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

I received XXXX letters dated XX/XX/21 and XX/XX/21 from XXXX XXXX XXXX. Both letters stated that charges in the amount of {$190.00} would be automatically deducted from an account ending in XXXX. I do not have any accounts ending with these numbers and I have not made any purchases from XXXX XXXX XXXX. I called XXXX XXXX XXXX and the representative told me that this is for furniture that was purchased at XXXX XXXX furniture in XXXX, GA. I called XXXX XXXX XXXX and spoke to XXXX. He looked up my information and told me that approx {$2600.00} of items were purchased at the store using my name and social security number. My prior address was used. The phone number used was not my number XXXX and the email used is not my email XXXX. I was also told that the sales person who made this sale is XXXX XXXX and he no longer works for this store. 
After several weeks of phone calls and sending letter to XXXX XXXX XXXX ( XXXX Identity Theft Affidavit along with FTC ID Theft Report and Police Report ) has yet to remove inquire from my credit report and have now started to report this account past due balance on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX/XXXX placed an unauthorized inquiry on my Equifax Credit Report. On XXXX XXXX XXXX placed an unauthorized inquiry on my Equifax Credit Report. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is violation of the Fair Credit Reporting Act Section 1681 b ( c ). This is a serious breach of my privacy rights. 
I have been calling XXXX/XXXX, XXXX XXXX, and Equifax since XX/XX/2020 and I have yet to get any proper response I was told by XXXX they didn't have any documentation bearing my signature and they would contact Equifax to remove the inquires yet no actions seem to have been taken by XXXX since. I don't have an telephone account with XXXX XXXX and I contacted them and they told me they don't have an account for so they can not remove the inquire. I contacted Equifax about the Issue of the unauthorized inquire by XXXX and they said they have no power to remove the inquires.
Product: Debt collection

After pulling my credit report on XX/XX/XXXX I noticed an account ; XXXX XXXX XXXX XXXX on my credit report. I have no knowledge of this account & have been victim with 2 data breaches that have resulted in identity theft. I've called multiple times to get this account closed & deleted from my credit report with failure or no response from the company. Attached is a copy of my Federal Trade Commission Affidavit to speed this process up. I have reached out to XXXX, XXXX XXXX XXXX to delete this account which have referred me back to the original furnisher. I have spoke to several customer service representatives whove all refused to assist myself or properly investigate this situation & unable to even locate an account with them but yet to continue to report on my credit report monthly. Ive requested multiple documents, information to assist my case with no response. On XX/XX/XXXX I received an email from a company named Radius Global Solutions reference XXXX XXXXXXXX to an alleged debt I have no affiliation with. I have attached a copy of my original FTC affidavit.
Product: Debt collection

XXXX XXXX, XXXX {$3500.00} Apartment XXXX on the XXXX Collections Company : Innovative Recovery In ... ... .. 
XXXX Misleading information upon move in! I was told by the apartment agents that if I left the apartment, that my deposit of around {$2000.00} would be kept. I told them I would be moving out and not staying the next month. I was never told about an additional penalty when signing the lease on the apartment nor prior to move out. I did not over stay the month that had already been paid and the apartment complex still kept my {$2000.00} deposit. This {$3500.00} charge is ungrounded and was never stated by the agents working in the apartment complex at any point.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to conduct a proper investigation into my credit dispute. Despite my submission of supporting documentation in XX/XX/year>, Experian completed the investigation without reviewing my evidence or providing proof of any meaningful investigation. 

This violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 4 ) Mandates that agencies review all relevant information provided by the consumer.

15 U.S.C. 1681i ( a ) ( 6 ) Requires agencies to provide the consumer with the results of the investigation, including a description of the process used. 

XXXX failure to review my submitted documentation and properly reinvestigate my dispute violates my rights under the FCRA. I request immediate corrective action and oversight to ensure compliance with federal regulations.
Product: Debt collection

Please provide this, if dint have this in 30day XXXX most be deleted to my credit report. 

1. A copy of the original contract or original purchase ontract is sent, i must inchale signatures for a parties, Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders.

2. In addition, please send proof of chain of ownership of the alleged debt and include proot of assignment for each change of ownership. Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain.

3. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status 4 If any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement. 
XXXX. Proot that you are legally allowed to collect on alleged XXXX. 
debts in the state of YOuR STATE, including your Third-Party Debt Collection Bond.

