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

I did not authorize any of the following inquiries on my equifax report and I do not recognize any of them other than one
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : XXXX XXXX  keep putting this auto loan on my account. Someone stole my identity and created a fake id and went and bought a vehicle in my name. I have contacted them multiple times and they keep adding this account to my credit report. Equifax is reporting this fake account on my report. I did not authorize this, I need them to remove it from my account and stop putting it back on there. It's illegal to add false information to credit reports. 


Someone must have created a fake id and posed as me and you all keep putting this account on my credit report. I was a victim of identity theft and this account is a fraudulent account and you all keep placing it on my report. 

I have ask you all to stop placing this account on my Equifax report. You all are allowed not to lend me a auto loan but you all are violating my civil rights and I will be suing you all if you dont take this account off my Equifax credit report. I dont ever want to do business if you all dont assist people with fraudulent information and keep insisting that this account is mine. I have never had an account with you all and its illegal to keep adding fake accounts to peoples credit reports. 

Please remove this account before I contact the law and sue you all. I already submitted a identity theft affidavit and you all still wont assist me in removing this fraudulent account or I will be filing a lawsuit against you all. 

Please remove this asap. 

XXXX XXXX
Product: Credit card

I was not aware that this card was opened using my name. My first notification came when I got a statement in the mail with a balance over {$6000.00}. Over time, interest charges and late fees accrued. The balance is now over {$8000.00}. JPMC has refused to believe me that the account is fraudulent, and they will not absolve me of the balance. I have frozen my credit with the three bureaus, and filed a report with XXXX.
Product: Credit reporting or other personal consumer reports

I contacted this creditor last week and questioned about them being reported on my credit. they stated that they no longer have the account and that the account was sold to XXXX XXXX. I advised them about removing they stated it that XXXX XXXX  the account now and that I would need to call XXXX XXXX. I reached out to XXXX XXXX  and they told me hey had until XX/XX/2024 to respond. 

am writing to dispute the inaccurate reporting of an account on my credit report. Specifically, the original creditor is still reporting the account even though it was sold to a third party. This issue is causing confusion and may negatively impact my credit score.

1. Account Information : Original Creditor Name : COMENITYBANK/VICTORIA Original Account Number : [ XXXX ] Original Creditor Name : COMENITYBANK/VICTORIA Original Account Number : [ XXXX ] Date of Sale : [ unknown ] New Creditor Name : [ XXXX XXXX XXXX ] New Account Number : [ XXXX ] 2. Description of Dispute : My credit report shows the account being reported by both the original creditor and the third-party creditor. Specifically, [ comenity bank/Victoria the original creditor is reporting the account as active and closed, even though it was sold to [ XXXX XXXX XXXX XXXX This is incorrect as the account should no longer be reported by the original creditor.This account needs to be removed immediately. 

3. Supporting Documentation : Below I will provide the two Victoria secret accounts reporting as well as XXXX XXXX  reporting as well. Also the letter I mailed to XXXX XXXX  that I inquired about and they stated that they could not provide me the information when I called I also have video reposes to that as well. There is a recorded conversation as well as to I mailed. letter and did not get a response to. 

Im also requesting : Documentation from the Original Creditor, a letter or statement from the third-party creditor, a final statement from the original creditor, proof of sale, or correspondence Please investigate this matter and update my credit report to reflect the accurate status of the account. Specifically, I request that the original creditor 's reporting be removed Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and resolve disputes within 30 days. I would appreciate written confirmation once this issue has been addressed and my credit report has been corrected. To keep in mind I have also reported this information to where they were importing inaccurate and all they did was update it instead of removing. the needs to be a thorough investigation. 

