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

This is my fourth endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX XXXX Balance : {$4700.00} XXXX  XXXX Balance : {$11000.00} XXXX  XXXX : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX  XX/XX/2022
Product: Debt collection

I have received a derogatory mark on my XXXX credit score from CBCS for the collection of {$140.00} ; account opened XXXX XXXX, 2017. Though this mark shows up on my credit score history, I have yet to receive any paper documentation from the company explaining what company I owe money to or a " Right to Despute '' letter for this debt. I would like to know more information regarding this debt so I will be able to have it paid and removed from my history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My Credit report show old collection which was close on XX/XX/XXXX. Since then no update has been happen, Even today its showing pending balance of {$3300.00}. Due to this my credit history is bad, and many time I rejected for personal and housing loan. Also paid almost 6.5 % interest for car loan. That time I was not aware root cause. 
Because of this issue I been denied for housing loan, in XX/XX/XXXX. That time house cost was XXXX, now same house cost increased to XXXX. Loan was denied at the time of disbursement, before that I paid initial token moth XXXX. After 2-3 months follow up I lost the deal. Since then I paid almost XXXX/month rent which is total close to 75000 plus. 
When I apply for personal loan then I realize the root cause of denial.
Product: Credit reporting or other personal consumer reports

I hope this message reaches you in excellent physical condition. 
I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made oy the obligor or a credit issued to the obligor on a statement. 
( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late a sign of an invoicing error -- therefore.

1 humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' :
Product: Credit reporting, credit repair services, or other personal consumer reports

Started calling Experian at XXXX XXXX Pacific Time for help with temporary lift of Freeze on Credit Report. Last call was at XXXX Pacific Time. 
Called XXXX, XXXX, XXXX with NO luck getting thru since they offer NO agent help, and I just sold my home of 16 yrs in XXXX, moved to XXXX & bought new home, living in rental during Contractor renovations on new home, and my profile responses no longer fit there records due to moving, so they keep instructing me to write to XXXX Texas to life a Temporary Freeze.

They changed their system & no longer accept the original passwords and PIN I had.

Experian should not be handling Credit w/o live agent help! 
I need to lift my freeze to apply for cable services in XXXX. 

Contrast with XXXX who offered live agent help to lift freeze today.
Product: Credit reporting

I downloaded my free/annual credit reports. I chose to ask for a " free '' credit score from Transunion. I had to complete several pages of questions and no price was listed. I received the XXXX score, but I found XXXX charges totaling {$30.00} on my credit card statement. I called the customer service number within 24hrs ( XX/XX/2016 ) and told them I did not want their whatever service. The money was credited back to my account by XX/XX/2016. I notice on XX/XX/2016 that the credit had disappeared. I called again on XX/XX/2016 and they reaffirmed that the account was cancelled, but they would not return my money. I asked nicely nicely and quietly times, but toward the end of the conversation I called " Supervisor XXXX '' a liar, cheat, thief and she would go to prison and have her children taken away by social services. I also reminded her that I had cancelled the contract within 24 hours and she was " breaking the law. '' I doubt if she cared since it was blatantly obvious that she was not in XXXX XXXX. State, Federal, and their own policy allows me to cancel within an allotted time period which I did. I have a printout of the initial credit to my account which has now disappeared. I did not want their year long service and the cost was never listed and the " FREE '' disappeared. I was told that I received XXXX credit scores which I DID NOT RECEIVE. This is a deceptive scam and should be stopped. Thank You
Product: Payday loan, title loan, or personal loan