6 Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC XXXX XXXX XXXX XXXX makes clear that it " debt parking '' without proper notices is a violation of consumers rights.
Product: Debt collection

I was attempting to get a loan for a new house, when the lender informed me that my credit had dropped from  XXXX  to below  XXXX  and that I  may  not qualify for the loan. finding that  Amcol  systems collection agency had been sending a medical bill invoice to the wrong address for many months and attempted to call  a 12 year old d isconnected numb er. I have no problem paying the bill and it has been taken care of. However may complaint is that I requested for AMCOL to remove it from my credit report as it was their fault in destroying my credit. " two of their employees told me that do n't do that and I could go pound sand '' This company is rude, and has no respect for someone with great credit, that was destroyed by their company and their lack of professional work ethics. the loan company is reviewing my credit information now and I may be denied a loan for a home of my dreams due to this company refusing to remove a bad debit that was created by a w rong address.
Product: Credit reporting

Experian refuses to remove the incorrect address XXXX XXXX XXXX XXXX, CT XXXX, from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tuition service provider has incorrectly assessed my account as delinquent and reported such to credit bureau.
Product: Credit reporting

The creditor ( XXXX XXXX ) had agreed to remove the late payments from my account. After 2 months, they still were n't removed. I filed a dispute with equifax and in the process the creditor updated the information and my credit report was updated correctly. 30 days later Equifax put all the negative information back on my report and the creditor had not sent anything new in. I provided them with the mortgage verification showing that I have no late payments and they still want me to redispute the item and wait another 30 days. This is not fair and it 's damaging my credit for no reason.
Product: Debt collection

This Debit Collection Agency called Enhanced Recovery is XXXX Around with My Credit Report, Ever Since XXXX From When They First Called Me Back Then. I Informed Them That the Account Was a XXXX Account Witch the Original Company XXXX XXXX XXXX Knew About the Account Being XXXX. The Person at The Collection Agency Had an Attitude Trying to Be Smart and Tell Me I 'm Going to Pay for The Account Regrade less it 's fraud Account or not. I Told Him I was not Going to Pay for a XXXX Account that was n't mine he Hung up The Phone. Ever Since Me and Him Got into It Over the Phone, at The Beginning of the year ever Since Me and Him Got into It. The Collection Agency Sneak and Put the Account Back on My Credit Reports After the Fact It Been Removed in a result of it being a fraud account, Where I Have to Dispute It Every Year, Last Year They Were Trying to Be Sneaky and Put the Account on Their Twice Not Thanking I Would Catch It. Just Today I Checked My Report and The Account was Back on Their, Where Had to Dispute the Account.
Product: Mortgage

I had to file a complaint to get under a repayment plan. I have paid the repayment plan on time to date. The repayment plan is near expirations and I seek to file for a loan modification. The company will not proceed with my application for a loan modification. I am unable to get any type of answer as to why. I keep submitting the application and it just will not proceed. I need assistance in getting the process to commence.
Product: Credit reporting or other personal consumer reports

I am writing to convey my disappointment regarding your recent claims concerning my accounts. I AM FIRMLY REJECTING THESE CLAIMS ON THE GROUNDS THAT YOU LACK ANY SUBSTANTIAL MATERIAL FACTS OR EVIDENCE TO SUBSTANTIATE YOUR ASSERTIONS. Consequently, I strongly urge you to initiate a comprehensive and immediate investigation into these matters. Your recent claims have cast a significant shadow over my financial standing and have the potential to inflict severe harm on my creditworthiness. It is of utmost importance that we expediently and accurately address this situation to prevent any further repercussions. Moreover, I MUST EMPHASIZE THAT I VEHEMENTLY REJECT YOUR POSITION TO DECLINE MY IDENTITY THEFT CLAIM!!! The authority to determine whether I have been a victim of identity theft rests not with your organization but with the established legal processes. XXXX  XXXX. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX on accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but I have gone and paid everything and it should no longer be on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/2021, I sent communication to Transunion and XXXX asking for a collection account to be investigated. The account is with XXXX XXXX XXXX. I have requested from the creditor documents validating this debt several times, as I am not aware where this came from .I sent in proof several times that this creditor is not validating the debt because they are not informing me as to how it was obtained. They have sent me several communications stating that the original creditor believes it is valid. When asked to send me proof of this account. XXXX on 3 occasions sent me a 2 page bill that displayed no information as to what the charges are for. Also XXXX was reporting conflicting information between the credit bureaus. I sent this information to the reporting agencies and they only updated the information to match. Transunion and XXXX both failed to properly validate this debt. I have not been informed by neither XXXX, Transunion, nor XXXX on how this debt was obtained nor where it came from. When I called Transunion I was told that they have just started my dispute on XX/XX/2021, that is one month after my certified mail receipt shows it was delivered. Once I advised the rep that I had proof it was received by them on XX/XX/2021, he then changed the story that the investigation was completed and that they updated the information. This information is damaging my character and causing me a great deal of stress. I am trying to purchase a home and this is stopping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed EQUIFAX a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from Equifax firm stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to your guidelines and I demand that Equifax examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 
The disputed item must be investigated and delete it. 

