23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We had a debt with WJ Bradley that was originated in XX/XX/XXXX. The company filed Bankruptcy in XX/XX/XXXX. We never received any documentation that specified who the new creditor was going to be. We did not make a payment for months, we were contacted by the new creditor via a phone call. My wife made arrangements to catch all the payments up that were in arrears via a phone conversation. We never received anything " official '' from the Creditor which is XXXX XXXX. We never received any documentation of how the payment plan was supposed to work, when it began when it was over and what the total cost of it would be. Since this is a debt that accrues interest I would hope that they would need to provide that. The website to XXXX   XXXX has a phone number that instantly goes into a voicemail that was full, the email address bounces back and there is not a listing I can find for the business or corporation in the US.  We were asked to wire funds to a bank called " XXXX XXXX  a Division of XXXX XXXX. Their beneficiary is XXXX XXXX XXXX town in the XXXX XXXX. My wife was hesitant to wire funds to the XXXX XXXX so she asked for an address to send a check. She ordered a check through XXXX XXXX Bill pay in XX/XX/XXXX and it has come back to us uncashed. She had the address that was given to her via an email along with the correct account number that was provided yet the check came back after 4 months. I can not find a phone number, a working email to the company ( heavens knows who that person is my wife has been corresponding with VIA email ) I have no trustworthy way of communicating with this " entity. ''
Product: Credit card or prepaid card

This complaint is about my American Express business platinum account ending in XXXX. The account was closed due to the fact my business lost a recently obtained contract and Im having to adjust my lifestyle and move. Because of this I had to cancel my account. I sent a payment yesterday and today I was checking the remaining balance to be paid off before the due date of XX/XX/2018. I saw I had a negative Memberahip Rewards balance of XXXX XXXX. The card came with a sign up bonus of XXXX points after spending {$10000.00} in the first three months which I did. One attaching the statement which clearly shows spending above the requirement. The points were posted when I met the spending and I transferred them to the airline of my choice. Im respectfully requesting the membership balance be updated to get out of the negative, since it was at XXXX points yesterday. Ive never had this sort of problem with XXXX and I hold several of your cards which I enjoy using and Im an advocate of. I called and spoke with XXXX and then XXXX at the Memberahip Rewards Department. They agreed on a recorded line that I had met all the requirements of the spending and that I shouldnt have a negative balance. As a long time loyal customer Im asking you to do the right thing. Otherwise Ill be forced to close all my accounts with you and move my spending to somewhere else. I sincerely hope your company values their customers and doesnt see us as just numbers. 

Even though the reason for cancelling my XXXX Business card was the loss of most of my upcoming contracts, I contacted American Express to reinstate the card and I will pay for any fees out of my savings in order to get the points reinstated and maintain a long and productive relationship with American Express. Im unsure as to why this has become a problem when a valuable customer is under duress financially and wants to do the right thing. Thank you.
Product: Credit reporting

I have supplied the dispute report number and will attach that document along with the additional documents. 
Background : I tried to sign up of the Social Security website for an on line account- upon doing so I was not able to so I called the SSA office number supplied by the website. I explained all of my information is correct etc. 
The SSA rep. explained that identity verification is drawn from Experian and I needed to contact them ; si I did. 
Upon doing so, the Experian rep. explained to me that she has no idea what information was supplied to the SSA office, but did I see anything? Yes I did an address AND that my complete and legal name is n't referenced anywhere!! 
I said so I dispute the reported address and my name and that 's it? NO she replied- I was told I HAD TO CONTACT the creditor and supply them with all my correct contact information!! I said the creditor HAS my correct information as I have mail from them and I have never lived at that address nor had I supplied on a credit application etc. Her reply once again was I needed to contact the creditor!! 
So the attached documents validate that the creditor reporting incorrect information has my REAL information as I have documents from them- see attached- I even supplied who and what business is actually at that address. 
Please see attached Experian Report for their answer to my dispute and documentation. By the way- XXXX XXXX and XXXX a report my current address correctly AND list it as such- Experian does not identify the current address. 
When looking at their Values statements posted on their website and comparing it to the baloney they list as how they collect data and apparently the information was deleted but its still on my report. 
In closing, I find it reprehensible that Experian provides an UNKNOWN combination of information reported by people other than the legal entity that the report is about to SSA, and frankly anyone, this debacle creates stress on me and delays important benefits health, financial and Identity Verification. If you read the Personal Information section and then read their website on their commitments to the integrity of their data and services. Its sounds GREAT! But in actuality it is poor at best and the US Government and Experian are playing the NOT OUR FAULT GAME and pointing fault at each other. 
The simple solution is full disclosure and transparency of the specific details about the information provided, shared and collected and put the ownership of validity on the credit reporters and account providers. not what is in the personal information section.
Product: Credit reporting or other personal consumer reports

