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

After reviewing my Clarity consumer report I must inform you that i am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These inquiries, housing in
formation, housing status, income, employment, and banking information should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the unauthorized inquiries listed IMMEDIATELY! 

I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft I been trying for many months to resolve a few errors on my credit profile that is inaccurate. The accounts that have been challenging to resolve with XXXX, XXXX, and Experian are XXXX, XXXX XXXX, XXXX XXXX and hard inquiries XXXX ( listed twice ), XXXX XXXX, and XXXX XXXX. I've spoken with XXXX in regard to the hard inquires and attempted to have them removed within 3 consecutive months, but I'm being told they can not remove these hard inquires without a written letter from the companies.
Product: Credit card

After making a purchase in early XXXX and paying for it for signing up for their Best Buy Credit Card, I began receiving overdue notices about XXXX  months later and have been receiving those plus interest monthly. I contacted Best Buy on XX/XX/XXXX and told it was a scam. I reported it to FTC that day. I get a new bill plus interest regularly. I contacted Best Buy today, XXXX XXXX, XXXX and they said, again, it is a scam. The Billing is on official Best Buy notices with the disclaimer that CITI handles their accounts. The past due amount may be from CITI whose information does appear on the invoice.
Product: Debt collection

I notice that this account is reporting as a charge off. I have request for a 1099-c from the company 3 times and for them to update my account to the XXXX Balance that is reporting. I have attached the following letter sent to the company and no response.
Product: Credit card

Opened an Amex Gold card on XX/XX/year> for a Special Welcome bonus offer of XXXX Membership rewards after spending XXXX $ in 6 months + Receive 20 % cash back in statement credits during first 3 months. 

I had chatted with the customer service rep asking them after 15 days of spending on my card about the bonus points details. They denied me the offer and said it was denied and told me the reason for the denial was that I had applied for an American express gold and XXXX XXXX with XXXX or something previously. I told them that I have an email saying approved first of all. Then I have never in my life applied for either of these XXXX cards and I dont even have a XXXX account until XX/XX/XXXX. They transferrred me to the supervisor and the supervisor denied it and said the samething. They even escalated the issue for me but when I asked them about the status of the escalation, they had no answer to that and they continued saying that it was denied. I have told them again and again I clicked on the referral offer and opened the credit card and never had either of these american express card in my whole life. 

I asked them to provide me a proof where they see I have opened any of these credit cards ever. They had no answer to that. They refuse to help me any which way. I even told them that I would be filing a complaint and they did not care about it. 

I have everything in the chat history of american express online chat and they should have it too. I do not know if I should continue using the card or not as this has made me waste so much time and I am loosing out by opening a new card and it has been filed on my credit report now. This is absurd on behalf of american express. 

I asked them to provide or email me the chat transcript and they said they can not do that as they do not have the provision to send me the details. I am unable to download it but was given this no by them to check on the transcript - XXXX is the reference number for the chat transcript you had with us till date.
Product: Credit reporting or other personal consumer reports

One Main Financial XXXX XXXX. 
I never applied for credit with this company. Nor did I give them written consent to run my credit.
Product: Credit reporting or other personal consumer reports

I received notifications over the weekend that Capitol One had done a hard inquiry on my credit report. I called Capitol One and they said that somebody had applied for a Quicksilver credit card in my name. One of the credit bureaus had ( XXXX ) XXXX as the applicant 's phone number. None of this was me. I've tried disputing the hard inquiry with XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX
Product: Checking or savings account

My square account is deactivated and theyre wrongfully holding my funds and also closed my account I provided all the requested information and my account is as still suspended. I was also forced to issue a refund that I sold merchandise for and was told that was the only way to unfreeze my account so I lost {$950.00} on that and they told me theres nothing they can do even though they forced me to issue a refund after I explained that the buyer already received what they paid for. And theyre also holding {$500.00} of my money and also {$200.00} I would like my funds released and issued to me ASAP! Thanks so much!
Product: Money transfers

A few months ago I purchased some In-Game items on a server that I played on for in game items. and just recently the game has been taken down and all of my items have been lost. and I am overall requesting for a refund to my paypal account by the owner of this game.
Product: Debt collection

I have sent multiple dispute letters to Midland Credit Regarding a collection account in the amount of {$700.00}, that they are reporting on my credit reports. They have failed to respond to these letters which is a direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to open an on-line dispute on several accounts with both Equifax and XXXX. Although I can get a credit report, it will not let me use the on-line dispute center and without it nothing gets done. Finally, I gave up and filed blind dispute over the phone an email. 

