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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX recently reviewed my credit file and notice there are some unauthorized inquires reporting to my Transunion credit file. These inquiries are not attached to any of my open accounts and this information is false and misleading and I would like for this information to be remove. The documents attached below and will help you identify the fraudulent activity on my consumer credit file.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to request a security freeze on my consumer credit file and a certified copy of my complete consumer report, as permitted under the Fair Credit Reporting Act ( FCRA ). 

The primary purposes are to prevent unauthorized access to my credit information, protect against potential identity theft, and obtain a comprehensive review of my current credit status. 

I am specifically requesting a complete and certified consumer report that includes all comprehensive details maintained in my file. This should encompass a full overview of my credit accounts, detailed inquiry history, personal identification information, and any additional notations or remarks present in my records. 


Identifying Information : Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX  Please send all documentation via certified mail to the address listed above. I request written confirmation within 3-5 business days. 

My goal is to exercise my legal rights and protect my personal financial information. 


Thank you for your prompt attention to these matters. 

Enclosed Verification Documents : Government-issued photo identification with current photograph Official proof of current residential address Additional supporting identification materials
Product: Credit reporting, credit repair services, or other personal consumer reports

2 accounts which shows loan amount of XXXX each are not mine
Product: Debt collection

As of today, I have received 4 strikes against my credit by TekCollect Inc, and yet have never received a notice that I owed anything to them. I have never received an email, letter, or to my knowledge a phone call ( unless they are number spoofing ) about any debt owed to them or any debt owed to other that they have acquired and are attempting to collect. 

I attempted to call them, and their number answering service for people trying to reach them about debt collection automatically indicates that the caller can not contact that number and then disconnects the call. I have no way to leave a message or to reach an agent to resolve the situation. 

I also believe that the use of aggressive and abusive credit strikes rather than contacting the person they are trying to collect against is a violation of consumer protections. I have received a strike on XX/XX/XXXX, XXXX, and XXXX of XXXX, again with no prior contact and no way to contact them to remedy the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert that I had a delinquent account, and it was showing up as such on my credit report. I immediately paid the debt, afraid that it was something I truly owed. Once I paid the debt, I contacted the company to inquire about the debt, as I had not had an account with them for 6+ years. The company was XXXX  ( the internet/phone/cable provider ), who said I owed them for past due amounts. I never received any letters or requests for payment in the 6+ years that had passed between my account being closed at my request and the debt being put on my credit. Once someone with XXXX  looked into the matter, they admitted that I should never have been charged and it was an error on their part, they would be issuing me a refund. It took 2+ months to receive my refund via Visa prepaid card. Another 9+ months later, I bought a new car. This delinquent account was STILL showing as delinquent on my credit report, although the debt was paid, XXXX  admitted fault in ever reporting it, and refunded my funds to me. I have since tried contacting XXXX  multiple times with no avail. I am constantly told someone will call me back, but never receive a call. At one time, the debt collection company explained they would release it once they received written confirmation from XXXX  to do so ; however, it has been WEEKS and XXXX has not yet provided proof of anything.
Product: Checking or savings account

On XX/XX/2020 I signed up for a SunTrust checking account and enrolled in a promotion stating I would receive a {$400.00} bonus for meeting certain requirements, the primary one being making " direct deposits '' of {$3000.00} each month across two statement periods. 

I have done this across the first three statement periods and within the time frame required, but as of XXXX XXXX, 2020, SunTrust 's " Offers '' portal showed my account is not having completed the requirements. I called on XXXX XXXX, 2020, and spoke with a representative who reviewed my account and claimed I was not receiving the offer due to not having made a single direct deposit of {$3000.00} or more in each month, despite the terms and conditions clearly indicating " direct deposits '' of {$3000.00} or more each month and having no language stipulating that the amount must be made in a single transaction. The representative stated I would not receive the offer due to this requirement not being met ( i.e. a single direct deposit of {$3000.00} or more each month ), despite it not being a requirement listed in the terms & conditions. 

I have had a professional in the finance industry at a different institution review the terms and conditions and they agree that there is no language stipulating that the {$3000.00} must be made in a single direct deposit transaction.
Product: Credit card

I was told by an American Express supervisor that my full credit limit of {$25000.00} would be available to my after I activated my card on Thursday, XX/XX/XXXX. After I activated the card, only {$10000.00} is available for use. The business practiced dishonest tactics and refused to address and fix the issue. The statement I received with the card states that {$25000.00} is available but this is not true. On XX/XX/XXXX, I asked for documentation or policies stating that the full credit amount could be withheld. Furthermore, they informed me that the hold could be waived but refused to waive it for me. Nobody could provide proof by documentation. I am asking they fix this issue immediately and provide me with the full {$25000.00} credit limit agreed upon after I was approved for the card.
Product: Debt collection

