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

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XXXX XXXX  Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX  Date of inquiry XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX
Product: Credit card or prepaid card

I was notified by XXXX XXXX on XX/XX/2022 that a credit report identified that someone opened a credit card using my social security number birth date with Genesis FS Services. 
In a conference call with XXXX and a representative from Genesis Fraud department, the Genesis representative confirmed a credit card was opened in my name on XX/XX/2022. The Genesis representative stated that I needed to file a report with the FTC to gain an affidavit noting the fraudulent activity and send the report to the Genesis Fraud department. According to the rep, the account had not been used yet so there is no balance.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I receive an credit alert from XXXX XXXX by email on XX/XX/XXXX noting that there is a new collection account on my credit report. I noticed that a debt buyer collection company added it my credit report stating that I owe a payday loan company by the name of XXXX XXXX XXXX. I do n't owe them anything. I paid off all my debtors that I knew about but one company, XXXX XXXX XXXX that is still on my credit report. I do acknowledge owing them. This collection account, however, was not on there. It was just added on XX/XX/XXXX. I 've been checking my credit report regularly throughout XX/XX/XXXX ; even disputing items and getting them removed. Midwest Recovery Systems is no stranger! One of their debt items was removed from my report. They bought out one of my accounts and it was paid as agreed. Then a month later, they added another collection to my account for the same debt that was paid. I contacted the credit bureau and they removed it and ordered Midwest to send me a letter noting that they removed it from their account too. In other words, they tried to get me to pay off the same debt twice! If I was n't checking my credit report, I would have had an extra collection account on it which would have affected my credit worthiness.
Product: Credit card

Well my credit card was misplaced in was max out I called in tried clearing it up but only received half of my credit back in I have late payment on card I didn't use my self
Product: Mortgage

I paid off my commercial property mortgage held by Wells Fargo, back in XXXXXXXX XXXX XXXX  The company assured me on over four or five occasions now, that I would receive a lien satisfaction letter within 30 days, yet every time I call to follow up, they tell me it has not even begun to be processed. Its been four months and escalated to the top, according to them, and I still can not get a lien satisfaction letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I SENT IN A LETTER DISPUTING ERRORS I HAVE FOUND ON MY CONSUMER CREDIT REPORT. TODAY IS XX/XX/XXXX AND I HAVE YET TO RECEIVE RESULTS OF AN INVESTIGATION OR ANY RESPONSE FOR THAT MATTER INFORMING ME IN ANY WAY. AS STATED IN MY LETTER, AFTER RECEIVING A COPY OF MY CONSUMER CREDIT REPORT I HAVE FOUND SEVEN ( 7 ) ERRORS THAT NEED TO BE INVESTIGATED AND REMOVED. NOT ONLY HAVE I BEEN PATIENT BUT I HAVE PROVIDED SUFFICIENT TIME FOR THIS COMPANY TO COMPLY WITH FEDERAL LAW AND THEY HAVE FAILED TO DO SO ACCORDINGLY OR AT ALL.
Product: Money transfer, virtual currency, or money service

I got a fraud on XXXX, tried to get the money back from Zelle. 
I called the Zelle customer service, however they said they can't reverse it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

on artists prey on victims of timeshare resale scams Share this page XXXX XXXX XXXX XX/XX/2013 by XXXX XXXX Consumer Education Specialist, FTC Con artists are trying to steal money from people by falsely claiming they are associated with the federal courts, the U.S. Department of Justice ( DOJ ), and the Federal Trade Commission ( FTC ). The imposters tell people they are entitled to refunds as part of cases brought by the FTC against companies that engaged in timeshare resale fraud. People are told they must pay several hundred dollars in court costs, processing fees or filing fees to get their refunds. The scammers may use an actual FTC case number to lend some legitimacy to their pitch. DO NOT GIVE THESE IMPOSTERS MONEY. THIS IS A SCAM. The FTC never requires consumers to pay money to get a refund. The imposters also have impersonated Florida attorneys in an effort to convince people to pay their fees. 
If you get a call from someone claiming they can get you a refund for a fee, report it to the FTC. Visit Complaint Assistant or call 1-877-FTC-HELP ( XXXX ). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTCs website provides free information on a variety of consumer topics.
Product: Mortgage

