23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent documents through USPS certified mail with a return slip to Equifax Information Services Fraud Department. My letter was picked up by an Equifax employee from the postal facility at XXXX XXXX  on XX/XX/year> in XXXX, GA XXXX. Those documents contained : 1. ) A copy of my drivers license, social security card, & a recent bank statement for appropriate proof of identity.

2. ) A copy of my FTC Identity Theft Report.

3. ) A cover letter requesting an identity theft block pursuant to FCRA 605B ( U.S.C 1681c-2 ), the identification of such information, including a statement by me that the information is not information relating to any transaction by me. 
4. ) A copy of FCRA 605B I spoke with an Equifax Fraud Department representative on XX/XX/year> ( around XXXX ) about the Identity Theft Block I requested & was told it would take 30 days to complete instead of the 4 business days that the law stipulates. She confirmed that it was received but not yet entered into their system for review. Since 4 business days had elapsed since it was delivered to Equifax, she reassured me my request would be uploaded and honored the following day. 

I spoke with an Equifax Fraud Department supervisor on XX/XX/year> ( around XXXX ) to follow up on my Identity Theft Block request. She notified me that my documents were uploaded to their system on XX/XX/year>. She told me it would take an additional 4 business ( on XX/XX/year> ) for my request to be validated. I asked her to file a complaint on my behalf for the previous representative giving me false/ misleading information willingly & knowingly in violation of [ 15 U.S.C 1611 ]. I believe my rights were violated as well under [ 15 U.S.C 6802 ] which requires a credit block for alleged fraudulent reporting information within 4 business days upon notice.
Product: Debt collection

Allied Interstate made debt collection calls to me after verifying they received a faxed cease and desist by e-mail. Additionally, iQor, a company not licensed to collect debts in Florida, contacted me to recover money. They blatantly violate the TCPA, FDCPA, and FCCPA. Additionally, XXXX recalled the debt because it never existed to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have worked with XXXX several times and I have no complaints until now. On lease XXXX. I paid them off in 90 days and was NEVER LATE. The last payment I made was on XX/XX/XXXX. My bank, however, processed the last payment I made to them as a check and charged me several fees regarding that transaction. I used a Credit/Debit card to complete the transaction. I called XXXX and told them about the problem they assured me that They did not process it as a Check/ Cash Advance and told me that I would have to dispute it with my bank. Per their instructions, I disputed the information with my bank about how the final payment was made. This opened up a long and unnecessary process with XXXX where they tried to make me pay more on a lease that was CLOSED. I spoke with several of the managers with XXXX and XXXX XXXX because XXXX was saying that I didn't finish off paying them because the last charge was in dispute status. I explained to them that I advised my bank, XXXX XXXX, that the charge was valid and therefore did not receive anything back from the payment I made to close the account. I was advised by XXXX Representatives that this was part of the dispute process and as soon as they finish up with the Bank that they would fix all the information concerning the dispute that they advised me to begin. In the process XXXX kept charging my accounts that were on file I had to call again and speak with another manager in XX/XX/XXXX and was advised that they would notate the account and whatever payments that were made would be refunded and to take the account off autopayment so they would stop hitting my accounts. I followed their instructions and then they began trying to send the account to collections. I had to call in XXXX and speak with one of the higher-ups in the company by the name of XXXX who advised me that as soon and the chargeback was won and closed between them and my bank that they would still honor the 90-day payment close we agreed to which I closed in XXXX. It took until XX/XX/XXXX for the claim to close ; when the claim closed I had to call them AGAIN because they began trying to send the account to collections. I had to advise the agents to check the notes and see that XXXX already said once the chargeback was over they would honor my history and payment closeout date which was XX/XX/XXXX. They had to do something called a " hard close '' and manually close the account and told me that it would take 7-10 days for the account to reflect my history. However as of XX/XX/XXXX XXXX is still reporting that I was late paying my lease off with them. I have disputed this Information with Experian and they are claiming that XXXX is saying that I was late. As a consumer I have the right to a credit report that is 100 % accurate and this account isn't reflecting correct information and is damaging my score. Also XXXX is stating that I have " poor lease performance '' even though I've closed the majority of my leases in 90-days NEVER being late.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I was told by the XXXX, Equifax, XXXX, and XXXX that they have verified a public record on my credit report. XXXX, XXXX, and Equifax all claim to have verified this information with their third-party vendor XXXX who also uses a third-party vendor to verify their information known as XXXX. I recently received information from a dispute with XXXX and they reported that they verified a chapter XXXX bankruptcy filed on XX/XX/2016 and discharged on XX/XX/2016. The problem is all 3 bureaus have different information but they all reported on the record that they verified this information with XXXX. It is my right to have accurate information about me reported and since it has not been properly done I want the information removed from my credit profile or I will get a lawyer and sue each bureau for placing false inaccurate information on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX2015 I visited a XXXX XXXX store. While I was there a XXXX XXXX  representative tried to pitch me on their XXXX packages. I listened to the Best Buy representative and even had him look into the different options that I would have available, however, at the end of the discussion I decided not move forward with the service. About a year later I noticed a collection on my credit report from XXXX XXXX. I contacted the credit bureaus and disputed the account several times. I also submitted an affidavit of identity theft but either XXXX or the credit bureaus refuse to remove the account from my credit report. Now I am in the process of buying a home and still have this fraudulent and negative account affecting my credit score.
Product: Credit card or prepaid card

