23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX Account : Date : XX/XX/XXXX Issue : An account with XXXX XXXX XXXX XXXX appears on my credit report. This account was fraudulently opened as a result of identity theft and does not belong to me. 
XXXX. XXXX XXXX XXXX Date Opened : XXXX, XXXX XXXX Issue : A collection account with XXXX XXXX XXXX, is listed on my credit report. This collection account was also fraudulently opened due to identity theft and should not be attributed to me. 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX, XXXX XXXX  XXXX XXXX  XXXX is listed on my credit report. This collection account was also fraudulently opened due to identity theft and should not be attributed to me. 

XXXX. 
Inquiries Related To Identity Theft : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Are all results of Identy theft on my consumer reports!
Product: Payday loan, title loan, personal loan, or advance loan

I made a loan with Integra Credit on XX/XX/XXXX for {$1000.00}. Thus far as of XX/XX/XXXX I have paid a total of {$1600.00} and they say another {$530.00} is due. The required payment changes every 2 weeks and they add each pay cycle a fee in the amt. of {$41.00} plus interest payment.. 

This is a total scam - their interest must be at 1000 percent Can you help me on this. I have fairly good credit and always pay on time but this is ridiculous!
Product: Debt collection

On  XXXX   XXXX ,  2017 i re ceived a phone call from Tower Loans ( I have a loan from them since  XXXX     2017 for a be d i bought ). The woman on the phone did not identify herself but I knew it was Tower Loans from the Caller ID. She said " Why do n ; t you  cone in today so we can give youa {$1000.00} loan. '' I said not hank you aI already have a lo an I m pa ying you. She then said,  XXXX   XXXX  you ned to come in and pay your past due amount. '' I said I do not have a pass due amount, Iit is not due until  XX/XX/XXXX . She argued with me and said no it was pass due on  XX/XX/XXXX .I said " No, I am looking at paperwork and it explicicty says  XX/XX/XXXX  '' my sone was near me as I had phone on speaker, so he heard the whole conversation - she said " Ma'am you need to come to  XXXX   XXXX  now and pay your late payment? I was then in tears and said i can not do that and cross the bridge at my age. I then heard someone in the background say - Oh you have the wrong account! My son then jumped on the phone and demanded they make an apology to me for harassing me. The manager refused. He said we will apologize for making her upset but not apologize for harassment. That 's my case. I have never in my life been late in a payment, I 'm  XXXX   years old, a nd always make payments on time and to be treated like this to a customer. Originally I only wanted an apology for harassment, now I want monetary damages. I hope they kept tapes of the phone call. It will prove my point
Product: Mortgage

When I separated from my ex-husband in XXXX XX/XX/XXXX we agreed that he would take the house and transfer it into his name. In XXXX XX/XX/XXXX I received a late notice from U.S. Bank that stated the mortgage payment had not been made. I went to the house and discovered that my ex-husband had moved out and destroyed the property. I informed the mortgage company, U.S. Bank, in XXXX XX/XX/XXXX that I was no longer able to make the mortgage payments and the house was vacant. I informed them that I will not contest the foreclosure, I just need it to be completed ASAP so the time can start to run on my credit report. The foreclosure is still not complete even though I have called U.S. Bank several times and told them to take the house out of my name. They could not provide me with an explanation as to why the foreclosure has not been completed or what the delay is. I have just been informed that the mortgage loan is still showing on my credit report as an open account that is not being paid. Due to the U.S. Bank 's delays my credit score has dropped over XXXX points and continues to drop every month. I understand that because of the foreclosure my credit was going to be hurt, but this is ridiculous. An uncontested foreclosure usually takes an average of 120 days. The foreclosure on my home has now taken over XXXX days due to unknown delays.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macy XXXX XXXX paid off. Stills shows a balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : XXXX XXXX XXXX Correspondence XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Investigation Regarding Credit Reporting Discrepancy Dear XXXX I am writing to formally request an investigation into a potential discrepancy in how my account with XXXX  XXXX  is being reported to the credit bureaus. On XX/XX/year>, I spoke with your representative, who confirmed that my account is reported to all three major credit bureaus ( XXXX, Equifax, and XXXX ) on the XXXX of every month. However, I have evidence indicating that this account was previously deleted from my credit reports. 

