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

I paid a old medical bill that had went to collections that my XXXX old daughter had got without my knowledge. By her being XXXX they said I was responsible for debt. Franklin Collection Service said they would have it REMOVED from my credit once I paid the {$1100.00} off. Its still showing on my XXXX credit report even after I filled a dispute with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Ref. : Ditech Loan # XXXX, XXXX Loan # : XXXX E-mail : XXXX XX/XX/2019 XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : I recently had an extremely upsetting and very costly experience with your organization, regarding lost by 60 points on the credit score report. As you know my loaning ( see above Ref. # ) servicing was transferred from DiTech to your company. And within the 60 day time period your company and XXXX reported me 30 days late on loan payments. I made my payment on time to Ditch before you have taken over loan servicing. And DiTech forward monies on XX/XX/XXXX ( per your CSR ) which is not my responsibility to handle. However, CSR, spoke to me that it was my fault. How rude, unprofessional and unknowledge of the requirements in place to say such statement to a customer!. I request compensation from your company, causing a negative effect on credit score and also effect on my interest rate credit cards. 
Prior XX/XX/2019, I made my mortgage payment as per contract in place. Once I received a report from XXXX, XXXX and XXXX my credit score has been packed with report of late payment. I immediately contact your company, and out of multiple calls made I was told do not be concerned and also letters. XXXX is not permitted to make note of a late payment, or report to credit scoring agencies. However, that is what you exactly did anyway!! Furthermore, out of all contacts I made to your company, only one CSR was professional and respectful to me. All other treated me like a deadbeat person. Where do you get off treating customer in such a poor manner. 
This XX/XX/XXXX, and still you have not corrected your error. Even though, you reported me late with 60 day grace period and almost immediately after XX/XX/2019. Such a swift action, but you are still not able to be as swift in correcting your error. It is amazing this how your company acts and treats a new customer. 
In an addition I am sending this complaint to Consumer Financial Protection Bureau for them have record and take further actions on your misdeeds. 
Please call me at ( XXXX ) XXXX or email that you are confirming receiving this formal complaint of misdeeds. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have an unknown charge in collections in the amount of {$1300.00} on my credit rreport from IC system that I am not familiar with and have asked them to provide me with documentation verifying the debt in the form of the original signed contract, when the debt was purchased, and the date of the last payment if applicable, and whether or not they are even licensed in the state of Arizona to collect said debt. I have not heard back from this company and am asking for this collection to be removed from my credit report immediately. Thank you.
Product: Credit card

I incurred fraudulent charges XX/XX/XXXX and contacted XXXX XXXX right away. XXXX XXXX has since moved their Costco Members to Citi. I had to inquire with Citi on the same charges which I did XX/XX/XXXX as they had not been removed. I was then notified in XX/XX/XXXX that the dispute was not resolved in my favor. Not sure how this is possible as it clearly states I have no liability for fraudulent or unauthorized charges, and that is exactly what these charges were. I have since been charged interest twice on these charges and had to reopen my case which according to them is a new case that just started a couple days ago, when in reality it has been months. Mean while they continue to report these charges, along with interest to the credit bureaus and I get to take a hit to my credit every month they go unresolved. I have never accrued interest in the 15 years I have had a credit card and I have never carried a balance in 15 years so this is quite upsetting. I continue to not get answers and every time I call to inquire its like I had never made a call to them before. They continue to diminish my credit as a consumer and I have n't even used their card ( as they say its in the mail but it has been two months ).
Product: Debt collection

On XX/XX/2022 I wrote to equifax requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that equifax reply within a reasonable amount of time. Since this is my second request, I am notifying you that I have signed receipts for letters sent to equifax and equifax have not complied with my request. I regret that I am being forced to take such action. As this is affecting my credit ratings, I want this removed immediately. Please see my reasons for dispute below : Under 15 U.S. code 1681b - Permissible purposes of consumer reports 1 ) In General Subject to subsection ( c ) any consumer agency maXXXX furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX XXXX, never gave Equifax any written consent to report anything on my consumer report, No consent is Identity Theft. ( Concerning account XXXX XXXX  XXXX ( XXXX XXXX ) XXXX XXXX XXXXXXXX ( XXXX XXXX ) XXXX I also understand that equifax are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. So now I demand everything is removed immediately
Product: Credit card

T.D. Banks Target XXXX XXXX is discriminating against me. Ive had the card for over 10 years & have only seen 1 line of credit increase in all of those years. The last & only line of credit increase being about 6 years ago eventhough I update my income information yearly & request line of credit increases yearly. My credit score has been very good or higher the entire time. Ive called Target XXXX XXXX numerous times about this matter with no resolution. Ive also complained via phone call to Target XXXX XXXX I realized that Target XXXX XXXXXXXX servicer is T.D. Bank, so I called them also to complain. No resolutions were given to me. No line of credit increases have been given to me. Again, there are no justifiable reasons for which I have not gotten any additional line of credit increases. I shop at Target frequently & if I use this Target XXXX XXXX with 8+ times lower credit limit then any of my other credit cards, every time I shop, if its right before they report my balance, it would lower my score every month because my credit score is so good & I have such a low credit utilization, that this card with such a low credit limit, 1 {$50.00} purchase would give a higher utilization percentage from this 1 card, then all of the rest of my credit utilization!!
Product: Checking or savings account

By XX/XX/XXXX I was enrolled in a promotional offer with Bank of America expecting to receive a {$200.00} bonus for making {$20000.00} in qualifying deposits to my existing savings account and maintaining that balance for 90 days following enrollment. The full offer has been attached. 

