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

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed below. I am a victim of identity theft and did not make the items nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged items showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$7500.00} ; DP OF EDUC XXXX Balance : {$9100.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$4500.00} ; DP OF EDUC XXXX Balance : {$3200.00} ; DP OF EDUC XXXX Balance : {$6100.00} ; DP OF EDUC XXXX Balance : {$8800.00} ; DP OF EDUC XXXX Balance : {$5000.00} ; DP OF EDUC XXXX Balance : {$3700.00} ; DP OF XXXX XXXX Balance : {$2400.00} ; DP OF EDUC XXXX Balance : {$6600.00} ; DP OF XXXX XXXX Balance : {$17000.00} ; Medical XXXX Balance : {$100.00} ; XXXX  XXXX XXXX Balance : {$390.00} ; XXXX  XXXX XXXX Balance : {$490.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to communicate through Attorneys to resolve the inaccurate information on my credit report with XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX/ XXXX XXXX  Duplicate accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX/ XXXX XXXX reneged on our agreement and continued to allow the inaccurate Duplicate information to be reported by XXXX XXXX and XXXX XXXX companies, which consist of duplicate accounts with different account numbers. 1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. I paid {$260.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. I paid {$200.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** 3.XXXX is a agency assigned by XXXX XXXX  and XXXX XXXX to handle this account # XXXX. I paid {$130.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. ***Paid in Full Letters Provided*** XXXX XXXX and XXXX XXXX are duplicate accounts with different account numbers to deceitfully confuse the fact that these accounts are the same. ***
Product: Payday loan

On Loan me 's website it states get rates as low as 9.9 % APR 11.36 % but when I applied for a loan, I got the automatic deposit and my APR is 137 %!! I have made XXXX monthly payments and my loan amount has increased. I tried talking to a loan me specialist and they act like they are too busy to take my call. I walked into their XXXX location and the women I spoke with said she only works part time and can not help me. I have a photo of their online advertisement.
Product: Mortgage

I paid off my mortgage with DiTech when I refinanced XXXX XXXX, 2016. I have not received an escrow reimbursement check and have gotten a different answer every single time I have called and talked to a representative or supervisor. The first check was mailed on XXXX XXXX, 2016. I was told after 10 days if not received they would reissue. The confirmed last week that they reissued. Now they are stating they did not and will not consider it again for 30 days and if it happens again we will keep waiting over and over 30 days each time since they do not track the check.
Product: Student loan

I received a loan from ECSI under XXXX University initially in XXXX. I attended XXXX XXXX XXXX XXXX, Il from XXXX. I made payments of {$80.00} in school as I was able to do. As of XXXX, I made payments every month minus 2 months when billing issues with my debit account occurred. As of XXXX, my bill states that my account was current. As of XXXX, I received a bill that stated I was delinquent in my payments and was charged a XXXX late fee. I have continued to be charged a late fee of XXXX per month despite my automatic ACH payment of $ XXXX/month since XXXX. Additionally, no representative can explain to me how my account is 18 months delinquent and continues to be more and more delinquent although I continue to make payments. This has prevented me from allowing to list this account for loan repayment because it is delinquent although I make monthly payments higher than the required amount, monthly. Each time I ask for an answer, I am referred back to my school who does not hold this information. Lastly, if more of my payments were charged toward my principle each month, I would not be delinquent, I have been told that this is not an option, when, in the past, this was an option with paper statements.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are late though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices.
Product: Debt collection

Your records show that account number XXXX has a balance of {$85.00}, this account is fraudulent and I am requesting you to remove this from my credit file, the signature attached is not my signature I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file
Product: Vehicle loan or lease

Due to recently implemented 3rd party clause by Infiniti Financial Services, I am no longer able to trade my ( leased ) vehicle to any other dealers outside of XXXX. I was recently required to return to work and must drive the vehicle daily which will put me over the allotted miles before lease end. I want the ability to trade my vehicle for an electric vehicle and not be concerned about mileage.
Product: Credit reporting or other personal consumer reports

I need your assistance regarding this incorrect account appearing on my credit report. I'm raising this issue because it has harmed my reputation, and I need your help. Your mishandling of my credit report brought me to a difficult position ; your misreporting has damaged my reputation. These inaccuracies must be removed so I can live peacefully with my family.
Product: Debt collection

