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

XXXX, SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC 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 XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX, SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently learned that my protected personal financial details including SSN, account information, address details, and more were improperly disclosed by Equifax on or about XXXX XXXX 2017. Equifax, by its own admission, disclosed this information to one or more parties who breached Equifax 's apparently paper-thin and entirely inadequate IT security protections.
Solely because of Equifax 's negligence in implementing and maintaining IT security protections, an alarming amount of my personal information is now available in public for criminals and others to misuse. I am extremely concerned about identity theft, financial fraud, and impacts to my businesses as a direct consequence of Equifax 's significant and profound negligence. 

It is crucial to appreciate that the impacts of this improper disclosure will last the rest of my life because the information Equifax improperly disclosed includes aspects of my life I can not readily or reasonably change, such as my SSN and physical addresses. When one combines that information with the information of my parents and wife ( which was also all disclosed ) you have a Perfect Storm for identity theft and fraud. 

It is alarming that Equifax failed to report or provide any information about this improper disclosure until six weeks after they became aware of it. They should have done their duty and timely informed consumers and law enforcement. In that basic responsibility they also failed. Worse : in the interim, it is reported that multiple Equifax executives sold company stock worth almost {$2.00} million dollars. All of that demonstrates Equifax 's true motivations and values : first they imperil consumers through their own gross negligence and then they reward executives who knew or should have known better - and who should have prevented the disclosure in the first place.
I Implore the CFPB to act decisively in this matter. By media reports, more than 140 million US citizens have been injured by Equifax 's failures.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I logged into my account online at experian.com. I then was greeted with a message stating Unable to Verify Identity. I was then prompted to call XXXX XXXX. I called the number as instructed. On the phone I spoke with a live agent. The agent instructed that I send a copy of documents to verify my identity to the address po box XXXX, XXXX, TX XXXX. I did that and waited 3 business days. I XXXX XXXX again. The agent on the phone verify my information with me through a series of personal questions regarding my credit report information. I asked the agent for their name I was given " XXXX '' .I also asked for an ID # from the agent, that request was denied. It is now XX/XX/2022 XXXX XXXX.I am in the process of purchasing a home and this issue with Experian is hindering the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved out of an apartment complex XX/XX/XXXX after breaking our lease early. We paid over {$4000.00} in fees to break our lease early, which I have documented proof of. In XXXX, the apartment complex reported to IQ Data International that we had : cleaning fees '' that had gotten sent to collections from said apartment. It lists that we owed {$150.00} in " housekeeping fees '' and {$120.00} for " carpet cleaning ''. Let me clarify, that I have documented photo and video proof that when we moved out the unit was in pristine condition, XXXX better than when we moved in. When we moved in there was old spider nests on the ceiling in our bedroom, broken window blinds in multiple rooms, and holes in the wall that were plastered over but never painted over again to match the walls & dirty, stained windows. It was disgusting and I have photos of all of it. Our unit was also 100 % hardwood floors, there is no carpet for there to be a " carpet cleaning fee '' for. As stated, I have documented proof of all of this. 

The complex also never even attempted to reach out to us regarding these cleaning fees prior to sending them to collections. When I reached out to IQ Data International to dispute these charges, they were absolutely no help. They screamed at me on the phone and laughed at me as well, I was almost in tears. When I asked for proof of this debt being owed, all they showed me was a receipt from the complex for the fees, not any actual proof of such damages.

I have been trying to resolve this with the complex ( XXXX XXXXssing ) and their property management company XXXX XXXX XXXX XXXX, Previously XXXX XXXX ) for over a year now. It is literally impossible to get ahold of anyone in either offices, after tons of emails and hundreds of calls. 

