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

Information on my Credit Report has been remove, and then they put it back onto the credit report. I have sent over proof of letters from the creditor itself, to remove the fraudulent accounts, along with police report, and identity theft letter. But XXXX, XXXX XXXX, and Equifax all totally ignore both police, and letters from the credit as my proof. I can't afford a attorney at this time. 

Old information reappears on report, and then put back on again.

Incorrect personal information ( Address, etc ) that should not be on the report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX received a certified letter from me disputing the inaccuracy of a bankruptcy on my credit report. Not only is the information incorrect but is unverifiable and I need this information permanently deleted from my report for it is damaging my credit. I even sent a letter from the court to them saying the court system does not report to the credit bureaus which is what is listed on my credit report. They had 30 days from the time of my dispute to respond and delete this account but they failed to do either. Which in turn, they broke the law according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Home Mortgage put us on a payment forbearance plan that started XX/XX/22 and ended that XXXX. We were advised that due to a medical hardship, we did not have to make any payments during that time ( see attached documents ). When the time came to pay, rather than the payments just picking up again, XXXXXXXX XXXX now considered us as months past due. Whereas they had, in writing, advised that no payments were to be made, they actually were counting each of those agreed upon months as past due. We have disputed both through the credit reporting agencies and with XXXXXXXX XXXX to have the past due payments removed from our credit report, but XXXXXXXX XXXX continues to say their reporting is valid.
Product: Credit reporting

Equifax online dispute services provides an option to DISPUTE INQUIRIES. 
When I select and dispute the inquires; it generates a report for example XXXX and XXXX but in less than 24 hours they close the report saying that the inquiry is factual without requesting the company to provide that the inquiry was authorized. 

They are misleading us and give us to think that we can DISPUTE ONLINE but we cannot. 
Its FALSE. I have requested again to have the inquiries removed due to that I did NOT AUTHORIZE. Also, to mention that they sent the companies a request of my report and the companies fail to provide evidence that I have authorized the inquiry for example, in report XXXX 

I have contacted the companies on my inquiries but due to that they are soo BIG.. They lack to provide me evidence of my inquiry.
Product: Mortgage

MY CONDO XXXX   XXXX IS LOCATED ON THE XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND THE MORTGAGE COMPANY AGREED AS A ONE TIME COURTESY TO REMOVE THE {$140.00} FORCED PLACED INSURANCE PREMIUM SINCE I ALWAYS PAY MY FLOOD INSURANCE ANNUALLY AND I NEVER HAD AN ESCROW ACCOUNT SINCE I OBATAINED THIS LINE OF CREDIT FROM XXXX XXXX  XXXX AND I ALWAYS PAY MY PROPERTY TAXES ON TIME. THIS OVERPRICED FORCED PLACED INSURANCE IS PUTTING ME IN XXXX WAY VIOLATING BANKING RULES.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from report, they are hurting my ability to obtain credit.
Product: Debt collection

I was sent a bill for XXXX bill was never reported to my insurance company
Product: Credit card or prepaid card

Beginning in XX/XX/2019, Cit began failing to issue conditional credits for disputed transactions on my statement held me accountable for the billing dispute amounts in full in the following ways : 1. ) Citi charged me interest on the entire statement balance each month despite having paid the balance in full minus the disputed amount. Cit then proceeded to refund the interest for the disputed charges alone after finalizing the investigation and issuing permanent credits. 
2. ) Citi reported the balance including the charges in dispute to all three credit reporting agencies, as being a debt I owe.This had the additional negative effect of lowering my credit score. 
3. ) Citi repeatedly sent me notices my balance was over my credit limit, despite this only being due to the disputed transactions which Citi failed to issue conditional credits while conducting their investigation. 
4. ) While reporting and contacting Citi in regards to the billing disputes, Citi dispute resolution agents and management repeatedly argue, trying to justify why the disputed charges are valid, making broad assumptions. This process has become so mentally draining and time consuming. Citi Dispute resolution agents on several occasions have even yelled and screamed at me, placed me on extended hold times over an hour at a time waiting for a supervisor only to report there are none, hung up on repeatedly and transferred to other departments without warning simply to avoid having to correctly processing a billing dispute as required by law and the XXXX interchange agreement. It is routine to receive conflicting information as well as false and misleading information from these agents in attempts to prevent having to properly handle the dispute. 
5. ) After receiving multiple letters of the billing dispute resolution in my favor and the conditional credits being permanent, Citi will re-bill for the billing disputes. Usually they are for the identical amount disputed and labeled R- bill. Usually the re-bills are shown with the same transaction and post date. However, on at least one occasion Citi has charged me a different amount, with a different post date, for credits which they state are permanent, 3 to 4 months afterwards. Of course Citi charges interest retroactively for these re-bills which violate federal regulations, their written agreements, timelines allowed to re-bill. 

