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

I have personally disputing information on my credit report since XX/XX/XXXX. There have been items where I have specifically asked XXXX, TransUnion, and XXXX to perform an investigation with verifiable results. On the XXXX dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the XXXX dates of XX/XX/XXXX and XX/XX/XXXX, I asked all three credit bureaus to perform these investigations. As of today, those questionable items remain, with nothing in the comments section stating that there is an investigation or reinvestigation. Nothing has been verified and I have received nothing in the mail or electronic correspondence that shows the contrary. I have copies of all letters and they were sent certified mail.
Product: Credit reporting or other personal consumer reports

Dear sir/madam, while checking my most recent credit report, I know there is fraudulent credit inquiries that I do not recognize and did not authorize anybody to pull my credit report. The inquiries made by the below listed companies : 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  Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from. the credit file you maintain under my Social Security Number, Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am wiling to settle your civil liability damages i have suffered as a result of your violation for {$XXXX} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 US.C. 1681n ], Should you fail or refuse to settle the matter by tendering payment in the amount of {$XXXX} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$XXXX}. Send payment immediately via Certified Funds to
Product: Credit reporting or other personal consumer reports

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days or receiving a consumers dispute 1. [ All XXXX XXXX XXXX Accounts ) : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.

This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. Two parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights.
Product: Checking or savings account

Keybank is running a scam " promotion '' promising a {$300.00} " bonus '' for opening a checking account online, offer code XXXX. I have attempted to open such an account online numerous times but constantly receive an " error message '' telling me my identity can't be verified and that I must visit a branch to open the account. I have used several browsers, cleared histories and " cookies '', etc. per advice from Keybank which did not work. I then went to a branch with all my I.D . and was told I could open the account but without the bonus as it could only be processed online, not in the branch. I then called their customer service line at XXXX on XX/XX/year>, and after close to an hour with various agents I was assured that the matter would be " escalated '' and I would be contacted within 48 hours. Their explanation is that it is a problem with their " system '' over which they have no control, as if they woke up one morning and the system was just there and not implemented by themselves. I have received to further contact from Keybank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

My wallet was stolen out of my car. The thief used my ID and visited an emergency room and charged it to my name.
Product: Mortgage

I received a solicitation for a VA loan that looked like a bill, marked " Final Notice. '' First, I 'm not a veteran and not elligible for a VA loan, nor do I have a VA loan, yet this was on the letter : " As a VA loan holder, the XXXX XXXX XXXX XXXX XXXX XXXX allows you to combine your mortrgage and other debt PLUS get an additional {$32000.00} cash in hand for a new principal and interest payment of {$150.00} per month. 

We 've done our homework. You already have what it takes to qualify. '' etc etc ... 

This came from XXXX XXXX OCMBC , Inc. Licensed in CA XXXX, CA Mortgage Lender XXXX and NMLS XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account 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 602 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX credit card was fraudulently opened under my name on XX/XX/year>. That day, I called XXXX XXXX and requested a letter from them asking them to document the steps they were taking to close my account and remove it from my credit report, including that the account was not mine, I am not liable for the account, and that it was removed from my credit report. It has now been one month and I have not received this letter. I have called again 3 times requesting this letter. The fraudulent credit card was added back to my credit report due to lack of documentation proving it was fraud because I have not had XXXX XXXXXXXX XXXX support in this matter.
Product: Credit card or prepaid card

I purchased a Western Union prepaid Netspend MasterCard. When I went to activate the card it would not let me activate it. I reached out to customer service who said that I was in eligible to have a card. When I inquired about the {$270.00} that was loaded onto the card I was told that I have to wait for a paper check. When I asked how long that would take she said it will be sent within 10 business days upon approval. She told me that I could call back tomorrow to see whether or not my refund was approved. This is my light bill money and I feel like Netspend stole {$270.00} for me. I dont understand why I have to be approved for a refund if the card cant be activated. This is basically theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated my complaint process with Chrysler Capital on XX/XX/2020, after reviewing my credit report and noticing errors with an old account. I sent a letter to Chrysler Capital via USPS Certified Mail requesting supporting documentation regarding the resale of a vehicle. I can confirm that the letter was received on XX/XX/2020, and was signed for by XXXX XXXX. I never received response to my request, so my next step was to dispute this account with the credit reporting agencies ( XXXX, XXXX, XXXX ) as it appeared to me that Chrysler Capital could not verify the requested information. The bureaus properly investigated, but the dispute came back as verified. Not only do they claim to have verified this account, but they have also increased the balance owed and changed the payment history without ever notifying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number XXXX Responsibility Joint with XXXX XXXX Date Opened XX/XX/XXXX Status Paid in settlement. 
Status Updated XX/XX/XXXX XXXX I t look as tho XXXX has resolved their debt and need to be off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On approximately XX/XX/2021, I sent a letter to EQUIFAX to dispute two accounts which were XXXX XXXX XXXX XXXX XXXX and a XXXX Collections that were not supposed to be reported. As the consumer, pursuant to 15 USC 1681b ( a ) ( 2 ), I have written instructions on how I wanted my consumer report to delete referenced accounts. A couple of days ago I received with one of the accounts in question removed but not the other one because of the validity. However, as the consumer I am the only one who can say what is valid or not.
Product: Debt collection