A Bank of America card was opened with my information. I was notified by XXXX XXXX. I did not apply for this card. I notified them it was verified that the wrong address was applied to this account. The card has been locked no funds were utilized on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

I had a personal Fine Art business called XXXX. I started this business in XXXX and by fall of XXXX it was still loosing money and I initiated a consultation to consider bankruptcy. I decided to file for bankruptcy and was told that the filing would stay on my credit report for seven years. For the past seven years I have had to pay higher rates on everything and have been patiently waiting for the 7years to pass so I can get my credit score back in good standing. I signed up with a credit reporting agency this past fall to review my credit score and correct anything that was wrong and make any other changes necessary. I requested that some items be investigated and received the Trans Union investigation results stating that my Chapter XXXX bankruptcy filed on XXXX/XXXX/XXXX will not be removed until XXXX. This is a complete surprise and not what I was initially told. What can be done about this? I may have sought other avenues had I known that this bankruptcy would stay on my credit report for a full 10 years. Either I was given wrong information or the decision changed recently in which case I do n't feel that it should apply to me. Please advise.
Product: Credit reporting or other personal consumer reports

Today, I discovered some unauthorized inquiries on my credit report, which I dont understand. When I checked my report, I saw discrepancies that werent there before. I attempted to refresh my browser to see if it was a temporary glitch, but the unauthorized inquiries persisted. As a result, I ask that the documents Ive submitted be carefully examined to resolve this problem once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have been reporting inaccurate information about several of my accounts. i have written multiple letters for them respond and correct these items that are hurting my credit score greatly and affecting my family is ways they do not understand nor care about. Below I will list the items they have been misreporting for over two years now and I have almost given up. Please Help.XXXX XXXX**** How is it possible that the account was transferred 2 years ago but “Date Last active” was XX/XX/XXXX? It can’t be both. XXXX  says 120 days late and Experian says 180 days. It cannot be both. XXXX  are also reporting 120 days late (9 times)..XXXX  shows late 120 days 1 time. It cannot be both. REMOVE and DELETEXXXX XXXX****XXXX  are reporting that this account is a “Charge Off” and that there is a “Balance” and “Past due” amount of $XXXX? It cannot be both. XXXX  are reporting “date last active” as XX/XX/XXXX and “date of last payment” was XX/XX/XXXX. No payments have been made to this collections account ever. XXXX  is showing “date last active” is XX/XX/XXXX and  “date of last payment” was XX/XX/XXXX.That doesn't match the other credit bureaus.This account is being RE-AGED also and is illegal. Remove and Delete immediately.XXXX XXXX****AGAIN, with this account you are reporting that this account is a “Charge Off” and a “Past due” amount of $XXXX? It cannot be both!  You are reporting “date last active” as XX/XX/XXXX and “date of last payment” was XX/XX/XXXX. No payments have been made to this collection account ever. XXXX  is showing “date last active” is XX/XX/XXXX and  “date of last payment” wasXX/XX/XXXX. The other bureaus report different. This account is being RE-AGED to show it was late active and last payment was this year also and is illegal. Remove and Delete immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it May Concern the late payment status on this account is invalid and inaccurate you must have maximum accuracy in reporting please delete if you fail to verify I demand you show supportive documents that your reporting is accurate this is a violation of the 15 USC 1666 b violation of my rights
Product: Credit reporting or other personal consumer reports