I have never had any services with this company. They are reporting different reports to each credit bureau ( XXXX, XXXX, XXXX ). The report with XXXX is reporting they closed the account in XXXX ( I was born in XXXX ) and they are not showing what type of debt this is. I disputed this report and they said the report was accurate. I have since filed a police report FTC # XXXX
Product: Consumer Loan

First hertiage Credit is worst company to due bussiness with..My loan be current and they be calling my phone back to back and it do n't even be near 30 days late..My fiance has a loan with them also and he will pay my bill sumtime and they be telling him what I owe and to pay more ... And threatened me to report to the credit bureau and my loan was n't even late ... I will never do business with them again.
Product: Credit card or prepaid card

XXXX fraudulently charged my account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Chase has refused to properly begin an investigation despite claiming they would and the situation being described as nauseum. Today one representative refused to take my information and they did not do as promised from yesterday 's conversation wherein to dispute the fraudulent charges from XXXX Today I asked for a supervisor and the XXXX who did not understand anything after beong on hold for 30 minutes refused to do anything. 

Please help as no one has a clue what they are doing at Chase and it's super disturbing.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against your organization for the ongoing and persistent failures to remove fraudulent items from my credit report. Despite multiple attempts to address and rectify these fraudulent entries, my credit report continues to contain information that is both false and damaging to my financial well-being. 

I have diligently followed the dispute resolution procedures as outlined by your agency, providing extensive documentation and evidence that unequivocally demonstrates the fraudulent nature of these items. However, your organization 's repeated failures to take appropriate action to rectify this issue are causing substantial harm to my creditworthiness and financial stability. 

It is imperative to underscore that the Fair Credit Reporting Act ( FCRA ) places a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, such as yours, are mandated to conduct thorough investigations and make necessary corrections when inaccuracies and fraudulent activities are identified. 

Despite my persistent efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the fraudulent items on my credit report : Difficulty obtaining credit or loans at favorable terms.

Higher interest rates on existing credit accounts.

Substantial harm to my creditworthiness and financial opportunities.

I hereby formally request that your organization takes immediate and decisive action to investigate and remove the fraudulent items from my credit report. If it is confirmed that these items are indeed fraudulent, I insist on the following actions : Swift removal of all fraudulent items from my credit report. 
Correction of my credit report to accurately reflect my financial history and creditworthiness. 
Provision of written confirmation of the removal and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other pertinent materials. I trust that this information will expedite your investigation and lead to the immediate removal of these fraudulent items from my credit report. I am asking for your assistance to remove these fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

so this is nOT a duplicate complaint i aalready filed this and it was returned this is NOt a duplicate on XX/XX/XXXX i was told and the call should be accessed i would have XXXX cents credited to my account. never happened. i did not ask for it it was offered details are all on the call from that day. i would appreciate the money back as promised. thank you I have called since not done. told not approved yet. well if i was told it and offered it should be done. please
Product: Credit reporting, credit repair services, or other personal consumer reports

There were 2 dubious accounts on my credit report and I initiated a dispute process on XX/XX/2019. XXXX, Equifax and XXXX  failed to provide me the method of verification of how they verified this dubious and false information. 
All I want is for them to remove this incorrect information from my credit report.
Product: Mortgage

I received a letter from Millennial Home Lending Inc. addressed to me and the bank I have my current mortgage through ( XXXX XXXX XXXX  XXXX. The envelope looked as if there was something wrong with my mortgage with comments on the front of the envelope " Please Open Immediately '' " Time Sensitive Information '' " Expedited Service '' along with a " release signature '' section indicating something needed to be signed. When I opened the envelope, it was only an advertisement to apply for a new mortgage. The outside envelope made me think there was something wrong with my mortgage with XXXX XXXX XXXX. I feel their approach was deceptive by including my mortgage company name in the addressee section of the letter. It's obvious the placement of information and the urgency of the information listed on the envelope was made to scare or worry the individual as if there was something wrong with their mortgage. I feel this is meant as a scare tactic and a deceptive way to make people think there is something wrong with their mortgage and more importantly that the letter comes from my mortgage company when it didn't and has NOTHING to do with my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX Balance : {$0.00} Bankruptcy XXXX  XXXXXXXX  Reference # : XXXX Bankruptcy : XXXX  XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX
Product: Mortgage

Loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, Florida. I received {$110.00} monthly, which changed in XX/XX/XXXX, to {$88.00}. On XX/XX/XXXX the plan was still " XXXX '', but in XX/XX/XXXX it was changed to " XXXX XXXX ''. I never requested this change. In addition, I received a " Payment Plan Change Denial Letter '' from XXXX dated XX/XX/XXXX. Which stated that they were '' unable to process your request for a XXXX XXXX XXXX '' They didn't deny anything I changed my mind and notified them. This action by them XXXX have affected my credit rating increasing interest costs. This matter I will investigate further. They should restore the funds they did not pay me. In addition they they should restore my " XXXX XXXX '' standing.
Product: Credit reporting or other personal consumer reports

I have disputed this debt both directly with the credit bureaus and with the company regarding the inaccurate, incomplete, and unverifiable information being reported. This misinformation is **severely impacting my credit score** and affecting my **financial well-being**, making it difficult for me to secure housing. 