Discover has repeatedly called my ex spouse who has no connection with my credit card account violating my rights as a consumer. They have told them I am delinquent in my accounts and owe money and that he is an authorized user on my account. He is now under the impression I opened a card in his name which is not the case nor is he an authorized user on my account. 
We have been divorced XXXX  years and this account has only been opened for XXXX  years. This situation is causing a lot of issues both legally and financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never opened a XXXX XXXX account in XXXX. Someone stole my information and opened the account without any of my knowledge. Midland Credit Management wants me to pay back something I never opened. My identity was stolen and I filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking at my credit report I noticed items that were not mine and other items that are fraudulent that I never authorized. I sent some letters to XXXX, XXXX, and Equifax but they said they completed an investigation and they were verified. I even have an FTC report that shows what was fraudulent.
Product: Credit card

I have been a loyal card holder of Citi Bank Best Buy card since I got the card. I was paying my bills XXXX percent of the time. 
I was laid off in XXXX with money owed by the previous employer. Shortly unforeseen event where I has emergency medical expense that was needed to all be paid out of pocket. 
I contacted Citi bank to inform them the situation proactively and they basically told me no they dont care unless I start to miss payments. 
Once the unforeseen events started to effect me in addition to a passing in the family. I had no choice to start missing payments. 
They only email me on occasions and if they call never leave any message so unless I answer which only has been about XXXX occasions. I never know the called. 
My compliant is I can never get a hold of any one when their emails said to log in and chat with some one. 
I log in and try chatting in writing and never get a hold of any one. 
I just received another email few days ago telling me I need to pay before they send my account to collection. Again, waiting and waiting no one ever answers. I took screen shot of the chat for proof that I tried multiple time to informing them and no effort to work with me what so ever.
Product: Debt collection

I happened to look on Maryland Case Search website and saw that XXXX XXXX, XXXX has filed a lawsuit against me. I never received any notification in the mail giving me the option to dispute the validity of the debt. I also saw on Maryland Case Search that a hearing is scheduled for XX/XX/2018, I was never served any documentation and would not have been aware of the lawsuit if I had not looked on Maryland case search. The address they have as my address is XXXX XXXX XXXX, XXXX, MD XXXX, I'm not sure where they got that address from, because I don't reside there nor have I ever had any mail go to that address. The address is not deliverable for me through the US post office. I would like to know if papers were served who did they serve the papers to and when, because I was never served.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed I had unauthorized fraudulent inquiries on my report that were reinserted by XXXX which is a consumer violation. I did not consent to, authorize nor benefit from the following inquiries. Please remove them immediately. 

Transunion : XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$5800.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$5800.00} Date XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I ran my credit to review my ( XXXX ) credit reports XXXX XXXX, Equifax and XXXX XXXX and I was devastated to see ( XXXX ) or more " negative accounts '' had been posted to my " EQUIFAX '' file. These accounts were not on the previous Equifax report I ran on XX/XX/2018. The accounts were XXXX old and all were negatively closed. How can they post all these accounts to my file when there is also a " XXXX XXXX '' posted on the file. Why didn't Equifax question the posting of accounts that are XXXX old and have never appeared on my personal file. I believe they have merged someone with a similar name accounts onto my file. I have had addresses and similar names previously with Equifax appear on my file in the past. 
XXXX. XXXX Bank : # XXXX XXXX. XXXX Bank : # XXXX XXXX. XXXX Bank : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX : XXXX {$4800.00} XXXX. XXXX : # XXXX XXXX. XXXX : # XXXX XXXX. XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX : # XXXX XXXX. XXXX : # XXXX
Product: Debt collection

Told them to stop calling me at work XX/XX/19. 
Was told by them in a threatening manner that they will continue to contact me at work. Called Me at work XX/XX/19.
Product: Credit card or prepaid card

