23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I contacted the company via email submitting a complaint and requesting the company refund money to the loan for services not rendered. The company confirmed receiving my email and provided me with a ticket number. I have yet to hear back from the company regarding my complaint. Ive called several times to no avail. The loan was issued for a home renovation project, the company XXXX XXXX XXXX XXXX referred me to Momnt for the loan. Momnt is aware of the pending legal action Ive taken against the company for fraud, however, they havent reached back out to me nor followed through to protect me as the consumer. 

Below are important identification numbers : Ticket number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a contract for services I purchased in XXXX of XXXX. Because the service wasn't needed until the following year, the company kept a credit on file for me to use in XXXX. Service remained unused and a credit for the fee was suppose to be refunded. Company stated they send refund via check twice, payment never received nor proof of payment. 
When bringing these facts to my bank, they said they can not help me because of the original date of the charge being to long ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. One particular account is misleading and incorrect, it must be verified immediately to prevent further harm to my credit file. The 3 credit bureaus are required to authenticate this account : XXXX XXXX XXXX Balance : {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi! My two student loans that I have with XXXX XXXX XXXX are currently reporting incorrect information to all three credit bureaus ( XXXX, XXXX  & Experian ). On XX/XX/XXXX ; I took a settlement offer for {$7500.00} with XXXX but through their " sister company '' XXXX XXXX XXXX. That settlement agreement was to pay {$300.00} over a course of 24 months ; which I've been making monthly payments every month. 
XXXX XXXX XXXX is reporting my account as charged off, past due, & showing/reporting that I'm not making payments at all. XXXX still owns my account & is reporting this incorrect information monthly. I have disputed it with all three credit bureaus agencies ( XXXX, XXXX & Experian ) for the 3rd time as of XX/XX/XXXX with supporting documentation. If this comes back for a 3rd time, that XXXX states " information is correct '', the credit bureaus will be investigating it as " fraudulent reporting ''. I have contacted XXXX  on XX/XX/XXXX & spoke with a lady named XXXX, agent ID # XXXX ; she was very rude and made it very clear that XXXX would not report that information correctly. XXXX ( XXXX Employee ) admitted that they've received payments every month & my current balance showing is {$6700.00}. I explained to her that this was not right but she didn't care. 
I've been working with my financial advisor & mortgage lender ; they recommended reaching out to the Fair Credit Reporting Act because this is causing my credit report to look extremely bad & causing my credit score to be lower every month. 
At this point, I need help getting this issue resolved and at least reporting the correct information. 
Thanks!
Product: Credit reporting or other personal consumer reports

The company XXXXXXXX XXXX XXXXXXXX agreed to stop reporting an account on my report and TransUnion hasnt removed the item. They proceeded to list it as closed. I am now filling out the lawsuit forms and will proceed to filing. XXXX deleted the account but TransUnion is trying their best not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account in my name unknown person stole identity to open credit card in my name to obtain stolen goods XXXX XXXX XXXX Amount XXXX XXXX XX/XX/XXXX 2013
Product: Credit reporting or other personal consumer reports

AFTER CAREFULLY REVIEWING MY CREDIT REPORT THERE WERE SEVERAL ACCOUNTS THAT I HAVE XXXX KNOWLEDGE OF NOR DID I GIVE THEM AUTHORIZATION OR A SIGNATURE. Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit reporting Agencies have been neglecting their duty to correct a consumer 's Credit File despite the multiple attempts to correct my Credit File via numerous Dispute letters and countless CFPB Complaints that I have been submitting to the Credit Bureaus. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. My information has been exposed in the Equifax data breach. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Also, the Credit Bureaus have been claiming that the disputed accounts are verified and yet, they have not sent me copies of documents bearing my signature or proof of ownership to support the Credit Bureaus claims. This action by the Credit Bureaus is a clear violation of the consumer 's rights under the FCRA.
Product: Debt collection

XXXX never sent a bill/invoice. On XX/XX/XXXX they sent a statement saying they have sent 3 invoices and I have until XX/XX/XXXX to respond. I called them, they did n't answer, I left a voicemail. XX/XX/XXXX Summit collection agency called my home letting me know I owe the {$83.00}. plus the collection fee of {$50.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I sent a letter regarding inaccurate and unknown inquiries on my credit report to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage f and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

There is a company called NELNET that as been harassing me since around early 2017 until this day about student loans I dont know of. I found this out when I check my credit report. I tried to get help from other companies to help me with this issues, and no help. I filed Numerous disputes on all three Credit bureau, I even file a complaint with the Identity theft.gov to download the documents they Provided for me to give to all three credit bureau, And they refuse to remove all negative reports on my credit report. I wrote them Numerous of times do not contact me in letters anymore. and they are still harassing me on loans that is not mine. and Ive never knew of them. They are using Illegal promissory notes that was not done by me and falls names and addresses of people I dont know and promissory notes that are outdated. Please help.
Product: Debt collection