Despite my repeated requests, the company has denied the following actions : 1. Updating the information with all credit bureaus to reflect the accurate payment history and account status.

2. Provide written confirmation once the verification and correction process is completed.

3. Ceasing further collection activity*and refraining from transferring this account to any collection agency until the dispute is fully resolved.

4. Provide validation of the debt, which I previously requested on XX/XX/year>, via email at XXXX. 

I am again requesting that these issues be addressed promptly in compliance with the Fair Credit Reporting Act ( FCRA ) and all applicable consumer protection laws. 
Despite my requests, the company is forwarding the debt to a third-party collection agency, which will further impact my credit score due to their failure to properly investigate this matter and update my credit report with accurate information as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are inaccuracies on my credit report i submitted a dispute was never notified of the results so i resubmitted the dispute and Transunion is refusing to investigate and delete the inaccuracies on my report
Product: Vehicle loan or lease

I have recently seen a significant reduciton in income due to loss of employment since earlier this year. I have been able to maintain regular payments on my account except 1 extension granted to me for XX/XX/2023. I recently accepted a new position, and started a couple of weeks ago, but still find myself behind and anticipate another 2 months before I am caught back up and able to continue to make the payments. I have been a long time customer/borrower of Chrysler Capital and had a previous loan that was paid off after several years. I called in for assistance and was offered NO options, other than offered to document my inability to pay the account. Please help put me in contact with someone that actually can assist! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I see there are unauthorized inquiries on my equifax credit report and i would like them removed. 

XXXX XXXX XXXX XXXX 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

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX  XXXX Balance : {$17000.00} ; XXXX XXXX  XXXX XXXX Balance : {$53000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX report is 161 pages. My XXXX  report is 93 pages and my Experian report is 63 pages. My reports are not accurate. I have multiple names and alias listed. I have dozens of addresses in states Ive never lived in. There are jobs and employers Ive never had. There is a bankruptcy showing. On one report its listed as a XXXX and on another report its listed as a XXXX, XXXX, or XXXX. There are auto loans shown as charged off or included in a bankruptcy that is not true. Both vehicles were repossessed and resold. I have no idea where they are getting this inaccurate information and they refuse to investigate. I have actual video footage of one of my vehicles being repossessed. There are many closed accounts from over 7 years still on my account to include several student loans I paid off now showing as transferred to another lender. I have tried to dispute this online and in writing to no avail. They refuse to investigate and delete these items. Another issue are late payments on a leased vehicle. The payment amounts are incorrect. I paid {$6000.00} in advance and the car company XXXX did not apply it to my account and reported non payment to the credit bureaus. I sent bank statements to all 3 showing the payments. I tried disputing it online. How is this legal? These credit agencies are ruining me. I am now unable to refinance my mortgage because my score is too low due to inaccurate information and hard inquiries I did not give written permission to make on my behalf. I am requesting that my credit report be investigated and updated.
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiry on my Experian consumer report from XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX XXXX UT, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you to express my deep concern and frustration regarding the lack of response to the disputes I have submitted since XXXX of last year. According to the Fair Credit Reporting Act ( FCRA ), I have the right to challenge and correct any incorrect information that may be included in my credit reports.

I have submitted several disputes to their offices to correct the inaccurate information being reported in my credit reports. These disputes have been detailed and well-founded, complying with the requirements set by the FCRA. However, as of the date of this complaint, I have not received any response or action from any of the three credit bureaus. 

The FCRA clearly states that consumers have the right to a timely and fair investigation of any dispute they file. The lack of response from Equifax, XXXX, and XXXX goes against these rights and puts me in a compromised financial position due to the incorrect information that continues to affect my credit history. 

I urge you to comply with the law and proceed with the corresponding investigation to correct and update the incorrect information on my credit reports. Additionally, I request that you contact me immediately to provide a clear explanation of the delay and the current status of my disputes. 

I understand the importance of maintaining accurate and up-to-date credit reports, and I trust that you will take the necessary steps to rectify this situation promptly and in accordance with the FCRA. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Debt collection

XXXX XXXX dated a letter XX/XX/2019 claiming the estate of my Mother owed their client. They did not disclosure any information pertaining to their supposed client. According to Federal Law they had 5 days from that XX/XX/2019 to validate debt. A letter of dispute was immediately sent. XXXX XXXX   sent another letter dated XX/XX/2019 disclosing their client and balance amount. Their letter is more than 30 days from their first communication once again in violation of Federal Law. Furthermore the lease signed by the decedent I represent states that it is not transferable in any way or for any reason thereby voiding it in it's entirety.