1. This is not mine. I strongly believe - account was opened by fraud. 
XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was refused credit due to the fact that Experian would not release my credit report and or credit score to the company that was making the inquiry. My problem is that there is no normal 20th century way of getting information from Experian as to why they would not release the report. They have several phone numbers all of which take you to an automated system that will not allow the option of speaking to an agent of the company. Now because of their confusing automated system I may have inadvertently placed some type of freeze or fraud status on my account. I have no way of undoing this because they refuse to speak to anyone. I did a quick search online and discovered several forums with multiple similar complaints. It is ill advised to allow a company to hold control over the credit fluidity of individual citizens when that same company basically refuses to engage with people and provided real time explanations for the issues with their information and systems. If they and other similar companies control the credit worthiness of the population their information, process, and accountability needs to be flawless or at least close to flawless
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts because they are all inaccurate, incomplete and unverifiable. After 30 days of waiting, all the credit bureaus completed their investigation and all came to say that these accounts were verified. 

in my request, I demanded documentation to verify these accounts, but none of them provided any type of documents. Under the 609 FCRA, credit bureaus are required to have the original consumer contracts, which they did not provide. 

Moreover, all the 3 credit bureaus verified these accounts to be correct but when looking at these accounts, they are all reporting differently. For example Equifax confirm an account which was opened on XX/XX/2013 and XXXX  would also verify the same account to be accurate but the account shows it was opened on XX/XX/2013. 

The same account is showing late on Equifax, but on time with XXXX. Who is right and who is wrong? 

If an investigation was conducted, I need the names of people they spoke to, their phone numbers, the time and dates, also I need the original consumer contract bearing my signature that they all have on file. 

This is my last attempt to try to resolve this amicably. I need these accounts immediately removed from my credit report without any wait. 

My next step will be a lawsuit if this is not fixed immediately.
Product: Money transfer, virtual currency, or money service

I was given a check to cash for a friend whom seemed to be legit. I asked the gentleman banker if I were to try to cash it at the atm, if it would work for the larger amount needing to be cashed. He said yes and that only A portion would be anvailable right away. But that didnt matter because I funded the check cashing from my savings account with enough Money to Cover the full amount, but waited to do so until the check cleared. And the check was cashed at the atm of the Wells Fargo branch and within a couple days it was shown as deposited in my account. I had the funds to cash the check for the individual and it was all fine. Until the check was returned claiming to be a forged check after the cash had been withdrawn from my account already. But my account was deducted nearly $ XXXX from the bank. And so the bank in question is now not is not reissuing the check or the check was actually forged and the individual in question scammed me. I was then told by someone at another Wells Fargo when I went in after the check had be returned that they wouldve never told me to cash a check of that amount at the atm. So I guess Im filing a formal complaint against both the XXXX XXXX XXXX and the Wells Fargo branch who initially cashed the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

At XXXX on XX/XX/XXXX. I called Equifax to dispute 5 Hard Inquiries reporting on my Credit report. And had spoken with someone from the dispute department named XXXX. 
Who said she sent out to the 5 Creditors notices of the reporting of the inquiries. Then once I told her I'm in the process of writing a complaint. She told me that I needed to file a police report. And that I needed to contact these creditors ( the burden of proof is the on reporting agency ).

I've been going back and forth about these 5 Hard Inquiries for months.

The places that are reporting the 5 Hard Inquiries. NEVER RESPOND BACK TO THE CREDIT BUREAUS. AND OR ME.

UNLESS IT'S IN THE FORM OF A LETTER STATING : " WE DO NOT HAVE YOUR INFORMATION ON FILE. PLEASE CONTACT US. '' Of which is obvious. Of course they don't have my information. Because I never applied for their services.

The 5 Hard Inquiries DO NOT HAVE THE FOLLOWING : 1. A SIGNATURE, 2. ANY ACCOUNTS ATTACHED, 3. PROOF OF VERIFICATION THAT I MADE ; AND OR, AUTHORIZED SUCH A HARD INQUIRY, AND 4. RELEVANTS TO ME. 
But yet still are reporting negatively on my credit report. 
XXXX gave me a confirmation number : XXXX. In regards to what she said she's done. 
Then at XXXX, I had spoke XXXX  ( the supervisor of dispute department ) Of which led to nothing happening. 
Be Advised : my Credit Report from Equifax will show past Hard Inquiries being deleted. Without all these extra steps they're putting me through now. 
XXXX also stated that she only had seen 5 Hard Inquiries ; period. In an attempt to cover up that Equifax had already deleted Inquiries in the past.

