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

XXXX XXXX an old account from when I was an identity theft victim is on Experian. Experian continues to allow fraudulent debt to be put on my credit report as new debt over and over again. This violates my consumer rights and I was told by a consumer attorney also illegal for credit bureaus to allow it. It is ruining my credit over and over again.
Product: Debt collection

Left a voucemail on my phone saying he was coming to my dealership and didn't tell me who he was scared the XXXX out of me I'm a woman and told me he would garnish my paycheck and never even took me to court or served me paperwork he also called my job asking to speak to my boss
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX Balance : - ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was receiving bills from a collection company. I wondered for days why I received this collection bill twice. If I knew I did not owe anything. I got onto my credit karma and saw I was sent to collections as well. I took action and pulled my credit report on XXXX  XXXX. I am extremely shocked with these accounts on my report that I have never opened. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX  XXXX {$380.00} 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

This account was charged off on the following date XX/XX/XXXX. Since then, the date of the last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) and on XXXX its ( XX/XX/XXXX ) and on Experian it's ( XX/XX/XXXX ) if the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed to be INACCURATE. Please delete this account from my credit report. 

Account Name : XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Equifax XXXX OF XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$540.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have noticed inaccurate information reporting on my credit report. I have sent a few letters regarding this to TransUnion. However they have not complied or shown they have started an investigation and i have grown tired of waiting. They continued to send stall letters to prove my identity and to send the corresponding documents, which I did twice.
Product: Checking or savings account

In 2020, the group that also " works '' at Chase bank ordered a death hunt on me.

I nearly died. And I was temporarily declared dead.

Chase staff used this opportunity ( or did they create it? ) to impersonate me to receive a large inheritance.

To my last complaint, they responded with a letter with completely made-up false statements. No, I did not receive a Cashier 's check from Chase, and I invite them to show evidence of where it has been cashed in. 
https : XXXX Interestingly, the file name format follows the exact same pattern as other police-reported involved institutions, for instance, " XXXX XXXX XXXX. '' Furthermore, I would like details on the account that was allegedly closed in XXXX Who closed it? Why? Please provide the transaction history. 

My account is open, and it has over XXXX Million USD on it. 

I'm in a homeless shelter, and I've been told by Chase employees that I'd die from no money. 

The " bank '' already lost their banking license, because they do not just try to murder me and steal my account. Every banker can see that Chase has no banking license. Every IT person can see that they're now operating a spoofed website, because their website has been taken down. A simple traceroute does the trick. 

I need my OPEN bank account back, with my over XXXX XXXX USD. 
Please see XXXX for details and tons of evidence on this group. 

It follows the same pattern as the XXXX Bank theft, where you will find evidence, such as calls, communication, and more.
Product: Credit reporting, credit repair services, or other personal consumer reports

My accounts were showing 30 to 60 days late in XXXX and XXXX. Due to XXXX and XXXX, I was informed by creditor that late fees and payments were being waived and credit back to me. Accounts still shows 30 to 60 days late. The following accounts are : XXXX XXXX  : XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX  XXXX, Other Cards : XXXX, XXXX XXXX, XXXX XXXX late payment in XX/XX/2019 has been removed and credited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE OR NOR CONSENT TO THE FOLLOWING INQUIRIES BEING FURNISHED ON MY CONSUMER REPORTS! XXXX - XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

I was hit by a drunk driver. I was represented by an attorney and the case was settled in XX/XX/XXXX. On XX/XX/XXXX, my attorney contacted and paid all of my medical debts in full. I received copies of all of the deposited checks for my records. In XX/XX/XXXX Paramount Recovery Systems posted a delinquency on my credit report for one of these medical bills. The bill was from XXXX XXXX XXXX XXXX XXXX. I called the debt collector and explained the situation. The representative said she would send a message to her supervisor and call me back. This went on until XXXX when the representative told me that I had to email the proof of payment to her supervisor. On XX/XX/XXXX I emailed the proof. 2 weeks later I called again and the representative said she saw the message but that nobody and looked at it yet. I called again a week later and the representative told me that the supervisor was working on it. On XX/XX/XXXX I tried to refinance my mortgage. The errored delinquency was still on the report. The lender informed me that I would have to pay {$2000.00} more because of that delinquency. I called the debt collector and informed them that they had proof of payment for 56 days and had done nothing. And then I discovered that they had actually reported the errored delinquency to another credit reporting agency on XX/XX/XXXX. That is a month and a half after they received proof of payment. The representative told me that my deposited check was not proof and that they would have to speak with someone at XXXX XXXX XXXX to prove that the deposited check was in fact real. This is a bank check through an attorney 's office, not just a personal check that I created. I called XXXX XXXX XXXX and after being transferred and put on hold for over 2 hours they confirmed that they had deposited the check and they were not sure who Paramount Recovery Services even was. They had no record of anyone attempting to call from there to get an explanation. I called Paramount Recovery Services and was told by the rep with a rude and conversation ending tone, " Sir. There's nothing I can do for you. Either we have to hear from XXXX XXXX XXXX or you could just pay this now and it'll make it go away. '' I am at a complete loss and feel helpless to these people who are causing me stress and financial hardship even though I have proven to them that I have already paid this medical bill. Please help me.
Product: Debt collection

I am disputing the debt as reported by Midland Funding for {$6000.00} from XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents of proof have never been provided to me and the reason is, they do not exist.
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have fallen victim to identity theft, leading to several fraudulent entries on my credit report. These 7 unauthorized accounts and 6 inquiries were added without my knowledge or consent, and they must be addressed immediately. 

