23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

ATTENTION TO BANK  XXXX XXXX XXXX XXXX CREDIT BUREAUS XXXX SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company.This account has been reporting to my file since 2015. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2000.00} does not belong to me. This account was fraudulently opened through this company BANK XXXX XXXX in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or Credit Card ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Debt collection

I have received daily phone calls from a company called XXXX XXXX , XXXX Their address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX , PA . They claim that I was paying on a debt that was being collected by a previous debt collection company, almost a decade ago. And that the other company went out of business without me having paid off the debt, which was originally owed to Citibank. I do not owe a debt to Citibank and have no memory of ever having an outstanding debt with Citibank. 

I sent a letter to XXXX XXXX informing them that I am disputing the debt. The letter was mailed as a Priority Certified mail parcel, XX/XX/XXXX and arrived to the post office in XXXX XX/XX/XXXX. So far the post office is saying that no one from XXXX XXXX has attempted to pick up the mailed letter. 
I believe this is intentional and that they are not picking up the letter, as then there would be evidence that they had received the dispute letter. I suspect that they will wait a significant period of time to retrieve the letter, so that they can claim that it was received outside of the 30 day window. 

Now they have started calling my wife in addition to calling me. 

The Account # XXXX XXXX assigned to me was XXXX, and they stated that the original account from Citibank was XXXX.
Product: Debt collection

Im filing a complaint against Equifax. I am a VICTIM of identity theft, and I have followed the proper channels by submitting detailed information, including police reports and evidence of the identity theft, yet Equifax has failed to conduct a proper and timely investigation. Up to now I STILL HAVENT RECEIVED ANY INFORMATION OR RESOLUTION REGARDING MY DISPUTES! And I am disputing these accounts to be removed as these are fraud accounts. I insist that I have no idea how the theft took place. I also do not know any suspects. I did not receive any money, goods, or services as a result of identity theft. I insist that you cease the practice of routinely refusing my requests without proper validation. I need these fraudulent accounts removed from my credit report promptly. 
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

In prior many occasions when I tried to pull my free annual credit report and also when I tried to pull a free credit Report due to ( in this case : denied credit ), Equifax denied me that right for convenience to get my free credit report online. I included attachements that prove the Equifax denial of my right of free credit report intentionally. The attachements are of my most recent requests of my free credit report from Equifax. I called Equifax many times ( I have proofs of those many calls if I decided to go to court and show that to the judge ) and urged them to stop blocking me from accessing my free credit report ( described above ) online but Equifax did not address that issue. I havent taken this case and other against Equifax to court yet until I hear from them through this consumer portal of their response/s and action/s to solve the problems they caused to my person intentionally because there is no justification provided as shown on the attachements, they wanted to make it harder against me to get my free credit report and instead use paid service to Equifax for that purpose that can be accessed online for free as described above why it is ligitimately had to be free. 
I think Equifax is engaging in an ethical business behaviors by denying a basic right to a consumer ( myself ) for a free credit report. I think that federal regulators should investigate this credit bureau further for this unethical sales tactics. Equifax by denying my right of my free credit report is targeting my person to obstruct my continuous monitoring of my information and by harming my financials that way, Equifax is encouraging other parties, that I did not consent to access my credit report, to use my credit information and destroy my financial reputation. 
I demand from Equifax to give me detailed information of their reason/s to deny me to access my personal credit report. I will not accept scripted or general statement from Equifax I am expecting detailed information related to me and I think I am clear on this with Equifax and they know I am asking ligitimate answers not an answer that can be used to just show off it was a response to my formal complaint against Equifax. 
Signed today XX/XX/2017
Product: Vehicle loan or lease

I leased a car in Massachusetts through Tesla Finance in XX/XX/XXXX. When my XXXX XXXX XXXXXXXX XXXX XXXX stopped working for a period of time, and it took me awhile to get a new one, I called XXXX XXXX and they said they would either take the tolls off my credit card ( which was on file ) or bill me until which time I received my new XXXX XXXX. So, I assumed I was being billed and had no reason to think otherwise as I had received no violation notices. 
When I tried to reregister my car in XX/XX/XXXX, I was told I could not because of outstanding XXXX XXXX ( XXXX XXXX ) violations. Apparently the violation notices had been sent directly to Tesla and they were never sent to me which is in violation of N.Y. Comp. Codes R. & Regs. tit. 21, Section 201.8 ( Section 201.8 ) pertaining to toll violations committed over New York State bridges.