I have Mutiple inquiry on my credit report that I am not aware of and dont agree with I havent applied for anything now or in the pass please see attachedments with these items that Im not aware of I ask that they are removed
Product: Credit card

I opened a secure loan purchasing a bedroom set XXXX XXXX XX/XX/XXXX '. The loan was originally held XXXX XXXX XXXX who since sold the account to Concora Credit as of XX/XX/XXXX '. Since the buy out Concora has been billing me w/o properly reconciling my account with XXXX XXXX. My Concora statement do not display what y true balance is as though the account is a 0 % promotion for 12 months. Several occasions representatives told me that i would need to call the next billing cycle ( XX/XX/XXXX ' ) in order to get the view the account payment history and for the account to be reconciled. I called in XX/XX/XXXX ' and again was told that all the information from previous lender has not yet been accounted for and i would need to call back on the next billing cycle ( XX/XX/XXXX ' ). After receiving the new statement, my statement still does not display what my true balance is. It's only displaying what my balance " would be '' if interest is applied. At that point on XX/XX/24 i called again and asked for a payoff amount. The phone system provided me a payoff that included " would be '' owed interest. The amount that was verbally provided was {$2000.00}. I requested the set amount in writing and was denied. I was then assured that once the payment was made my next billing cycle ( XX/XX/XXXX ' ) would reflect XXXX balance. However that was not the case. I called again XX/XX/24 at which point was provided a different payoff amount then what was previously stated. I again requested payment history to which they were unable to provide because they still have to reconciliate the account. At this time, I'm unable to see proper payment history through their website and when contacting them, they were unable to provide the data. Was advised that investigation can take 60 days and account would remain active during this time. As a consumer, I've had to manage this account in depth and have not been provided any data or confidence from the current lender on their management of the account. As a result, i'm now having to submit this official complaint and hope this agency can provide the proper assistance that has lacked from the lender. They should consider the account squared away and take accountability for their lack of management and false statement of this account.
Product: Student loan

I attended two Universities. XXXX University where I obtained XXXX XXXX degrees in XXXX  and XXXX University where I obtained a XXXX XXXX in XXXX. 

I do not recall the specific times but I received numerous phone calls and occasional emails to consolidate or " refinance '' my loans. During these periods of time that I was called constantly and asked to sign new loan documents, I was told that because my loans were being consolidated and or refinanced, my payments were suspended. I have learned that I have multiple lates payments during this off and on process of loan consolidation/refinancing. 

I spoke with Nelnet concerning this but to no avail. I do not know how to find out who was calling and emailing me about the consolidation, refinance because it was a few years ago and I do not have that information. I did was I was told and trusted that what I was being told was accurate and never was I told a payment was due or that I would sustain a late payment or derogatory credit rating during this process. I do not dispute the balance only the late payments. Please help
Product: Credit reporting or other personal consumer reports

This company reported on my credit report in XX/XX/year> about and account that was opened. This account was opened fraudulent online. I have asked the company to remove off my Transunion, XXXX, and XXXX repeatedly and they have refused. Someone used my information to open an account.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention a matter of utmost concern regarding unauthorized activities involving my personal information and credit profile. I declare under penalty of perjury, pursuant to the laws of the United States, that the following statement is true and accurate to the best of my knowledge. 
I am aware of my rights under both federal and state law to file this dispute, and I understand the serious consequences associated with any intentional misrepresentations or omissions of material facts, as outlined in 18 U.S.C. 1001 and 18 U.S.C. 1621.