I have contacted Enerbank repeatedly, on multiple forums, asking them to mail me my full account balance monthly. They repeatedly refuse this request. They only mail me my principal balance, and they state they will not mail the total balance because interest accrues daily and the balance changes. But they are completely fine with only mailing me my principal balance. The only way to get total account balance is to either call them during THEIR business or by filling out a form online, for them to contact me back at THEIR leisure. I have called them on the phone, they refuse. I have emailed them, they have refused. I have filled out the form online, they have refused. I have filed a complaint with XXXX XXXX XXXX, they have refused. I have filled out reviews on XXXX and other financial webpages, they have refused. They have shown repeatedly they will not do what their customers want, which is extremely basic. People in the XXXX, XXXX, XXXX, XXXX ... and on have received mortgages, car loans, and other loan total balances on monthly statements. Enerbank refuses this repeatedly. People have been requesting account balances or even statements online for 9 years on review sites, and Enerbank refuses, saying " soon. '' 9 years and still no resolution is " soon '' according to Enerbank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX  in XX/XX/XXXX to inquire as to why Car Max Auto Finance was reporting my account as late, when I have documentation from Car Max Auto Finance that my car was paid off in XX/XX/XXXX.  Now, report from XXXX  shows account as " charged off '' as of XX/XX/XXXX. How can you " charge off '' an account 120 days after you sent correspondence to your customer that the account was paid in full. Account show paid in full with XXXX balance on XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

I have contacted Experian numerous times over the last year via disputing on their site through their portal, sending certified letters and now im am having to resort to contacting regulators. I have multiple items on my credit report that are incorrect from apartment collections, credit card collections, inquiries and more. This is outrageous, abusive AND deceptive. I have suffer immensely over the last year because my creditworthiness and reputation has been so badly injured. I can't get any loans, credit cards NOTHING to support my family because Experian refuses to do its job. I have had to reach out to each company furnishing my information and have already uncovered ONE case of fraud on an account that Experian REFUSED to investigate or reinvestigate. I was never provided any proof this debt was valid yet it came back valid everytime. This is out of control and you are not holding up your part to make sure my report is at maximum accuracy. Despite me reaching out over and over again I have had to essentially do your job. I will need ALL inquiries removed up until XXXX XX/XX/ I did not authorize these. Any collections that have occurred up until XXXX needs to be deleted unless a FULL investigation is actually performed and I will require ALL neccessary documents or I will be lawfully handling all situations moving forward. All closed accounts, collections and inquiries need to be removed NOW! I have attached one of my findings that I had to remove on my own. If I have to continue this process of removing each item on my own, one by one, I will. This will result in legal action against you. NO more. You will uphold your duties or you will be held under the law!
Product: Checking or savings account

I have Capital One checking account. On XX/XX/year>, I accidently sent {$220.00} to the wrong person with XXXX Transfer. That same day I called the bank and let them know what happened. They said they would " investigate '' my claim. ( I'm sure they didn't do anything ) On XX/XX/year> the bank sends me an email stating my claim is denied because " The payment was processed according to your payment instructions ''. I called the bank back to dispute their decision and I was told I can submit a letter of appeal. I submitted the letter of appeal on XX/XX/year> via email. I had to wait 15 days until a decision was made again. I called them back again on XX/XX/year> because they never contacted me. They told me that that their decision was the same, Denied.
Product: Credit reporting or other personal consumer reports

Dear XXXX, Transunion and XXXX I am writing to dispute the following information on my credit report. I have reviewed my credit report and found an error in the information related to a collection account. Please see the details below : Account Number : XXXX Creditor : XXXX XXXX  Balance Owed : {$510.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX I believe that this information is inaccurate for the following reasons : I have never had an account with this creditor. I am a victim of identity theft. 
To support my claim, I request the following documents you obtained to verify that this is valid. 

According to the Fair Credit Reporting Act ( FCRA ), you are required to see me documentation of your procedures and an updated credit report reflecting such action took. Please send me written confirmation that the requested corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account opened up in my name. This account is fraudulent and must immediately be removed from my credit profile. I am in the process of filing suit against the creditor. I am XXXX years old and I have no negative accounts on my credit report except for this fraudulent account. It must be removed immediately. 

1 ) XXXX XXXX Balance {$22000.00}
Product: Debt collection

Cramming charges were added to this bill. This charge does not represent actual amount owed.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Payday loan, title loan, or personal loan

I received a loan from Cash Max Texas located on XXXX XXXX XXXX in XXXX XXXX Texas. 

Before I made my1st payment I was told to call and theyll tell me how to make the payment. 

I was told via phone to click on refinance and make the payment that way. I made payment and balance went down from {$500.00} to {$400.00}. Logged in next day and balance was back up to {$500.00} Was told by rep that interest that hasnt accrued yet it sue when I make payment in 2 weeks. 