I give permission for this account to be investigated.
Product: Credit reporting or other personal consumer reports

I have submitted several disputes to all 3 major credit reporting bureaus ( Experian/XXXX/XXXX ) in regards to this XXXX XXXX XXXX account and the numerous discrepancies and inconsistencies reported on this account by all 3 bureaus. I have requested verification and validity of this alleged debt from the 3 bureaus and the collection agency directly. I keep getting notifications from all three bureaus stating that the information on this collection has been " verified '' and is " accurate '' when you blatantly see the inconsistent and inaccurate items being reported on this account that I will detail. First and foremost, XXXX is currently reporting this account as OPEN! and 120 days PAST DUE, on a collection account! XXXX is also reporting a date of last payment! I have NEVER made any payment on this account as I deny it is mine. a collection is by DEFAULT late and past due. The sole fact that this collection is reporting 120 days late and open is a complete error and FCRA violation. Furthermore, XXXX is also reporting this collection as an OPEN account. Lastly, Experian is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last activity as XX/XX/XXXX. Pursuant to the FCRA I am entitled to fair and 100 % accurate reporting. These egregious errors are ruining my life and the fact that the bureaus failed to acknowledge or rectify these reporting errors and verified them as accurate is astonishing to me and I demand relief.
Product: Checking or savings account

I tried to complete online banking activities onXX/XX/2021 for my business checking account but access was denied. When I called the customer service department on XX/XX/XXXX, XX/XX/XXXX & XX/XX/2021 I was advised that my account was under review? However, I was not provided with a detail reason as to why the account was under review. I have called several times to customer service, reached out to the bank branch manager and also emailed XXXX XXXX in the customer out reach department. No one at the bank is able to tell me why my account is under review. One customer rep did tell me that over XXXX accounts were under review with the bank but no additional info was provided. My contractor/independent workers checks have bounced. I have no access to my funds to run my business and play my employees/independent workers
Product: Credit card

I applied for, and received a credit card offer from this company with an initial fee of XXXX. Within 6 months I was offered a credit line increase of XXXX in exchange for a fee of XXXX. I agreed and received the increase. One month later the company suspended my account for " suspicious activity ''. They refused to explain what suspicious activity they were referring to. I still owe a balance, which I've paid on time each month.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and North Carolina Laws Dear BARCLAYS BANK DELAWARE, I am writing to address a serious concern regarding the unauthorized reporting of information to my credit report, as protected by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), North Carolina Identity Theft Protection Act, specifically Chapter 75A of the North Carolina General Statutes.

It has come to my attention that BARCLAYS BANK DELAWARE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a necessary requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Furthermore, North Carolina state law, particularly Chapter 75A of the North Carolina General Statutes, reinforces the requirement for consumer consent for credit reporting. This legislation aims to protect individuals from identity theft and unauthorized use of personal information.

I assert with certainty that I have not provided consent for BARCLAYS BANK DELAWARE to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights and could potentially damage my creditworthiness, in clear defiance of federal and state laws.

I demand that BARCLAYS BANK DELAWARE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Chapter 75A of the North Carolina General Statutes. Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including North Carolina identity theft protection laws.

Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I expect immediate attention to this matter and urge BARCLAYS BANK DELAWARE to rectify these violations promptly, respecting my rights under federal and state laws.

Done in good faith.
Product: Credit reporting or other personal consumer reports

An unauthorized individual accessed my Experian account and changed both my email address and phone number without my consent, raising serious security concerns. Despite numerous attempts to recover my account by providing various personal details and prior contact information, including addresses, phone numbers, and previous email addresses, I have been unsuccessful. Additionally, efforts to sign in using my previous phone number and XXXX have failed to send verification codes to my phone, despite the correct number being displayed on the verification page. I am deeply troubled by the apparent ease with which the email address can be changed, contrasting sharply with the extensive security measures required to recover the account, which involve navigating numerous obstacles. 

XXXX Attempts : Multiple phone calls to Experian have been made in an effort to resolve this issue, but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, XXXX, and XXXX The tradeline XXXX is currently reporting fraudulently with incomplete, false, inaccurate, and unverifiable data. This is after CRA 's and one furnisher stated that the account is verified accurate and complete on XX/XX/XXXX. There are still many inaccurate data on my report. I would like this deleted immediately and update CRA 's and furnisher. If furnishers are contacted, please provide name, address, phone for this reinvestigation. If documents or data used to determine your review, please share. Basically I would like the procedures of reinvestigation for my file disclosure that pertains to me. 

