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

THIS IS MY THIRD COMPLAINT. 

EXPERIAN IS CLAIMING THE SUBMISSION COULD NOT HAVE BEEN SENT BY ME THE FIRST TIME.

IN MY SECOND COMPLAINT I SUBMITTED MY DRIVERS LICENSE AND SOCIAL SECURITY CARD WITH CONFIRMED ADDRESS.

MY DRIVERS LICENSE AND SOCIAL SECURITY CARD ARE ATTACHED BELOW ALONG WITH THE 6 LETTERS SENT OVER THE LAST 12 MONTHS TO EXPERIAN.

I Have tried to dispute the incorrect information with the Credit Agency 's with little to no progress. 

I began the process in XXXX of XXXX and as of XX/XX/XXXX the disputed issues that I contested are still on my credit reports. 

After ordering my detailed credit report, I disputed the records with both the issuing company as well as the credit agencies them selves. The debt agency and creditor bureaus were unable to find any information proving the accounts were mine as required by Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A of FCRA. One of the accounts in question was opened at a location and time in which it would have been impossible for me to authorize.

After Writing 6 separate letters to each credit bureau, I  have been unable to receive a solution to my issues. I have asked several times for proof of the account as required by Section 609 and 611. The credit bureaus and the supposed debt and credit companies that issued the disputed items have not been able to provide any relevant information regarding the validity of the account. A number of the accounts disputed have no relevant account history, or history that began after my original dispute was filed after XX/XX/XXXX. Many of the accounts have missing information for several months. None of the accounts have been verified with the required supporting documentation. 

I wrote the dispute and follow up letters by hand over the last 11 months and mailed them with Registered/certified postage. I have copies of all letters and correspondence to and from the credit bureaus attached to this complaint. 

IDENTIFICATION ATTACHED BELOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX keep putting Negative, Unauthorized remarks on my XXXX XXXX accounts which says " Dispute resolved, consumer disagrees, account closed '' I have never disputed this account and I have two XXXX XXXX accounts both closed with on time payments. These bureaus keep putting remarks on my credit report as a way to try to harm my credit worthiness and I am sick of it.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was supposed to get XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told this office helped XXXX XXXX with community care service.The day I went there XX/XX/2022 I was put under anesthesia a temporary loss of control for medical purpose.I was told to sign a paper for the work to be completed so I signed not knowing this was a credit care application for credit until I received a bill in the mail telling me I owed {$15000.00} I was very upset.I did not go back to this dentist and I contacted care credit/synchrony bank in XXXX, XXXX. to complain and try to explain to them about what had happened.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently respond within 24 hours stating the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) XXXX U.S.C XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's action may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX. CXXXXe XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the account that are reporting that are reporting inaccurate : XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX  XXXX Account # XXXX
Product: Credit card or prepaid card

I opened a Costco Citicard but decided I did not need it. I tried to close the account and thought I did ; however, later found out it was not closed. I tried contacting Citi bank multiple times but could not ever talk to a person or understand the phone prompt. Thinking the account was closed I did not realize there was a balance. Because of this, Citi was charging me late fees and interest. They sent threatening letters that made me realize it was not closed and the card had a balance. I feel like Citi discriminated against me and took advantage of me because of my age and not being able to access information on the phone or website. So now a {$110.00} charge has blown up into a {$190.00} bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX, ACCOUNT XXXX RECENTLY APPEARED ON MY EXPERIAN AND XXXX  CREDIT REPORTS. 
I disputed the account with Experian as not mine and it was " verified '' within 2 days. 
During this time, the account appeared on XXXX as well.The account is not mine. 
It says the original creditor is XXXX-XXXX XXXX.This is not my account.I did not live at the address they say when I was delinquent.It is either an error or belongs to someone else whether or not someone used my ID, I HAVE NO IDEA!
Product: Credit reporting or other personal consumer reports

I have inquiries on my report I did not give authorization to. Please block and delete these inquires. I also have extra names and addresses that does not pertain to me. 
Please block and delete the following : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Unauthorized Inquiries : CXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Resident Verify XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Inaccurate Extra Names : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX only name is : XXXX XXXX My only Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX All other addresses must be deleted. I don't want my personal private info sent to the wrong address for a person to see.
Product: Debt collection

On XX/XX/XXXX, I signed registered with the University XXXX XXXX for an XXXX class ( XXXX XXXX ). The very next day I got an email stating the class is not excepting enrollments from the University XXXX XXXX and thus I did not take the class. In XX/XX/XXXX, I get a letter from Williams & Fudge , Inc stating I owe {$1500.00}, about a quarter of it is late fees. I ca n't understand why they want me to pay for a class I could not attend per the University XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Federal Deposit Insurance Corporation, FDIC : XXXX XXXX has allowed fraud to occur on XXXX 's department credit card, and are in violation of Fair Debt Reporting Act, as well as, Fair debt collection practices act ( 15 USC 1692, 1681 ). They are reporting their fraud onto my credit report ( all 3 credit bureaus ) and the 3 credit bureaus are refusing to delete or correct the inacurate credit reporting, in knowing, I have validated I DON '' T OWE XXXX them receipts of that fact. 