These 5 Hard Inquiries need to be removed : XXXX XXXX, Made on : XX/XX/XXXX XXXX XXXX, Made on : XX/XX/XXXX XXXX Made on : XX/XX/XXXX XXXX XXXX XXXX, Made on : XX/XX/XXXX XXXX XXXX XXXX, Made on : XX/XX/XXXX Please refer back to the dates and phone call with Equifax. Because it clearly illustrates both representatives from Equifax lying.
Product: Vehicle loan or lease

XX/XX/2012 XXXX XXXX XXXX {$5500.00}. I am disputing this account as fraud. Please investigate this account. Enclosed is an affidavit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several collections accounts listed on my credit report, which I believe were fraudulently opened without my knowledge or authorization. These accounts are inaccurate and must be removed from my report under the Fair Credit Reporting Act ( FCRA ). 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX : {$1300.00} Date Opened : XX/XX/XXXX Original Creditor : XX/XX/XXXX XX/XX/XXXX AND OUT Balance : {$7300.00} Date Opened : XX/XX/XXXX Original Creditor : XXXX XX/XX/XXXX AND OUT Balance : {$12000.00} Date Opened : XX/XX/XXXX Original Creditor : XX/XX/XXXXON XXXX XXXX XX/XX/XXXX Balance : {$360.00} Date Opened : XX/XX/XXXX Original Creditor : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$410.00} Date Opened : XX/XX/XXXX Original Creditor : XX/XX/XXXXXXXX XXXX XX/XX/XXXX Balance : {$28000.00} Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XX/XX/XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX Original Creditor : XX/XX/XXXXThese accounts were not authorized by me and are clear cases of identity theft. Under FCRA 605B [ 15 U.S.C. 1681c-2 ], I am requesting the immediate removal of these fraudulent accounts from my credit file.

Supporting Information : Under FCRA 611 [ 15 U.S.C. 1681i ], you are required to conduct an investigation within 30 days. Upon confirming the fraudulent nature of these accounts, please remove them from my report and provide written confirmation of your findings.
Product: Debt collection

This company admits I paid XXXX which was a settlement, and every few years they keep trying to come after me with various collection companies. This was just closed with you guys and yet Im getting more mail. This time the letter states, that they cant sue me, or report it in my credit but if I choose to pay then thats all lifted. Please help. So now XXXX whos not allowed to collect or contact me hired credit control , llc to come after me.
Product: Checking or savings account

XXXX XXXX somebody stole my ATM INFORMATION, in XXXX, Michigan. XXXX {$100.00}. I live in XXXX XXXX, Michigan 9 hours south. I used my debit card for dinner in lake XXXX the same time my stolen ATM was being used. I contacted TCF bank, filled out the fraud questions, there would check into it. Well,10 days later I received a letter refusing to return my stolen money, they said the chip was designed for me only, and no one could access it but me. I argued with them about the fraud, basically they called me a liar. 
I called back and told them that I want their proof, again never received it. Called a 3rd time, told them about their so called ZERO FRAUD LIABILITY, told them again I live 9 hours away and used my card the same day plus I told them chips can be cloned. Of course nothing again, and being accused of lying. Im so mad at TCF, Im closing out my savings account tomorrow Ill keep the checking until my bills cleared. Oh, the first call they shut my card off, big deal whos to stop it from happening again? Next time they could have wiped out my checking account and they would do nothing about it. What a joke of a bank.
Product: Debt collection

This company called contacts on an old debt file from a payday loan. When they contacted my brother on XX/XX/18 regarding this they disclosed personal information such as, we will serve court process at work and he owes a lot of money, which I believe violates my confidentiality. 

I personally called the number that was given to my brother on the same day XX/XX/18, I was connected with a very rude person saying he was a legal consultant named XXXX XXXX. After a conversation with said representative my identity was confirmed via my last four of my social security number. I was told my debt was originally from XXXX XXXX and that my account and personal information with sold to to ACT ( account control technologies ). 

After conversing with the representative he informed me of a law suit pending against me and demanding a certain amount of money ( $ XXXX ) to have it expunged, he then told me I had no choice but to get an attorney. At this point i felt threatened and he ending the call abruptly. 

After learning of this company 's representative 's response I looked up any records of a civil law suit in my last name in the corresponding counties clerk of court only to find nothing regarding this.