1. account name : XXXX XXXX wrong : Its XXXX XXXX see attached 2. date opened : XXXX wrong : Its XX/XX/XXXX - see attached 3. The balance - XXXX : There should be no balance if original creditor transfer it. 
4. Payment is info is reporting wrong from XX/XX/XXXX to XX/XX/XXXX ( increments from XXXX  to XXXX  to XXXX  to XXXX  ) 5. status date of XX/XX/XXXX is wrong. there should be no activity after closing date of XX/XX/XXXX. 
6. i sold the house and pay off the mortgage in XXXX XXXX see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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. I need the following items be updated immediately for they are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I have requested Experian to provide me an up to date credit report for the last 2 months so I can verify that the updates that were supposed to be done were completed. Experian stated that they will send me a credit report almost 2 months ago and as of today I have yet to receive it.
Product: Debt collection

After reviewing my credit history and seeing this collection on my credit report, I had received no notice of it. The company has not contacted me. I have never received a letter informing me of the balance, nor that it was sent to a debt collector. I had no knowledge this bill existed.
Product: Vehicle loan or lease

In XX/XX/2019 we turned in a leased vehicle and started a new lease with GM.  They have incorrectly reported that I was 30 Days late on my credit report since XX/XX/XXXX. On XX/XX/XXXX they sent me a letter saying it was resolved. It is not resolved and when I try to reach GM Financial again it will not even let me file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I noticed my credit score had dropped 21 points soon after, the actual alert notification was observed. This was alarming to me as I review my score often and last looked at my score on XX/XX/2021. I was beside myself to see a 21 point drop from a XXXX to XXXX. I made several attempted to obtain from Experian a explanation as my credit file had not changed at all. I explained that this adverse action ( credit score dropping 21points ) had place me at a disadvantage position in my quest to obtain business service products to restore and enhance my business activities. 
Experian representatives was unable to see or give any reasons for the 21 point drop besides my payment that changed my revolving credit balance from {$79.00} to {$71.00}. I requested a supervisor to return my call to obtain insight from their prospective. Due to the adverse weather conditions I had not heard from anyone at Experian for a few days. 
I contacted Experian back on XX/XX/2021 at that time a supervisor advised my that my fico score with Experian was reflective of the score from fico as this is where my score came from. I was advised to contact MY FICO to see why my score had dropped. 
Upon my conversation I was dismayed to find out I was provided misinformation from Experian, the FICO representative indicated to me that they have nothing to do with my credit score dropping 21 points. The representative further indicated that Experian has it's own algorithms calculations to determine credit scores. This presented a further issue as now Experian was giving me the run arounds in this matter. I phoned Experian back and was told that FICO was whom I had to call about a matter that Experian follows FICO. I expressed my dismay and was given a number ( XXXX ) reflective of our conversation from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Caine & Weiner as well as XXXX is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt reporting on there. I was very confused as the debt is for the current insurance that I have. I have had progressive for a very long time now and have never received any noticed of any past due amount. I make my payment on time every month so I'm not sure why they are reporting a collection. This is erroneous and it must be removed. I never received calls, notices or any correspondence regarding this debt violating my 30 day right to dispute. This debt is not mine and I do not owe it and it must be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I have been working to remove 1 alleged state tax lien from my Equifax Credit Report. I have contacted the State of Indiana and obtained certified documentation that the tax lien needs to be removed from my credit report with Equifax. XXXX and XXXX both removed these alleged tax liens. I have sent the information twice to Equifax and both times it has come back verified. 1st Compliance/Validation Check - X/X/17 returned verified X/XX/2017 2nd Compliance/Validation Check- X/XX/2017, returned verified again X/XX/2017 I have included the certified letters form the State of Indiana and I would ask that you draw you attention to the detail in letters stating I have no tax liens against me in the State Indiana and they have removed these liens against me. You will also note in the compliance/validation letters I asked for documentation with my signature which I never received. It is very discouraging that a consumer can follow all process for something that is an error and follow the steps to have it removed from their credit report only to have a computer system XXXX, which is Metro 2 complaint, fail to recognize that consumer has provided all information to validate that said liens are to be removed numerous times. Also inline with the recent settlement between the credit bureaus and 30 plus state attorneys where as certain public records and judgements are to be removed if a record do not meet 3 of 4 identifiers. You will notice that both of the alleged tax liens on my report DO NOT meet 3 of the 4 required identifiers. Again a failure of the credit bureau to follow the settlement agreed to. Also I do not have an address on my credit report with Equifax or any other bureau that ties me to XXXX County, Indiana. Again, attached documents from the State of Indiana Validate that I do not have nor have I had an alleged tax lien. Thank you for your time and appreciate your time!
Product: Credit card or prepaid card