Friday, XX/XX/2020, I received an email from Barclay for my frontier airlines credit card. It was a statement for the annual fee. I tried calling there customer service line to cancel this line of credit with Barclay, No answer, i was left on hold for 2 hours and I eventually hung up because I have my life to attend to. I've always had this problem with Barclay, customer service is SO poor. On top of that, I cant even get online to pay the card because I cant login. I've actually never logged in because I've never made an actual online account. I've tried to login with my usual logins but nothing. The forgot my password service doesn't let you receive a new password unless you have account number, which I cant see unless i look at my card statements which are online. I feel Like I'm just stuck with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the following from the Credit Reporting Agency -- -- - According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. I have complained against XXXX multiple times. Many cards were stolen from my office, used, and then fraudulent payments were made to allow continued charging to exceed the credit limit. My credit limit was {$7100.00} and MY balance was {$5900.00} as of XX/XX/XXXX. Card was stolen sometime first of XXXX. I filed attached sheriffs report in XXXX and then had XXXX of water from Hurricane XXXX after the XXXX tax day flood of XXXX. I was having payments scheduled at the first of the month to be paid on statements due date when I received my paper statements. Then mail was stolen from my rural mailbox. I was not using the card but paying off after XXXX and two floods. All charges starting XX/XX/XXXX were not mine. There were fraudulent payments that started on XXXX of {$2400.00} and returned the same day, on XXXX of {$2400.00} and returned the same day, on XXXX of {$7000.00} and returned on the same day, on XXXX of {$2000.00} and returned on the same day, on XXXX of {$10000.00} and returned on the same day. See attached statements. {$24000.00} of bogus payments within one month and not do anything???????!!!!!! Two months of returned payments and they didnt contact me??!! XXXX should have been alerted on XXXX and contacted me then. See Chases attached letter dated XX/XX/XXXX. I had asked for the payment methods used to make the fraudulent payments and XXXX denied the request. XXXX further states However, once an EPAY is returned because we were not able to locate the account, we suspend that account. {$24000.00} of fraud payments in two months and then suspend an account????!!! I should have been contacted at the least and especially for the over-the-limit transactions. But XXXX was phone calling the thief. In the attached latter dated XXXX, XXXX states the bogus phone number was removed and they do not know how the thiefs phone number was added.????? So, XXXX was talking to the thief, accepted more than {$24000.00} of fraud payments, allowed more than {$7000.00} of charges, and allowed the credit limit to be exceeded more than {$6000.00}. And XXXX sees no fraud?? I had good credit and was faithfully making my payments because I didnt have {$6000.00} laying around to pay it off. Now XXXX holds me responsible because they dont have a modern system to alert them.
Product: Credit card or prepaid card

I have credit card account with BMO Harris bank. 
My payment due was XX/XX/XXXX, this year and I paid in time. 
But when I checked my account online at XX/XX/XXXX, I did not see any payments but saw late payment fee of {$25.00} posted at XX/XX/XXXX. It was on the middle of the day, day was not ended but company tried to steal my money in advance. Beside that they made report to credit company ant it decreased my credit score. 
Please set an investigation about so called practice of this company and take the license from them away. And I want to be compensated for affected score. Money was paid in time I have proof and screenshots.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. 

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  Acct # XXXX CHARGE : {$970.00} XX/XX/XXXX Reason : Unverified Account 2. XXXX XXXX XXXX XXXX XXXX XXXX . 
Acct # XXXX CHARGE : {$710.00} XX/XX/XXXX Reason : Unverified Account 3. XXXX XXXX  XXXX   XXXX XXXX XXXX  Acct # XXXX CHARGE : {$150.00} XX/XX/XXXX Reason : Unverified Account
Product: Credit reporting or other personal consumer reports

This is really worrying and have caused me sleepless nights as I am a victim of identity theft, and my personal information was used fraudulently, resulting in items on my report that I was never involved with. Following Equifaxs instructions, I filed a report with the FTC and submitted it ; however, these fraudulent items still appear on my report.
Product: Debt collection

Garnished my wages without proper notice which is required under Tennessee Rule 69.05 making it impossible to provide for my family.
Product: Checking or savings account

I submitted a police report about an incident that happened with my debit card it has been past 10 business days I was told I was supposed to receive a provisional credit my account is currently in the negative I havent received any provisional credit and my case is still Open even though I send a replace report in every police report number to resolve the situation and I still havent received my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter that was sent According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have the knowledge concerning any such items of information. 

They sate my accounts were verified but how could that be possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA XXXX XXXX XXXX everything has to be 100 % accurate. 

List of the accounts disputed : 1. The following account is not mine XXXX XXXX XXXX Acct # XXXX ... .Date Opened : XXXXPlease remove it from my credit report. 
2. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XXXXPlease remove it from my credit report. 
3. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XXXXPlease remove it from my credit report.

4. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XX/XX/XXXX 5. The following account is not mineXXXX XXXX XXXXAccount Number : XXXX .... 
Date Opened : XX/XX/XXXX
Product: Debt collection

APOTHAKER, SCIAN OBTAINED A JUDGEMENT FOR XXXX CREDIT CARDS, i have been paying agreed amount for about 6 years and i noticed that they added a XXXX $ fee for every payment made. i still owe about XXXX total on debt, they never informed me from the beginning there would be a fee added. i pay XXXX $ per acct a month
Product: Credit reporting or other personal consumer reports

I noticed my XXXX account has anywhere from XXXX late/missed payments throughout all XXXX major credit bureaus. This information is inconsistent and false, as I have never missed a payment or been late.