Unknown information, I pay my bills on time and still receive credit scores below XXXX or below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent our multiple letters to each Credit bureaus about reporting Inaccurate information on my consumer report to other companies without my consent or authorization ( Identity Theft ). Due to each bureau reporting this has caused me to be denied for the necessaries I need to live such as a home, car, credit cards, business lines of credit etc. As the consumer I am not Injuries by the actions that have been taken by the bureaus. This has caused me a MAJOR hardship, the damages and losses have been tremendously over whelming. I have called and sent out letters by mail, as well as filing multiple disputes multiple times Since XX/XX/XXXX up until today XX/XX/XXXX. The bureaus have not responded back and the in accurate information is still being constantly reported. I have bee receiving letters in the mail from third party debt collectors saying that I owe them. I never set up an account with. 
EXPERIAN, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXXR, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX..
Product: Debt collection

Received a letter date XX/XX/XXXX that Sunrise Credit Services was trying to reach concerning a very old XXXX XXXX XXXX  Account. They said that if I did not respond by XX/XX/2022 they would remote me to credit bureau. I received the letter on XX/XX/2022. This is the first communication from collector concerning this debt. They claim they have been trying to reach me by phone, but you receive so many spam calls a day that it would be next to impossible to know if they were calling me as no one ever leaves a voicemail. This may have been involved in bankruptcy as I had an XXXX XXXX XXXX  account in their. I have been given no chance to dispute this with them, prove otherwise or be given validation. I did have an XXXX XXXX XXXX account that is being handled by my state AG and the FCC. I refuse to speak to a collector at all as they refuse to listen and have a poor track record according to XXXX.
Product: Credit card or prepaid card

Company response was not a direct response. I save all emails and statements since I started with credit card. I have researched their response and find no document that states what company claims. I want the protected balance interest charged for more than a year refunded before I close this account.
Product: Money transfer, virtual currency, or money service

I asked Wells Fargo to transfer {$25000.00} from my XXXX XXXX XXXXXXXX account to Wells Fargo electronically and it never took place. 
I requested the transaction on XX/XX/XXXX. I have the log that states that this transaction can not be Canceled, when I called them after I did not get my money transferred they said that the transaction was canceled. Then I looked into my XXXX XXXX XXXXXXXX account, but money was not in my XXXX account either. 
So I went to one of the branches and spoke to the manager, he looked into it and they open a claim they said will take 45 days to resolve the issue and they would send me the complaint claim number which I never got and this is not acceptable to me because Im missing {$25000.00}. 
On XX/XX/XXXX I called them again and I filed a complete against the bank by speaking to one of the managers when I called them by phone.
Product: Payday loan, title loan, personal loan, or advance loan

One main financial. Told me if I bought the insurance on the loan. That would help in getting the loan. Its been a while like XXXX. My acount is closed with them. I borrowed money 2 times at least and had to buy the accidental death insurance both times. They did make it seam like I had to buy it to get the loan. I seen they were being sued about this very thing. I live in XXXX kansas the branch is delt with is. On XXXX XXXX here ..went through a divorce. XXXX tried to get them to negotiate a new payment. They Absouloutly refused and would even take off insurance to even help me ..so I defaulted on loan. I offered to pay have the bill. Every month. They would not budge. ..years later the 1099 me for what I owed. And wrote it off like a settlement never heard of that before. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove information on my Credit File that are UNKNOWN to me. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts and information not later than 4 business days after the XX/XX/XXXX. The XXXX and TransUnion Credit Bureaus have failed to comply with the FCRA sectiob 605b and continued reporting the items I was disputing wiwhout proper verification. Ive already included the Fraudulent infromation in my previous Complaints & I am including it again. 
XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$5400.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX XXXX {$0.00}. If XXXX and TransUnion feel there is a possibility these items belong to me I will require all documentation that bears my signature. If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I recently filed a complaint on XXXX XXXX XXXX and a third party company by the name of XXXX XXXX solutions. XXXX XXXX XXXX says that I owe money for a month I did not have service with them. I canceled my service with XXXX XXXX XXXX XX/XX/2019 and returned my equipment due to the service not properly working. A Technician came out twice and was unable to fix the problem. After canceling my service in XX/XX/2019, XXXX XXXX XXXX attempted to go in my account in XX/XX/2019 without my authorization. XXXX XXXX XXXX reported to XXXX XXXX solutions that I owed XXXX. After my compliant XXXX asset solution removed the negative information for my credit report. XXXX XXXX XXXX have sold my information to another third party company by the name of Franklin Collection services , INC. stating I now owe XXXX. This company have been calling and harassing me after being told numerous of times I am not liable for the debt owed. I would like for this company to stop harassing me and threatening to report negative and inaccurate information to the credit bureaus.
Product: Debt collection

