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

On  XXXX   XXXX ,  2017  I noticed a collection for {$200.00} had been added to my credit reports. On  XXXX   XXXX  I called each credit bureau and disputed the collection. Just 8 days later on  XXXX   XXXX  I received notice via email by Equifax that the investigation was completed. I viewed the results and seen it had not been removed. I then called and asked for a method of verification via FCRA Sectio n 611 and what information was used to determine it was my debt. Equifax did n't provide this information, instead restarting the investigation. Again about 5-7days later saying the debt was " verified ''. I called again and asked for a supervisor and as ked again for documentation to verify how my debt was determined . Again nothing. I then sent a certified letter request verification, which under the FCRA Section 611 ( a ) ( 7 )   should be provided to me within 15 days of requesting which was n't and instead AGAIN instead of providing this information, they again restarted an investigation. Since then, both  XXXX  and   XXXX   have removed this debt from my reports, yet still it remains on Equifax. I also have contacted the original creditor which provided me with a statement. As you can see on the attachments, neither my address nor does the account number match that of which is being reported, which by law means it should be removed from my credit reports, which only Equifax fails to do. I believe unlike the other agencies, Equifax failed to provide a real investigation, because in doing so, they would have seen these mistakes and removed this collection account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This kohls account is not mine Im not liable for it its a fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - Today I received a report from XXXX  notifying me that my Fico Score had dropped 23 points since my last report. This makes no sense since the only change is adding a credit card from XXXX XXXX. Additionally, I have supplied information on PreAuthorized Checks for XXXX XXXX that can not be refuted. This unrefutable information was ignored by XXXX, XXXX, XXXX and Equifax. This report also states three ( 3 ) late payments, the only late payments that are under dispute are XXXX XXXX and XXXX XXXX. XXXX was investigated by the FBI and found to have forged documents. I have attached information for review and request an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Asked more than once to stop the service. Letters that were written to creditors on my behalf were sent to me. I was told not to stop the service but choose a different plan. They took me down to an XXXX dollar plan. On this plan I was sent an email that I could not open. I was told to print letters off and send them to creditors. Basically this company just took my money. Nothing was done. I was told to wait 6 months for results but basically they were just stringing me along. Also someone told me about Lexington law. I went to their website started the process but never hit submit. From there they started calling me and telling me to sign up. Exactly how does this work? I told the guy I never hit submit on the initial paperwork. He assured me they could do something to assist me with my credit at a reasonable rate. I told him I didnt have money to just blow.
Product: Credit reporting or other personal consumer reports

According to the report that was sent this company is still reporting in accurate information after i have requested numerous times for it to be deleted
Product: Debt collection

Smith Debnam Narron Drake Saintsing and Myers, LLP sent me a Notice of Summons for a debt with XXXX Card. The summons I received was Overnighted by XXXX XXXX but had information from another XXXX Borrower, giving me all her information including Debt owed. It would seem that that person or someone else received my personal XXXX XXXX information. 

When I called the Law Firm I was told that I have a debt and that I should contact the Federal Agency to file a complaint. I was told that a Summons does not have to go to me, it could go to any relative or responsible party, well my information went to someone not familiar with me. 
The Law Firm said that they received an affidavit that stated I was served which is either Fraud or Negligence.

So my financial information as well as the other party received other peoples information And a Judgement was entered unlawful as Affidavit the law firm received was erroneous, and since it was outsourced they are responsible for all actions, at the same time XXXXwould also be responsible as they are the Creditor and are ultimately responsible for outsourcing their business needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries below do not belong to me. They are FRAUD. Delete ASAP. They should not be on my report.

-- -- -TRANSUNION -- -- XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2020
Product: Credit card or prepaid card

This is in response to Citibank 's response to Complaint XXXX filed on XX/XX/XXXX regarding being charged for merchandise not received. Citibank 's response is attached as Exhibit IV and states that a permanent credit was issued regarding the original disputed amount. However, Citibank continues to report late payments for XX/XX/XXXX, XXXX/XXXX and XX/XX/XXXX to the credit bureaus and shows an unpaid balance of {$180.00}. The unpaid balance and " late payments '' consists solely of interest and monthly fee charges resulting from Citibank 's original refusal to issue the above referenced credit that was ultimately issued effective as of XX/XX/XXXX. Citibank issued a temporary credit when the dispute was originally brought to their attention. However, the temporary credit was charged back on XX/XX/XXXX and Citibank began charging interest and monthly fees, as detailed by Exhibit I and supported by statement copies at Exhibit II. During the pendency of the dispute, all current charges I made were paid during the grace period and, as shown on Exhibit II, I ceased using the credit card completely effective XX/XX/XXXX in light of Citibank ' s refusals to timely investigate and properly resolve the dispute. Citibank 's charging interest and monthly fees on a disputed charge ultimately credited has had the result of taking my credit score that exceeded 800 down to the 750 's. 
I have also enclosed Exhibit III which is a CFPB policy stating that interest will not be charged while a disputed charge is being investigated. Common sense would dictate that the same would apply to monthly fees resulting from the same disputed charge.
Product: Money transfer, virtual currency, or money service

This is 2nd time Zelle has suspend my account. When asked why it was frozen they said because of someone sending me money. This is the dumbest reason I have ever heard. 