On XX/XX/2021 I had XXXX XXXX and was XXXX XXXX to the XXXX XXXX XXXX. I was in the hospital for a week. I am a 100 % XXXXXXXX XXXX and all of the bills that XXXX and contracted XXXX XXXX in the XXXX XXXX and hospital submitted, were paid. The air ambulance was paid, the ground ambulance, absolutely everything. This debt showed up a year later. The Dr who claims I owe this did not submit the proper billing to the VA and by the time they contacted me it was too late to file for insurance ( from what I understand ). Then this showed up on my credit report. I contacted the debt collection agency, Wakefield and Associates, multiple times requesting proof of debt, information to show they and the original debt claimer submitted to the VA. They have ignored me and I have contacted them four times. I have disputed the debt on the major credit bureau sites. It's still there.
Product: Debt collection

Amerassist Ar Solution is reporting a debt on my XXXX and XXXX XXXX report as being owed. I do not owe this company or have an agreement stating I owe this company. I would like to see proof of validation of the alleged debt. I have submitted disputes to XXXX for them to validate this debt and to provide the written and signed contracts reporting the debt that also verify and validate the amount owed and the accuracy of this reporting. I have attempted to contact this company plenty of times although have had no resolution. This company is violating FCRA consumer laws by reporting inaccurate and incomplete information across two of myreport. This is causing me emotional distress especially during this rough time. I am in the middle of filing a lawsuit if this is not deleted. I am requesting that this account be removed from all credit files immediately please. Thank you.
Product: Credit reporting

I have been working very hard to repair my credit with all XXXX agencies for two years! I have called, written, disputed and have completed everything all XXXX agencies have asked. I contacted XXXX XXXX and decided not to use their services as I have been following the exact practices myself. I have opened new accounts and all are paid as agreed. I have had derogatory items removed from all three reports. I currently only have XXXX derogatory accounts on my report, and XXXX are medical, with a total balance of under {$2500.00}. 
I have been watching my scores using the Annual Credit Report, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX through XXXX XXXX. 
After all of this, my score has increased only XXXX points! It hovers around XXXX and will change up to XXXX points per month without any additional credit activity. I feel all XXXX agencies are not giving me the attention deserved and are preventing me from purchasing a home and acquiring credit. 
I have reached my boiling as Every time I complete a task they require to raise my score, another issue seems to appear to prevent the increase. 
Any help will be much appreciated. 
Thank You. 

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

They are reporting a 90 day late payment for XX/XX/2020 when I paid on time in XX/XX/2020. How can I pay on time in XX/XX/2020, and then become 90 days late for XX/XX/2020? From my understanding, I would have to have been 3 months late to receive a 90 day late on my credit report.
Product: Credit card or prepaid card

on XX/XX/2022 at XXXX PST a fraudulent charge of {$900.00} was made on my CitiBank credit card by a fictitious business ( XXXX XXXX XXXX XXXX ) of XXXX XXXX OR with a stolen XXXX  and a cloned card that was " activated '' twice an hour prior. 

REPORTED the crime, Locked my account, and DISPUTED fraudulent charge with Card company same day, but later processed the payment and says a " XXXX XXXX '' was used, and erroneously claimed that I am responsible for the full amount, regardless. (?!? ) Red flags : ( XXXX ) that the " cloned '' card ( by Shimming or emulating a stolen XXXX number ) was activated twice at XXXX - and the {$900.00} charge an hour later- I reported the fraudulent charge with the CitiCard fraud Dept - and that my XXXX was locked in a safe and I was asleep, over XXXX miles away from said location when said transaction took place. 

( XXXX ) stolen card number was activated twice at XXXX - and a charge ( processed as " in-store '' ) was done at XXXX. 

( XXXX ) the fictitious business has no physical garage location - no listed number - no website - and no reviews ( online or otherwise ) - the business does not exist except on paper. 

