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

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$430.00} ; XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 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

My Capital One card was due to expire on XX/XX/XXXX. I was away on vacation in XXXX XXXX FL for my Anniversary in XX/XX/XXXX was using my card up until it expired in XXXX. I waited about 3 wks & I contacted them after I had made a XXXX payment on a XXXX credit limit, statement online said I had available balance but when I made a charge it was declined, when I called the company the 3rd week of XX/XX/XXXX they said they had sent another card to me & verified my mailing address & they closed the card I should have received, then they said it would take 7 to 10 days for me to get the new card. I waited 9 business days still no card came. There is a authorized user on my account who has a card of their own which also has expired & not replaced. I called again spoke with a rep that was able to research further & find out that the company placed a block on my account to not allow a new card to be mailed even though its expired, due to another account that was charged off over 8 yrs ago which is over the statue of limitations. My current capital 1 credit card is not past due is in good standing not late, nor closed by me or the creditor, in fact I have paid the entire balance of XXXX. I am being charged interest on a account I am not allowed to make purchases with & now has been paid in full but only interest is due, my authorized user has no legal obligation to the charged off account 8 yrs ago why are they penalizing them & not sending them a new card. Why is this company charging me fees for a card they will not allow me to make any purchases on & the balance was paid in full.
Product: Prepaid card

On my edd card I had someone use all my benefits prior to me ever receiving the card. I filed a claim well over a year ago and was lied to by Bank of America saying they filed a claim for me. A year goes by I never hear from the bank so I call only to find out I was lied to over a year ago and a claim was never filed. So I been waiting well over a year for something they lied to me about. Bank of America had been sued for this by people already and a federal judge ordered them to take claims more seriously and they flat out lied to me about even opening a claim. This has put me in a serious financial situation and Ive reached out to them to re open they said they did however today is the 10th business and I still havent gotten my provisional credit. I feel it is so wrong and illegal what they did.
Product: Credit reporting or other personal consumer reports

IQ DATA INTERNATIONAL placed a false collections on my credit report stating I owed {$230.00} to the company XXXX XXXX XXXX XXXX This information is incorrect. I have receipts to prove I paid my move out costs to these apartments on XX/XX/XXXX. I contacted XXXX about it and they stated I they applied that {$230.00} to and old account I had from XXXX for a past due amount of {$430.00} dollars. I informed them that had been pain which the said was incorrect. I called IQ DATA INTERNATIONAL the debt collectors, explained the situation and request a copy of the Receipt of the {$430.00} I paid XX/XX/XXXX. I was told they wouldnt send me a copy of the receipt until I paid the owed balance of {$230.00}. Even after explaining the situation multiple times. I eventually found my receipt of the {$430.00} payment on XX/XX/XXXX and sent it to XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, I purchased a large farm mower from XXXX XXXX. Approximately {$11000.00} was financed with XXXX interest for 48 months, through TD XXXX XXXX XXXX. After 2 years of regular monthly principal payments, a payment happened to be due on a banking holiday. Our bank 's online bill payment service sent the electronic payment through on the business day immediately following. Unknown to us ( because the principal payment was made automatically by our bank each month ), a late fee was charged to the account, and then another one was charged the following month, not for the principal payment on the purchase, but on the late fee which remained unpaid. We contested this strongly with the creditor since it is an accepted policy stated on this web site that such an act is predatory XXXX XXXX XXXX XXXX ). We also approached XXXX XXXX, and even asked our bank to get involved since they were in charge of the transfer of funds on the business day after. TD RCS refused to remove the fees, and instead kept adding more fees for each month they weren't paid. All the while, we were making principal payments to our purchase as scheduled. After about 6 months of repeated calls to the creditor, we paid the full principal balance and closed the account. At this point the fees were up to {$290.00} and listed on our bill under late fees. 
One month after closure, the creditor transferred the {$290.00} balance to the principal column and continued to bill us as if we had made a new purchase, also adding a new late fee each month. Letters were sent and calls were made to no avail. Eventually we stopped receiving bills. Several months later a debt collector contacted us, attempting to collect {$440.00}, which had now accumulated in response to that one banking holiday. When I explained the situation and forwarded the letter that I had provided to the creditor months before, the debt collector ceased all attempts to collect. We thought that was the end of it as it was over 2 years ago and over a year after the account was closed ( bank holiday in fall of XXXX, account closed XX/XX/XXXX, debt collection XX/XX/XXXX ). 
Fast forward to XXXX when my credit is checked for a pending real estate purchase, and this {$440.00} is still showing on my credit report as a bad debt. Given that I paid the principal balance well before the end of the XXXX interest terms, I owe XXXX debt to TD RCS. I have disputed with all XXXX credit bureaus and been turned down by all XXXX in spite of XXXX pages of documentation on this issue. TD XXXX continues to lie about their predatory practices even when presented with evidence provided by me to the credit reporting agencies. In addition, the dates are incorrect on the credit reports, meaning the " charge-off '' will not disappear in XXXX but in XXXX ( or later, if they continue to report it as current ). Untold damage has been done to my credit for something which was not even a mistake, but a normal banking practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm unable to open an investigation into some negative remarks on my credit report with TransUnion. There is no contact information, the guide to submit a dispute states there are options that are missing on their form to submit a dispute. The website only leads to paid account signups, I had to use a search engine to find the right page to even try to submit a dispute. 
I am unable to have the false negative remarks even investigated by TransUnion. 

