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

I am writing to express my deep concern and frustration regarding a dispute I have raised with Equifax concerning unauthorized hard inquiries on my credit report. These inquiries are inaccurate, have a detrimental impact on my creditworthiness, and I urgently request their removal in accordance with the Fair Credit Reporting Act ( FCRA ). 

The following unauthorized hard inquiries have been reported on my Equifax credit report 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 I have diligently reviewed my credit report and can affirmatively state that I neither authorized nor initiated these inquiries. The inaccuracies in my credit report are not only damaging my credit score but also affecting my financial well-being. It is my understanding that the FCRA mandates accurate reporting by credit bureaus, and the presence of unauthorized and erroneous hard inquiries directly contradicts this requirement. 

I have previously contacted Equifax to dispute these inaccuracies, providing all necessary documentation and information to support my claim. However, despite my efforts, Equifax has not taken appropriate action to rectify the situation, and these unauthorized inquiries remain on my credit report. 

I kindly request your intervention in this matter to ensure that Equifax promptly investigates and resolves this dispute in accordance with the law. I urge you to take immediate action to facilitate the removal of these inaccuracies from my credit report to restore the accuracy and integrity of my credit profile. 

I appreciate your attention to this matter and request that you keep me informed of the progress and resolution of this dispute. I look forward to a swift resolution in compliance with the FCRA. 

Thank you for your assistance in this crucial matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX and XXXX I have reached out to the company and debt collector and I have also made a dispute. 
XX/XX/XXXX I have reached out to the company and to the debt collector and I have also made a dispute. 
XX/XX/XXXX XXXX and XXXX I have reached out to the company and the debt collector and I have also made a dispute. 
XX/XX/XXXX recent balance XX/XX/XXXX XXXX I have reached out to the company and the debt collector and I have also made a dispute. 
XX/XX/XXXX recent balance XX/XX/XXXX XXXX I have reached out to the company and to the debt collector I have also made a dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I applied for a XXXX XXXX XXXX Credit card. Shortly after XXXX informed me there was a credit freeze on my account and asked that I have it lifted so they could check my credit report. For 3 days I have tried to contact Experian with their website and over the phone. Many, many, many attempts all lead to no where. I asked XXXX to go to a different credit bureau and they said that once they have contacted a particular bureau ( Experian ) they can not change it. Searching the internet you will find there are THOUSAND of folks like me that can not get through the Experian system. There are also dozens of reports of fake websites pretending to be Experian customer service. The only option I have been given is to send a letter with copies on my drivers license, SSN, proof of address etc. I do not think it is advisable for anyone to send such a package to a po box in Texas. Can you please help me connect with a person, that is definitely an Experian representative so that we might fix this seemingly simple problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

Loans in my name and never paid back or late payments .... hacked my bank account and I had to get 3 new cards
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Product: Debt collection

Received letter from 'ERC Collections ' stating that I owe {$270.00} to XXXX . The letter is under XXXX XXXX XXXX. My name is XXXX XXXX. I have an active account in good status with XXXX for my internet and phone service. 
I owe nothing to XXXX and the bill is bogus. I have tried calling 'ERC ' several times with 2 different phone numbers. Both are 'Disconnected '. 
Phone # 1 > XXXX Phone # 2 > XXXX Their website only allows payment with no live agent to discuss. 
The bill is not valid. 
I have attached a picture of the collection effort as well as my current ( Paid auto payment ) bill for XX/XX/21 billing cycle.
Product: Vehicle loan or lease

PLEASE NOTE : This is NOT about a vehicle lease, but a lease for a copier/printer instead. 

I feel that I am the victim of an extortion scheme. In XXXX of 2018, I contracted with XXXX XXXX to lease a XXXX copier/printer to use in my home. They prepared several quotes and found a used machine I could lease for around $ XXXX. for 36 months. I understood I would have the opportunity to purchase the copier at a very reduced rate at the end of the lease, as the equipment was 2 to 3 years old at the time I leased it, and it was coming off of another lease with a church in Florida. The data from that church was still on the machine, and I had to have my technician delete it so it would not interfere with my information. 

The original lease was financed through Everbank. 

Approximately 4 months ago, I received notice that TIAA Bank was taking over Everbank, or at least the lease that I was paying. I have paid every payment on time and in full for the life of the lease. My last payment on the lease is due in 2 weeks, and is scheduled to be paid from my online bank as usual, next week, so my obligation with them will then end. 

