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

I did not authorize these inquires into my credit. I called these companies and they said that they can not help me. 

Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Miscellaneous and public record Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address po box XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automotive Contact info Address XXXX XXXX  XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Home Furnishing Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed complaints with the credit bureaus regarding several concerns on my credit reports in the past. I've had identity theft several times in the past in which I submitted letters stating to contact me directly on XXXX in the event there is credit being pulled in my name without my consent. I have obtained about 20 or more inquiries with no creditor reaching out to me to verify, that it is me requesting credit.

I want all of these issues resolved and inquiries removed from all 3 of my credit bureaus reports. Why should I constantly have to mail letters regarding this if I have a fraud alert on my report with my phone number to be contacted and it's still not being done, but my credit is being pulled without my acknowledgment.?? 
I request immediate resolve to the unauthorized credit inquiries and credit sought out in my name removed. 

Equifax XXXX XXXX
Product: Checking or savings account

Today, XXXX XXXX XXXX XXXX XXXX somebody attempted to open an online banking account with Bank of America in my name. I learned of this through XXXX emails from XXXX XXXX XXXX XXXX ) welcoming me to online banking XXXX ) notifying me that my account had been denied and XXXX ) asking me to update my email. Over the phone at approximately XXXX XXXX, a representative of the BoA check fraud department notified me that my ssn had indeed been used in an online banking application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to Experian and XXXX to remove an erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are required to remove any account or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : -
Product: Credit reporting or other personal consumer reports

I am writing to address multiple unresolved issues with the information on my credit report in EXPERIAN, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. After providing supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. 

My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), EXPERIAN is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, EXPERIAN is obligated to investigate disputes within XXXX  days, but I have not received any update or resolution. This delay constitutes a violation of my rights. 

Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect EXPERIAN to cooperate with the FTC in addressing these concerns. 

To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. 

I expect your prompt attention to this matter and resolution within the legally required XXXX timeframe.
Product: Debt collection

XXXX HAS A JUDGEMENT IAMPAYING OFF. THERE WAS A THREE WAY CALL PLACED AND THIER REPRESENTATIVE AGREED UPON A BALACE OWED [ {$2800.00} NOT $ XXXX SHOWING UP ONLINE PAYMENTS ] WITH A CREDIT REPORT OF POSSITIVE OR NUETRAL TO CREDIT REPORTING AGENCIES. I NEED TO MAKE PAYMENTS ONLINE DUE TO E BEENING XXXX AND IN SEVER NEED FOR A XXXX VAN.CAN I GET THIS LAWYERS/ACCOUNTING COMPANY DISS BARRED FOR ANTI-TRUST ISSUES OF NOT REFLECTING TUE BALANCE?
Product: Debt or credit management

Over charging fees for services and changes terms of agreement. They pulled my credit and said I was to have biweekly payment of {$100.00}. Then they removed one account from my debts and increase my biweekly payment. Then biweekly payment increased yet again. In the past 30 days the fees collected exceeded the payments made in past 30 day. They have funds in a dedicated account but negotiated one account to be paid over 10 months for {$220.00} so they can collect fees and not pay off debt.
Product: Credit reporting or other personal consumer reports

I submitted a dispute through XXXX to correct an error regarding a car loan through XXXX XXXX that shows that the loan was discharged due to a XXXX  XXXX. That information is incorrect. The loan was not discharged due to a XXXX  XXXX. As a matter of fact the XXXX  XXXX was dismissed. It was never XXXX. XXXX XXXX was initially listed as XXXX of my creditors on the XXXX  XXXX filing, however the loan was satisfied the year before by my insurance company, XXXX, and my XXXX XXXX, as a result of a XXXX that caused my car to be totaled. The loan was paid in full from both parties. I have documentation supporting that fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each credit bureau several times in reference to these accounts on my credit report that I never opened and are not related to me. To date they have not provided me with any verifiable proof of these accounts. All I get back is a simple template letter stating was verified. Here are the accounts in question : 1. XXXX XXXX  Account Number : XXXX 2. XXXX XXXX XXXX XXXX  Account Number : XXXX 3. XXXX XXXX XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, have violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act XXXX the information provided below has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I was n't able to close on my mortgage on my first attempt due to circumstances well beyond my control. The first appraisal that I received was on the low end but gave me what I needed. By the way I would not sell my house for that amount. Because of the delay, the appraisal was not able to be used, so I had to pay another {$500.00}, or rather be gouged for another appraisal. The first appraisal was less than 120 days old. The second appraisal came in at XXXX percent less with comps that were not even close to the quality, style, and square footage of my house, and the person spent about 10 minutes at my house tops. I did not realize that XXXX was an affiliate of Amerisave, and now I feel duped into having to pay for another appraisal.
Product: Mortgage