Background information :. I've been able to open investigations and Ultimately clear negative remarks that shouldn't exist on my report with the other two major credit reporting agencies ( XXXX and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently found out I have been a victim of identity theft, someone stole and fraudulently used my information to open accounts without my permission and knowledge. The following accounts are sed accounts opened under a fraudulent application. 
On Experian : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX US BANKRUPTCY COURT Opened XX/XX/XXXX On XXXX : XXXX Opened XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX On XXXX : XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX U.S. BANKRUPTCY COURT Opened XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian should not be reporting a collection in the amount of {$7000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection is totally unsubstantiated and there is no documentation to show this account belongs to me. I spoke directly with the manager of XXXX XXXX XXXX several times and we discussed the fact that I do not have an outstanding balance due. The manager said that my file has been locked up for the past ( 3 ) years and that he has no access to the file. I have repeatedly requested they  provide me with documentation to support their claim that I owe this sum of money. They are unwilling to provide me any further information because there is no information to provide. It is against the law to falsely claim someone owes money when the company requesting the money has no documentation and/or evidence to prove who the account actually belongs to. This false reporting of a collection/chargeoff, that does not belong to me, is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I've obtained a copy of my consumer report on the date of XX/XX/year> that is reporting numerous inaccurate negative accounts. this has not only damaged my right to extend credit, but it has made me loose hope and trust within the banking system. I have been denied for credit cards and home loans because of this. Not only has my character been defamed, but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that you company has ASSUMED this VITAL role pursuant to 15 USC 1681 ( a ) ( 3 ). Also, your company failed to be fair and respect my right to privacy according to 15 USC 1681 ( a ) ( 4 ).

I am requesting valid proof and documentation that these negative items where investigated fairly and properly. Also please provide me with the system and details your company uses to determine if transactions took place or not. you company is in violation of several federal laws including the responsibility you have to protect my privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have 36 inquiries reporting on my credit report on Equifax that are without a firm line of credit. I have circle all 36 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them.

The FCRA Law require everything on your credit report to be accurate, valid and complete. These 36 inquiries should not be reporting on my Credit Report.
Product: Checking or savings account

On XX/XX/XXXX US BANK I had a balance of XXXX I made a transaction in the amount of XXXX and XXXX reducing my balance to XXXX. On XX/XX/XXXX with a balance of XXXX I was charged a over draft fee of XXXX twice bringing my balance down to XXXX. On XX/XX/XXXX there was a debit charge of XXXX bringing to to a negative balance of XXXX. I called the bank to dispute charges claiming I had a positive balance and the customer service rep told me that my charge of XXXX was pending prior to the XXXX and XXXX. I requested to dispute charges advising even if the XXXX was pending funds where positive and should have covered the XXXX and the XXXX the rep could not explain how all 3 charges was returned and refused to remove or dispute charges while submitting a complaint I also occurred a extended overdraft fee of XXXX bring my balance in fees to XXXX
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$170.00}. 

Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered itXXXX  Total fraudulent amount : {$720.00}.
Product: Vehicle loan or lease

A few days prior to the repossession, I reached out to Santander to explain that I had begun working again and was prepared to address the past-due balance on my loan. However, each time I called, I was either given the runaround or my calls were disconnected. On the day of the repossession, I tried several more times to resolve the matter, but again I encountered unhelpful responses, with representatives insisting that I pay the full loan balance. I explained my recent hardship and shared that I am now working and able to pay the overdue amount, but was not offered a reasonable path to reinstate the loan.
Product: Checking or savings account

Tried depositing checks into my account. The ATM froze and crashed in middle of the transaction, holding my checks. 

Bank can not start a claim or issue a credit without me telling them the amounts on the checks. I dont have the amounts because they re stuck in the ATM. 

Now I dont have my money or checks, bank refuses to help me in any way. 

ATM ID XXXX or XXXX. 

Happened XX/XX/2023 in XXXX XXXX at XXXX XXXX XXXX location.
Product: Debt or credit management

I was told I could apply for a low interest loan, after talking to a person I was notified by Northstar Legal Group that a debt consolidation was what I needed to do, a notary public was sent to me to sign papers. I was told I had to pay {$300.00} a month, I was told they would handle everything. They said in 2 to 3 years I would be debt free. 
Now I am being sued by XXXX  XXXX XXXX, XXXX XXXX  is now in a collection agency and none of my cards have been paid down. I have paid Northstar Legal group {$3300.00} and nothing has been done. Now I found out that XXXX XXXX has sued them for swindling over {$100.00} XXXX from families struggling with debt. I would like my money back so I can pay my credit cards. please help me. I'm now going to have to try to get a loan with damaged credit!
Product: Mortgage

