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

On XXXX I disputed several items on my Equifax credit report via certified mail and was received on XXXX I included the letter, driver 's license, social security card, and bill showing proof of residence. In return on XX/XX/, Equifax stated that I didn't not include any of those items. Attached are the documents included in the letter. I then followed up with a second dispute letter on XXXX showing those items once again. Therefore, Equifax is in violation of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit card or prepaid card

I would like to thank you for your time to review my complaint about my horrible experience with CITI customer service XXXX XXXX representative providing wrongful information to me. My name is XXXX XXXX, I called CITI bank to ask about the dividend card that my grandfather loved and to see if I can pre-qualify since I didnt wanted more hard inquires since Im planning to buy a house next year. The represented informed me that the dividend card is not available anymore and that are better options. And he fallowed by informed me about the Citi ThankYou Preferred Card and the Citi Double Cash and wish I wanted the preferred and we went on to talk about pre approval. And he told me to apply for a secured card and call in so we can do a product change ones I had the card. So I did, and called after everything and then I was told I had to wait for 18 moth for a product change for a secured card to the preferred card. So I talk to a supervisor that told me I was getting a call back in 48h and nothing social media ... same response and nothing so I called again and was giving a fax number.. So I send a fax and nothing.. So Im sending this by mail. My information contact information is bellow and a copy of my drivers license is included. Even though there are other choices available in the market, I prefer to be CITI since is something that my grandfather always used your rewards program and love it. I kindly request you to review my case and get in contact with me and expect a positive outcome so I can enjoy banking with Citi and we grow together.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XX/XX/2019 I began disputing the accuracy of accounts on my credit report on all three credit bureaus. In XXXX I sent all three credit bureaus including XXXX XXXX Methods of verification letters then again on XX/XX/2019. I received no answer on how the items they investigated, how they investigated or what info they obtained and from where. As a matter of fact when I wrote all three bureaus last demanding they delete the items they did not verify accurately they blatantly ignored they missed the 15 days they had to provide me the info and initiated ANOTHER reinvestigation and did not remove the items and continue to claim they are verified when they are not. I am done writing letters. This is the last attempt I am seeking for them to remove all items in question. They had the opportunity to show what their proof was as the burden of proof lies upon them not me. Any and all proof I have will be saved for court if they want to see it.
Product: Credit card

Care Credit : XXXX needed some XXXX work in 2013. I borrowed $ XXXXI have paid approximately {$300.00} against this balance. Due to late payments and interest and penalties the amount continues to grow. 

I have been in financial hardship. I am in severe economic harship. This Care Credit is a preditor which is taking advantage of my hardhip and penalized me for late payments and now seeking a " {$310.00} '' " Minimum Payment '' on this now " {$850.00} '' balance. 
The interest rate on this card is now " XXXX '' perccent. I just made a payment of {$58.00} which I had to use a post dated check. I have a credit union I have been with for 20 years that would never do to me what this President is allowing these scoundrals to get away with. 

I need help. 

XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

recently XXXX XXXX XXXXXXXX reported an inquiry that I did not apply for. 
I already haver had the same card for years the in query is not me and had been on on alert on my report
Product: Credit reporting

I have an old judgment showing on my report that should not be on there. There are XXXX bureaus that report your credit score. I have reviewed XXXX of them and XXXX has an old judgment showing unsettled and the other shows it paid. They are not accurate and it is keeping my score low. I do n't think they update their information on a regular basis because they definitely are not showing the same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Im XXXX XXXX my Last 4 SSN # is XXXX. I am just trying to make a follow up on the letter that I sent to you on XX/XX/2022, I was expecting to get a response but I havent. I am attaching a copy of the letter that I sent to you last time hoping you would take action and investigate this issues on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening ; I'm in real shock right now because how is it possible on an account that was reported closed over a year ago, showing now last month that I was 30 days late. Also, look at the attachment how they are reporting wrong information with different credit bureaus such as the wrong date of last activity ; missing account type detail ; wrong comments ; wrong date of last reporting, etc. I went ahead and highlighted them line by line in RED, as you can see there are several and multiple inaccuracies.
Product: Debt collection