After filing complaints i would get email notices claiming that they were going to work with me and all i need was to provide proof of income for ninety days and it has to be enough to support the loan. I submitted information timely and they result is the same. I cant get in contact with mr coopers liaison specified on the paperwork. XXXX XXXX assistant vice president of loss mitigation assured me this would not happen because the reasons prior for the modification denials ( they lost paper work, wanted update award letter of food stamps even though the letter stated it was a SIX MONTH BENIFIT and the dedicated email address XXXX was not receiving ignoring or deleting vital emails??? ) was that i didnt have income and my income had definitely changed. The irony to all this isni went with this with another assitant vice president XXXX XXXX who had the same talking points. So we have a blatant pattern or manipulation and misinformation. My family had be hounded with threee to four phone calls a day and most times its AFTER i lve talked with a representative. I have no choice but to file chapter XXXX bankruptcy even though the VA assured me that Mr cooper would work with me and nothing has happened at all
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts ; XXXX ( Date opened XX/XX/XXXX, Balance {$5200.00} ), XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$1900.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$19000.00} ), XXXX XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$18000.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
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 items 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 items listed on an id theft report. 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 items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Checking or savings account

A {$120.00} legal fee was charged because a levy was placed on my account. Contacted the source ( state of Mass ), I was told that inaccurate information caused state income tax fees and a levy was placed. Paid the amount the same day and contacted BofA who said the hold will come off the next business day. Hold comes off but now I have a {$120.00} legal fee. Called BofA to discuss the fee, but after explaining that not knowing the money owed and surprised with a levy ( Ill be asking my tax guy some questions ) and paying, all they said was that its a legal fee to charge for placing a hold. Is this even ok.
Product: Credit card

On XX/XX/23, we sent a payment {$1000.00} to homdepot credit card services accidently by using XXXX bill pay. Our homedepot card was closed. We have filed claim through our bank but it got reversed. They suggested us to contact hone depot for the return of funds. We have faxed and mailed them multiple times and received returned from XXXX. We called XXXX credit card services and Citibank credit card on behalf of homedepot, but there were no one willing to help us to get our {$1000.00} back.
Product: Debt collection

I have sent multiple disputes to hunter Warfield stating that the debt on my credit report to bristle properties is incorrect ... i paid what i owed and the amount they put off on me should have never occurred because the property manager at the time promised he had a person to take over my lease when my husband and i had to move to another city due to a medical emergency my husband was facing at the time. They still will not take it off of my credit report.
Product: Checking or savings account

I tried to withdraw {$2000.00} ( XXXX XXXXXXXX XXXX  ) from an ATM at a Chase Bank branch. The money was withdrawn from my account, but I didnt receive the cash, nor did I receive a receipt. I immediately called support and filed a claim, but it was denied a few days later. 

Afterward, I contacted support again. They informed me that the claim was denied because I didnt provide proof of the transaction, such as a receipt or a picture of an error code from the ATM. However, the ATM didnt print a receipt or display an error code, so it is impossible for me to provide this proof. 

I attached screenshots of the operation and the claim update. 

Date and time of the incident : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I received a used boat loan for {$110000.00} from US Bank, account number XXXX. I pay twice per month and the loan has provisions that it can be paid off early. My calculations show that I owe {$1000.00} less than what US Bank shows. I have called US Bank on several occasions to get an amortization breakdown, and they refuse to give me anything in writing. One representative even said that they will not give this in writing, and another representative said they will only give it within the first six months of the loan. I have called three times, and all three representatives say they would send, and I have received nothing.
There is an issue here, and no one will give me the calculations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX for almost 10 years. I was released XX/XX/XXXX-18. All my information was stolen and accounts have been opened and debts accumulated beyond belief! This is a very frustrating process. This complaint is for XXXX and XXXX XXXX XXXX. They have listed multiple accounts as well as bad checks. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and a bad check to XXXX.
Product: Debt collection

XXXX XXXX XXXX went out business and did not provide the services or products that I was charged for. This debt is managed through a third party payment processor known as healthcare finance direct. They are threatening legal action and to send my account to collections for the outstanding portion of my debt held by XXXX XXXX XXXX. However, I never received equipment or services that I was charged for and I am unable to reach XXXX XXXX XXXX since they shuttered the company.
Product: Debt collection

The collection company ERC ( Enhanced Recovery Company ) is attemptimg to collect debt for a very old XXXX cellular account. 