ACCOUNT - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am demanding the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Transunion 's XXXX TU ) phone number, XXXX, located on their website, reaches XXXX XXXX XXXX  in XXXX, NV. Apparently this has been an unresolved issue for months, as the lady who answered at XXXX XXXX XXXX immediately asked me if I was trying to reach XXXX, and that many have complained directly to XXXX, yet their phone number remains the same. That's my first issue. 

Secondly, when I try to log on, I can't get past the HARD SELL page of, secure your credit for {$19.00} a month. 

It seems like a conflict of interest for the credit reporting agencies ( they all have hard sell XXXX to offer this sort of security as it should be a given to keep my data secure. 

I suppose it behooves XXXX to keep consumers guessing on how and why their score 's been impacted and how a consumer can raise their score without having to use " XXXX '' or another tool as banks are their customer. 

I should have excellent credit, just like my husband, as we have identical usage, a mortgage, and payment history, yet my highest score is XXXX, whereas his is XXXX. 

Please address my score issue, the conflict of interest, and the incorrect telephone number. 

I appreciate your time and assistance on this matter and look forward to hearing back. Please let me know if you need anything from me to assist you. 

Best regards,
Product: Checking or savings account

I had an account with Credit Karma Money and had a debit card and also had direct deposit set up for my paychecks to deposit into my account every payday. On or about XX/XX/XXXX I contacted Credit Karma to report my wallet had been lost or stolen and i needed to cancel my card and request a new card. Then im told that alot of charges were on my account so i disputed all of them and i was asked basic questions to begin their investigation and one of the questions they asked was did i share my pin number or authorize anyone to use my account and i told them that back in XXXX i was in a terrible car wreck and as a result from the accident i ended up with a blood clot the size of a dime in my right leg and over time the clot has made its way all the way up to the middle backside of my brain and is now approx the size of a XXXX cent piece and if it moves anymore it may kill me and due to its location it hinders my memory alot so im required to write down all my pins/passwords on paper and keep with my cards in my wallet and whomever found or took my wallet not only had access to all my bank cards but total access to all of my accounts. Well, eventually my dispute was denied so i appealed the denial and asked why i was denied and they said becuase the card was present during some of the fraudulant card usage and i siad of course it was and so was my entire wallet probably so i kept appealing their denials. On the XXXX appeal that i submitted approx an hour after i got off the phone from submitting the appeal, i got an email that said that they are closing out my account and whatever funds are still in account they will nail out a check and instructed me to detroy all my banking related stuff and the account will no longer be valid and not to attempt to reopen another account as those will be deactivated as well. So i called them and said it boils down to they are discriminating against my medical XXXX by closing my account and is not even right to do and they said they were closing the account because their was no activity at all for 2 years and i siad i juat used it less then a week ago and they said they see that and said to not worry about it and to ignore the email i got as my account is fine. Well, it was not fine, a few days later i inquired on my dispute and immediately afterwards they closed my account on me and now i dont have an account and i said this is all because of my XXXX cuz if i didnt have my pins on paper to allow access when my wallet was taken none of this would of ever happened and my account would still be ok. I got XXXX mesage from them said i allowed access to my account with my pin and my denial is final and if i must seek my money back then i need to talk to each merchant myself as they wont help. This is totally wrong i cant help my XXXX!
Product: Credit reporting or other personal consumer reports

My information was stolen during a data breech 3 times. My credit has been horrible ever since. I need my credit erased so I can have my life back
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Unifund CCR LLC Collection account with a past due balance of {$1400.00} was removed from my credit report as I requested pursuant to the FCRA requirements. XX/XX/XXXX, the collection account was reinserted on my consumer report. It's now XXXX and I was not notified in writing within 5 business days, and I am aware that this subject to a {$1000.00} fine per violation in addition to punitive damages. Also I never gave this agency written consent to add this collection to my consumer report.
Product: Debt collection

I received a letter XXXX years ago this had been resolved. I spoke to the company XXXX XXXX who stated they notified XXXX XXXX I paid them in full so fiancing was not needed. I spoke at XXXX who gave me the reference number sent XX/XX/21 reference # XXXX to XXXX stating there was no debt due and to close it. I called them and was told by management my records were deleted due to charge off. I had them removed from my credit over 3 years ago after I proved to XXXX there was no debt. Now XXXX years later they are still harassing me and are now suing me for a debt that does not exist. I still have all receipts made to XXXX and XXXX has emailed them to me as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing i owe {$9800.00} on auto loan with XXXX XXXX XXXX the true loan balance is {$3900.00}. Also showing XXXX  months of finance but it's was XXXX  months of finance with XXXX  month remaining. Experian is way behind with updates. This is hurting my score and Fico
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a letter from BOA in regard to a denied credit application. This was done without my knowledge. I called and spoke with a person in the BOA Fraud Department. I was assured that BOA would notify the 3 credit bureaus of this fraudulent activity. In addition, I placed a security alert on my credit file on XX/XX/XXXX. As of the date of this complaint, this inquiry is still showing on XXXX. 