Bank of America Preferred Visa Card Dispute Department not assisting with dispute of partial charge {$220.00} of total of {$1.00}, XXXX. 

After several days after purchase date XX/XX/18 called Bank of America Preferred Visa Card Dispute Department and provided all details and needed facts and evidence provided. Charge was reversed and no follow up request from Bank of America Visa Card Dispute Department until letter received ( on XX/XX/18 ) and requesting copy of receipt instantly with demand ( by Dispute Department ) of receipt within 72 hours. Because of request to speak to supervisor about additional question was placed on hold for extended period of time- with out specking to supervisor find out if other inf. was needed.

Receipt of transaction was faxed to requested fax number same date of receipt of letter from Dispute Department ( XX/XX/18 ), with detailed description of disputed amount. 

XX/XX/18 Received letter from Visa Card Dispute Department making claim that the copy of receipt was not received. 

XX/XX/18 Called Bank of America credit card services and was told fax was received. 

XX/XX/18 Called Bank of America credit card dispute services to confirm receipt a second time and was informed that I need to go back to merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX  XXXX ( Date Opened :, Balance : {$0.00} ), XXXX - XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

I have two problems. The first one is the mortgage servicer just seems to add fees to my loan because they feel the need to. I never agreed to it and it seems to be a recurring problem for this company. They added double insurance because they didnt feel we had adequate insurance. They did fix it but it 's a headache to have to deal with it. Especially when I 've only been with this servicer for a few months. 
The second problem. I 'm in the process of doing a refi on my home loan. My loan company requested a payoff for us to fund the loan. Today, i received my mortgage statement and there is a {$30.00} fee for the payoff. I did n't authorize any additional costs to be added to my loan. Can this company just add money to my loan without my authorization?
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance and limit on my XXXX XXXX card is wrong. I called the credit bureau on XX/XX/2022 and filed a dispute for them to update their records to the latest information. They haven't responded to my dispute or updated my information. Their website still shows my old balance and limit. I tried to follow up on their website but it only shows that the dispute is " in process ''. I explained to the agent that opened the dispute that I needed the information updated expeditiously due to a loan that I'm trying to finalize. This balance and limit has already reflected in XXXX, but not in the other two credit bureaus.
Product: Credit card

Kohl 's credit card call me repeatedly everyday. XXXX times on thus far XXXX seperate occasions : XX/XX/2015 at 8XXXX, XXXX, XXXX, and XXXX ( cst ) XX/XX/2015 at XXXX, XXXX XXXX XXXX, XXXX ( cst ) and then on XX/XX/2015 at XXXX, XXXX, XXXX, XXXX, and XXXX ( cst )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a recent copy of my credit report in XXXX of 2020. Upon looking at the accounts, I've noticed some accounts reporting inaccurately and incorrectly. I disputed the accounts in hopes each of the bureaus, XXXX, XXXX, and Experian, do an investigation on the companies and verify the accounts. Since then, I have mailed letters to each of the bureaus and haven't received any responses or results back. I am very upset on how the bureaus conduct themselves and report inaccurate information that disrupt the overall well being of my life.
Product: Credit reporting or other personal consumer reports

The ExperianXXXX Credit Bureaus are reporting inaccurate information in XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 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