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

Here we go again with Equifax openly admitting to Placing fraud on my credit report. First of all my wallet had been stolen in my wallet was my social security card, drivers license and email addresses. Additionally my postal address had been forwarded and I have recently corrected these issues including getting my email addresses correct. EQUIFAX has already been notified and has received law enforcement documentation and FTC Identity Theft Affidavits for each account that has been mentioned and discussed as fraud. Equifax deleted these fraudulent accounts to comply with the FCRA laws since they have been notified of fraud. I then check my reports today and see EQUIFAX has placed one of the accounts that I never applied for and already marked as fraud BACK on my equifax report. Again these are FRAUDULENT. I am a victim of Identity theft, you have received documents from Law enforcement agencies. You have received FTC Affidavits explicitly explaining the crime and how i became a victim. By Placing fraudulent information on someones credit report and not advising the consumer you are placing this fraud knowing its fraud is against the law. 

You placed an account for XXXX XXXX which I never applied for back on my credit report. Again this account is fraudulent, This account was already deleted. You have the amounts incorrect, you have the account numbers incorrect XXXX has already been notified this was fraud. This was applied for with an address I have not ever lived at. They advised me the last payment made was from a " XXXX XXXX '' Which I have never been associated with. I want this account blocked from my file immediately. You can't place fraud back on someones credit reports especially when this account was already listed in my previous FTC Reports i have sent to your agency.
Product: Mortgage

This was a XXXX XXXX XXXX that was purchased by Specialized Loan Servicing with escrow in place for taxes and insurance. Specialized Loan Servicing let my hazard insurance expire for several months after become due, then charged me for lender placed insurance at almost three times the expired policy rate without notice. Then after I purchased my policy they added the prorated amount paid to my escrow increasing my monthly payments by over 25 %.
Product: Credit card or prepaid card

this is unacceptable its not my mine fault, they need to take that up with XXXX XXXX XXXX how can you hold me liable for another bank error cfpb violation
Product: Credit card or prepaid card

Comenity Bank for XXXX has claimed since XX/XX/2022 that they have been going through a system update. Said update has caused errors trying to make payments as well as no statements generating. I have not received a monthly statement since XX/XX/2022 and no one knows when the " system update '' is going to be finished or fixed or whatever is going on with it. Blatantly not sending statements to your consumers is a major problem. Not having a working system to make payments is a major problem. Telling your consumers that you do not know when it will be fixed when it's going on month 4 is a major problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice To Cease And Desist I refuse to pay XXXX XXXX XXXX, XXXX XXXX XXXX and DEPT OF EDUCATIONXXXX alleged obligations on my credit file because I have not signed a binding contract with the persons listed below. secondly if there is a contact binding me to any person listed below the signature is fraud and was not signed with my own hand. thirdly the persons listed below is reporting unverified information on my credit file with extortionate intentions to blackmail me into paying a alleged debt not owed to them there conduct is a violation of 18 U.S.C 894. Lastly i never gave the persons listed below written permission to use my personal information. the use of my personal identifying information was obtained by Aggravated Identity theft wherefore there conduct is a violation of 18 U.S.C 1028A. 
If this credit reporting agency continue to report these accounts you admit to be conspiring to the crime committed by the persons listed below. FTC identity theft affidavit enclosed. 
XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$6600.00} XXXX XXXX Balance : {$4400.00} XXXX XXXX Balance : {$6300.00} XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my concern regarding the improper use of my credit information associated with my account I have recently reviewed my credit report and noticed several discrepancies that I believe constitute improper reporting. Specifically, I found inaccuracies such as, e.g., incorrect account balances, late payments that were actually on time, or accounts that do not belong to me ]. These inaccuracies are affecting my credit score and my ability to secure loans or credit, which is concerning. 

Additionally, I am concerned that my information may have been accessed without my authorization. I would like to understand how my information was used and whether it was shared with any unauthorized third parties. 