Enclosed, I have included screenshots of my credit report showing the deletion of this account. I kindly ask that you : Investigate this matter thoroughly to determine why the account was deleted and whether it is being reported accurately. 
Provide me with a written explanation of the findings of your investigation. 
Ensure that all reporting is accurate, consistent, and in compliance with the Fair Credit Reporting Act ( FCRA ). 



Please respond to this request within XXXX  days, as required by law. If I do not receive a satisfactory response, I may escalate or pursue other legal remedies available to me. 

Thank you for your prompt attention to this matter. If you need any additional information or documentation, please feel free to contact me at the phone number or email address provided above. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, that no consent is identity theft : XXXX XX/XX/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 XXXXXX/XX/XXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!
Product: Checking or savings account

As per previous CFPB case # XXXX, this bank is requiring that I reactivate a " dormant '' account by performing a transaction with it prior to my being able to just walk into a branch and withdraw my money. <P/>After that, I will also still have to call their XXXX # in order to actually close this account.
Product: Credit reporting or other personal consumer reports

On or before XXXX a personal loan was obtain in my name using my personal information. I have requested this account be remove because identity theft. 
XXXX XXXX has continue to report inaccurate information to my credit report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer credit report, I noticed inaccuracies regarding late payments reported on the following account : Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX I would like to bring to your attention that I have always maintained timely payments on this account and have never been late. The accuracy of credit reporting is essential, and I request a thorough investigation into these discrepancies. 

I urge you to provide evidence to substantiate the lateness of these payments, such as account statements or communication from the creditor. If you are unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time. 

Please address this matter within the time frame required by law and inform me of the results of your investigation. I appreciate your prompt attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquiries on my credit report from events that I am not aware of : - XXXX - XX/XX/2022 - XXXX  XXXX - XX/XX/2022 - XXXX  XXXX - XX/XX/2022 - XXXX - XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 - XXXX - XX/XX/2022 - XXXX  CARD - XX/XX/2022 - 15 U.S. Code 1681q - Obtaining information under false pretenses : Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

15 U.S.C. 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

( b ) Civil liability for knowing noncompliance : Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX in XXXX LAST XXXX OF SSN # XXXX XXXX : XXXX Date XX/XX/XXXX Transuion XXXX XXXX XXXX XXXX pa XXXX affidavit Estoppel letter IF YOU DON'T STOP REPORTING THIS FRAUDULENT ACCOUNT I WILL PROCEED WITH LITIGATION!!!!!! 
I am a consumer, This is like my THIRD time communicating with your company. im trying not to start my due process with starting my arbitration rights. I ask your company for the original contract bearing my signature, your company failed to provide that. You sent me a contract with my name type on a contract one I didn't not sign. Does not constitute as ownership of allege debt. I am asking for the following, failure to comply with my request will be a direct violation of my consumer rights and a violation of the FAIR CREDIT REPORTING ACT 15 U.S.