Please assist with removing XXXX XXXX, XXXX XXXXXXXX XXXX XXXX off credit report XXXX as NONE OF THEM HAVE VALIDATED THE DEBT ALLEGED. Please have their adverse reporting REMOVED OFF MY CREDIT REPORT. 

Sincerely, XXXX XXXX XXXX XXXX PHONE : XXXX EMAIL : XXXX XXXX
Product: Mortgage

I purchased a home at XXXX XXXX XXXX XXXX XXXX Pa XXXX. 
I financed with Loan Depot, a company that only required me to pay 3 months of prepaid taxes and 6 months of prepaid insurance at closing. 
They used a bait and switch strategy where they undercut the local lenders with lower closing costs. Local lenders were charging 9 months prepaid taxes and an year ahead of homeowner insurance. 
Based on the purchase agreement I agreed to pay XXXX a month which is all I could afford. I bought the home in XXXX and the taxes were due in XXXX. 
Because I put 5 % down- I am forced to have an escrow account. In XX/XX/XXXX Loan Depot sent me a letter claiming that they were short in escrow- the taxes did not go up but they did not account for less XXXX in local taxes. I was fine to add XXXX to my monthly payment ot catch up for the shortage for this year and add the amount going forward. However- they increased my payment to XXXX for 9 month- until XX/XX/XXXX. In reality they do not want to forward my taxes and they are making me pay over XXXX month for 9 months which is against the purchase agreement. I had to withdraw money from my retirement to make these increased payments. This is against the law and they are keeping me XXXX to my credit and the home i purchased. If I fail to make the full payment they could foreclose the home. I contacted them sever times over the phone and in writing and a consumer agency. I have my numbers right - I am a XXXX XXXX  and have a XXXX in XXXX XXXX. I have my numbers right. I believe this is something that they do to many people and a class action lawsuit is needed. I am planning to sue and recover my losses since they put me in a tight spot and they wont allow me to get out of the escrow and pay my own taxes. 
Please investigate this corrupt company. One of their escrow people hung up on me when I requested the payment to be adjusted back. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE INCORRECTLY BEING REPORTED ON MY PROFILE. I DONT HAVE ANY MISSED PAYMENTS. THESE MISSED PAYMENTS ARE CAUSING ME HARDSHIP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry on my credit for a limit increase. It appeared that the request would be a soft inquiry but ended up as a hard inquiry. 

I would like the hard inquiry removed from my report. 

This was my XXXX XXXX credit card through XXXX.
Product: Credit card or prepaid card

My father can not handle his affairs due to being placed in a nursing home. I am an authorized user on his account. The account is frozen due to some identity problems and I have sent a P.O.A to Capital One to pay this bill in full and close this account. On XX/XX/2019, I sent the P.O.A and pertinent info they requested by fax. In the meantime I have had numerous conversations with them to pay this account. They refuse to send the monthly bill, have denied me online access and tell me I can make a payment by naming an amount to pay. They will not tell me the balance or anything else. 

I received a letter dated XX/XX/XXXX, that the have deemed my POA not valid because they added more stipulations that were not stated before. Also it takes them weeks to review a POA. Now they are stating they need to know my citizenship, if I am a resident of US and what my yearly salary is and where I work. This is not what makes a POA invalid. I am retired, does that preclude me from acting on my fathers behalf. 

I have it on record by them refusing to allow me to pay off this account, that the account will go into default for nonpayment. This is a tactic now by the bank to stall so that interest and penalties are accrued on this account. 

I want access to this account without delay and close this account permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank continues to call me at work despite being asked not to contact me. Synchrony Bank has reported inaccurate information to the credit bureaus. Specifically, Sychrony bank is reporting late payments. I had a special payment arrangement in place with a set amount.
Product: Credit reporting or other personal consumer reports

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my XXXX XXXX. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Debt collection

I sued my landlord XXXX XXXX XXXX because of fraudulent charges after move out. They wo n't release my security deposit. Before the court date, the landlord sent my " debt '' to a debt collector, Kimball, Tirey and St John LLP. However, I won a judgment at court against XXXX XXXX XXXX XXXX but up to now, the " debt '' is still outstanding on Kimball, Tirey 's website - https : //kimball.virtualcollector.net/. I sent them XXXX letters - debt validation, and a letter with the judgment attached. They still have the supposed debt outstanding on their website.
Product: Credit reporting or other personal consumer reports

My credit report was included in a data breach with XXXX and my employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX, NC. According to FCRA law I have the right to dispute errors, inaccuracies, and protect my credit from unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet and SSN and someone started opening accounts in my name and I would like these accounts removed the law states if victims of fraud or identity theft these items will have to be removed within the week. 