The confirmation number is XXXX for Equifax, I do not have the conformation number for XXXX. 

Today I was finally able to get through to the XXXX Dispute Center, lo and behold they show no disputes! Even though I have a record and dates that filed them, even the chat log, while discussing. 

This is a deliberate attempt to block people from correcting the record ; they are working with the criminal and harassing " Collection Agencies ''. I had a dispute on over 12 items ( Medical ) ; disputing the same accounts in the other credit agency! 

I demand an updated Credit Report from all three agencies immediately, along with a list of all disputed accounts or records with their statuses and tie to completion.
Product: Payday loan, title loan, or personal loan

Tried to log into their payment portal multiple times to make a payment prior to it being 30 days late. The only way to pay is with a debit card that requires text sent to your phone before it will let you log in. I was unable to log into their site and tried to resolve this with the company- no one was able to assist me. This lead to my payment being processed a day later than expected and to a " 30 day late '' payment on my credit report despite my multiple efforts to pay prior to this with no resolution. The company has no response to me in regards to their website repeatedly failing resulting in me not being able to access the code to log in. This does irreparable damage to my credit report.
Product: Prepaid card

This is with reference to old COMPLAINT ID XXXX As per the Consumer Financial Protection Bareau, the case is closed as Amex replied but American express replied to Consumer Financial Protection Bureau and XXXX Me about they opened the dispute as they mentioned in the letter, these are their words -- - " Notwithstanding the above and as a gesture of goodwill, we opened a billing dispute case as mentioned in your CFPB complaint. " The Letter has been attached and s I emailed and followed up number of times and spoke to different departments of American express and all of them confirmed that nobody worked on this and no billing discpute has been opened.. 

I Need help in reopening the case.. 

Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX several times during the past 60 days regarding the XXXX credit card ending in XXXX. This account is reporting inaccurate, false information that is impacting my credit. 

2 of my credit reports list this card ending in XXXX as having a 30 day late payment in XX/XX/XXXX. I was never late on this account. This account is reporting incorrect information that needs to be adjusted. XXXX XXXX XXXX acknowledges that they have a verbal statement from me in XXXX stating that I was never late on this account. 

I have spoken with 5 representatives at XXXX XXXX XXXX since XX/XX/XXXX, including Customer XXXX  XXXX XXXX XXXX XXXX XXXX. Each representative states that they will put in a request to review the account to have the late payment changed to read as a paid payment, yet still the status of the account has not changed as of XX/XX/XXXX. 

I have sent in written statements via both mail and fax to XXXX XXXX asking that the XXXX XXXX 30 day late payment be changed to read as a positive payment, yet they have not changed the status of the payment. ( I have attached a copy of such written statement, including a copy of the XXXX report page showing the 30 day late listed for XX/XX/XXXX ). 

Both my XXXX and Transunion are showing this account as late, when it has never been late. I have also contacted XXXX and Transunion asking them to change this information so that it reports accurately on my credit reports as paid.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$950.00}
Product: Debt collection

I have written the company many letters stating they are in violation of multiple XXXX XXXX, and that I don't own the alleged debt. The company continues to send me threatening letters.
Product: Student loan

Navient purposefully refused to disclose the procedure for the removal of a co-signer on my Private Student Loans. That deception has negatively impacted both my credit and my co-signers credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending written correspondence to Experian since XXXX of this year to remove old addresses, names and incorrect XXXX that are still showing on my credit report until today. I just logged into my Experian account and it is all still there, and very inaccurate. 

When I attempt to dispute it, using their platform I am stonewalled each time. I understand that they are very busy and have a full workload, but I do not know what else to do at this point. It has been literally 9 months of this nonsense and absolutely zero results or progress. 

The crisis with XXXX and their false reporting and subsequent Federal investigation has my confidence in these bureaus and their capabilities to wavering substaintally.
Product: Debt collection

This company came up on my credit report and i do not know who they are. I have no contract with this company. I have not received a validation letter. The amount showed is {$2100.00} as in open account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of the Fair Credit Reporting Act for providing information from my credit file in according of XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I XXXX XXXX has not provided Equifax written instructions to provide any information of my consumer report XXXX. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, 2 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ]. Under the Fair Credit Reporting Act, both the credit bureau and the information provider ( that is, the person, company, or organization that provides information about you to a credit bureau ) are responsible for correcting inaccurate or incomplete information in your report. 

