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

I got an email at XXXX on a Sunday evening telling me I have a message. First I have to call to find out where the message center is. Apparently it's hidden under Services - Statements and Documents - view E-communications. Then I have to call back because it's a message telling to call but not why. 

" We're missing some important information Hi, XXXX. We've received your inquiry on your Citi Double Cash Mastercard account. We need more information from you before we can look into your question.  Please call us at XXXX ( TTY/TDD : XXXX for hearing and speech impaired services only ) or go to citicards.com to provide more information. '' Fight through you voice mail system again only to be told they don't what it's about either but I should probably call back tomorrow. 

I called back the next day and they still do not know what was sent or why. 

It should not take much intelligence to know that if you are going to ask a customer to call without telling them why it would be a good idea to place an alert on their account so the call is routed to the right person. 

I have spoken with 6 people with Citi regarding this matter and every person I speak with gives me a different story.
Product: Debt collection

Said i had car insurance with XXXX when i didnt get a car till XX/XX/XXXX an my car insurance was with XXXX insurance company an now with XXXX XXXX XXXX said the insurance was from XXXX XXXX XX/XX/XXXX which my insurance was in the state of oklahoma
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in letters to you all bureaus on XX/XX/2023 and I havent heard anything back and its been over 30 days.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/year> Last XXXX SS : XXXX Account : XXXX XXXX XXXX XXXX XXXX  XXXX Upon reviewing my credit file/report I noticed that there were some unauthorized hard inquiries on my account. I Contacted the fraud department of the credit reporting angencies and inform them. I was told that the items will not be disputed and to contact the companies. I inform the representatives that i tried to resolve the issue month ago. I was dismissed with no help or remedy for these unauthorized and unverified inquires. I imformed them that if these are unauthorized then they are not accurately reporting my credit history. I was treated discourteously and requested to speak with a supervisor. I was told ill be contacted in XXXX to XXXX hours.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : Please remove unauthorized inquiries. 
Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit le you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certied Funds to : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX
Product: Debt collection

They saying that the have turned me in to collections but collections has not sent me anything ant the company failed and refused to sent me bills and envelope to make my payment I have already told them I don't pay on line and the keep reporting to credit bureau that I'm not making payments I'm done with this games
Product: Credit reporting or other personal consumer reports

I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. 

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

I sent a debt validation request to CAINE & WEINER on XX/XX/scrub>/2024 via certified mail XXXX XXXX XXXX XXXX XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, they are legally required to provide validation of the debt. It has been over 30 days, and I have received no response. Since they failed to validate the debt, they are in violation of the FDCPA, and this account should not be reported on my credit file. I am requesting that this debt be removed from my credit report immediately. I have attached supporting documents, including my original request and proof of mailing
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, CIC credit provided my XXXX score to XXXX Delaware XXXX. The CIC XXXX report does not match my official XXXX Credit Report. The XXXX score that was provided to XXXX Delaware XXXX by CIC is XXXX. This is inaccurate. My Experian XXXX XXXX is XXXX. Further, CIC credit included a XXXX XXXX Credit Card account ( XXXX  ) in error. This account was paid and full and closed almost 9 years ago and is therefore outside of the credit reporting time frame. Furthermore, the XXXX XXXX Credit Card ( XXXX ) account is not on my official XXXX Credit Report but is on the CIC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : N/A ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called several times to  XXXX , Experian, and   XXXX   and asked them to remove the hard inquires off of my credit report. I did not submit those inquiries. I have called the companies that they said to and they have absolutely no record of me doing it which means they have nothing to send to the credit bureaus to take them off.  XXXX , Experian, and   XXXX   all refuse to take them off.     I am thoroughly frustrated with this! I want them to be taken OFF. All  XXXX  agencies have been completely uncooperative with this issue.
Product: Credit reporting or other personal consumer reports

I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe that I received proper notification, please provide the certified mail letter with the return receipt with my signature on it proving I received it. If you can not provide this information then you are in violation of the fair debt collections act and must remove this charge off/collection from my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Keybank allowed an inquiry to go through my transunion credit report that I did not authorize, nor was the consumer statement cleared. I did not authorize any products through their company nor did I authorize any applications to be submitted in my name. The inquiry date is listed below, I am a victim of identity theft. This application is fraudulent, and I want this withdrawn and removed from my consumer credit file XXXX Bureau since I did not authorize this to be submitted to begin with it is fraudulent. 

