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

I Have sent multiple rounds of disputes to the creditor XXXX  XXXX and also to the 3 bureaus XXXX, XXXX, and Transunion with little resolution about my identity theft situation. 

The bureaus keep sending me letters saying they are showing XXXX  XXXX account as accurate and arent removing the fraudulent inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXXXXXX {$890.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXXXXXX XXXX
Product: Prepaid card

Re-submission of same claim as documented under XXXX, which, alas, has still produced no actual proof in support of the company 's claims that any terms and conditions documents were ever provided with the initial cards. To date, this has gone unproven, and I will continue to dispute what is undoubtedly a lie, until satisfaction is given! What proof will you provide that supports the allegations made? Please advise accordingly. Thank you. P.S., it would be in your company 's best interest to comply, so that I will put an auspicious end to this wholly disappointing course of conduct that your organization is so willing to perpetuate. I will not accept any outcome other than equitable indemnification of the misappropriated funds, and I have no intention of departing from that righteous path. As such, it would behoove you to alert your supervisors of this steadfast dedication to what is right, and simply return the wrongfully stolen funds.
Product: Credit reporting or other personal consumer reports

I had applied for Solar Panels with XXXX XXXX XXXX which was approved on XX/XX/XXXX. However, there is a second hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX which results in an increase of the hard inquiries on my account. 

Same for XXXX there was one inquiry on XX/XX/XXXX and another one on XX/XX/XXXX. I only authorized 1 inquiry same for Credco. Inquiry date XX/XX/XXXX and another one on XX/XX/XXXX all the above are duplicated and have a negative impact on my inquiry count.
Product: Debt collection

For the past 6 weeks or so, Ive been applying to rental properties in preparation for my upcoming move. I have submitted applications to several properties recently and discovered that I have ( 4+ ) fraudulent, inaccurate, unverifiable, medical hard inquiry errors that I do not recognize. 

A medical debt collector agency named ( Design Receivable Solutions ) wronfully reported a medical hard inquiry that has been on my credit report since XX/XX/XXXX. 

The debt collection agency Designed Receivable Solutions. Took over the following debts from XXXX XXXX XXXX for - {$4700.00} -- another is for {$250.00} - - another for {$84.00} and another for {$59.00}. According to this medical debt collection agency 's website, they are based in XXXX XXXX, but have a location in XXXX California as well. 

I have absolutely NOTHING to do with this debt, the collection agency inaccurately reported hard inquiries on my credit report, it says that these charges were from visits to XXXX XXXX XXXX from XX/XX/XXXX. 

In XX/XX/XXXX, I was in XXXX Alaska. I also have proof to discredit their claim as evidence, such as : 1. ) A police report. 
2. ) FTC Consumer Fraud report. 
3. ) Consumer Financial Protection Bureau ( CFPB ) Complaint. 
4. ) Airline tickets. 
5. ) California State Attorney General report & Complaint. 

I have uploaded the police report and other Government agency documents with this FTC Consumer Fraud report. 

This incident has seriously affected my credit score, I am formally requesting that the medical debt collection agency ( Designed Receivable Collections ) ( XXXX ) ( XXXX ) and ( XXXX ) provide proof of my signature for repayment and provide proof of my authorizing the furnisher and the ( 3 ) credit bureaus access to my credit report. 

I am requesting you promptly rescind all such account information furnished to ( Designed Receivable Solutions ) and require them to purge their records of all reference to this account, and that you ensure that any and all reporting from this account is immediately deleted from my credit reports. 

Please respond in writing within 10 days acknowledging that you are processing this request. 

I am also reserving the right to take appropriate legal action and civil action including reporting to any applicable regulatory authorities. 