All my claims can be supported and backed as all phone interactions with Citi have been recorded which I am in possession of. I am more than happy to make these as undeniable evidence and proof of Citi 's many violations. 

These actions repeatedly show Citi has continually acted in bad faith by violating terms outlined in the member agreement.This places In addition to routinely being in breach of the contracted terms, Citi 's actions are also violates the Fair Billing Practice Laws and Deceptive Trade Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX and XXXX are reporting a Bankruptcy as a public record falsely. File date XX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit card

Today on XXXX XXXX/XXXX/2016 i saw an inquiry on my credit score, with a company name it CBNA XXXX XXXX XXXX, XXXX XXXX, XXXX wich they did a hard pull. 
i did never authorize any inquiry or soliciting any service from this company. please i try to fix and get back with my credit and mistakes or fraudulent operation can hurt people like me trying to fix our credit scores.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account reported a late payment back on XXXX. This issue already got fixed by the store but only for XXXX. Please check your records and find this complaint in which you find an error and apologized for the late payment being reported. You stoped reporting this late payment only for XXXX but Equifax and XXXX still reporting it. Please update your XXXX ( XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$8500.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$14000.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I received a derogatory hit on my credit report from AWA collections. They said its for an outstanding debt from a dental supply company ( orascoptics? ) Im not in the dental field!!! I never applied for any loan or credit with these people either. 
I was unable to resolve this with AWA and orascoptics never replied to my attempts to contact them. 
I am in the process of selling and buying a home, so this is not good right now. 
Can you resolve this in a timely manner pleeease, or tell me what I should do. Isnt this illegal?? 
This is already annoying me ... I shouldnt have to go out my way and waste my time for a fraudulent report. 
Thank you!
Product: Vehicle loan or lease

On XX/XX/21 a payoff check was sent to Ally in XXXX, KY by XXXX. Ive notified XXXX representative XXXX on XX/XX/21 & XX/XX/21 regarding the check was sent, provided the check # and the amount so it could be applied to my account. I spoke to XXXX XXXX XXXX on XX/XX/21 regarding my payment hasnt been posted to account and by not posting the payment to my account right away is preventing me from getting another loan due to this loan is still open and its almost time for another payment thats due. I notified Ally on last week that I sold the car on XX/XX/21 and provided them with the name of the company that bought my car. Per the XXXX XXXX she will send a letter to corporate to see if they can locate the check. I called Ally today XX/XX/21, spoke to a Representative name XXXX. Per XXXX, XXXX is in a meeting and I cant speak to her. I tried to XXXX the Corporate office phone # which gave XXXX that is not a working #. I located another ph # to file a complaint which was XXXX. That ph # wasnt for corporate but reached a representative name XXXX in Canada. I was transferred to another Representative name XXXX which stated he could not locate my account with my social security # and that I reached Ally and not XXXX. Ive called XXXX ph # XXXX which is the same ph # where I reached The Representative XXXX, XXXX and Supervisor XXXX. I received a called back from XXXX around XXXX today XX/XX/21 which she left a message saying she was going to email me with status. I received the email today XX/XX/21 from XXXX which she states she XXXX hasnt replied and she was going to email them again. Per Representative XXXX by phone on yesterday XX/XX/21, since the check was sent to XXXX, KY theres no account for them to post the check to so Corporate will have to locate the check and when the check is cash in XXXX, KY, the department will have to reissue another check to Texas. This will cause more delays if this happens! It appears that No one is trying to locate my check to apply to my account.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education and all 3 credit bureaus along with Nelnet continue to report older information over 8 years old that has been paid/closed/settled for 7 years or more. I want these items removed.
Product: Money transfer, virtual currency, or money service