We received a letter from XXXX XXXX that was postmarked XX/XX/2017 that they were transferring the servicing of our mortgage to XXXX XXXX effective XX/XX/XXXX. We have yet to receive any correspondence from XXXX XXXX and our mortgage is due in 4 days. We have no account information to send our payment to. It is my understanding that we are to be notified of such a transfer at least 15 days prior to the effective date. I spoke with a representative at XXXX XXXX in hopes of getting my account information so that I could make my payment on time, but was told that they sent out Welcome Letters starting XX/XX/XXXX, again less than 15 days before the effective date. They were unable to provide any specific information regarding my account. 

Overall, our experience with XXXX XXXX has been subpar and my hopes for XXXX XXXX are quickly dwindling.
Product: Debt collection

After repeated communications with Resurgent Capital Services and XXXX XXXX XXXX that this is a fraudulent debit, they continue to try to collect on the debit. 

Please note that Resurgent Capital Services and XXXX XXXX XXXX have not provided an executed contract between the debtor and myself only an " ACCOUNT SUMMARY REPORT '' which could easily be developed without an executed agreement. Based on the ACCOUNT SUMMARY REPORT, the origination date with original creditor was XX/XX/XXXX, and the last payment was XX/XX/XXXX. At this point in time this matter is not within the Statue of Limitations. 

Please consider this a matter similar to XXXX XXXX and fine Resurgent Capital Services and XXXX XXXX XXXX XXXX XXXX ( XXXX ) dollars to stop there practice of extortion, harassment and violations of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX Original Creditor : XXXX CITY OF XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX Date XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my consumer report, I noticed an account that has late payments that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I have never been late on payments for account XXXX XXXX - XXXX. 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, then I demand these payments be updated on time as they should be as I was NEVER late. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumers are entitled to a free credit report from the 3 Credit Reporting Agencies each year. Once a consumers identity has been verified, they should have no problems easily securing their report. However, with intent, XXXX and Equifax make it exceptionally difficult to access your report. XXXX gave me varying reasons at different attempts why they were unable to give me my report. I tried several times to get my reports from XXXX and Equifax through annualcreditreport.com. The only report I was able to get was my XXXX. It is important to note that XXXX and Equifax are closely aligned on their individual sites, and with XXXX XXXX. XXXX initially said they were having technical difficulties. When I tried later, they gave me another error message. And I never got my report from Equifax even though they said they had already given it to me. Now, the only way I can get a report from XXXX and Equifax is to take out a membership for a fee, and then pay an additional amount to get a report. I am arguing that XXXX and Equifax intentionally make it difficult to get a free credit report to force consumers to buy a membership with them and then pay for a credit report that should be free. At XXXX, accessibility and verification to all three credit reporting agencies should be consistent. Each CRA has a different ID verification process. The verification procedure should have identification rigors yet simple enough for consumers who have limitations can get their reports as long as their ID can be verified. CRAs should give consumers a choice of getting a report in PDF format that can be stored on the computer device of their choice. They should be able to direct the file/folder where they want the file downloaded.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed fraudulent accounts on my credit profile. please delete these accounts as they are affecting my ability to obtain credit.
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 : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : 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.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXXXXXX XXXX XXXX XXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Debt collection

I am writing to formally dispute several hard inquiries that have appeared on my credit report. After reviewing my recent credit report, I noticed multiple inquiries from creditors that I did not authorize, which I believe are a result of identity theft. I did not apply for or authorize any of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I've became aware of the following addresses being on my credit report. The addresses listed are inaccurate and I would like for them to be removed : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I'm also requesting for the following phone numbers to be removed : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX XXXX and Experian have inaccurately reported a 30-day late payment on my credit report, which is causing unjust harm to my creditworthiness. 

Details of the Issue : Account : XXXX XXXX. 
Date of Reported Late Payment : XX/XX/year> Issue : My account was closed on XX/XX/year>, yet Experian and Affirm reported a late payment on XX/XX/year> after closure, which is a clear inconsistency and misreporting. 
Balance : {$0.00} ( the account was paid in full ) Credit Reporting Violation : This incorrect reporting violates the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ), which requires data furnishers to report only accurate and verifiable information. 