I expressed to the Copier salesman I dealt with that I would be interested in getting a buyout offer, and if reasonable, would just purchase the equipment. He contacted the appropriate people at TIAA and I received an email indicating that someone would be in touch with me. More than a month went by with no contact, so I reached out again last week and was met with a quote of nearly {$3000.00} to buy the 5 to 6 year old copier that is available, brand new, for around {$3500.00}. Keep in mind, my total lease payments have exceeded {$7700.00}, and the former lessee certainly contributed to the cost of this equipment as well, likely for the same or very similar amount. 

I told the TIAA rep. that he must be mistaken. He indicated that he had misquoted because he did not realize the equipment was used when I got it. But he took only about {$500.00} off the original quote, making it still well over {$2000.00} to buy out this copier after paying so much over the past 3 years and accepting its wear and tear of 2 users over the last 6 years! 

When I told him this new offer was still unacceptable, I made him a reasonable offer of {$500.00} or at most, {$750.00} that I am willing to pay for this copier, just for the convenience of not having to look for a new one right now. Frankly, after what I and the former lessee have paid, it should be free by now, but I am willing to pay a little. That is still not acceptable, and they also want to charge me upwards of {$600.00} to ship the equipment back to them in XXXX when my lease expires. 

This has to be an abusive practice, but nothing I say or do will cause them to reasonably negotiate with them. I need your help. 

I have included the final offer from TIAA for me to pay them another $ XXXX for a 6 year old copier for which they have already pocketed nearly {$14000.00}!
Product: Vehicle loan or lease

They are not reporting my payments. The last payment reported is XXXX of XXXX. This is severely affecting my score & ability to refinance for a lower rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Relocating to a different state, looked to rent a house. Been denied to few of them, finding out, that our credit score went down from over 800 score to XXXX never been informed about this changes. Would like to know reason why our credit score lost over 100 points. We are seniors, in the XXXX 's. So, please help us to solve this issue. Thank you. XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX-DATE OPENED XXXX Account Name : XXXX XXXX XXXX -DATE OPENED XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX-DATE OPENED XXXX Account Name : XXXX XXXX XXXX XXXX-DATE OPENED XXXX  Account Name : XXXX XXXX XXXX XXXX XXXX-DATE OPENED XXXX Account Name : XXXX XXXX XXXX XXXX XXXX -DATE OPENED XXXX Account Name : XXXX XXXX XXXX XXXX XXXX-DATE OPENED XXXX  Account Name : XXXX XXXX XXXX -DATE OPENED XXXX Account Name : XXXX XXXX XXXX -DATE OPENED XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been affected by equifax breach and I have accounts and incorrect information on my credit reports. I have filed multiple claims and I want these accounts off my credit report.
Product: Checking or savings account

Today I deposited a check for {$6500.00} but received a credit for only {$65.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a old dept that was suppose to off of my credit and its still on there.      XX/XX/17 -Paid {$2900.00}
Product: Credit card or prepaid card

On XX/XX/2021 I applied for the most recent credit card offer advertised by the credit union of which I have been a member for years. I have other credit cards from this credit union that I have always paid timely as agreed. I usually pay off the balance of charges I have made on the credit cards so as to avoid interest charges. 

Since I joined the credit union years ago, my debt to income ratio has improved to it now being the best it has been. Also, my after-tax income is the highest it has been since I joined the credit union . 

Despite all of the reasons that a member would reasonably expect to have been approved for the most recent credit card offer the credit union advertised to its members, my application was denied on XX/XX/2021. The reason the credit union stated for having denied my application is because that I presently have maximum open-end credit.

I wrote the credit union asking for the underwriting department to reconsider. I submitted a counteroffer requesting the credit union reduce my line of credit by {$5000.00}, or in the alternative reduce the maximum credit limit on one of the other credit cards I have from this credit union by {$5000.00} and then send me the new credit card per its most recent offer with a credit limit of {$5000.00}. 

The credit union has not responded to my request for reconsideration and my counteroffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX originally disputed my GAP insurance claim for the remaining balance of a total loss settlement. The outstanding balance was a few hundred dollars. I was notified by a credit alert that the account went past due even after the settlement check was sent to them. I sent a cease and desist letter to XXXX and they then corrected their error. However it shows on my credit report that the account is delinquent. They need to correct that immediately. I had also filed a complaint with Missouri Department of Insurance in regards to them not originally accepting my GAP insurance claim and refund of the several prepaid years of the insurance policy.
Product: Credit reporting or other personal consumer reports

This is a dispute matter regarding old phone that needs to be removed and add my new number!
Product: Debt collection