Our escrow didnt get paid properly by this company and we tried paying it twice, our payment got reversed causing it to be a late fee. We tried paying our escrow completely with what we owed, but they refused to apply it to the escrow balance and increased our mortgage rate due to the money owed escrow despite us trying to pay it in full.
Product: Credit card

Problem with bank producing evidence of a contractor filed a certificate of completion to have the funds released who has claimed he has finished his job and collected from a credit account # XXXX -- XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting 2 credit card accounts as " Card Over Limit ''. One of these is a XXXX XXXX and the other is a Citi Bank Card. I have contacted both XXXX and Citi Bank and both of these banks have told me that neither card is " Over Limit ''. Both cards are currently at their limit, but not " Over Limit '' and both banks have told me they are not reporting the cards as " Over Limit ''. My credit score has crashed from XXXX to XXXX in the last 30 days. I have contacted XXXX  and they are doing nothing to correct these errors.
Product: Checking or savings account

On XX/XX/, I contacted someone to purchase a product, I was told to send it through family and friends on XXXX. When I sent the {$52.00} to him he stopped responding. I've been trying to get in contact with him for the last 10 days but I have received no response, furthermore he won't even issue a refund back.
Product: Checking or savings account

I need to grant access to an outside party to verify my account once I Sign in with my username and password
Product: Credit reporting, credit repair services, or other personal consumer reports

My 2015 XXXX XXXX lease was ending I returned the lease XXXX XXXX, 2019. My car was never repossessed. Honda financial services has reported the car as a repossession. I have made several phone calls to Honda financial and filed 3 disputes with XXXX regarding the matter. I have been trying to get this issue resolved since XX/XX/XXXX2019 and it still has not been resolved. I spoke to XXXX from Honda financial XXXX/XXXX/19 and was faxed a letter stating the repossession has been removed but accordning to XXXX, Honda financial is still reporting it as a repossession.
Product: Debt collection

I never had a XXXX account, never was I notified for credit check to purchase a phone or open a account with XXXX. 
There is no acquisition of a credit check from XXXX. 
It is implemented when there is a credit check I would be contacted to verify it. 
I am a victim of identity theft fraud. 
Debt collectors need to be aware of this matter of fraud accounts.
Product: Credit card or prepaid card

On XX/XX/XXXX I submitted a dispute for the charge on XX/XX/18 from the XXXX XXXX in the amount of {$410.00}. Included with the original dispute as well as the redispute filed on XX/XX/18 was an email directly from the merchant prior to checking in agreeing to honor the lower advertised price of {$100.00}. However, the hotel chose to charge me 4x the amount agreed upon.

I filed the dispute originally only days after the initial charge and again a few months after the initial charge, well within the legally allowed timeframe. Yet on XX/XX/XXXX Chase sent me a letter stating the allowed timeframe to file the dispute had passed and they considered the charge valid. 
Thus Chase did not properly investigate or provide a valid reason for denying the dispute as required by 15 United States Code 1666
Product: Credit card

I am disputing the collection account with NATIONAL CREDIT SYSTEM, account number XXXX dated XX/XX/year>, with a balance of {$2000.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that NATIONAL CREDIT SYSTEM, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus on XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide with the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$25000.00}
Product: Credit card

My Robinhood account was hacked, with the company themselves admitting to a database breach, the hacker ordered a debit card provided by Robinhood and proceeded to withdraw all the funds in my account to the debit card while locking me out of my account and changing passwords. Ive messaged and called Robinhood for exactly 30 days and once they got back to me they refused to give me any information and refused to reimburse my stolen money of XXXX XXXX 
After getting back into the account I saw some of the local purchases thief made
Product: Credit reporting or other personal consumer reports

Identity Theft Victims Complaint and Affidavit In Reference to Experian Credit Report Dispute XXXX XXXX C/o XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Whom It May Concern at Experian : I, XXXX XXXX , the undersigned Affiant, hereby declare under penalty of perjury that the following statements are true, correct, and complete to the best of my knowledge and belief : 1. Unauthorized Use of Personal Information I did not authorize any individual or entity to use my name, Social Security number, or any personal information to obtain money, credit, loans, goods, or services, or for any other purpose. Any accounts or inquiries associated with my name that I did not initiate were established through fraudulent means.

2. Identity Verification I am prepared to verify my identity using the following documents, which I have attached to this affidavit : A copy of my Passport ID A copy of my Social Security Card A recent Bank Statement showing my current address to confirm proof of residence XXXX. Inaccurate and Fraudulent Information The following accounts were fraudulently opened or linked to my identity without my authorization. I request that these accounts be immediately removed from my credit report : XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX ( all associated accounts ) 4. Unauthorized Credit Inquiries I also request the removal of the following inquiries, as they were conducted without my consent and are the result of identity theft : N/A 5. Incorrect Address and Employment Information The following addresses and employment information are incorrect and were likely used fraudulently. Please remove them from my credit report : Address : XXXX XXXX XXXX, XXXX, PA XXXX Address : XXXX XXXX XXXX XXXX, CT XXXX Employment : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. FTC Identity Theft Report I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ). The report number is XXXX, and a copy is attached to this affidavit as further evidence of my claim.