I eventually filed a complaint with the XXXX XXXX XXXX. The property management company replied to me stating that these fees are because of us breaking our lease early. Which, like I said, I have documented proof FROM THEM that we paid our lease break fee, and that this collections report was strictly only for cleaning fees ( which are fraudulent. ) Now they are trying to change their story over what the report was even for?! I don't know what else to do, neither XXXX XXXX XXXX or XXXXXXXX XXXXXXXX XXXX XXXXt is helping me to resolve these fraudulent reports, even after going to the XXXX. My next step is to take them to small claims court. This has been negatively effecting my boyfriend & I 's credit for over a year now. Please help me get this resolved. I have uploaded supporting documents that show these are for cleaning fees, which on the same receipt shows we paid our lease break fee as well as an email from the complex from XX/XX/XXXX stating my account had a XXXX balance. I have also uploaded photos of our unit upon move-out that show it is clean, and has no carpet. Lastly, I have uploaded a screenshot from the property managements reply to my XXXX complaint, lying and stating this is a fee for breaking our lease early.
Product: Checking or savings account

I was in New York on XX/XX/XXXX and purchased two single ride tickets that were suppose to be {$2.00} a piece at a XXXX machine. I was instead charged {$33.00} a piece by XXXX which caused my bank ( BMO Harris ) to charge me {$71.00} in overdraft fees. XXXX refunded the two separate {$33.00} charges the same week, but BMO Harris refuses to refund the {$71.00} overdraft charge. XXXX emailed me saying they will not refund the {$71.00} charge either
Product: Debt collection

my father used my information when I was a child and I am in debt of {$490.00} with XXXX. I apparently opened an account with them in 2019. I called the company and they said they can not do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, i have yet to receive a response, ignoring the fact it have been over 45 days. I feel as though im being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 45 days is a reason to remove those things off my credit report immediately. It has been over 45 days and they should be removed immediately or i will file for litigation to compensate me for the stress you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Product: Credit card

I believe the account is invalid. CELTIC/CONT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. CELTIC/CONT XXXX
Product: Debt collection

I have no recollection of this debt, yet it is damaging my credit score with derogatory remarks that you are reporting monthly. 

Ive asked for a signed contract/application showing I agreed to pay this debt you claim I owe. You have yet to provide original documentation, or any documentation at all proving I owe this debt. 

You are reporting different dates of last activity, different dates of last payment, reporting incomplete information as well. Intentionally harming my score. 

REMOVE THIS ACCOUNT.
Product: Debt collection

This is the second time XXXX has sent this collection account to my credit report. It was just previously removed. This is NOT my account! I currently have XXXX! I've said this a million times now. Nothing exist proving this is my account or that I opened this account, which his why it was deleted the first time. I pay my bills, and never had a collection. Please fix this immediately or I will sue! I thought I left this nonsense in 2019.
Product: Credit reporting or other personal consumer reports

On my XXXX credit report is showing a loan that I have never taken
Product: Student loan

I have signed up for college back in XX/XX/2012 my loan was supposed to be sent back because I had dropped my classes due to my mother died they said they would send my loan back to the sender and never did so im payXXXXfor a loan that i have never seen in my life i got to use my free grants so how do i have to pay back a loan i never recieved.. I 'm on XXXX I am XXXX I try everything to get my loan dismissed and they wo n't they keep harassing me I am in hardship for a loan I never got as I was scamed by the school I went to I dropped my classes way before the school had got a loan for me that I never needed I had free grants I went to school not even 3 weeks so this place is taking advantage of me advanced other people who have advanced XXXX or who is injured I want to file a lawsuit against them I been harassed for way to long it 's nothe rite they done this to me for XXXX dollars really that I never had gotten crazy if you askin me I think the school acjhould have to pay the money back the hey received it not me I am not going to pay back a debt I never seen in my life and also the school was closed down awhile ago is n't my loans supposed to drop because of this
Product: Debt collection

I want to formally write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. This company has an account number listed on my report as the following :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXXXXXX XXXX XXXX and Experian Information Solutions Inc. by Phone, certified mail, and email regarding the inaccurate information and missing information in my balance history in my credit file with XXXX XXXX XXXX XXXX. I have been trying to get the inaccurate and the missing information correct, since XX/XX/2020. I am extremely appalled by how the investigation has been handled. I have filed five disputes with Experian Information Solutions Inc. regarding the inaccurate information within my credit file with XXXX XXXX XXXX XXXX and every single time the results that have come back stated that the data was updated and is completed. But, the information has not been corrected nor updated!!! In the meantime, I kept losing points on my credit score due to filing a dispute.