AD ASTRA RECOVERY SERV is claiming that I owe them {$1500.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX I made a purchase for a custom XXXX XXXX Head Ring XXXX ct natural diamonds act XXXX ct in Amethyst using a Acima provider XXXX XXXX Jewelry Lab Design using Acima XXXX for {$1600.00}, {$1000.00} cash, and sentimental XXXX necklace I paid {$2000.00} in gold for to be added when he was to make the ring est total {$4600.00}. The ring the XXXX  made was defective because the stones were loose. The XXXX  said he would fix the ring in a couple days so I was thinking may he need a couple more days. I text him but never responds and just look at the message. He don't answer the phone. He texts me " Hey '' XX/XX/XXXX at XXXX XXXX  and to him call XX/XX/XXXX at XXXX. Tells me someone broke in his store and safe and stole my ring and other jewelry. I called Acima XX/XX/XXXX to see what they could do and they stated to call the store and tell them to close out the account so that I can get a refund offering no help. They told me that I will only get a refund when he close out the account out even though he had the ring. I explained that the ring was defective and the XXXX  has the ring so why am I having to pay for a ring that I don't have in my possession and that it their stores that is recommended to clients on their page that they should call an investigate this so I can get my refund what I paid to them. They told me I had to that they don't do. Me and Acima spoke with XXXX XXXX XXXX  and owner on a recorded line and he told Acima that he would close out the account and promised Acima he would do it the next day. But the XXXX didn't do it and when I text him, since he wont answer my calls he text me that he didn't do it yet that Acima will give me my money back don't worry and that he didn't want to over draw his account. He had no concern about me as a customer only concerns about himself. I looked up the company business license and it seems to be not active and also XXXX XXXX also told me that he has no insurance for his business. So Acima doing business with a store front that has no license or insurance.
Product: Debt collection

I am a victim of identity Theft I have not received any phone calls from any debt collectors I have a police report the date of the action that were taken by this company was XX/XX/2022 the amount they saying I owe is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, two months they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. This account has been closed for some time but it is still affecting my credit score. Please help as this is affecting my ability to get the best rates on  a home loan and this was not my mistake.
Product: Prepaid card

I contacted Visa VanillaGift.com and XXXX XXXX customer service on XX/XX/2023 regarding an issue with the full 16 digit card number not fully displayed on a {$100.00} gift card I received as a gift for my birthday, and I could not activate the card because the card had been tampered with. I was unsuccessful reaching a resolution with Visa Vanillagift.com or XXXX XXXX because I was told there was nothing that could be done if I was not the original purchaser of the card.
Product: Checking or savings account

My information was stolen through a data breach from XXXX XXXX and also XXXX XXXX XXXX and also XXXX XXXX stole my identity and has opened up several credit cards thanks and try to get a whole bunch of loans in my name which when I found out, I found a police report. I put a stop to it and I prove that I was innocent. I tried to open up a bank account with arvest and they told me I was in XXXX  system. I told him I have never had a bank account with him before most likely it was my sister she has already did damage the lady said that I needed to call XXXX  system and see what was on my credit which it was numerous banks from XXXX I was in XXXX at the time I have proof XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX i dont know what else needs to be removed as soon as possible because they are reported inaccurate information onto my credit report that does not belong there. I am a victim of identity theft I did not open those accounts. That is someone that has the same name as me in favor me that was not me. XXXX 100 % sure and I have told him over and over and over to remove these items from my account.
Product: Money transfer, virtual currency, or money service

I'm XXXX, User ID : XXXX a binance.US user for just couple weeks before they locked me out of my account. I didn't realize I was locked out until I check to start trade.i submitted a request on XX/XX/21 by submitting all the requested documents ( a video selfie of me, and photo of me holding my ID and my bank statements etc ). I'd made lots of complaint, and tracking my request was said to be solved but I'm still unable to Access my account. I have over $ XXXX on my account, and it is unethical for a company to hold my money for no reason. Even after providing all documents, they request.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts and 4 inquiries appearing on my Equifax due to Equifax Breach. I do not recognize the accounts below which are the result of identity theft and fraud. 

These fraudulent accounts include : 1. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 
2. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 
3. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 
4. Fraudulent inquiries XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity Theft. I did not give any consent to open any Accounts using my personal information
Product: Debt collection

To Whom It May Concern, The reason for my dispute is DEBT RECOVERY SOLUTIONS # XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, DEBT RECOVERY SOLUTIONS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) DEBT RECOVERY SOLUTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation DEBT RECOVERY SOLUTIONS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where DEBT RECOVERY SOLUTIONS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.DEBT RECOVERY SOLUTIONS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.