2nd payment 2 weeks later. Clicked on refinance made payment. Lon amount went down to {$400.00} again and then signed new loan document thinking getting monies from refinance and logged in next day and called rep at store and the balance went back up. To {$500.00} and new loan document from online is vanished. 

Called same day and asked to speak with corporate apple with someone on XXXX from corporate finally and was told that refinance for them is only extending the payment timeframe to 72 hours to make payment in full. 

Advised corporate this process is not customer friendly or clear and concise and will eventually cause more debt than anticipated. 

There has to be some kind of standard process that can be done as this is not fair debt collecting practices. 

Pleas please help
Product: Debt collection

Today I got a third party collection letter for an alleged XXXX marketplace transaction for {$7.00} and a fee of {$25.00} that I do not owe. 
I have spent XXXX of dollars at XXXX over the years and recently had to close my account due to horrible customer service but I never had an outstanding bill of XXXX and always paid for all my orders. Why would I default on {$7.00} that is ridiculous and why would I be charged {$25.00} fee for something not mine. 

I never received any notification or bill from XXXX concerning this matter period and in order for something to go collections it has to be not paid first. 

I am disputing this debt entirely and want validation of the debt with : Full original purchase agreement or debt assignment. 
Proof of purchase including wet signature. 
Contract for purchase Proof that this debt wasnt already paid as I have no outstanding debts and my account is closed and they could not close it without it being in good standing, period!
Product: Credit reporting or other personal consumer reports

I recently checked a copy of my credit report and I'm horried and shocked that I'm a victim of identity theft. I found many accounts and hard inquiries on my credit report that were not open by me. This is hurting me very much because I'm in the important process of getting a house for my growing family size, my ancee, and my daughter. This is also hurting me also to get my daughter a car for school and work. Please remove and delete the fraudulent accounts and hard inquiries from my credit report as soon as possible. 
( Hard Inquiries are listed below. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Greetings, I am filing this complaint to dispute an inquiry that a credit union incorrectly made on XX/XX/XXXX. 

In XXXX, I applied for a credit card with First Tech Federal Credit Union. First Tech approved my request and sent me a new credit card, which I have been using ever since. The credit union then erroneously made a second inquiry into my credit report on XX/XX/XXXX. Today I received a letter saying that, after making the second inquiry, they rejected my alleged request for a loan. 

I never filed for a loan from First Tech ( or any other entity ) and did not request a second credit card or any other line of credit from First Tech. I only made the initial request for the approved credit card.

I called First Tech to dispute the second inquiry, but a representative told me they have no way of removing it from my credit report -- which is not true, from what I know. The rep also said they treat the terms " credit card '' and " loan '' synonymously, and he hung up on me. 

I am seeking help removing the second inquiry from my report as it has adversely affected my credit score. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late payment : XXXX XXXX XXXX XXXX collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Personal Information : XXXX : XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX  Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous XXXX ( XXXX ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contesting any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I have given you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I have not received any proof of the verification of these accounts. Please delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

These following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, 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 I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. 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, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, 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
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 and 60 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told when applying for a mortgage that I had debt on my credit report. I shouldn't, because I don't owe any money. I was told to contact Transunion. I did, and they weren't able to tell me what the debt was allegedly for, except that it was medical. I don't owe any money for medical debt. I haven't been to the doctor since I was a kid. They told me that they contacted the company claiming I owe them money. They said the company told them the debt was accurate. That was the extent of their investigation. I shouldn't have to pay other people 's debt. Someone else 's medical debt shouldn't prevent me from buying my home.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding unauthorized credit inquiries that appear on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I formally requested an investigation into the inquiries in question and demanded that they be removed from my report if they were found unauthorized or in error. 

To date, the resolution provided by your office has been unsatisfactory and has failed to adequately address the issues raised in my initial dispute. I am therefore disputing the following unauthorized Disputed Inquiries : XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal requirement under the Fair Credit Reporting Act. The company did not conduct a reasonable reinvestigation of disputed information on my credit report, which left me with inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has not corrected nor removed the items that I have disputed items despite the evidence I provided causing ongoing harm to my credit profile. I am requesting immediate action to correct my disputed accounts because Experian actions violates federal law and my right as a consumer.