On XX/XX/XXXX, I called BOA to inquire and was told since it was over 6 months, I needed to take this up with XXXX. And because there was no credit extended to me, BOA could not provide me with any documentation. I called XXXX and they said they could not help me unless I filed a complaint with FTC.
Product: Debt collection

The caller from iq data international said " I 'm putting your account in delinquents because I was unwilling to pay it '' then she said goodbye and hung up! while on the phone I was told by the agent and manager that there is a minimum to set up an account for a payment arrangement, but was NEVER told the minimum amount, I would say I can pay {$20.00} and they would follow it up with " it 's not good enough '' ... I would follow up with then how much is? and they would not give me a percentage or amount. Idk what they were trying to do but they never gave me a straight answer to any of my questions, they refused to take my payment over the phone and told me to send it in the mail this was after they said they accept XXXX they did n't accept {$20.00} I would ask how much is accepted they would say " not {$20.00} '' I was never told a percentage or amount. It was like bickering without coming to a conclusion. Now I do n't want to send in the check because she told me she 's putting it as delinquent, I do n't know what I 'm supposed to do I 'm confused.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an urgent matter concerning my credit report. According to the Federal Trade Commission ( FTC ) Report Number : XXXX, I have identified some unauthorized inquiries on my credit report. I did not provide any authorization for these inquiries, and, as such, I am formally requesting their immediate removal from my credit report. 

Details of unauthorized 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 I am deeply concerned about the potential negative impact these unauthorized inquiries may have on my credit score and financial standing. As a responsible consumer, I consistently monitor my credit report to ensure its accuracy and security. 

I kindly request Equifax to initiate a thorough investigation into these unauthorized inquiries and promptly remove them from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute inaccurate information on their credit reports, and I am exercising this right in seeking the removal of these unauthorized inquiries. 

I appreciate your prompt attention to this matter and request that you provide written confirmation of the actions taken to resolve this dispute. According to the FCRA, I expect a response within 30 days of receiving this letter. 

FTC Report Number : XXXX
Product: Credit reporting or other personal consumer reports

Hello I am filling a complaint against National Credit Systems , Inc . I have been contacting them multiple times over the past several years explaining to them that the information that the XXXX XXXX apartments told them when they sold a debt to them was false. There has still been no resolution since XXXX. I moved in XX/XX/XXXX and moved out XXXX. I asked them to email me the rental agreement between me and the landlord and they did I circled many lies on the rental agreement so that this company could see that the information they were given was falsified and yet they still kept it on my credit report. One lie was that I was charged for damages to their refrigerator but in the retail agreement they sent me it clearly stated that the apartment does not offer any refrigerator. Also I was told that I was being charged for moving out without notice but I clearly stated proof that I spoke to the landlord and did a walk through prior to moving out because I exchanged the keys with the landlord and let the owner keep the full deposit. Yet they still refused to take it off my credit report lying to me on a recorded phone call stating that I didnt have to worry because it would be removed in XXXX of XXXX. Yet we are in the year XXXX and it is still on my credit report. There is no way that Im am still dealing with this 8 years later. I have told them that I did my research and found out that the XXXX XXXX  apartments were owned by XXXX XXXX  and had a reputation online all across the world for falsifying documents and charges after the tenant moved out to get free money and sent proof and yet they still decided to keep this debt on my credit report. This has caused me to be homeless with my children many times over the years because when I apply for a home its the first thing that pops up. They have also been playing with the numbers going up and down on my credit report monthly. They are making it look like I paid a dollar to them and then in the next reporting cycle they would subtract the same dollar from the total amount again and it would show on my credit report as debt going higher again and this has been going on for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a letter on XX/XX/2023 from Genesis FS Card Services, XXXX XXXX XXXX, XXXX, OR XXXX saying they had put a block on my XXXX  XXXX Account. I do not have this credit card and have never applied for it. The letter asked me to verify my identity by sending them a copy of my driver 's license, identity card, passport, military ID card, or permanent resident card. It asked me to mail a copy of the document to them at the address above or fax it to XXXX. It said if you have questions, call XXXX. I just ignored this letter since I didn't think this company was legitimate and making contact with them would give them more information about me that I didn't want to give them and I wasn't going to send them my personal information. It also says the XXXX  XXXX account is issued by XXXX XXXX XXXX Member FDIC and serviced by Genesis FS Card Services , Inc . 
Today in the mail I received a bill from Genesis FS Card Services for the amount of {$76.00} for my account. It says {$75.00} of this amount is for " Annual Fee '' and {$1.00} is for " Credit Protection Fees '' for a total of {$76.00}. 
I have never authorized or received this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus Transunion XXXX  and XXXX ] is fraudulently reporting a high credit card utilization for seversl credit cards when I only have one card. It's impossible. It must be corrected