I found my credit score had dropped over 100 points for no reason. I checked my credit score and found a collection debt for {$620.00} that is not mine. The company falsely reporting this debt is called Sequium Asset Solutions on behalf of XXXX XXXX XXXX. Please investigate these companies for making false reports to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

18 months ago I was advised by my former bankruptcy attorney to send certified letters requesting special information : date of first delinquency, which is when the 7 year period begins, not when the 3rd party buys the account, but when the account first goes into delinquency status. The letters were returned, I called and the gentleman I spoke with was ignorant, starting they bought the debt and work for the original creditors. They base when the debt is discharged off my credit report, not the original delinquency, to stop using XXXX. I said a bankruptcy attorney is not XXXX, to which he hung up. I've disputed these over the years via XXXX XXXX and they never actual update anything despite receiving emails stating they'll be deleted and removed from my report. I received one yesterday, stating the XXXX XXXX account will be deleted. I'll check on 30 days and I guarantee it will still be on there. Most on there account, original date back to XXXX through XXXX when I original got married and then shortly filed for divorce, because my husband overcharged them while I was on XXXX and I could keep up with the payments, they fell behind and eventually were charged off then placed with collections a year or so later. Therefore, I know the date of first delinquency would be XXXX or XXXX, making the debts beyond the 7 year window to be listed on credit report. I'm asking for assistance because the original creditors have deferred me to the 3rd parties whom don't have the original dates of delinquency, only when they bought the debt making this whole situation and process inaccurate and difficult for me to dispute and clear from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited a few car dealerships In early through late XXXX and XXXX to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. 

These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by credit bureau. 

Resolution : A fair resolution would be for all the above-mentioned hard inquiries to be removed immediately from my credit report on all 3 credit bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, someone walked into a XXXX XXXX, Iowa, Bank Of the West Branch and withdrew {$7000.00} using a counter check. The bank teller never checked the signature against my actual signature on file and handed the fraudster {$7000.00}. The signatures are not even close to matching, and several BOTW employees told me that checking the signature card on file was the standard operating procedure. The fraudster tried going to another BOTW and was turned down because he did not pass any of the security checks.

BOTW has completely shut my online access off for an entire week ; it just gave me a new account number that I can not use because I can not access any of my funds. BOTW had a bank teller hand out my money to a fraudster, and now BOTW is holding my money hostage and has not put the {$7000.00} back even though the XXXX XXXX police apprehended the fraudster. 

Now BOTW had me drive XXXX miles to a branch in Arizona where I live for nothing because I was told they could handle it online. Then the next day, I had to drive back to the branch XXXX miles away because they forgot about the fraud affidavit. So now they keep having me fill out the wrong forms, and a week later, I still don't have access to my money in my account, and I have a business to run. Nobody knows how to do anything correctly, and it is causing me more issues and time that I do not have access to my account. I have three people supposedly helping me, XXXX XXXX, XXXX XXXX, and XXXX XXXX, and nobody can produce a new account with access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX.
Product: Credit reporting

ribe what happened so we can understand the issue ... 
My middle initial incorrectly shows up on the credit reports as " XXXX XXXX XXXX '' when my middle initial has always been " XXXX XXXX XXXX. I have never changed my name, my name has always been XXXX XXXX XXXX from birth. Please remove the " XXXX '' from my report. 

Also the list of addresses I have lived as is incorrect. I have never lived at the XXXX XXXX residence in XXXX. The only XXXX addresses I have lived at are the XXXX XXXX residence in XXXX and the XXXX XXXX residence in XXXX which has been my home since 2008. Please remove the XXXX XXXX residence.
Product: Credit reporting

I submitted a complaint against Equifax. By law, they are compelled to respond within 30 days. They said they would and have n't. As per law, I am allowed {$1000.00} per incorrect item reported. I am demanding {$1000.00} per item that I disputed ( by XXXX/XXXX/2015 ), all disputes be removed from reports and this file be forwarded to the proper regulators for prosecution. I am due damages for their incorrect reporting and plan to sue if this is not resolved promptly.
Product: Credit reporting or other personal consumer reports