On XX/XX/2020 I was contacted by D2 Management they called from XXXX, I found out the name of the company after continuously calling to request the name of the owner. I received calls from, XXXX, XXXX XXXX and a Gentlemen named Mr. XXXX. They all used first-party collection practices and they are a third-party collection agency. They would not disclose the company 's name and did not provide Mini-Miranda or  disclose we were on a recorded line. When I mentioned these things weren't done on the first call the representative stated " oh wow, you know the law! '' XXXX XXXX, who stated she was the general manager, cursed me and hung up in my face when I requested info on the ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 

XXXX XXXX A XXXX Date Opened XX/XX/2020 Balance {$43000.00}, XXXX XXXX XXXX  XXXX Date Opened XX/XX/2020 Balance {$12000.00}, XXXX XXXX XXXX XXXX Date Opened XX/XX/2020 Balance {$1900.00}, XXXX XXXX XXXX  XXXX Date Opened XX/XX/2020 Balance {$1200.00}, XXXX XXXX XXXX  XXXX Date Opened XX/XX/2020 Balance {$7500.00}
Product: Bank account or service

I have a joint checking account with my step daughter at People 's United Bank. She lost her debit card and called me. I tried to get a replacement ordered at the local branch. She goes to school in a state with no branches. I was told that she would have to appear at a branch to sign an application. She found a branch while on a trip, and ordered her replacement card on XXXX XXXX, 2015. To date, XXXX XXXX, 2015, she has not received it despite my XXXX additional trips to the local branch. During XXXX trip to the branch, I was told that three weeks was not unusual for a wait to get a new card by mail. On the last visit, I was told that she would have to call the customer service line and that given the circumstances, they would allow her to reapply for the debit card by phone. The bank normally charges a {$25.00} fee for " expedited '' delivery of debit cards. I asked if they could tell me when the card was originally mailed, and they could not. No record is kept. They claim the card is mailed the day after it is ordered but I was originally told it would take two to three weeks unless the expedited fee was paid. On my last visit, I was told that the bank " should be able to '' waive the {$25.00} fee to replace the card. My step daughter is on the phone with them now, and waiting for an answer regarding the fee. She just reported that they would not waive the fee, and they refused to send it to her school address. They are sending it to me and I will have to overnight it to her. We are in the sixth week since she ordered the replacement card and it may be another week before I get it.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX XXXX XXXX XXXX XXXXince I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX XXXX, creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed inquiries that are not mine. XXXX XXXX XX/XX/year>, XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I created an account to do a couple of background checks on renters for my one rental property. 

The website " links '' don't work. 

Information is supposed to be available for 30 days and within that time period, I CAN NOT access information. 

There is NO receipt for a background check that costs {$40.00}. How is there NO receipt for a transaction I paid for with a credit reporting agency. 

I can NEVER login and ALWAYS have to create a NEW password. 

This company seems like a scam and is extremely unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XXXX, I pulled my credit report from Equifax in light of all the recent breaches. On there I noticed 2 public records that do not belong to me. I disputed them and they came back to me on XX/XX/XXXX stating that they belong to me and it was verified through a 3rd party XXXX XXXX. I never gave XXXX XXXX authority to have my personal information neither did I give Equifax authority to give my information to someone else. I also researched the information they are reporting and find that the XXXX County Register does not report to the credit bureaus and furthermore does not have the information they are reporting in their records. 

Furthermore, starting XX/XX/XXXX, the three major credit reporting companies Equifax, XXXX and XXXX were impose with stricter rules on the public records they collect, requiring each citation to include the subjects name, address and either their Social Security number or date of birth.  which they do not! 

My name is a common name and with all their neglect and exposure of my credit file I am asking you to help me to get them to remove these two files from my report. 