I have gone back and forth between XXXX XXXX XXXX XXXX and Experian Information Solutions Inc., both keep giving me different information. XXXX XXXXXXXX XXXX XXXX has shared that they send out payment information monthly to all three credit bureau. Experian Information Solutions Inc. are sharing they are not getting the information. Instead of correcting my credit file, they keep blaming the other. 

I have never been late on my installment loan. All the inaccuracies started in XX/XX/2020 of last year. Within the balance history on my credit report with Experian Information Solutions Inc. for my account with XXXX XXXX XXXX XXXX, there are six ( 6 ) months missing and for some of the months that are listed, it shows I paid {$0.00}. I have provided payment to Experian Information Solutions Inc. but they stated that the information has to come from XXXX XXXX XXXX XXXX. I have submitted proof that shows these inaccuracies to XXXX XXXX XXXX XXXX and I was told that they have sent the information but they can not make Experian put the information into their system. This is the information from Experian If your creditor reported your account balances to us, we list them in this section as additional information about your account. This section includes the scheduled payment amounts, amounts actually paid, and the dates those payments were made. This has not been done!!! 

The payment history is correct but it is my balance history that is not correct. There are figures missing out of the equation within my balance history that make a big difference when it comes to your credit score. I have lost 39 points due to the missing information within my balance history. 

I really did not want to file a complaint against Experian or XXXX XXXX XXXX XXXX  with the Consumer Financial Protection Bureau but it is affecting my credit score.

Please see attachments 1 and 2
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD MORNING, XXXX, EQUIFAX, AND XXXX has not properly conducted an investigation regarding a negative account on my personal credit report. On XX/XX/2022 i certified mailed off a letter ( XXXX Certified # XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX Certified # XXXX XXXX XXXX XXXX XXXX XXXX ) ( Equifax Certified # XXXX XXXX XXXX XXXX XXXX XXXX ) requesting documentary proofs ( the hard copies ) and evidence of the alleged debt being claimed against me. 
The account is : XXXX XXXX XXXX XXXX .... 
I unfortunately still have not received any hard copy documentation proof that i originally requested. I stated if unable to provide proof, please delete the account completely and immediately. I appreciate your time in this matter and i'm able to provide any and all additonal information needed to resolve this issue correctly.
Product: Student loan

Out of the blue, I started receiving many many calls from a company I did not ever heard of. The person on the phone spoke broken English so thinking t his was a scam, I kept hanging up. Months later, I received a harassing call telling me my student loan was going into default if I didn't start paying. I asked where the person was calling from and was told The XXXX. I asked how and why he had my information since I am a US citizen who attended school in the US. I have no idea what he said since I could not understand him. I gave him my banking and routing information so that payments could be deducted monthly. I looked at my bank statement and saw nothing was deducted. I called Navient, I was told this was the name and asked why payments were not being deducted. The csr stated the information was applied incorrectly so he took down the banking information again. Again, nothing happened and now I have been reported to the credit bureaus for late payments. I called Navient very upset but nothing could be done I was told. I immediately began looking for another lender and found XXXX XXXX. I am beyond upset. I was paying a company out of my own country that had my private information without my consent who could not communicate clearly in English who reported me to the credit bureaus when I furnished the information. I wirk for a non-profit organization and this was not considered when assessing the high payments they expected me to pay.
Product: Checking or savings account

On XX/XX/XXXX my account was charged XXXX $ for flight reservations. It was not me as I dont fly because of XXXX and never will fly. I called my bank and said it wasnt me and that fraud has been commited and since then they have done nothing but tell me to file a complaint against them if I feel this way and file a claim that the charge is fraud and it wasnt me. Its been 5 days and they have done nothing. This is for a small business account and my business has been ruined because i was unable to perform work that I was paid for as the money in my account is gone and again BOA has done nothing and I have expressed to them that I feel they have an employee thats helping someone outside BOA to commit fraud on my account and BOA is aware of it and trying to hide it or conseal it. I have filed an Ic3 complaint also. I have no idea what else to do, this has ruined my business and my holidays and ruined my faith in my country, its business practice and any and all kind of enforcement is doing nothing I feel. I see why businesses in america are going under and why people are ending up homeless which is what may happen to me. Sad thing is, no one cares whatsoever. All I can do is rely on this complaint and honestly? Do not think anything will be done and Im ruined. Also being honest, XXXX  really is the best way because of not wanting to face the negative expects of everyone sitting on their hands doing nothing the way they have for others. Figured I would make an attempt with no expectations being i have no faith in anything American or America in its name. This country and its institutions does not protect the small guy. I am seeing the proof of this. Disappointment in USA.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased an above-ground swimming pool liner from the vendor XXXX for {$790.00} using my Citi issued credit card. 
I received the liner and installed it following the manufacturers instructions. Shortly after the installation the liner was damaged and while investigating the damage, we discovered that the product sent to us was not what was advertised. 