Accounts 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 Bankruptcy Individual Date filed XX/XX/2022 Case number XXXX Bankruptcy disposition XXXX Date reported XX/XX/2022 Bankruptcy Individual Date filed XX/XX/2022 Case number XXXX Bankruptcy disposition XXXX Date reported XX/XX/2022
Product: Credit card

On XX/XX/2024 I reported to the Randolph Brooks Federal Credit Union that a fraud on my XXXX for {$97.00} had happened. It was charged to XXXX XXXX XXXX. The company cancelled my card and issued a new credit card and said that they would investigate to return my stolen money. After 60 days I called to find out the status since I had not received a refund. I was told that the case was closed since they couldn't find the charge on my credit card statement. I mentioned this was wrong and we found the false charge and a new case was opened up XXXX. I am still waiting for my refund. I'm glad it wasn't for several XXXX dollars since something is wrong with their procedures etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent this bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.
Product: Debt collection

My name is XXXX XXXX and I, as a consumer, am making this complaint against Transunion. This complaint is relating to the CHARGE OFF account from XXXX XXXX, ACCOUNT NUMBER XXXX. Transunion has been inaccurately reporting information on my consumer report. Pursuant to 15 USC 1681 ( a ) ( 1 ), the banking system is dependent upon my consumer report being fair and accurate. Not only is the information inaccurate, I was never notified when this information was furnished, and during your company 's initial investigation that this information would be reported. This grave error has undermined my confidence in Transunion 's procedures. This unfortunate mishap has ruined my reputation and adversely affected my credit worthiness. Pursuant to 15 USC 1681 ( a ) ( 2 ), Transunion is a powerless elaborate mechanism. Also, Transunion ASSUMED this role. Transunion was never given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did Transunion fail in the initial investigation of this information, Transunion ASSUMED this role and assumed this information was valid ; which is a violation of my consumer rights. Transunion did not insure that this information being reported was accurate and did not exercise their grave responsibility with fairness and impartiality. Transunion took one side of the story and never consulted with me to ascertain if this transaction even took place. My right to privacy has been breached and violated. ( SEE EXHIBIT A ). Congress has made it abundantly clear that a consumer report SHOULD NOT include transactions between the consumer and the person making the report. This is another violation of my federally protected rights. I was never given opportunity to deny this information being communicated on my consumer report. This is another blatant violation. Pursuant to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit of a credit card should be excluded from my consumer report. This alleged transaction that Transunion clearly did not investigate is categorized as a transaction that was issued from a credit card ; credit card as defined under 15 USC 1602 ( L ). Definition attached and highlighted in EXHIBIT B.
Product: Mortgage

Contacted Vanderbilt Mortgage and Finance , Inc. on XX/XX/2022. I asked for a one month extension on my home mortgage. The representative that handle my account asked me why I needed to extension and was I still working. I answered her questions as to why I needed this extension : My son had purchased a mobile home and needed some financial assistance to have his utilities turned on. 

She asked me how much it cost and I told her {$2000.00} and explained what it would take to get everything turned on for my son. She would put me on hold and come back with more questions. I asked her if it was a problem with my request, she said that I could only get one extension per year and they wanted to make sure that if I had a hardship later ; I would not qualify. 

After of all of her questions, her supervisor came on the phone and continued to question me as to why it cost so much to have his utilities turned on. I explained to him that we live in the rural area it costs more because the water meter had to be ran from across a highway in order to bring the water to his property. The supervisor apparently had issues believing my situation. He said my son was grow and he needed to handle his own financial situation. And that I was still responsible for paying my XX/XX/XXXX mortgage in the amount of {$630.00} During the conversation I indicated to the representative that I could pay XXXX and XXXX during the XXXX payment. But those individuals did not care about my request. 

As you can see, I only needed one extension. What is the reason a customer calls their mortgage company before the note is due, requesting assistance but they don't have any moral values about the customer needs.
Product: Credit reporting 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. 

XXXX XXXX BANK : # XXXX, XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX IL : # 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, 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 an 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 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: Credit reporting 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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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.