Case # XXXX XXXX County Register of DeedsXX/XX/XXXX Case # XXXX XXXX County Register of Deeds XX/XX/XXXX These accounts are not listed on no XXXX or XXXX.
Product: Checking or savings account

Deposited XXXX in my checking account when it still had a positive balance. Bank told me they were holding my money for 7 business days becuase an overdrew my account a few times. 7 business days is too long since it involves a weekend and then 3 more days bringing zero acces to my account for 10 days which is 3 days longer than federal law. Also, since they had my checks on hold for so long, my account was overdrawn again since they were holding my money for so long. In another opinion, the excuse for holding my money was because of overdrafting. Since Im charged a fee for the each time that happened, they were paid each time with zero issues. This holding my money is totally unfair and is an excuse for the banks to hold my money so they can use it for 10 days. I called and complained and got brushed off with I have to speak to my manager and call you back which means we most likely will not call because thats how people are. I want my money and the bank to be told to never hold my funds ever again. Totally unfair, makes me late paying my bills or running my business. I want something done ASAP. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my student loans in XXXX The lender then sold my loan, went out of business, and my loan was sold 2 or 3 more time. All while interest upon interest has been adding up for the interim XXXX  years at a 9 % rate. I have escalated this matter to the XXXX services, to no good end and am getting ready to send a package to the Dept of Education. Trans Union is incorrectly reporting this information as well. I am unable to get a mortgage loan with this {$110000.00} debt on my credit and beseech you to help me clear this debt off, once and for all.
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f  ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Product: Payday loan, title loan, or personal loan

Loan is {$60.00} a week for 18 months, and the documents would not load right on the browser to show me what the agreement was.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/XXXX, I opened a new checking account with US Bank, through an offer with my insurance company XXXX XXXX. The offer was to provide a {$450.00} bonus/credit when a new account was opened and {$8000.00} or more was put into the account by direct deposit within 90 days. 

The credit was supposed to be added within 30 days of the last amount of required deposit, which would have been in XX/XX/XXXX. No credit or bonus was applied to my account. 

On XX/XX/XXXX, I called US Bank to ask about what the delay was, and the representative I talked to said she had submitted a request for the company to look into it. 

No communication from US Bank occurred. 

I called again on XX/XX/XXXX and asked the representative if anything was learned as no credit or bonus had been applied, and was told that a different representative would have too look into it, and I was transferred to a different person, who said they would look into it and get back to me in XXXX business days. 

It has now been XXXX weeks with no update or contact from US Bank, and it seems obvious they are not genuinely looking into the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not responding to any of my numerous requests to investigate, verify and remove one account from my credit report that does not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized I identity theft Late Payment Account Dear TRANSUNION I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized Identity theft late payment account are as follows : * Account Name : XXXX XXXX * Account Number : XXXX * Date Opened : XX/XX/XXXX * Late payment XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

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

I just reviewed my Equifax, XXXX and XXXX credit reports and it still shows the inaccurate and unauthorized accounts. 

This account is inaccurate and fraudulent. I'm seeking litigation. Please delete and block from my credit report immediately
Product: Debt collection

1 ) XXXX XXXX has used Thug Like Measures - Demanding ( without Surety discussing with me ) Has aggressively asked my Surety Bond Company Cancel my bond for XXXX/XXXX license that had direct impact on XXXX XXXX License XXXX ; which I have had for nearly 4 years. Dated XXXX/XXXX/16 a. We have a written agreement XXXX/XXXX/16 ; XXXX & XXXX & XXXX Baxter Bailey with 4 payments ( two made already ). 

b. Our Surety cancelled both bonds, I was under the impression since we had an agreement with BB that this would not impact the bonds. 

c. Am reapplying for new bonds, IF I AM NOT ELIGIBLE or am denied I can be forced out of business that will impact XXXX-XXXX employees. 

2 ) BAXTER BAILEY XXXX XXXX - Collections Associate and the company have multiple legal and complaints 3 ) XXXX XXXX Baxter Bailey VP Sales has placed a XXXX website posting on XXXX/XXXX/16 ( EMBARASHING and placing information out there that needs to be removed ). 

4 ) XXXX XXXX and XXXX a XXXX business is NOT AWARE OF THE " harassment, online doxing ( shaming ), and the failure to resolve the claim once it was settled '' CAN YOU ASSIST ME XXXX - XXXX XXXX ( USA ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA. XXXX Ph : XXXX Fax : XXXX Cell : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

need the accounts mention below validated Community/zales # XXXX XXXX XXXX XXXX XXXX XXXX Absolute Resolutions # XXXX