The discrepancies highlighted within my credit report, as outlined in the accompanying documentation, do not correspond to any transactions initiated or authorized by myself. I allege that an unknown individual or entity has unlawfully utilized my personal identifying information to secure goods, services, or financial resources, resulting in the unauthorized creation of accounts.This matter deeply concerns me, and I seek your urgent assistance in investigating this issue. I trust in the Federal Trade Commission 's commitment to addressing such fraudulent activities and safeguarding the rights of individuals under the law.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 

Details of Disputed Inquiries : XX/XX/XXXXXX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as Hartz v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX A XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX XXXX from my Crypto.com account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

I have send multiple disputes for unauthorised enquiries and luckily were resolved in my favour but the other reporting from the same enquiries such as employment, contact number and address were not removed and they always tell me they cant remove personal info as it has to stay there but they have removed the enquiries. The recent dispute was raised the XXXX XX/XX/year> I didnt get any reference nothing I feel like they are ignoring my dispute now.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 - I got a hard inquiry on my credit report from XXXX XXXX XXXX ( XXXX ) XXXX. This is a fraudulent activity or identity theft On XX/XX/24 - I got another hard inquiry on my credit report from Td Bank N.A ( XXXX ) XXXX. This is also a fraudulent activity or identity theft I have not been able to contact anyone at those banks since I am not a customer. I called XXXX and placed a freeze and fraud alert on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent somebody {$160.00} through XXXX to buy a XXXX. They said they never received this payment even though it processed. They then said that they needed my Bank account login, Debit card information, XXXX login, and address to start a refund. When I gave them this information they then made multiple payments on my account through XXXX and Zelle. I did not dispute them until now because he said that is what XXXX support told him to do. He used the address I gave him to mimic my IP Address with a VPN. He also used something to mimic my device and I'm not sure what it was. He did this so when he made payments he would not trigger any fraud alerts. There were multiple payments he made, but the ones that went through were {$93.00} on XXXX, {$220.00} on XXXX made on XX/XX/year>, {$270.00} on XXXX made on XX/XX/XXXX, {$90.00} on Zelle made on XX/XX/XXXX, {$110.00} on Zelle made on XX/XX/XXXX, {$70.00} on Zelle made on XX/XX/XXXX, {$30.00} on Zelle made on XX/XX/XXXX, {$5.00} on Zelle made on XX/XX/XXXX, and {$250.00} dollars on XXXX made on XX/XX/XXXX. There were XXXX transactions he made where he forgot to use his XXXX and they both triggered fraud alerts. The XXXX transactions were the {$250.00} on XXXX, and a denied {$280.00} payment on Zelle on XX/XX/XXXX. They locked my account and had me get a new debit card. This proves that he had access to my account to make transactions without my authorization. I did not know that these classified as fraud when submitting my initial claims to XXXX so I filed some incorrectly. I have filed an XXXX complaint already. I have attached the screenshots of me giving him my Bank account login, XXXX account login, Debit Card information, Address ; The Bank account login from a different device, The failed {$280.00} Zelle payment and The XXXX Complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the inaccurate account and they keep verifying that it is accurate when all actuality it is not. This account should be closed and should have a zero balance. This account was transferred to another servicer. The attached reports were all ran on XXXX. I want this account removed immediately per FCRA 15 USC 1681e ( b ) : Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The credit bureaus and XXXX are both reporting inaccurate information and i want the account removed from all consumer reporting agencies and files.