XXXX XXXX XXXX  : opened XX/XX/XXXX Collection specialist : opened : XX/XX/XXXX XXXX  XXXX XXXX  : opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : opened XX/XX/XXXX XXXX : opened XX/XX/XXXX I also want to remove late payments from department of ED accounts : opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint via the CFPB today to inform the Credit Bureaus I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Hello On XX/XX/2021 I ordered from XXXX XXXX XXXX for {$440.00}. I found out that the order I'd made my order incorrectly and canceled it with XXXX. I was told the refund would take 10 days but when more than 30 days had passed and I had not gotten a reply to my emails to asking about the refund, I disputed the charge with Robinhood in XX/XX/2021. 

I gave Robinhood pictures of the receipts and explained what happened. 

In XX/XX/2021 I received an email from XXXX  that my refund for {$440.00} had been submitted. 

It is XX/XX/XXXX and I have not gotten a refund or a credit back to my account. 
As I write this I'm talking to a " XXXX '' at Robinhood customer service ( XXXX ) XXXX This is the strangest customer service experience I've ever received. He doesn't appear to understand anything I'm saying and is talking in complete circles to me. 
I am getting no help whatsoever from Robinhood. They are just playing games with me.

Robinhood is claiming that there is a transaction in my account, not visible to me either in the app or online that explains where my {$440.00} is. The {$440.00} is not in my account and no one can explain this to me. 

Robinhood has sent me back an email saying they will not issue me a refund and they are impossible to get on the phone and are not responding to emails or pleas on social media.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$14000.00} ; XXXX  XXXX XXXX : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$16000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Re : Complaint Regarding Wage Garnishment and Unauthorized Withdrawal by XXXX XXXX XXXX, XXXX on Behalf of Midland Credit Management , Inc . 

Dear Sir/Madam, I hope this letter finds you in good health. My name is XXXX XXXX XXXX, and I am writing to bring to your attention a matter of great concern regarding an ongoing issue with XXXX XXXX XXXX, XXXX and Midland Credit Management , Inc . 

I reside at XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and my contact number is XXXX. Recently, I have experienced significant financial distress due to an unauthorized wage garnishment initiated by XXXX XXXX XXXX  XXXX on behalf of Midland Credit Management , Inc . This matter has caused undue hardship for me, as I do not owe any money to any company or entity associated with this garnishment. 

Here are the details of the situation : XXXX XXXX : Cause No. : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Withdrawn : {$3600.00} Legal Order Debit Contact : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Case # : XXXX I would like to emphasize that I have never had any dealings with Midland Credit Management , Inc. and have never incurred any debt with them or any other company. It appears that there has been a grave error or misunderstanding in this matter, leading to an unjust wage garnishment and unauthorized withdrawal from my bank account. 

I kindly request your assistance in investigating this matter and facilitating the return of the wrongfully withdrawn funds to my account. Additionally, I seek your intervention to ensure that XXXX XXXX XXXX XXXXXXXX and Midland Credit Management , Inc. cease any further actions related to this erroneous garnishment. 

Please find enclosed copies of relevant documents, including bank statements, withdrawal records, and any other documentation that may aid in your investigation. I am more than willing to cooperate fully and provide any further information required to resolve this issue promptly. 

I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumers ' rights, and I humbly request your assistance in resolving this distressing situation. I look forward to a prompt and satisfactory resolution of this matter. 

Thank you for your attention to this urgent matter. I can be reached at the phone number provided above, and I am available to provide any additional information as needed. 

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

In XX/XX/XXXX XXXX  I approached a XXXX dealership in XXXX California with a preapproval letter from XXXX XXXX XXXX XXXX I put a XXXXXXXX XXXX  from them through an XXXX XXXX however, on my credit report showing in XXXX an inquiry from XXXX XXXX XXXX XXXX on XXXX  I never gave them permission to run my credit as I was already preapproved via XXXX XXXX XXXX XXXX. This inquiry from them is fraudulent and needs to be removed immediately
Product: Payday loan, title loan, or personal loan

I got an installment loan from Advance America of {$1000.00} on XX/XX/XXXX. LITTLE did I know, that they would charge me a XXXX interest rate!! So I owe them back {$5400.00}, so I will have to pay them {$6500.00}! Thats a car! And I will not finish paying them twice a month of {$130.00} apparently until XX/XX/XXXX. I can not handle this type of loan by myself at all. They can shoot my credit down or do whatever they want, but this is robbery at this point. ROBBERY. And Ive spoken to an associate about this already because I wanted the situation handled or refinanced even as I havent made a first payment, because Ive had XXXX  these past two weeks and had no idea how much it truly was, XX/XX/XXXX.