Swimming pool liners are typically sold by thickness, a thicker liner is more durable and more expensive. I purchased a liner that was advertised by XXXX as XXXX thickness because it would have been more durable than the thinner XXXX XXXX  or thinner liners. While investigating the damage, we learned that the manufacturer of this product does not advertise or market their liners as XXXX and that the liner sold to us as XXXX was not XXXX. This meant that the liner was weaker than what i had intended to purchase. 

On XX/XX/XXXX i reached out to the vendor XXXX requesting a replacement of the liner with one that had the thickness i ordered. They assigned me ticket number XXXX and routed me directly to the manufacturer. 

On XX/XX/XXXX, the manufacturer confirmed they would not be able to issue warranty replacement because the product was not defective, but confirmed in writing that they do not sell or market their liners as XXXX. 

On XX/XX/XXXX, i filed my dispute with Citi, requesting chargeback because the item was not as advertised and there was no resolution from the vendor or manufacturer On XX/XX/XXXX, Citi closed my dispute based on reply from the vendor, which incorrectly stated that i had never contacted them about the issue. As mentioned above i had a ticket number from the vendor for this issue. 

On XX/XX/XXXX, I asked Citi to appeal my dispute by providing the requested information that Citi had noted in their communication on XX/XX/XXXX. 

On XX/XX/XXXX, Citi closed my dispute with the comment that i had not provided the requested information, even though i had. The communication said that there would be no further assistance from Citi on this matter. 

I don't think vendors should get away with providing Citi with false information about disputes and then have Citi immediately side with them without any due diligence, nor should vendors be able to sell products with false specifications that the vendor is fully aware of. Thanks for any help.
Product: Credit reporting or other personal consumer reports

I have disputed this account several times directly through the company as well as XXXX and experian. i have also sent supporting documents from the company that directly disputes what they are providing to the credit agencies. they said they reached out to the company and updated my account with what the company reported but not the facts that i sent from the company via email.they also have the account being closed in XXXX of XXXX when it was actually closed in XXXX. I have read numerous complaints about this company and how they will not remove items from report even if they are incorrect. i also requested a copy of the sale of the vehicle and got a response via email that they have a copy of the sale
Product: Money transfer, virtual currency, or money service

In the month of XXXX, make 02 transfers to the United States from XXXX for the purchase of an agricultural tractor. On XX/XX/XXXX, make the 1st transfer in the amount of {$12000.00} US dollars and on XX/XX/XXXX, the amount of {$8000.00} US dollars directed to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located in the state of Iowa ; However, the company never sent the tractor to XXXX, it was a scam and we immediately contacted our bank in XXXX to inform the CHASE BANK bank and my bank in XXXX requested a refund of funds on XX/XX/XXXX, sending all the necessary evidence and the format where we fill in the beneficiary information, account number and reason for the transaction ; However, CHASE BANK never proceeded with the return of funds, despite being told by my Peruvian bank that the account number does not coincide with the beneficiary indicated by the client, in this case my person. CHASE BANK only notified the beneficiary to authorize the return of funds and the beneficiary was only alerted and closed his account by withdrawing all the money on XX/XX/XXXX. The CHASE BANK at least had to withhold the money until they finish investigating and validating the tests, being they complicit in making the scam happen. The fraud number that the CHASE BANK gives us is the following : Fraud # XXXX & XXXX. We have called the bank many times but unfortunately they could never attend us because we did not have the social security number or account number in the CHASE BANK