I kindly request that you conduct a thorough investigation into these matters and provide me with an update on the status of my credit report. Furthermore, if any unauthorized access or use of my information is confirmed, I would appreciate details on how you plan to address this issue. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit card or prepaid card

I needed an increase in my credit line to make a new purchase. After speaking to the salesmen at the store they caked the creditor to request the increase. I got on the phone and answered security and income info and was instructed to give the phone back to the salesmen. A few minutes later oom told the increase was approved and i made the purchase. I got my current bill and it said i was overdrawn by almost XXXX dollars. When i called the company they asked me if it was a temporary or permanent increase. Considering i requested an increase in my line of credit it should've been permanent. They had no clue. And after being put on hold multiple times they say " it must've been temporary ''. Not one time during the request for the increase did Anyone day it would be temporary.
Product: Consumer Loan

I agreed to have an ach payment from my checking account on XX/XX/XXXX and they drafted the payment on XX/XX/XXXX which caused my account to become negative i sent screenshots to them and they said they would take care of it, I adviced them because of there mistake and the ripple effect of other bills taken out of the same account that i needed sometime to get my affairs back in order. They harrassed me about the payment and asked have i ever made a mistake. I then emailed them a Cease and Desist as I would be contacting a lawyer for advice. They are still calling, texting and emailing me still.I have voicemails and emails if needed
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an erroneous credit data but I have an ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this issue in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable in case of your willful noncompliance : Experian : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Please note that you have 4 business days to remove the reporting of any information in my credit file that resulted from an erroneous credit data. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be  errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX   USA DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX   USA DPT ED/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX/XXXX XXXX XXXX   USA DPT ED/XXXX
Product: Credit card or prepaid card

I received a credit alert that my Kohl 's account was 30 days overdue. 

This was the explanation I received from Kohls : My billing cycle begins on the XXXX of each month. Two payments were received in XXXX. One payment was received on XX/XX/XXXX. Second payment was received XX/XX/XXXX. Because second payment was marked XX/XX/2020, it was not counted towards the XXXX billing cycle, thus making my account 30 days past due. 

PAYMENT OF {$40.00} WAS MADE ON XX/XX/2020 Therefore, that payment should of counted towards my XXXX billing cycle. 
Therefore, my account has never been 30 days overdue. 
Therefore, Kohls report of my account being 30 days late in XXXX is inaccurate and should be deleted. This single blemish affected my scores by up to 80 points and has caused me to get denied from a personal loan I very much need during this pandemic. 

I have spoken to several different representatives at Kohl 's. Two of which told me someone would contact me to gather the evidence I had that I in fact did make a payment for XXXX billing cycle. I did not err by making a payment one day too early. I knew specifically to date the payment for the XXXX. I have an email verifying payment was scheduled for the XXXX of XXXX and a copy of bank record confirming a withdrawal on the XXXX of XXXX by Kohls. No one contacted me. Instead, I received a letter stating that after looking into my dispute, they deem their reporting valid. After a divorce, and being a single mother to XXXX  children, building and maintaining good credit standing has been one of my top priorities. I know the billing cycles of each of my credit cards. 

ATTACHED : PDF of bank records showing amount withdrawn on XX/XX/2020 for Kohls PDF of  Email verifying amount to be withdrawn on XX/XX/2020 PDF of bank records showing amount withdrawn on XX/XX/2020 for Kohls PDF of payment history showing payment posted on XX/XX/2020 and XX/XX/2020 Why would this company choose to post a payment the day after payment was withdrawn from account, but then on that same month choose to post a payment the after payment was withdrawn from account knowing it would incur a late fee? 

Are Kohl 's profit margins so slim that they have to nickel and dime their consumers during this Pandemic? During such trying times in which there is so little job security credit is so important. Now my credit score is suffering because a company, despite my multiple statements telling them I can provide bank records, decided I paid my monthly bill one day too early.
Product: Checking or savings account

I have been trying to transfer my deceased fathers cd from Citibank for over 1 year. After meeting ALL of their requests for access to account, they did not follow my specific instructions and proceeded to make the final check disbursement to XXXX of XXXX XXXX instead of XXXX XXXX as instructed.
Product: Debt collection

Nursing home where my mother was staying is trying to collect a debt that she owes from me. I am her daughter but did not sign her into the home nor do i have Power of Attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the 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 Account Name : XXXX XXXX XXXX Account Number : XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX  Account Number XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX 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 1681 C. ( 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 crimes which antedates the report more than seven years. 