KEYBANK NA XX/XX/2019 2019
Product: Student loan

I submitted my IBR application online before my application deadline. I was prompted to print out and send in the form and income verification. I contacted FedLoan to ask where to send the application/verification, but I never received a response. I followed up by calling their customer service. The representative told me that my application had been received and that I only needed to upload my income verification. I uploaded the verification and later received a response that my application for IBR was denied because the form was expired ( despite it having an expiration date of XX/XX/XXXX ). Upon contacting customer service again to ask about the denial, I was told that my application could not be submitted online ( despite the first customer rep telling me that my application was received and that I only needed to upload my income verification ). I immediately uploaded a paper application and verification. Unfortunately, they processed my application after the most current billing cycle ( XX/XX/XXXX ), leaving me on the hook for a student loan payment XX/XX/XXXX that was 3 times my normal payment. The IBR application only applies to the XX/XX/XXXX bill and forward. I contacted customer service again, and they told me there was nothing they could do about XXXX 's payment. They blamed me for not uploading my paper application until after XXXX 's bill was generated. I explained to them that the only reason the paper application was not uploaded originally is because 1 ) they never replied to my message asking where to send the application and ; 2 ) the first customer service rep I spoke to told me that they had received my application, indicating that there was no need to upload it, only that I needed to upload the income verification. Their solution was to put my account in administrative forbearance for XX/XX/XXXX. I agreed, as they told me there were no other options. However, that means that more interest is accumulating while the loan is in forbearance. I am also seeking PSLF, putting my qualifying payments one month behind. I can not help but think that the process is deliberately confusing and that their reps are encouraged to make it even more so, so that the company makes extra interest on the loan while it is in forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can't take this anymore! I can't get a new car to get to work and take care of my kids because of this misleading information on my credit report. I am STRESSED! I have sent letters and called many times and still nothing has been done! I am a single mother and I need this to be fixed I want my kids to have a better life Please help. I sent letters on XX/XX/21 and XX/XX/21 and no update or anything something must be done!
Product: Credit reporting or other personal consumer reports

The following entries are fraudulent and must be expunged from my credit report : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had Four late payments on my XXXX XXXXXXXX account Dated XXXX with the account number XXXX that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for my XXXX XXXX account. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand that these payments be updated to on time as they should be, as I was never late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this inaccurate infroation 4 times, last transunion dispute # XXXX. 

There are 2 accts on the credit report from same creditor XXXX XXXX # XXXX ( creditcard ). XXXX XXXX # XXXX ( Loan ) both accts discharged chapter XXXX bankruptcy, but the have 1 acct XXXX XXXX # XXXX ( creditcard ) as open and other XXXX XXXX # XXXX ( loan ) show closed which is correct. 

Both accts were discharged via the same chapter XXXX bankruptcy and both should show as closed, but everytime disputed transunion states it is accurante. 