Codes 1681b permissible purpose I've never gave the listed companies writing or verbally consent to use my information 1666b the timing of payment section 1637b putting my name on a bill without my permission is considerate IDENTITY THEFT!!!!! U.S. Code1681c-2 reporting information that consumer deem identity theft 15 u.s.code 1681s-2 knowingly reporting inaccurate information. A 1.l am asking for the original application bearing my signature 2. Method of verification 3. Who verified t h e account for I can hold them responsible 4. Proof that you even owe the allege debt 5. insurance for the allege debt 6. Proof that it was me who opening this account WHICH VIOLATES FCRA 15 U.S.code 1681b, 1681 s-2, 1681 c-2 1666b Failure to provide these SIX request will result in me taking litigation action against your company. If you can not provide these things I will like your company to remove allege account immediatelyXXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX radius global solution XXXX... l would like these accounts deleted immediately!!!!! within XXXX of this letter... 
r reviewing my credit reporting I see some accounts that I did not authorize, made by the following companies ON THE FOLLOWING DATES : THESE COMPANIES ARE LISTED BELOW : XXXX - inquiry dated for XX/XX/XXXX XXXX XXXX  - inquiry dated for XX/XX/XXXXXXXX XXXX XXXX - inquiry dated for XX/XX/XXXX XXXX - XXXX dated for XXXX XXXX XX/XX/XXXX XX/XX/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 XXXXXX/XX/XXXX IT'S BEEN OVER 30 DAYS!!! AND THIS IS MY SECOND LETTER, THIS IS A CEASE AND DECEASE LETTER. SO, I AM ASKING FOR YOUR COMPANY TO ADHERE TO THE PRIVACY ACT RIGHTS LAW AND REMOVE THESE UNAUTHORIZE INQUIRIES IMMEDIATELY.

I DID not authorize anyone employed by these companies on these dates to make any inquiry on my credit report or even permission to look at my credit report. 15 USC 1681b ( c ) PER
Product: Debt collection

XXXX XXXX attempted to collect on a debt through XXXX. I did not know anything about this debt and disputed it with all 3 CB. It was DELETED. XXXX XXXX then sold the debt to XXXX. I called XXXX XXXX  directly to get the original date they placed the debt on my credit report and they wanted a pass code ( I do not have it, bc this is not my debt! ). They refused to give me the information. They are placing information on MY credit report, then refuse to give me copies of the information ( allegedly about me XXXX regarding the debt. I can not dispute something I have no knowledge of or information on. When I asked XXXX if THEY had the original date from XXXX the answer was NO. If a creditor posts information on your credit report, you should be able to contact that company and get ALL the information available, yet they want passcodes etc to hide information. There is alot of fraud going on and XXXX XXXXs not being responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to remove debt accounts from my credit file that are not accurate. Sent me results that are showing g accurate for XXXX XXXX XXXX XXXX duplicated on my file that was included in my 2018 bankruptcy. XXXX XXXX is a timeshare that was included in my bankruptcy and should not be able to bill me or sell account to collections as it was included in my bankruptcy. 

Experian also refuses to remove XXXX/ XXXX as it violated CARES act by place that debt on my File during COVID-19. 

Can you please assist? 

Thank you! 
XXXX XXXX
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. 

Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 crimes 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: Student loan

The automated system is corrupt and customer service wo n't help. Each person with AES that I talk to has a different story. I checked my credit report and clearly they 're ruining my credit while assuring me that everything is fine and dandy. I honestly just wish AES staff would do what they say, hours on the phone and still no where with these people. How can they even be allowed to lend? I XXXX this is a nightmare, I do n't have these problems with my other loans, not one problem. I just paid one off in full, I never had to contact them! Seriously, what 's going on AES? I 'm ready to start writing congress and contacting the media.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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. 166b creditor may not treat a payment on an account under an open and consumer credit plan as late for any reason.
Product: Checking or savings account

I scheduled a one-time transfer from my checking account with another bank to my Alliant savings account via the Alliant app . The app processed this transaction three times, which I didn't realized until Monday morning when the deposits posted, leaving me with negative {$1200.00} in my checking account.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

On XX/XX/2020, I attempted to purchase a Diamond ring from XXXX and was under the impression that if I applied for a Wells Fargo jewelry credit card that I would be able to make the purchase immediately. Once I applied for the credit card, I realized that I wasn't able to use the credit card for two weeks which was extremely misleading. The available {$6200.00} credit line with Wells Fargo was practically useless given the purchase price was {$18000.00}, my credit history is stellar, as well as my current income is extremely high with very low debt to income ratios. 