15 U.S.C 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint has been sent numerous times already that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

i recently reviewed a copy of my consumer report and noticed LVNV Funding LLC has committed identity theft and gained access to my credit profile without my permission. LVNV Funding LLC is attempting to collect a debt that was a result of identity theft, This Debt was attached to a XXXX XXXXXXXX card that i did not open. XXXX  XXXX sent me a letter on XX/XX/year> saying that account would be removed. I have attached that document for immediately deletion.
Product: Debt collection

XXXX XXXX XXXX has taken legal action without attempting to agree on payment plan or settlement agreement. I have requested to speak to the person in charge of wage garnishments and I have been ignored. Plus, I have been threatened to pay the bill in full without a chance to reverse the wage garnishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a freeze on my Experian credit report on XXXX XXXX and was advised by the automated system that I would be emailed a new PIN. I did not receive an email and have tried for the past hour today ( XXXX XXXX ) to reach a live customer service representative to find out where my email is. The Experian system will not allow one to speak to a customer service representative ; the system says that live representatives are only available " in limited circumstances '' ( which are not described ) and will not put the call through. I've tried several contact numbers and gotten the same feedback. Not helpful to consumers!
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 at XXXX est I received an alert from XXXX XXXX and an email from XXXX stating I had a hard inquiry from SYNCB/Sam 's XXXX  ( Hotel and Travel ). I did not iniate this inquiry and contacted XXXX. I placed a freeze on my account and was told I need to get a report from the FTC and write a letter to have the inquiry removed. 

I spoke with a rep at Sam 's credit and my ssn was searched and no record of an account or application. Rep said they will file a dispute with XXXX XXXX to have it removed and I will recieve within 30 days.
Product: Checking or savings account

On XX/XX/XXXX Chase Bank claims that I was in XXXX XXXX California and that I went to a merchant who they're saying is named XXXX XXXX  and I used my chip in my debit card to spend {$68.00}. Now they claim that they're investigation shows that the chip was used so that's enough for them. However there are no other charges made in XXXX XXXX California there are no tickets that I purchased that took me to XXXX XXXX California there are no hotels no restaurants no XXXX nothing that would say that I was in XXXX XXXX California at the time of this purchase. They are also claiming that even though my chip debit card was used for some reason it took 10 days to post to my account which has never happened before and does not happen with my Chase debit card. I have been lied to I have been given the runaround I've been told incorrect information and I have been told that their decision is finite and that I have no recourse. I have recordings of all of my conversations with Chase and every representative that I spoke to and they still can not explain to me how a person who was consistently making purchases in XXXX XXXX XXXX XXXX XXXX somehow flew to XXXX XXXX to make one purchase for {$68.00} and nothing else. And they also refused to close my account when I asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tiedto my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

I have a credit card through CapitalOne and recently found out that I am now hopelessly trying to pay off what I feel were hidden compounded interest charges. Unknown to me, they have been compounding interest on a few cash advance transactions made on my card. My monthly minimum payments were not being calculated at an appropriate rate, or applied appropriately to insure that the higher interest cash advances were repaid instead of a continually growing interest balance. I have now read through my statements, and it is true that the information I need to understand what is happening is provided on the statement, but it was not clear to me before and what they are doing just does n't seem right. They are only applying my payments to lower interest purchases, so now what was a small amount of cash advances has exploded into a ridiculous amount of money. Now the only way to get my cash advances paid off is to stop using my card, pay off the lower interest purchases, and then start paying off the cash advances which have accumulated interest at a significantly higher rate. It just seems to me completely backwards from how things should be, I feel like I 'm a victim of not reading the fine print carefully enough, I do n't feel like they have my back which at the very least is disappointing.
Product: Bank account or service

Today I went into a branch and spoke with XXXX XXXX [ XXXXXXXXXXXX ]. I wanted to close my TD Simple Savings Account ( Acct. No. ending in XXXX ). XXXX XXXX advised that she closed the account but I am not confident that the account was closed and that I will no longer be charged any further fees.
Product: Credit card

I have three credit cards which are very rarely used. The card in question is a XXXX Bank of America card. It has a {$1000.00} limit. I have never been late with this and usually pay ahead of time AND in full. I recently paid off over {$80000.00} on my kids loan. Our family income is over {$100000.00}. According to the XXXX credit report, everything shows OK ... yet Bank of America refuses to increase my limit ( I requested a {$5000.00} limit ). The reason for this ... we go on cruises. If I use this credit card ( which I always have the money to back it up and pay when due ) I get reward points toward future cruises. I believe that Bank of America ... where we do our banking AND my wife has her XXXX pay check direct deposited ... is discriminating against us for some reason. There is no logical reason to deny an increase to AT LEAST {$5000.00}. I tried to file a dispute on line on the XXXX site but it would not work. Your help appreciated. 

XXXX
Product: Credit reporting or other personal consumer reports

All accounts were removed and they reinstated without notification or certification, which is grounds for removal and is a violation for each one each violation is {$1000.00} and also per lol Ive asked many times to change my address to XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX because I no longer live at XXXX even though my ID still says it my mail says otherwise and theyre even sending my mail to XXXX but still wont change it