Actions Taken : 1. I disputed the late payment with Experian and requested verification. 
2. I contacted XXXX regarding this issue, but they have failed to correct or provide proof of the validity of this late payment. 
3. As of today, the late payment remains on my credit report, negatively affecting my credit score and financial standing. 

Requested Resolution : Immediate removal of the inaccurate 30-day late payment from my credit report. 
Correction of my account history to reflect Paid as Agreed without any delinquencies. 
Written confirmation from Experian and XXXX stating the correction has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 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: Debt collection

As a current customer of XXXX/XXXX  XXXX for internet service, they allowed for a second account to be opened under my information, using a different address, and never attempted to notify me about it. As their current customer, they should be able to see that if a second account is attempted to be opened, some sort of notification should be sent to the current method of communication to confirm new service. And I only was able to determine the information of the fraudulent account from the third party collection agency that place a negative trade on my credit bureau. XXXX was not even able to find a second account under my information when I called in. Their failure to protect their own customers puts every since person that does business with them at risk for identity theft by not verifying information correctly.
Product: Debt collection

My wife had a medical procedure denied by my health insurance company XXXX. I filed all of the appeals, but the denial was upheld as experimental. The procedure in total was over {$26000.00} and now Southern Credit Recovery ( SCR ) has failed to operate in good faith. I have contacted the company on  numerous occasions since receiving the first collection letter and as of this date they continue to do nothing. I faxed them an offer of settlement on XX/XX/XXXX and again on XX/XX/XXXX with no response other than notifying the credit bureau of the collection account. Today I spoke with " XXXX '' who was unprofessional and could not answer any questions on the file. A complete waste of my time.
Product: Credit reporting or other personal consumer reports

Identity theft see attachment. Discover card  with a XXXX balance, XXXX XXXX XXXX XXXX XXXX a XXXX balance and XXXX  XXXX XXXX with a balance of XXXX is on my credit report and not responsible for any of these charges.I have already submitted my police report and it attached.
Product: Money transfer, virtual currency, or money service

Friend sent money using chime It said free transfer to debit card Got oops sorry something wrong Returned to main menu and created account to transfer money Went to transfer or cash out the XXXX dollars now says have to activate card to cash out Called customer service and I have to wait 7-10 days for a bank card I do not want and a bank I do not want Free instant transaction I think not
Product: Credit card or prepaid card

This issue started in XXXX of this year, I received calls saying that my account was past due, when trying to reconcile what payments were not credited to my account, it was discovered that a XXXX, XXXX and at that time XXXX and XXXX payments were not reflected in my account as being posted. When I asked to open a claim to investigate the missing payments the supervisor would not open a claim, would not provide a way for me to contact the bank to open the claim, and was extremely rude and said he would have someone from their corporate office contact me which never happened. I then received another call mid XXXX with the same information again my account is past due XXXX, however at this point there was a total of XXXX of payments that were not posted to my account. This time I was provided an email address to send evidence of payments from my bank. I provided the information via email but did get a credit monitoring alert that they had reported me as 30 days past due. I have never had a late payment since the account was opened and always pay much more than the minimum payment due amount. I filed a dispute with the reporting agency as well as provided to the same email address that my credit score had been impacted by XXXX points due to this issue. Which on both calls I mentioned that since these missing payments were in dispute that I wouldnt expect negative reporting until this matter is resolved. That did not happen!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received results of an investigation that TransUnion had conducted on account # XXXX on my credit report. They stated that they had deleted this account and verified it as accurate at the same time. When I spoke to a customer rep on the phone, they stated to me the creditor which is XXXX XXXX XXXX XXXX had failed to verify the information on the account and that it was deleted from my credit report. But further investigation on my behalf, shows the account still listed on my credit report with TransUnion. This kind of erroneous reporting constitutes fraud on behalf of TransUnion, and I intend to pursue legal action against them pursuant to my rights under the guidelines of the Fair Credit Reporting Act.