According to the terms of the offer, Bank of America would deposit the bonus amount within 60 days. 

As of XX/XX/XXXX, which is well beyond the 60 days promised, no bonus has been deposited into the relevant account. 

I have attempted to resolve the issue directly with Bank of America through their telephone customer service line on XX/XX/XXXX and XX/XX/XXXX, and through their Financial Center located at XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/XXXX. 

During the XX/XX/XXXX interaction, a representative of Bank of America confirmed that the deposits made to the account between XX/XX/XXXX and XX/XX/XXXX met the qualifying deposit requirement of the offer and that up until the date of the call the appropriate balance had been maintained. The representative opened an investigation ( reference number : XXXX ). 

On XX/XX/XXXX, I attempted to follow up on the investigation with another telephone customer service representative. They provided contact information for the Incentives Bonus Team ( XXXX ) but were otherwise unable to provide additional information or resolve the issue. 

On XX/XX/XXXX, I attempted to contact the Incentives Bonus Team at the number above ; the Bank of America representative refused to discuss the status of my account promotion or progress of the investigation. 

On XX/XX/XXXX, I met with Bank of America representatives in person at their XXXX XXXX XXXX XXXX. The representatives reviewed my account and reached out to the Incentives Bonus Team but again were unable to provide any additional information. 

As of XX/XX/XXXX, two months after the expected bonus payout date, a satisfactory resolution has not been reached.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX- XX/XX/XXXX I applied for a loan with navy fcu they filed a hard inquiry This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been sending letters to the bureaus about incorrect reporting and nothing has changed they state they cant fix it however inaccurate information is being reported ( XXXX XXXX and equifax report different on multiple accounts Highlighted in the yellow are XXXX highlighted in the orange are XXXX highlighted in the pink is equifax. Accounts are different, date opened are different. Balances are different, credit limits are different past due amounts are different, comments are different, date last active are different, date of last payments are different, there are charge offs with balance amounts, balance amounts are different, my name is different even after sending documents nothing has been updated or corrected Under the law 609 FCRA it states everything must be validated and reported correctly this hasnt happened. Please review exhibits A-V all inaccurate reporting each bureau reports something different.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID theft I have requested that dept of edu review/investigate my file and remove from all credit reporting agencies no response received I dont believe my credit investigation is being completed because no changes have been made
Product: Credit reporting or other personal consumer reports

This debt was never proven to be open by me. I have no knowledge of this debt or of Wakefield. Irequested proof of debt a signed agreement between myself and them. I have no knowledge of this debt. I want a sign agreement of agreement to pay this debt, when it was opened and my signature. I have never been provided with any of this in any investigation. If it is third party I have never seen a signed agreement with anyone else either. This is false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. Account XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

showing XXXX on Experian acct. XXXX Not my account. Please take off as I am trying to close on a house and This is holding up the closing
Product: Debt collection

I am with a consolidated debt company, I pay this company {$700.00} a month. They take that money and negotiate with my creditors. The agency that is harassing me has already settled and received 3 payments already. They continue to call in the early morning, today it was XXXX. Then when I do answer a call they wont tell me what it is about until I tell them my address and personal information. I wont do this either. I told them to stop calling me yet they continue to call from new numbers every time.
Product: Debt collection

I have been disputing this account for some time with XXXX XXXX. This account was on my reports with all XXXX credit bureaus, Transunion, XXXX and XXXX. I have asked for verification and validation of this debt and have not received anything back stating how this account was verified. XXXX and XXXX found that there wasn't any valid proof that this account is mine and belongs to me so how is it that Transunion is still reporting this account? All XXXX reporting agencies are supposed to be reporting the same information and if the other credit bureaus removed this inaccurate account from my reports so should Transunion. It is illegal to report inaccurate information on a consumers reports and I am demanding that this account is deleted.
Product: Credit card or prepaid card

I have been charged interest on my 0 % APR card for the 3rd month in a row. 