I have consulted an attorney and am in the process of filing a motion with the courts and possibly my own civil suit because I believe this company was wrong in their attempts to collect a debt from a company that has informed me they are not represented by them. I was never given a court appearance in regards to objecting to the execution of this judgement. To this point this company has collected more than 66 % of the judgement and I have been advised to have them voluntarily stop a wage garnishment execution in lieu of my own suit and recovery of lost wages. I feel this company has acted unlawfully in the execution and used unlawful practices. If they stop the wage execution immediately, i will consider this matter closed and over. If not, then I will continue with my motion which will include my own civil suit and investigation. I hope a resolution to this matter will end now before further actions are filed. I have also attached a copy of a certified letter receipt which i never responded to which means I was never formally notified in which the courts indicate I did and signed for.
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my credit report today, and I have no clue how they got there. I check my report regularly, but this time there were unexplained discrepancies. I even tried refreshing the browser, hoping it was just a glitch, but the inquiries didnt go away. Im extremely frustrated and want this issue resolved immediately. Please double-check the documents Ive sent so this doesnt happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont believe that this account is correct, but it s being reported to my credit, and I am trying to make sure everything on my credit is correct. I have never done business with this company, and dont understand how I would owe money or have anything that would appear on my credit report from them.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach I want items deleted from my credit report effective immediately I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing please help me delete illegal accounts from my credit reports
Product: Debt collection

there is a debt collection agency that continue to send me information on an account I never had after asking them for information that shows this lender info they stated that I will have to call the company myself after searching for the lender and also looking up reviews from this company, there is no way to reach the company that says I owed them money for a credit card I never had, I feel that if this is truly a debt I caused I should have the info.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX H ( XXXX ) XXXX C ( XXXX ) XXXX Social Security number XXXX XXXX Consumer financial Protection Bureau To whom it may concern : I would like to dispute and have remove a Public Record listed on my Transunion Credit Report. This Public record is inaccurate and incomplete its missing the outcome ( Discharged Dismissed Etc. ). It also does not state what chapter etc. I have disputed This Item several times however it continues to be verified as accurate.

Enclosed with this request is a copy of my social security card and my drivers license.

Thank you for any help you may provide in this matter
Product: Credit card or prepaid card

Two fraudulent accounts were opened in my name with Venmo. I requested to have them closed but never received confirmation that the accounts had been closed and are no longer active or being reported to credit agencies in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXXXXXX DEPT OF ED/XXXX XXXX XXXX XXXX
Product: Credit card

When applied, they said all purchases for carnival would apply. They did not apply the XXXX XXXX per the case notes each call. Ive called each month to correct it because there was interest charged. They state the calls are recorded and the first call made my intentions clear that if it wasnt XXXX XXXX  I was going to do a balance transfer. They assured me that it would be XXXX XXXX. They said it should reflect on my account XXXX days. The XXXX call, they said it does not apply. They lied and would like the recording to be reviewed and interest pod to be returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

A vehicle was repossessed in XXXX and Whitestone Finance is reporting it erroneously as the North Carolina Statute of limitations is up for the debt. The date of last payment and account activity was XX/XX/2018. The North Carolina Statute for agreements or installment agreements such as car loans expire in 3 years. Its been 5 years. This account should be deleted immediately.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681EB, CREDIT REPORTING AGENCIES are suppose to assure maximum possible accuracy. The XXXX  XXXX account on my CREDIT REPORT is not accurate according to the Fair Credit Reporting Act. The DEBT has been CHARGED OFF AND WRITTEN OFF. This account is negatively affected my CREDIT SCORES. Please update report or delete account immediately for violating 15 USC 1681EB.
Product: Credit reporting or other personal consumer reports

I was in an accident XX/XX/2022. I was struck my a XXXX and on the scene of the accident the person that hit me admitted in front of the police they hit me. XXXX and the other persons insurance company deemed that I was not at fault after investigation. 

Yesterday I called another insurance company to get a quote and I was told that Lexis Nexis system shows I was at fault of an accident in XX/XX/2022. This is causing me to be quoted an astronomical amount for insurance. The information reported is inaccurate.
Product: Mortgage

I have a lot of stuff on my credit i never use ... My idenity was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER 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, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}.
Product: Debt collection

On XX/XX/XXXX I changed my car Insurance from XXXX XXXX, policy XXXX. XXXX to XXXX XXXX, policy XXXX. XXXX. Later XXXX XXXX send me invoice for {$140.00} and said that if I had insurance before cancellation date with them which was XX/XX/XXXX, they will review and cancel their demand. Despite of sending them my new insurance info, they didn't care and forward my debt to R.M.S. Collection agency. On my phone call with R.M.S. on XX/XX/XXXX, and faxing them the document showing I have insurance before XX/XX/XXXX, the report it to XXXX XXXX. 
Despite of sending copy of all docs and letter explaining the fact, they didn't care about my demand to Delete it from my report. 

I now demand that XXXX XXXX review my documents and delete it from my report. 
Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX  XXXX {$7000.00} US DEPT ED XXXX {$1700.00} US DEPT ED XXXX {$2100.00} USDOE XXXX XXXX {$4500.00} XXXX XXXX XXXXXXXX {$28000.00} XXXX XXXX XXXX {$16000.00} XXXX   XXXX {$2200.00} XXXX XXXX {$890.00} XXXX XXXX XXXX {$410.00} XXXX XXXX  XXXX {$420.00}