The cell phone account is closed, but the member account is however open to log in and rectify your balance. 

XXXX initiated a collection company years ago, but I believe there's been two collection company trying to collect on this old account. 

Most recently, ERC ( Enhanced Recovery Company ) XXXX. XXXX XXXX XXXX, FL XXXX XXXX. 

The XXXX  account past due XX/XX/XXXX on the website indicates the amount due is {$270.00}. 

ERC ( Enhanced Recovery Company ) Obviously didn't know, I was paying XXXX directly through their website and had dates process, amount of money pay and confirmation numbers from XXXX. 

Recently I owed XXXX {$470.00} and I paid the XXXX account on XX/XX/XXXX {$200.00} decreasing the account balance to {$270.00}. 

I expected the payment, like others to be reported to the credit bureau. 

That didn't occur this time around like the payments of {$24.00} on XX/XX/XXXX and {$20.00} XX/XX/XXXX. 

I paid {$200.00} to cut into the {$470.00} decreasing the account to {$270.00} and ERC ( Enhanced Recovery Company ) falsely claims that no payment was made and they increase the account debt by {$200.00} to indicate that I still owe the {$470.00} on my credit report. 

ERC ( Enhanced Recovery Company ) falsely reported a {$200.00} increase on my credit account because I dispute the accuracy of the total amount due and I'm assuming because I didn't pay them. 

I payed XXXX XXXX company online member account in the last 13 months {$240.00} toward the {$470.00} that was owed. 

I pay on XX/XX/XXXX {$20.00} confirmation number XXXX XX/XX/XXXX {$24.00} confirmation number XXXX Recently, XX/XX/XXXX {$200.00} confirmation number XXXX ERC ( Enhanced Recovery Company ) wanted to fraudly and negatively affect my credit rating by increasing the account by {$200.00} to indicate the previous amount {$470.00}. 

I owe XXXX XXXX company {$270.00} ERC ( Enhanced Recovery Company ) has broken the law and fraudulently  reported and increase the amount of due to collect on money that was paid to the original creditor.
Product: Credit card or prepaid card

I received promotional mail and email from Bank of America in XX/XX/2019, which said I would be offered {$300.00} bonus credit, if I successfully apply a Bank of America Business MasterCard, and spend {$3000.00} eligible expense in the first 90 days of card opening. I responded to the offer, and got my card opened in XX/XX/2019. 
Between XX/XX/2019 and XX/XX/2019, I see from the credit card statement, there was a total expense of {$3000.00}. However, after the end of promotional period, I was not offered a {$300.00} bonus credit. I called Bank of America, and was told among the {$3000.00} expense, there was a {$39.00} late fee, and the eligible expense is only {$2900.00}. I told them I paid my card monthly due in full on time, why would there be any late fee? Bank of America acknowledged it was a mistake on their side, and returned me the {$39.00} late fee. But they refused to give me the {$300.00} bonus. 
I dont think it was a mistake. I think the bank fraudulently put the late fee on my card, to trick me out of my bonus. I paid all my monthly due in full on time, I was absolutely not aware there was any late fee on my card when I calculated how much I need to spend before the end of 90-day period. If I knew, I would of course have spent {$22.00} more to achieve the {$3000.00} ELIGIBLE expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX In accordance with the Fair Credit Reporting Ac Section 605b, I am requesting that you remove the disputed accounts and information off of my Credit File as soon as possible.
Product: Debt collection

THIS COMPANY IS REPORTING A DEBT THAT HAS BEEN SETTLED. 
I DO NOT HAVE A CONTRACT WITH THIS COMPANY. 
I HAVE NEVER SIGNED A CONTRACT WITH ( AARGON AGENCY INC ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am submitting this commplaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Under the provisions of the FCRA section 605b, I need the following items removed as soon as possible ; XXXX XXXX XXXX XXXX CT XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX THE XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date opened XX/XX/2018 -late
Product: Credit card or prepaid card

Someone tried to apply for a credit card thur Synchrony Bank for a Walgreens credit card. I pretty well know who the offender is, just proving that will be my only problem.