Only time I received money is from my tenant. 

Why am I being punished for someone elses issue. 

This is discriminatory pretice.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I requested the reporting agencies ( Equifax Information Services LLC, for the removal of unauthorized inquiries pursuant to 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ). 
I am seeking the immediate removal of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I submitted letters to them, but didn't receive a reply, so the inquiries still appear on my credit report. This has made it difficult for me to obtain credit, as I have been denied repeatedly. I want to state that these inquiries were made without my consent or authorization. According to the law, any unauthorized inquiries that are not associated with any account must be promptly removed from my credit report.
Product: Credit card or prepaid card

My Name is XXXX XXXX, I receive my child support put on a " XXXX '' WELLS FARGO XXXX. The Bank charges inquiries on the balance of the child support card of {$1.00} by ATM, so I stopped requesting atm balance inquiry several years ago. I know that WELLS FARGO Customer service charges XXXX per phone call to customer service. They offer 3 customer service calls per month free of charge. So, I very rarely, call customer service - except for lost card circumstances. Which has happened twice in the past 7 years, I lost my card. and they replaced it. Wells Fargo would have charged fees on those accounts as well. 

I have been receiving child support for 15 years, as I have XXXX children. I have been using the automated system for my balance inquiry as I have {$170000.00} in child support arrears and I rely on the child support agency to collect the funds by bank and or wage garnishment. and sometimes my balance fluctuates. I use the automated inquiry system to make sure what I am purchasing does not get overdrawn. 

Wells Fargo never mails out any debit card statements by mail. I rarely, go one line to check the activity. Recently, I had reason to check my balances and history, as I had XXXX request evidence of the child support deposits into my account which I cashed through the ATM machine. To my surprise, I have been charged numerous times for balance inquiry XXXX per transaction for over 10+ years. I read the disclosures, no where does it state that when a child support recipient calls through the automated system to check balance inquiry they will be charged XXXX as if they are speaking to and calling customer service agent. 

This is very sad, and unreal. There are so many single parents who are struggling. and Wells Fargo as big as they are, charging for a automated balance inquiries under phone number XXXX. I've been a Wells Fargo customer for over 15 years at the XXXXXXXX XXXX XXXX location, there is no reason for excessive fees nor automated inquiry fees. 

The statement online customer service number for inquiry charges is XXXX always states your call can not go through, please try again or hangs up on you.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting negative information on my credit report which is extremely inaccurate. I have never made a late payment to your company. This is a violation of my rights of the FCRA, and I will be seeking legal action and compensation for this under 15 USC 1681. The inaccurate reporting of this account is an adverse action and a defamation of character. It has be on my report for too long. I HAVE NEVER MISSED A PAYMENT. XXXX and XXXX reflect that as well. Please correct my EXPERIAN report.
Product: Checking or savings account

A bank manager issued me a credit card. He told me that the card was not secured and that my money would not be affected. When I checked my balance my XXXX was gone. 
I was never given my money back. I paid the balance of the card but money was never refunded.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me and Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 
XXXX XXXX XXXX. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX 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 XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have also included a copy of my identity theft affidavit. 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 ; XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX  IN XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am personally initiating this complaint regarding late payment entries on my credit record. Upon inspecting my files, I uncovered these late payment notations. Although I sent correspondence about this issue more than XXXX  days ago, I have received no reply, nor has adequate validation been furnished. I am requesting your assistance to address and resolve this matter efficiently and without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute dated XX/XX/2021 I viewed my credit report and yet and still nothing has been done with my investigation, at least what was supposed to be done wasnt. one thing for certain is I am the person/ the consumer. I sent in identification id and in my letter I stated what names did not belong to be and yet and still even with my requested identification Equifax still has decided to use whatever name they decide which is false and misleading. I advised them they are reporting negative information on my credit/consumer report and I stated to them that Negative information furnished about me is an infringement up on my consumer rights to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) plus you the consumer agency does not have my written permission or instructions and I stated to remove the names, addresses that didnt belong to me as well as inquiries and still nothing I also stated the along with the credit report that the inquires did not hold a firm offer of credit or insurance with a written instruction to remove the inquiries from my consumer report. I understand that Equifax has assumed the role that they have but them disregarding me and my disputes and not following the rules of XXXX is extremely upsetting. Especially with the fact that I have tried to fix this. my credit report or consumer report is proof that they are not doing the job see fit per XXXX guidelines. I have disputed several items on my credit report and there was no indication or statement that I even disputed the the accounts. I have also advised them of an account of my credit report that is a collection and is showing as open and still they have not removed that negative false and misleading account. Going through my credit report and knowing that it is negative false and misleading information on it, information that I have already addressed with the company and that they have not did anything with is stressful. Equifax is attempting to undermine and manipulate me. What is also strange is based on the definition of investigative report Equifax also didnt do that job neither. What was supposed to be measured is my general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the mine which was not done. Plus Equifax did not receive my written instructions to have the items on my consumer report. I have missed opportunities with employers and living quarters which Is terrible and not following the guidelines in which XXXX has drawn out, i have attempted to fix this directly with Equifax and i have been disregard
Product: Credit reporting or other personal consumer reports

I recently just started checking my credit and notice unfamiliar inquiries on my report. 

XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX  XXXX ( XXXX XXXX XXXX XXXX Navy FCU ( Finance ) XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following personal information on my credit fi le is not correct : name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 
Date of birth XX/XX/XXXX I am a victim of identify theft My date of birth is XX/XX/XXXX I am a victim of identity theft This is not my name my name is XXXX XXXX XXXX Phone number XXXX I am a victim of identity theft.This is not my phone number Address XXXX XXXX XXXX, XXXX, I am a victim of identity theft I have never lived at this address XXXX XXXX XXXX XXXX, I am a victim of identity theft I have never lived at this address XXXX XXXX XXXXXXXX XXXX 
I am a victim of identity theft I have never lived at this address The following accounts are not my accounts : XXXX XXXX XXXXXXXX, I am a victim of identity theft this is not my account XXXX XXXX XXXX XXXXXXXX, I am a victim of identity theft this is not my account XXXX XXXX  XXXX, I am a victim of identity theft this is not my account XXXX XXXX XXXX. 
I am a victim of identity theft this is not my account
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

PayPal transaction ID XXXX. For XXXX  XXXX XXXX XXXX. 

XXXX Ordered XXXX lbs of protein powder on XXXX XX/XX/2019. Vendor did not ship product. When asked for them to reship they said they would. They shipped a 37lb box ( for 7lbs of protein ). Box never  arrived. Vendor refuses to acknowledge emails. 

PayPal was intermediary on payment and processed said payment. 

Parties : PayPal XXXX
Product: Vehicle loan or lease

Nissan discriminated and refused to provide me the proper resources that would ensure my payment history was kept up to date during COVID while I was awaiting pending unemployment DOL Hearings. Nissan further denied me monthly relief assistance because of COVID. Nissan did not and would not offer temporary lower payment assistance during COVID. When requested assistance was offered Nissan only discriminated and put a payment at the end of the loan. While Nissan did in fact discriminate because other car loan companies as well as Nissan were reporting that lower payment options and monthly COVID waived payments were being offered. Yet I was denied these offered : Consequentially, Nissan contemptuously and maliciously knew the Nissan Finance Website was under repair and inoperable several times during COVID and especially in XX/XX/2021, such that I was denied the ability to make an online payment within the 30 day late payment window. Where as Nissan Finance retaliated and viciously reported my car payment late to XXXX  Finance when they failed to provide online reporting options. Most during was the XXXX  Representative who would answer my complaint call to Nissan when I requested the Corporate Office Numbers or Administrative Management to return my calls NO correspondences were received :
Product: Checking or savings account

On XX/XX/XXXX or XXXX XXXX, I discovered multiple unauthorized XXXX XXXX transactions on my M & T Bank account that I did not make or authorize. I immediately called M & T Bank to report the fraud and requested an investigation into the unauthorized charges and a refund. After reporting the fraud, my mobile access to my account was taken away, preventing me from managing my funds and monitoring my account activity. I am requesting a full refund for the fraudulent transactions, restoration of my mobile access, and a thorough investigation into how these unauthorized charges occurred. Please let me know the next steps regarding this matte
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information currently reflected on my credit report. I recently reviewed my credit report and noticed that new entries have been added to my account without my prior knowledge or notification. These additions are not only unexpected but also appear to be inaccurate and require immediate investigation. 
I am concerned about to be disputed item below, which were added to my credit report without prior notice or communication from the creditor. I was not informed of these changes, and I believe the entries may be incorrect or fraudulent. 

Account Name : XXXX XXXX Account Number:XXXX Reason : I have never entered into a contract with this debt collector regarding this debt. Please provide evidence from the original creditor confirming that this debt collector owns the debt and has the legal authority to collect it, or kindly remove this account from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have attached relevant documentation to support my claim. Please inform me if additional information is needed. 
I request prompt attention to this matter, as the FCRA requires you to be completed within 40 days.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to express my frustration with the challenges Ive faced in trying to resolve an issue with my credit file. Contacting Experian by phone has proven impossibledespite over XXXX attempts, I have been unable to reach a representative to assist me. 

Recently, I applied for a checking account with XXXX XXXX XXXX, but my application was declined because my identity could not be verified through Experian. This issue has persisted for many years, and it feels as though Experian is effectively holding my credit file XXXX through whatever means you are doing internally. 

I strongly urge Experian to resolve this matter promptly. I am seeking immediate action to address whatever barriers are preventing my credit file from being accessed or verified properly. This issue could be fixed in a matter of minutes if handled appropriately. 

While I would prefer to avoid escalating this matter further, including seeking legal counsel, I am prepared to do so if necessary. Please contact me at your earliest convenience to confirm receipt of this complaint and to outline the steps being taken to resolve the issue. 



Sincerely, XXXX XXXX