Because these were Tesla 's violations, XXXX XXXX and the collection agency refused to give me any specific information or allow me to pay the violations because Tesla was the registered owner and only Tesla could pay them. It took Tesla a total of XXXX months to pay the violations during which time I was being charged for my lease but could not legally drive my car. 
Now Tesla is demanding I pay all the violations and fees, which total {$8300.00} ( most of the charges are late fees incurred because Tesla failed to notify XXXX XXXX that the notices should be sent to me ) and has charged me for XXXX months of my lease when I could not drive my car. 
**Please see 30 Day Demand Letter attached and additional back-up which provides more detailed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to TransUnion and XXXX  about a inaccurate debt/account on my file. The account in question is in no way related to me. I don't owe anything or have ever used any of the collection agency XXXX XXXX XXXX  XXXX XXXX or original creditors ( XXXX XXXX XXXX services. 

However they didn't do their due diligence in reporting/investigating. 

They have me confused for my father. Whom shares the same exact name as me. The debt/account is owed by him for services that he used and in no way relates to me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

On XX/XX/XXXX, I made a payment of {$5100.00} to XXXX Rooter Plumbing for plumbing work to be performed at my property located at XXXX XXXX XXXX, XXXX IL XXXX. This payment was processed through SYNCHRONY BANK / XXXX XXXX XXXX. 
Unfortunately, despite the payment being made, XXXX XXXX XXXX never show up to complete the agreed-upon plumbing services. I have made repeated attempts to contact the company to schedule the work, but they have been unresponsive. 

On XX/XX/XXXX XXXX XXXX XXXX owner of the Plumbing Company agreed to refund the full amount since no services were rendered as shown in text chat and the email letter from him. 
I contacted SYNCHRONY BANK / XXXX XXXX XXXX multiple times to explain the situation and request a reversal of the payment. I spoke with customer service representative and submitted a dispute claim with them at least 5 times, lastly on XX/XX/XXXX XXXX, Bank has denied my request, stating the following reason : We have received no proof that a credit is due on the account from you and or the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit 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
Product: Debt collection

XXXX XXXX, XXXX XXXX in MD, was paid in full for amount due, then turned the exact same amount over to collections. Neither XXXX XXXX, XXXX XXXX, nor National Credit Systems ( NCS ) are willing to cooperate to have this removed from credit report after providing proof there was do debt to begin with. XXXX XXXX XXXX department doesn't respond, and NCS disputes are. handled by a lawyer. All of which seems intentionally coordinated, and predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to the credit bureaus about a collection XXXX XXXX XXXX XXXX XXXX and have not received a response back or any results
Product: Mortgage

Tried to refinance. But Wells Fargo screwed up paperwork. XXXX was supposed to include insurance but they made a mistake. Didn't find out until I didn't pay my house insurance and it got cancelled because neither did Wells Fargo didn't secure the insurance. Lots of issues with Wells Fargo. Sold mortgage 3 times no communication. Never let me get our belongings and house sold without notifying us of foreclosure or court date. XXXX and not able to do much after the fact.
Product: Credit reporting or other personal consumer reports

This is in regard following account ; Alleged Creditor : XXXX XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with XXXX for XXXXXXXX XXXX who is reporting a {$70.00} debt since XXXX, and now they are stating on my report it will not come off until XXXX..the account has been charged off..XXXX XXXX keeps changing debt date to keep it on my credit, that is the only way they could hold this debt until XXXX..
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking into Refinancing my home who I have lived in since 2007 in XXXX. When the loan officer looked into my mortgage there was no mortgage listed on my credit report as if I dont own a home. I initially contacted the XXXX to resolve the issue with the company. In XXXX I received the money that was missing from my escrow as well as my mortgage adjusted to the different rate and they stated in the letter they would report my mortgage to All three credit bureaus. After two weeks I contacted XXXX  to see what the process was, they stated I had to wait 45 days for the creditor to report. I am now filing this complaint because I have reached 45 days and no reporting has occurred. I would like to move my mortgage from Fifth Third Bank and I feel like I am being forced to stay there with no evidence of my credit history or current mortgage. It is effecting my credit score and my well being to found a better mortgage rate. I feel that this is a violation of my consumer rights.
Product: Credit card

