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

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

As of XX/XX/2022 I have attempted to get Bay Area Credit to provide me with proof that i am in fact that the correct consumer who they claim owe {$530.00} per receipt forwarded to me by them but that does not constitute as a contract or any verification according to the Fair Debt Collections Practices Act ( FDCPA ). They continue to report this false information on my credit profile, to which has caused me continuing credit issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

experian refuses to take off fraudulent accounts off of my credit report.
Product: Debt collection

On XX/XX/2015, my husband and I received a Notice To Impose Claim in the amount XXXX and took the deposit of XXXX for a final water bill of {$100.00}, carpet replacement XXXX, XXXX trash removal of XXXX couches left outside of apartment, XXXX steam clean title, XXXX Rent credit for a balance due of {$1300.00}. We were told in the notice if objected with the balance to write them in writing within XXXX days. I responded to their charges informing them in writing that we did not agree with certain charges such as the removal of the sofa, steam cleaning the tile and replacing the carpet and to use the surety bond to pay for the water bill which was explained to me as my deposit they can claim against if need be after moving. We never received there response and instead received a letter to pay the amount of XXXX and a separate debt collection of XXXX dollars for the surety bond. I called and spoke to a rude and non sympathetic woman by the name of XXXX XXXX in regards of this matter and explained to her the same information back in XXXX in regards to the amount of XXXX. She refused to hear what the issue was and stated we should have scheduled a walk through upon moving out the apartment. I explained to the woman that per the lease we were entitled to the walk through but was denied a walk through the day my husband came into the office to report someone had placed couches outside our building and did not want to be accused they belonged to us. I called this morning about the debt in the amount of XXXX and the same debt collector in regards to the XXXX because it has been reported to my credit report without any consideration of what I disputed. I do n't believe its fair to make someone pay for something they are not responsible for and without any evidence showing that we were responsible to replace their carpet or pay for removing items that did not belong to us especially without evidence. I lived in that community over 4 years and they have never provided a walk through for any tenant who lives there before moving out. I feel like they have taken advantage of us and now is out to ruin my credit. XXXX XXXX even went as far as saying to me this morning to say if you are not calling NCAC to pay this debt then there is no further discussion, this debt will just remain on your credit report for 7 years. I ffeel like the property management company XXXX XXXX managment did not have adequate information to or legally charge us with a debt without verification and validation as they are suppose to provide. It is unfair and unjust for any company to abuse their power to gain money by reporting debt that has not been legitimately verified. I 'm sure we are not the only ones that have been treated this way.
Product: Credit reporting or other personal consumer reports

I sent a letter to Teletrack llc in reference to opt out of sharing my personal information to creditors or financial institutions. I have to right to opt out as a consumer. Teletrack llc has violated 15 USC 6802 Disclosure of Personal information.Besides due to data breach I have been a victim of identity fraud and I have been harass by different banks and debt collectors for debt I have no knowledge about and Teletrack llc are making my life a living hell, I can't sleep even at night I get flooded with harassing calls and text messages.
Product: Credit card or prepaid card

I applied and got approved for a first digital card. I gave them my address in Montana because I am a travel worker. 2 months later my card still hasnt arrived. I requested a new one and they assured me that it would be here within 14 days. Still no card. I have until this month to activate a card before my account gets cancelled and they steal my membership fee and annual fee. They are aware of this situation, and chose to do nothing about it. Upon my last complaint I was told I could cancel my account with the card numbers on the card provided to me. No card was provided! They are literally stealing my money and trying to get away with it! They reached out to me on XX/XX/XXXX with the cancellation suggestion and I cant even navigate the phone menu because I dont have a card! And I was assured on XX/XX/XXXX I would receive my card in 14 days
Product: Mortgage

Set up 2 payments to get current and the bank is still harassing us and making threats. Im a XXXX XXXX XXXX veteran of the United States XXXX. I have scheduled payments, not sure what the issue is, bank is even harassing us on a Sunday!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX reporting 9 missed payments. Months are inaccurate. Company ignores my evidence. Monthly payment is {$260.00} a month. Payments were not 30 days late. If payment is due the XXXX and I pay the XXXX that should not be reported.
Product: Debt collection

This company has been continually harassing my wife and I, despite the fact that this debt was not owed and this issue was discussed and settled with the XXXX XXXX XXXX  4 years ago. We do not owe the gym money, we never owed this amount shown and we resolved this years ago. 