( XXXX ) Investigation reported to Portland.gov - FTC XXXX Dept of Justice - Police Dept - State Attorney Generals Office - shows that the suspect ( listed owner of XXXX registered business ) has a string of felonies for XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of attempting to purchase a house my mortgage company attempted to receive my credit score from Equifax. They were unable to obtain it, due to an incorrect reporting of another individual using my social security number. I contacted them and attempted to fix this issue and did as I was instructed : submit a copy of my drivers license and social security card by fax as well as a cover letter stating why i was submitting these documents, and to whom they were being sent to. I submitted these documents Monday XX/XX/11 and was told it would take 3-5 business days. I then contacted them on the 3rd, 4th and 5th business days only to be told they do not have the documents and to resubmit them on those days. I have resubmitted these documents by fax multiple times and have confirmations of receipt by the number I have been given by the representatives. This process is greatly effecting my ability to purchase a house and I have done everything right. So Im just concerned about where my I formation is going and why this company can not fix this problem.
Product: Credit card or prepaid card

HELLO MY IS XXXX XXXX XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND THE SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS FRAUDULENTLY, ONE OF THE BANKS AFFECTED WAS THE CARD ( XXXX XXXX XXXX XXXX  XXXX ) WHICH CURRENTLY HAS A BALANCE OF {$0.00} THAT WAS OPENED AS A FRAUD, I DEMAND TO ELIMINATE THAT ACCOUNT ON MY CREDIT REPORT, I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS
Product: Credit card or prepaid card

I purchased furniture from Ashley Furniture and they opened 2 cards in my name. Each one had a credit limit of {$8300.00}. When I looked at the charges on line I noticed they over charged one of the cards {$11000.00}, which makes my card over the limit and shows I have - {$2600.00} available credit. On the other card they originally charged me {$3400.00}. They also had a charge pending of {$6400.00}. My total charge for my furniture was {$14000.00}. I called the sales person several times and she basically told me that it is in the hands of the store now and not to bother her anymore and even hung up on my one time. I have been on hold with the customer service who tells me I have to talk to the store directly. I have sat on hold several times for many hours. One time it was for around 4 hours and sometimes they just don't answer there phones, so the only department you can talk to is customer service. I have been told several times after I talked to someone that they are working on it and give it 72 hours. Nothing changed so I physically went to the store and spent 2 hours discussing this. When I got to the store they said this is the first they heard about this, so obviously they were just blowing me off. 
They acted like they were going to fix it. They are supposed to remove the {$6400.00} that was pending so I would have enough credit to move XXXX to the other card and then they would credit the card that was over the limit the {$3000.00} and it would take up to 72 hours. That was XX/XX/21 and now they have removed the {$6400.00} pending and added charges on XX/XX/21 which are pending of {$3000.00} and {$3000.00} so I am back in the same boat. I have been on the phone with them again and still no resolution. I am trying to refinance my house and this is damaging my credit. I don't know what to do. How to resolve this issue. I have been trying to resolve this since XX/XX/21. I am on hold with them right now trying to resolve the issue and have been on hold for over an hour so far.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am receiving emails suggesting I'm assisting credit repair companies, which is incorrect. I handle all correspondence personally. Please correct this issue promptly. Enclosed is a list of negative accounts and inquiries needing attention. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

XXXX XXXX is negatively reporting to XXXX and Equifax from an account that is 14 years old and was also included in my chapter XXXX bankruptcy that was filed XX/XX/2013. I know my bankruptcy is going to show for 10 years but XXXX is not allowed to negatively report separately from that. Also that old XXXX account is 14 years old and they are only allowed to negatively report for seven years in Oregon. I have disputed it over and over again and all they did was add some comments next negative reporting. By law this old XXXX account is supposed to be deleted but most importantly I am already getting negative reporting for the chapter XXXX bankruptcy which XXXX XXXX was included in in 2013 but they are reporting separately from that as well, which is hurting my credit twice for the same thing.
Product: Money transfer, virtual currency, or money service

I am a senior citizen and the victim of extortion twice : Once by the merchant and once by the finance company. Here 's my story : Merchant : XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX This plumber charged me {$8500.00} for a job that other plumbers charged me {$1500.00} to {$2000.00}. He pressured me to sign before the job was done by threatening to walk off the job. I signed under duress and will be filing a complaint with the Illinois Attorney General for extortion and violating Illinois Right to Cancel law. 

Finance Company : GreenSky XXXX XXXX XXXX, XXXX, GA XXXX, a unit of XXXX XXXX XXXX, an XXXX  XXXX. 
This company is committing fraud with their promotion program by charging a higher interest rate than stated, and colluding with merchants to defraud senior citizens. Im planning on contacting a knowledgeable lawyer to file a class action lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has ar itrairily added a fraud alert to my credit file without my approval, permission or request. This is preventing me from obtaining necessary credit. I have sent several letters along with the requested information to have this remived yet they refuse.