Once I realized that I wouldn't be able to use the credit for several weeks, I purchased the ring cash from the website XXXX XXXX A few day 's later, it appears as though I was bait and switched as XXXX XXXX  called me and said the diamond ring that I had purchased was not available. They attempted to sell me a lesser diamond at a higher sale price and I eventually had XXXX XXXX issue a refund. 

I was mislead by XXXX XXXX with a product that wasn't actually for sale and the terms with the Wells Fargo card was extremely misleading granted I was under the impression I would be able to utilize it immediately.
Product: Credit reporting or other personal consumer reports

There are multiple names and addresses that are inaccurate that I did not authorize, nor do they belong to me. Please Block and delete the following names and addresses : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. My legal government name is XXXX XXXX. The inaccurate addresses are : XXXX XXXX XXXX XXXX, TN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX. XXXX, TN XXXX. My accurate address is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX my mortgage company reported false derogatory information to all 3 credit bureaus. Within minutes, I filed disputes with the 3 credit agencies and filed a CFPB claim as well. Within 2 days of the false information hitting my credit report, XXXX  XXXX XXXX has lowered my total credit limits from $ XXXX to $ XXXX. 

After reaching out to XXXX with no help from anyone, I came here to request assistance. I have worked my entire life ensuring that I need to keep my credit file clean and in good standing. 

XXXX  XXXX XXXX has chosen to use this false report ( It has already been corrected on all 3 reports and I have a letter from XXXX with an official apology for the mistake ) I have no remedy or recourse in order to be made whole again. I worked years to establish and build my credit lines, banks should at least ensure the information they are acting on is valid! 

I am a consumer who has been taken advantage of, through out a system of inequality. This is gross negligence and is cause for me to reconsider who I bank with. 

Again, XXXX  XXXX XXXX does not care that the error was a mistake and has stated they do not care to see the document received on company letter head from XXXX issuing an apology for the incorrect reporting to my credit reports.
Product: Credit card or prepaid card

This company does not disclose to a consumer in their statements regarding special interest rate expiration nor does it show how much fees/penalties/interest will be assessed at the end of that special interest period. There is not indication on the statement of any interest to be charged in the event the full amount is not paid back before a certain date. This needs to be included on all statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have disputed XXXX XXXX & XX/XX/XXXX with not favorable out come. 
I am wanting to buy a home and I am unable to do so because of the the damages on my credit report according to XXXX5 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 



This is a defamation to my name.
Product: Credit reporting

disputed previsiouly, removed. reinserted after a couple of months
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card is still incorrectly showing me over my balance. My balance is only {$890.00} see attached.
Product: Credit card

Here we go with the typical bank runaround and games. I activated an offer that appeared in my account in early XXXX for {$10.00} XXXX when I spent {$75.00} at Supermarkets. I have since spent well over that amount. When I called to inquire about the XXXX I am told by the rep that he doesn't show that I activated the offer. I DID. Of course, in their typical game playing way, the offer disappeared from my account after I activated it and there is no record of it showing in my account. This is the game they play hoping we will forget about it and they can claim ignorance. The rep told me I could activate the offer XXXX of XXXX ways. The first way was on their Offer page, but, of course, the offer code he gave me says it's invalid. He also gave me a phone number to call to activate it. When I call this number, it tells me the offer is expired. These are the games this bank chooses to play. XXXX, pathetic and DISGUSTING
Product: Credit reporting or other personal consumer reports

I am writing to notify you of my status as a victim of the recent data breach, after which I became aware of fraudulent accounts and activities appearing on my credit report. Under the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ), I request that you block and delete any information related to the unauthorized accounts listed below.

Below are the details of the unauthorized accounts and inquiries I have identified : 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 XXXXXX/XX/XXXX These accounts were not initiated by me, and therefore I am invoking my right to have them blocked and removed from my credit report immediately.