XXXX ______________________ NATIONAL RECOVERY AGENCY XXXX XXXX XXXX, XXXX, PA XXXX Toll Free : XXXX www.NationalRecovery.com XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX NRA ID : XXXX Statement Date : XX/XX/XXXX Total Due : {$390.00} Dear XXXX XXXX, Your account is still outstanding. Your immediate response to this correspondence will allow us to help you resolve this matter. 

Creditor Creditor Account NRA Account Number Date Amount Costs Amount Owed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} {$0.00} {$390.00} Unless you dispute this debt, your payment should be made directly to this office. Please choose one of the following methods of payment. 

To pay online please visit our payment portal at XXXX : XXXX XXXX NATIONAL RECOVERY AGENCY XXXX XXXX XXXX XXXX XXXX, PA XXXX Toll Free : XXXX www.NationalRecovery.com XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX NRA ID : XXXX Statement Date : XX/XX/XXXX Total Due : {$390.00} Dear XXXX XXXX , Your account has been forwarded to this office for collections. 

Creditor Creditor Account NRA Account Number Date Amount Costs Amount Owed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00} {$0.00} {$390.00} Unless you dispute this debt, your payment should be made directly to this office. Please choose one of the following methods of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor did I benefit from the below listed inquiries. Whoever authorized these companies to access my consumer report and place these hard inquiries is in violation. I am reporting them, and I want them blocked and removed from my consumer report. 

XXXX  XXXX XXXX - XX/XX/2022 XXXX XXXXXXXX - XX/XX/2022 XXXX XXXX  - XX/XX/2022 XXXX XXXX XXXX  - XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX  XXXX XXXX balance {$2000.00}, XXXX XXXX XXXX XXXX {$280.00}, XXXX XXXX XXXX balance {$17000.00}, XXXX XXXX XXXX balance {$6500.00}, XXXX XXXX balance {$4800.00}
Product: Credit reporting or other personal consumer reports

The consumer reporting agencies, Experian, XXXX and XXXX have not responded to my dispute after I have tried to let them know that they are furnishing inaccurate information. According to the law 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

The Consumer reports must be accurate this is law! I sent out my dispute on XX/XX/2023, and they did not respond and did not delete the inaccurate information off my consumer report.
Product: Vehicle loan or lease

The company was notified on, XX/XX/2023, XX/XX/2023 and XX/XX/2023 Via certified and registered mail. regarding notice to provide all documentary evidence from the public and private side from the XXXX per the XXXX accounting principles generally accepted in the XXXX. XXXX has no knowledge of nor has XXXX ever revealed or disclosed to XXXX never intended to agree to or consented to any trust relationship or creation of trust between XXXX and XXXX. CIG Financial is participating in deceptive contracts that DO NOT comply with TILA, BILL OF RIGHTS, BILL OF EXCHANGE ACT OF 1882, 12 USC 5531 ( D ), 15 USC 1962E FALSE OR MISLEADING REPRESENTATIONS, 12 USC 1431, 12 USC1435. According to the regulations set forth by the Federal Communications Commission ( FCC ), I am entitled to request and receive a physical, signed copy of the contract in question.

In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services. 

The lender has failed to comply with all attempts to rectify the situation and has continued to harass and threaten to take the vehicle. 

This is a breach of contract and an adverse action for exercising my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my EQUIFAX credit report I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must REMOVE all negative and adverse remarks. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts listed above. 

Please be aware that all negative remarks found on my credit report are violations of the FCRA and FDCPA when you can not furnish the validity of the remarks. I am not in dispute of the ownership of the accounts but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the accounts from my credit report. 

Sincerely, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserve
Product: Credit reporting or other personal consumer reports

I used XXXX 's XXXX form to see if I had any pre-qualified offers. The form clearly states " See if you're pre-approved with no impact to your credit score '' and the fine print states " There is no hard inquiry to your credit report to check if youre pre-approved. If youre pre-approved, and you move forward with submitting an application for the credit card, it will result in a hard inquiry which may impact your credit score. Receiving a pre-approval offer does not guarantee approval. Applicants applying without a social security number are not eligible to receive pre-approval offers. Card applicants can not be pre-approved for the XXXX XXXX XXXX. '' I only checked to see if I was pre-approved, and did NOT apply for any card itself, nor did I authorize to apply for a card, yet I received a HARD inquiry on my Experian credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681o, regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting incorrect information on my credit report & the failure to investigate these disputes, and failure to correct inaccuracies after notice As a consumer, I am entitled to accurate information on my credit report and to be informed of any updates or changes. However, despite my prior communication and dispute filed on [ date of previous dispute ], the issue has not been resolved within the required timeframes, and the incorrect information still appears on my credit file. This failure to properly investigate or correct the information is a violation of the FCRA. 