I work for XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX was part of a massive data breech last fall. Due to this my husband and I both put credit freezes on our accounts. On XX/XX/year> we purchased a new car so for one day we took the freeze off of our credit in order to process that transaction. That same day there was a fraudulent credit card through Bank of America ( BOA ) taken out under my name. The credit card had a {$12000.00} limit on it. I received no correspondence regarding this card either through email or mail. I did not have any knowledge that this card existed until XXXX when I started noticing a severe drop in my credit. I pulled a credit report and found that card. I had an existing credit card with BOA that I never used so when this card was set up it linked with my existing account through my social security number. There were no charges made on the card, only fees that are at this point totaling almost {$600.00}. I made complaints through XXXX, XXXX, and BOA reporting this as fraud. BOA said they would investigate this as fraud and let me know in 30 business days the result. I never heard back so I called them again in 45 days and was told that the original agent never submitted this as a fraud case. I was told once again this would be submitted as a fraudulent card. I at that point filed a police report. I hadn't previously filed a police report because it was a known data breech issue with my company so I just reported it to my company. I called BOA back to add the incident number to my case and was told at that time that the case was already decided and it was found that I am liable for the card. I reopened the investigation and added the police report to the case. It is still being investigated. I never actually received a credit card so I do not have a credit card number or account number for this
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection company on my Experian report that does not belong to me. It doesn't show on my other bureaus. I have filed for id theft. Please remove this credit from my reports because this has left me homeless. Thank you.
Product: Debt collection

I keep getting letters from XXXX XXXX for an address in texas. XXXX XXXX XXXX XXXX, XXXX TX XXXX. I do not live there this was clearly an act of identity theft that I have reported several times to my credit bureau. This is from last year I already reported this
Product: Debt collection

This complaint serves as a formal demand for an immediate and thorough investigation into specific items tarnishing my credit report. These inaccuracies are not only false but are inflicting severe financial and emotional distress due to their derogatory nature. The items listed below demand your urgent attention for deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dispute the following accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX 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

My issue is with the " XXXX '' web site, which is broken. After submitting all my sensitive information ( i.e., every field is populated ), plus the correct " captcha '' box entry, the form just moves to the top, with no fields highlighted that any information is missing. ( i.e., the " Submit '' button is not working. ) Going to the " Contact Us '' page on this site yields only a snail-mail address at one of the credit bureaus. No phone number to reach a real person ; no email address ; no chat. 

This is yet another case of the credit bureaus making it as difficult as possible for consumers to exercise their rights under the various laws and regulations supposedly governing this industry.
Product: Debt collection

Contacted Credence EBB and they stated that they would accept {$510.00} to settle on my account and I agreed. Then I requested they send me a bill via e-mail and gave them my e-mail address. I was then told they couldn't send me a bill for the {$510.00} and if I wanted to settle on the discounted amount I would have to pay then and there or just pay the {$740.00}. I then mentioned to Credence EBB that if they couldn ' t send me a bill requesting payment that I would not pay. So, as of this point and especially now with the Covid-19 going on. I will not be paying this collection agency who apparently doesn't like to do business the right way. 

Thank you, XXXX XXXX Creditor Acct No : XXXX XXXX Credit Ref : XXXX
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report this morning and I have no idea why. I checked my report as usual but found discrepancies out of nowhere. I tried refreshing my browser to see if it was a malfunction, but it wasn't. The unauthorized inquiries remained after refreshing. Due to this issue, I request that the documents I've sent be thoroughly checked so I can stop worrying about this.
Product: Credit card or prepaid card

Hello, I had a debit card sent to my house in my name. I did not open an account. I reached out to the company and had it closed however they asked me to email this as well. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX , FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX DPEDXXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX you say i am basically too stupid to come up with this letter and instead of doing a proper invesitigation you claim that im using a credit repair company. please be aware my next option will be certified mail with time stamp and lawsuit. please do a proper investigaiton into these accounts that do not belong to me instead of my letters being too smart for me to come up with. thanks
Product: Credit reporting or other personal consumer reports

Account should be removed but still showing XXXX missed payments
Product: Mortgage

My mortgage payment increased XXXX dollars as of XX/XX/2020 and despite speaking with several customer service representative, no one can explain why. 
I spoke with XXXX, XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX XXXX services for a short period around XXXX.. When I ordered the services I inquired if it would be a hard or soft credit check. The agent stated soft. I went forward with the order. Few days pass and XXXX XXXX stated there was a hard credit check. I called in to dispute multiple times. Multiple agents said this would be taken care of and most of those calls were an hour at minimum. They put in a form. Advised to wait 90 days. I did, and called to follow up. Agent states it didnt process for an unknown reason ... waited another 90 days. Denied but stated the credit check was valid but 2 minutes ago you agreed and said soft inquires are always issue do out.. so I go and escalate this via chat with a supervisor. He agreed and stated it wasnt normal for this to happen and to go and disputed this with credit department. I went forward with it. They stated that I need to call att for support and get the OK from them. After going back and fourth I put in a word with the attorney general. She was no help whatsoever. Couldnt explain why any of this happened, why supervisors stated such things. All I want is this credit check to be removed. Everyone is making a big fuss over something att has falsely eductated me. If I do get support, I want to speak with someone else higher or equally as XXXX XXXX.