I submitted a claim for the first two months : XXXX The issue has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX  days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan, Bestegg offered me a XXXX $ loan that I could use to pay off other smaller high interest loans. I accepted the offer, I was instructed that the company, Bestegg, would cover the taxes and fees for the loan. I was instructed that the fees would be deposited in my account. Bestegg instructed me to load XXXX seperate barcodes at XXXX to make the payments. I followed instructions. They contacted me back saying I loaded to wrong amount and would need to do again. BestEgg loaded more funds and instructed to do again. I complied. It was reported the funds were wrong again, was instructed to do XXXX more time and the loan would be funded. I follwed instructions again, but apparently the daily max had been reached, so I was instructed to purchase XXXX XXXX prepaid cards for {$500.00}, {$500.00} and {$400.00}. After I gave them the numbers I was told something was off and I would be contacted on how to fix. My calls and emails have been unanswered and there were multiple transactions on my account leading to my bank flagging, now all my funds, my personal paycheck was moved and the account is negative by over XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a court date on XX/XX/2022 and I was told by the judge that I need to return my key to the property and arrange a payment plan. I was told that I owe {$3000.00} but once I check my credit report it says that I owe {$5000.00} which will make it fraudulent charges to that account. I have tried resolving the issue with the property manager but I cant get any response so I was wondering is it possible that I can get this collection removed from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was under the impression that there would not be a hard inquiry related to a request for credit limit increase and a credit product. I tried getting a satisfactory resolution with the company but was unable to get a satisfactory resolution. A satisfactory resolution for me would be for the listed hard inquiries for me listed below from my Equifax credit report to be removed from my Equifax credit report. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of a Discover Bank account on my credit reports. The account, opened fraudulently in XX/XX/year>, was not authorized by me. I am a victim of identity theft, confirmed by the XXXX Data Breach that exposed my personal information. 

Despite my attempts to resolve this issue, the account continues to appear on my credit reports with discrepancies across all three major credit bureaus ( XXXX, XXXX, and XXXX ). For example : XXXX lists the account as derogatory with an unpaid balance of {$170.00}. 
XXXX marks the account as Paid but reports it as a charge-off. 
XXXX reflects a derogatory status with conflicting details. 

I have taken the following actions to address this issue : XXXX. Filed an Identity Theft Affidavit with the FTC. 
XXXX. Reported the fraud to my local police department and submitted a police report. 
XXXX. Submitted dispute letters to all three credit bureaus with supporting documentation, including proof of my identity and evidence of identity theft. 

I am requesting the immediate removal of this fraudulent account under FCRA Section XXXXB. This law mandates that credit bureaus block and remove fraudulent information within XXXX business days of receiving the required documentation. 

This situation has caused significant harm to my credit profile and financial well-being. I expect prompt action from the involved companies to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to Privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9000.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX SYNCHRONY BANK ) XXXX Balance : {$610.00} ; XXXX XXXX XXXX Balance : {$150.00} ; UXXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : {$2500.00} ; XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$610.00}.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX Ct, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$32000.00} Collection XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX. ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$1100.00} Collection XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX Balance : {$0.00} Collection Negative Accounts NOT Included in DIspute : XXXXXXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$6300.00} Late/Open XXXX  XXXX BANK XXXX Account XXXX XXXX Open Date XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX CO, XXXX Account XXXX XXXX Open Date XX/XX/XXXX Balance : {$140000.00} Late/Open XXXX  XXXX XXXX  XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$32000.00} Late/Open
Product: Mortgage

I was shocked when reviewing my Credit Report for this month. I have not been late on this Mortgage this year at all. IT is currently showing as 30 days late in XX/XX/2019, I made my payment forXX/XX/XXXX on time. I was marked as late earlier this year, which I believed was rectified. It turns out they have just moved the late pay to this month! As I said, I have not been late at all!
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.
Product: Checking or savings account

To whom it may concern, I am going through bankruptsy, and going through a divorce. I noticed that a {$55000.00} check was put into XXXX account ; I went straight to the bank and let them know that this was not me. So they looked at it and said yes lets go ahead and close the account. But first did I want to call the police, I said no at that point. So I opened up a new account and put my paycheck in and waited over the weekend to see the deposit. I opened up the app and saw on my new account that not only did my check go through but now I was being charged for deposits that were paid through XXXX and then transferd to XXXX XXXX and paid out again, I was now being charged for that as well. Clearly a mistake on their part. I went back to the bank and they said yes we see where there was a mistake, it would take a few days and I would see my money back into my account. Well a week went by and then another and everytime they say yes theres an error. Today XX/XX/year> said no it was deposited in my account and then removed, clearly not removed. Now I'm about to be denied my bankruptsy and lose everything I've worked my life to keep! Please help me. I have ALL documents and need help asap the court hearing is coming up and I've been paying on bankruptsy for months now. I needed that money to pay my taxes but the bank did what with my money? Please help I'm very desperate!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I filed a dispute with XXXX, Experian, and XXXX. XXXX was able to delete an account from my report, which led to a dramatic increase in my credit score. XXXX completed their investigation on XX/XX/2019 and found that the account in dispute is in fact mine. It obviously is not. Experian also provided results that coincide with XXXX. I have contacted XXXX XXXX XXXXXXXX and they say they are backlogged for 60 days.