CONTACTED XXXX XXXX XXXX THIS MORNING, REQUESTING THE ORIGINAL PURCHASE AGREEMENT FROM THE ORIGINAL CREDITOR XXXX XXXX XXXX WAS TOLD BY A XXXX THAT THIS INFORMATION IS IMPOSSIBLE TO GET AND THEY ALREADY VERFIED THE DEBT AND THAT NO COLLECTION AGENCY WOULD/COULD FURNISH THE INORMATION THE ORIGINAL PURCHASE AGREEMENT BETWEEN THE XXXX AND THE XXXX XXXX I ADVISED THE XXXX XXXX DEBT BUYING AGENT - THAT VALIDATION OF DEBT ( INFORMATION ABOUT THE DEBT ) AND THE ORIGINAL PURCHASE AGREEMENT ARE XXXX SEPARATE THINGS. THE REP BY THE NAME OF XXXX ALSO STATED THIS NEGATIVE REPORTING WILL STAY ON MY CONSUMER REPORT FOR UPTO XXXX  YEARS. THE INFORMATION BEING REPORTED IS INACCURATE AND ERRONEOUS. XXXX XXXX MY CREDIT PROFILE AND THIS INFORMATION IS HARMFUL AND HURTFULTO MY CREDIT REPUTATION.
Product: Debt collection

I was offered a settlement by Westlake portfolio management for an existing debt. I was offered this settlement on XX/XX/2023. I made the payment as requested and was promised by the representative that I would receive a confirmation of settlement letter in my email and my credit report would be updated within XXXX  days to settled for less than full balance. I never received a letter and my credit report only updated the payment I made not the balance. I called back and spoke with XXXX again who said he didnt know why I didnt get the letter, but he would ask for it to be sent again to my email and that the credit report would be updated shortly. I never got the letter. The credit report was not updated. I believe the representative used the settlement offer to get me to make a payment so he could get credit for the payment and never intended to settle my debt. My credit report is still showing the full balance of the debt and no settlement, that is complete misrepresentation of what my balance is supposed to be and what I had to pay to clear my balance. My attempts to get this resolved with the company have been completely ignored. They tell you they dont have supervisors that they can give you to and I just have to wait for emails that never come. My credit has been damaged by this company after I was promised a settlement to clear my balance. This is a misrepresentation of balance owed not to mention outright dishonesty to collect funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th 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 XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX Balance : {$760.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Settled an account with XX/XX/XXXXcompany, and the account still said charged off instead of settled or paid off. They agreed during negotiations that it would be changed. But whenever I call and ask to speak to a supervisor, I have been put on hold forever, and I end up dropping the call. It's not right.
Product: Credit card

Closed on a mortgage with Chase XXXX XXXX, XXXX. Chased changed the mailing address on my XXXX Chase Credit Cards XXXX XXXX, XXXX. This change was without my verbal or written permission. Chase did not inform me of their intentions to change our mailing address. We do not plan to move into the new home until XXXX XXXX. We are revovating the home to for our personal design. Both these credit cards now do not match the address on our Drivers License. I called Chase to have address changed to where we want to receive our mail. Was on hold set back and forth between XXXX countries and XXXX different people. Issue not resolved. I am employed as a XXXX and work XXXX. I now do not have a credit card that matches my Drivers License, if asked or additional I.D . As a XXXX XXXX XXXX we are told do not show our Passport. As passport is work more than our life on the black market. Again Chase did not ask my premission, for address change and did so without informing me or giving me option. How can I get my address changed to where I want my mail? Thank you for your time and assistance.
Product: Credit card or prepaid card

Hello, Im trying to close my first progress and they said they wont refund the annual fee. Because Im closing it and wont be using it, they should refund my annual fees as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2021 I am shocked that I called Transunion on XX/XX/2021 and was assured that all fraudulent information and incorrect names attached to my report would be removed within 24 hours.

I checked my credit report ( attached ) via the Transunion site XX/XX/2021 and found that these erroneous items are still on my report. 
1. My correct name and ONLY WAY I WOULD EVER SPELL IT is XXXX XXXX 2. My correct address is XXXX XXXX XXXX, XXXX XXXX, MA XXXX and I HAVE NEVER LIVED at any of the addresses listed below and dont know anyone who does or ever did. 
3. None of the phone numbers listed below are associated with me in any way and never have been and I have never ever seen them. 
Remove these incorrect names : XXXX XXXX XXXX XXXX XXXX Remove these fraudulent addresses : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Remove these fraudulent phone numbers : Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Remove all these fraudulent addresses and phone numbers as I am not associated with any of them and never have been. 
Remove the incorrect names as I would never apply using for anything using those spellings and my handwriting is very legible. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX DEBT COLLECTOR HAS SENT ME NUMEROUS EMAILS DATED XX/XX/scrub>XXXX XXXX XXXXXX/XX/year> REQUESTING A DEBT TO BE PAID. I REQUESTED AN ACCOUNT NUMBER AND PURCHASE AGREEMENT ON XX/XX/year> FOR THE AMOUNT THAT XXXX IS PROJECTING THAT I OWE, WHICH IS {$880.00}. THEY HAVE NOT EMAILED OR MAILED AND AGREEMENT AFTER IT WAS REQUESTED. I SUBMITTED A LETTER TO THE COLLECTION AGENCY ON XX/XX/year> AND HAVE NOT RECEIVED A RESPONSE SINCE.