XXXX and XXXX show both acct closed and dischanged chapter XXXX bankruptcy, which means transunion is not actually doing an investigation, otherwise i would like to know why other credit bureau show accurante as both acct being closed and dishcarged chapter XXXX bankruptcy, since i have disputing this 4 times, this inaccurante acct should be deleted immediately.
Product: Credit card

purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with an invoice from a customer in XXXX ma, filed dispute with capital one and they refused my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report recently and I came across many fraudulent accounts and false information being reported. My sensitive personal information was stolen in data breaches and made my identity vulnerable. The fraudulent information on my report is not mine.
Product: Debt collection

I received calls from Medical Data Inc. stating I owed a debt of {$2300.00}. I requested a breakdown of service and fees including collections and medical charges. 
In addition, provide a copy of my signature with the provider of service to release my medical information to Medical Data Systems , Inc. with no success in validation. I sent out letters requesting validation of debt to Medical Data Inc. in writing XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau refuse to investigate or give me a credit report on the status of my disputed accounts 1. XXXX XXXX XXXX 2.XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023, I received an email from my credit monitoring service that Global Asset Agency has flagged my credit report with a collection for {$2500.00}. This was odd to me because I didn't receive any correspondence from this company. The only notification that I received, was the alert from my credit monitoring service informing of the collections being reported. On XXXX XXXX, I expressed mailed a dispute, validation and request for removal letter to Global Asset Agency to the address showing on my credit report ( USPS tracking # XXXX ). Global Asset Agency received the letter on XX/XX/2023. As of today, I still haven't received any correspondence or any other form of communication from the company. I never received any validation of this alleged debt, yet they took it upon themselves to flag my credit report. This is a violation of the FDCPA and I want this inaccurate reporting removed immediately.
Product: Credit reporting or other personal consumer reports

I contacted BridgeCrest to file a dispute. The reported information to XXXX and XXXX was not correct and has NOT been corrected through these XXXX Credit Bureaus. XXXX is the only one that has updated the correct information. I do not have a past due balance. I have paid everything as I should, even the incorrect fees that were applied to my account since the loan was opened. I need my payment history corrected to reflect " paid on time '' and " never late ''. I also need the remaining load balance corrected. They still show the original balance of the loan.
Product: Credit card

I purchased furniture from Rooms to Go and used the financing from Synchrony Bank because they really pushed it. I paid off all of my debt the same week it was available for me to pay. A few months later I received a bill saying I owed more money. I tried to contact Rooms to Go several times and recieved no response. I then contacted Synchrony Bank and they advised me to dispute the charge and to not pay anything until they figured out what exactly it was, and when they did they would let me know. He told me to ignore all bills and just not pay anything. I never received any information on what the charge was for. I checked my credit score a few days ago and it dropped dramatically because they claimed I had a late payment when all I was doing was following the " professionals '' advice. They told me they would take care of it and let me know, but honestly after this whole experience I do not have much trust in them so I figured it would be best to contact you by myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 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 caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 

I request a thorough investigation into all inaccuracies present on my credit report. These inaccuracies include erroneous account information, inaccurate payment histories, and incorrect personal details. Furthermore, I ask that you take appropriate action to delete or correct these inaccuracies promptly.
Product: Debt collection

XXXX, {$75.00}. Put a collection on my credit report
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a complaint to CFPB informing that I was a victim of identity theft. I was very pleased and thankful for results. I received a new inquiry on my credit report that I did not authorize and also a old one that I did not authorize. The 2 inquiries are : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My aunt stole my social security number and there was a security lock put on my credit report and now I have submitted all of my identity verification documents and I called back after the alotted time to see when the security lock would be lifted and now they want me to send it in via mail. I do not feel comfortable with sending identity verification documents in the mail and I have proof that I sent it to Equifax.
Product: Debt or credit management

Around XXXX my mother made me purchase my sister a bed through XXXX at the time I was not working so I was told it could put it on a different payment plan for someone who wasnt working at the time! They basically told me I didnt qualify for that which I should have being my age and I wasnt working!
Product: Credit reporting

I filed a dispute with Transunion on XXXX and uploaded documentation -- including a letter from the IRS showing that a {$3600.00} lien was WITHDRAWN and should be REMOVED from my report altogether. On XXXX I received the results of their supposed investigation and discovered that TransUnion had failed to remove the lien and other negative items that I disputed. I 'm trying to buy a house and Transunion 's failure to investigate is causing me financial harm and distress. Please help.