
Product: Debt collection

On XX/XX/23 Net credit reported to XXXX and XXXX an outstanding debit of {$8300.00}. On XX/XX/23, a payment of {$8300.00} was submitted to NetCredit via debit card, over the phone with NetCredit agent, to satisfy the debt. Monies have cleared my bank account and have not been returned by NetCredit. A dispute was submitted to XXXX stating debt was paid in full. According to XXXX, on XX/XX/23 NetCredit reported the debt as still outstanding and my dispute was closed stating amount still owed. I spoke with NetCredit rep XXXX on XX/XX/23, he stated he would note account with my concern and credit bureau shouldve been notified of change.
Product: Money transfer, virtual currency, or money service

Bank of America had an issue with XXXX and stated that they placed a hold on my account for {$140.00} XXXX transfer, Everyday I call they tell me its going to be In tomorrow. No one can tell me the reason there is a hold except some generic excuse that doesnt make sense. The transfer was sent on XX/XX/14 and it is now and I have not received the money. It has been taken out of the account of the person that sent it and marked complete. I do not understand why no one in the company is able to release the money. The money is just out in space waiting they dont have to clear another bank the money has already been taken from the account. The customer service representatives were unhelpful and didnt give a clear answer as to why just a generic answer. They say I was told 1-5 business days but my account clearly says 1-3 business days.
Product: Debt collection

I was in a motorcycle accident and had to go get a XXXX. I was not supposed to be charged this copay at all ; but was due to a clerical error. As I was unaware of the mistake the billing company made and so it was sent to collection. I sent the collection agency a copy of the statute proving I should not have been billed and a letter asking them to verify the information over a month ago. They never replied to me. Instead of removing the information from my credit report as they are required to do un der the FCRA ; they changed the creditor name to N/A. They are also reporting the same XXXX dollar copay XXXX times ; each off by a few dollars a few digits in the " account '' number they reported. Their XXXX and only motive for doing this is to cause my credit score to drop and to harm me. I am happy to send you copies of the correspondence if this helps in your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report.