Pursuant to FCRA Section 1681o, I believe I am entitled to damages for the harm caused by your failure to comply with the statutory obligations of investigating and correcting the erroneous information. This negligence has resulted in damage to XXXX XXXX & denial of credit. 

I demand that this matter be rectified promptly. Specifically, I request that : 1. The incorrect information be investigated and removed from credit report.

2. A full written explanation of your findings be provided.

3. Any and all reports reflecting the incorrect data be updated.

I expect this matter to be resolved in accordance with FCRA guidelines and within the required XXXX timeframe. 

Please confirm receipt of this letter and the actions you will be taking. I look forward to your prompt response. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$20.00}
Product: Credit card or prepaid card

I ordered three items from the Google XXXX using my XXXX/ GOOGLE credit card. The order was placed XX/XX/XXXX. The order was supposed to arrive XX/XX/XXXX. The order status states " Your shipment was delayed. We're working to get it to you soon and will email you when it's on its way. '' For this reason I called to inquire about my order. No information was able to be given. I then explained I need to cancel the order. To my surprise they told me they have no way of cancelling the order. 

Google, the provider of internet services across the world, doesn't have a simple way to cancel an order? Of course they do. They are relying on your busy schedule so they can ship at will, disregarding any ETA originally displayed when the order is placed, and hope that you will just keep the items you bought since they 'finally arrived '. 

Not acceptable! This is taking advantage of the consumer. They have charged my credit card, promised a ship/arrival date, missed the ship/arrival date, can't provide me any info as to what is going on, and ... .. won't refund my money/cancel the order. 

Their solution is to wait until they have their XXXX figured out, get it shipped out to you, then have me the purchaser use my time and energy to ship it back to them. No way! 

Prompt attention to this matter is needed. I simply want my order canceled without having to babysit the front door for a package that MAY arrive at ANY time from Google, only to have to deal with re-shipping it back to them .... all when I should have been able to cancel the order with a simple phone call.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I encountered an issue with XXXX XXXX XXXX regarding my XXXX rental deposit. The problem began when a account balance was sent over to XXXX XXXX XXXX, from the XXXX XXXX for XXXX stating that myself XXXX XXXX, and my daughter XXXX XXXX, and Husband XXXX XXXX XXXX owed this balance for trumped up charges for apartment renovation and other Misc charges. We we're giving a 30 Day XXXX XXXX to leave the Unit located at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX on XX/XX/XXXX to be out of the Unit after a failed eviction attempt by the defendants. 

We we're out of the unit as required by law, on XXXX. XXXX. XXXX. 30 days after we received a notice from XXXX XXXX stating we owed this balance instead of returning our {$300.00} deposit. So, we took them to trial, Date of Incident : XX/XX/XXXX ( Trial ) XXXX Judgement was awarded to us by the court for return of our rental deposit, and the defendants counter claim for XXXX was for violating XXXX XXXX XXXX pursuant to XXXX The initial XXXX on was also unfound due to the defendant 's inability to provide legal receipts for the renovation and other charges. 

I then sent the court Judgement certified mail to XXXX XXXX XXXX, and they mailed me a notice stating that they did an investigation and decided that we didn't provide anything different and that they we're still going to report this on our credit until their employer advise them to remove it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$15000.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$13000.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$14000.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX  Account Number : XXXX Balance : {$8900.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX Account Number : XXXX Balance : {$0.00} Reason : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. 

Account Name : XXXX Account Number : XXXX Balance : {$4100.00} Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.
Product: Credit card or prepaid card

I missed a payment on our business credit card ( # XXXX exp XX/XX/XXXX ) after the legacy BB & T online banking site was converted to Truist. A scheduled payment did not transfer when the data was moved resulting in a {$39.00} late fee charged on XX/XX/XXXX. Text from an email sent by Truist on XX/XX/XXXX states " Well also refund certain fees you XXXX experience during the transition. '' I sent an email on XX/XX/XXXX to my local branch XXXX in XXXX XXXX, SC, XXXX XXXX, to request assistance with this issue and several others. I received a response from her on XX/XX/XXXX indicating that she would look in to getting the fee reversed. I did not receive an update. I sent another email to her on XX/XX/XXXX and never received a response. A friend who worked on the merger for Truist forwarded my email thread outlining a number of issues including this XXXX to XXXX merger leaders. On XX/XX/XXXX I received a voice mail from XXXX XXXX who indicated that he was assigned to my case with ( # XXXX ). I called and left messages on XX/XX/XXXX, XXXX and XX/XX/XXXX and have received no call back. I have also filed complaints with # XXXX and XXXX for reference.