My dog was with XXXX XXXX for about about a week before he almost died in their care. I received a call on Friday morning ( XX/XX/XXXX ) from XXXX saying that my dog was unresponsive and had XXXX  XXXX and he had to be taken to the vet for care. Later that afternoon I received a call from her and was told that my dog may have gotten " a little too hot '' while on a walk the previous day and that was the cause of his XXXX  XXXX. I was then told by the vet that my dog had a XXXX  XXXX on a walk with XXXX on Thursday and that the XXXX  XXXX caused a chain of reactions with my dog 's health and in addition to a XXXX  XXXX he now had to battle a XXXX XXXX and XXXX which is a XXXX XXXX XXXX which has a bad prognosis and almost killed him. My dog is now in a state where he barely walks and will take several months to make a full recovery. Now after all of this and with my dog back in my care after a week with her she refuses to give me my money back. She also blaims his issues on his " poor health '' from a bad diet but refuses to acknowledge that the initial reason he went in there from a XXXX  XXXX that was caused by her exposing my dog to sun for too long without taking care to make sure he didn't get too hot. All I want is the money that I paid for a service that I didn't get back and she refuses to give me my money back or make things right. So I had to file a dispute on XX/XX/XXXX with my bank ( Ally ). The transaction was made for {$3500.00} on XX/XX/XXXX. My bank closed the dispute on XX/XX/XXXX saying they couldn't get the funds from the merchant but the merchant is saying the funds were taken from their account already. They showed me proof it was taken out on XX/XX/XXXX. My bank is saying they tried to take the money from the merchant but they weren't able to but the merchant is saying it was taken out and their bank told them that the dispute was closed and their is nothing that they can do. I just need clarification on where the funds went and who has what and see how I can get my money back. Because I'm not sure if I was lied to or if {$3500.00} just disappeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. 
Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX { acctdetails.phone } } Date Opened XX/XX/XXXX Responsibility Joint Account Account Type installment Loan Type AUTOMOBILE Balance {$72000.00} Last Payment Amount {$1500.00} Original Amount {$78000.00} XXXX. 
Account Number XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX acctdetails.phone } } Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type XXXX XXXX Balance {$700.00} Original Amount {$700.00} Original Creditor XXXX XXXX XXXX XXXX XXXX Past Due {$700.00} These 2 accounts were opened despite freezing my credit online through XXXX, XXXX, and Experian on XX/XX/XXXX. These accounts should have never been opened. A lady consumer advocate or something from XXXX told me on XX/XX/XXXX that she would fix the situation when I notified her that XXXX XXXX credit monitoring service alerted me that someone is trying to apply for a loan at XXXX Bank. She told me to freeze my credit online with XXXX, XXXX, and Experian. I immediately went online and freeze my credit on the same day.
Product: Credit reporting or other personal consumer reports

Transunion hasnt exercised due diligence in the handling of accounts via the accuracy, and timely reporting of account information. 
Under the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), Transunion is required to verify, through the physical verification of the original signed consumer contract, any and all accounts reported on a credit file. It is my understanding that failure to positively verify the legitimacy of an account with proper documentation means the account can not legally remain on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally noted my account as 30 days delinquent. I have never had issue with payments 30 days late being noted as delinquent on my credit report, as I keep the account current. Not only that, but I have also been trying to work with Ally on deferring payments due to COVID-19 hardships, where each request has been denied. They will have this on record. My issue is that I have never had a 30 day delinquency with them, and if this were to change, I should have been contacted and informed of that. I have been a loaner through Ally for years, but this is an issue that is encouraging me to refinance my vehicle.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX On XX/XX/XXXX Credit Card Opened by the Thief {$900.00} Company or Organization : XXXX XXXX On XX/XX/XXXXXXXX  {$300.00} Fraudulent Auto Loan Company or Organization : XXXX XXXX XXXX XXXX On XX/XX/XXXXXXXX  {$43000.00} Fraudulent personal Loan Company or Organization : XXXX XXXX XXXX XXXX On XX/XX/XXXXXXXX  {$1300.00} Fraudulent credit card Company or Organization : XXXX XXXX XXXX XXXX On XX/XX/XXXXXXXX  {$700.00} Company or Organization : XXXX XXXX  On XX/XX/XXXX {$8300.00} Company or Organization : XXXX XXXX On XX/XX/XXXX {$14000.00} Company or Organization : WORLD ACCEPTANCE On XXXX  {$580.00} A FTC Identity Theft reprt was filed for all accounts. A affidavit will be attached.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXXXXXX 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. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this