Any lack of cooperation or compliance with this request will result in a lawsuit against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I caught a XXXX for a ride. I lost my cc with XXXX so i called an reported that i lost it. 2 hours later i got a call informing me that i left my cc and DL inside of the XXXX. Unfortunately, I had already reported it lost. A new card was issued to me 10 days later XX/XX/XXXX. Balance transferred to new card and account number. After fighting to explain this to XXXX and Transunion for over 2 years now, it appears that my disputes went uninvestigated. Resulting in a decision of meets FCRA requirements. 
This account was Open XX/XX/XXXX ; 4 months later, it was closed due to the lost cc. A new card was issued with a new account number ending in XXXX. I have 7 missed payments on the account ending in XXXX which is correct. But the old/closed account is also reporting missed payments through XXXX but it was closed. I only have 1 acct with XXXX and the bureaus should only be reporting on 1 account which is the open account ending in XXXX. This is causing duplicate missed payments on both account when i only missed payments on the new account ending in XXXX. This ongoing year problem has been causing a lot of financial stress when trying to obtain assistance during this pandemic. 

Transunion : Reporting the same account as opening in XX/XX/XXXX but have 8 missed payments on a closed account since XX/XX/XXXX and this account wasn't even open XX/XX/XXXX. This account was opened on XX/XX/XXXX. I am livid with this process and i am tired of disputing the same problem with these bureaus over and over and each one comes back meets FCRA requirements and i would like for you to explain to me how is this possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent XXXX and XXXX several dispute letters to have these hard inquiries removed from my credit report, I have not authorized these inquiries with my written consent, Section 604 15 U.S.C. 1681B
Product: Credit reporting, credit repair services, or other personal consumer reports

These addresses should not be reporting to my credit report as this is inaccurate information and I have requested this information to be removed 90 days ago. 



XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my reports and saw that my address in all XXXX were incorrect. I would like my address be updated on file. Kindly change it to my current address this is my current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been unable to get a response from XXXX XXXX XXXX and per the Cardmember agreement on customerfinance.gov, the next step is to start an Arbitration so I can be heard. I previously sent a request to remove a 30-day late payment on my credit report from XX/XX/XXXX. The late payment was not removed and I was advised to mail any supporting documents I may have to Barclays if additional assistance was needed. I have since sent a letter to Barclays in XX/XX/XXXX showing that I had enough money to make the payments and I was unable to do so as I was dealing with the death of my Grandmother, I was away and was in an area that was affected by a natural disaster. I never received a response to my mail. I have also sent 3 emails to XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX but never received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021 XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2900.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX Date of Birth : XX/XX/XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of XXXX, so I do not need Equifax to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX or XXXX XXXX  if the consumer has provided documentation of trafficking to the agency. I have attached a documentation of my self attestation to you Equifax. 
Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was paid off in XXXX of 2023 but was recently reported to Experian, XXXX, and XXXX as open. Please update the status to show paid in full.
Product: Debt collection

I had an end of auto lease obligation to pay XXXX XXXX XXXX XXXX back in XXXX 2015. I contacted XXXX via mail and let them know I was out of work and I could pay small monthly payments until the account was paid in full. Without waiting for a response I started paying XXXX {$25.00} a month, sometimes more if I could afford it. They took my payments and applied them towards my account reducing the principal ( {$1000.00} ) and sent me updated statements with the remaining balance. Yesterday, XXXX XXXX, 2015, I received a letter from Vital Recovery Services LLC, a debt collection agency that required a payment for the alleged debt I owed XXXX. The principal amount was also wrong. Obviously, despite the fact that I keep making monthly payments that I can barely afford, XXXX XXXX XXXX XXXX hired a collection agency while at the same time taking payments from me. This is not a legal action. They can not sell the account to collection agency when I keep making payments and they take my payments. My account is not in default. This will hurt my credit that I am trying to revive while I am looking for a job. XXXX refuses to work with me on this for whatever reasons. I will not pay the full amount to the collection agency because I can not. It is in XXXX best interest to take my monthly payments and get it over with rather than losing the entire money because of poor company practice of handling debt. I know I have a responsibility to pay, and I am very willing to pay it off, but I can not be put under pressure to do so when I am working very hard to maintain monthly payments and find a job so I could pay it off at once and never deal with XXXX again. XXXX of companies work with you on this, they assist you with monthly payments ; however, XXXX does n't train its associates to work with people who have financial hardship and need assistance. Please help me with this issue.
Product: Credit reporting

I would like this charge removed from my credit reports because it has been changed over from XXXX to XXXX XXXX XXXX. This is hurting my credit report as I am trying to purchase a home.
Product: Credit reporting or other personal consumer reports

Spoke to both XXXX and Bank of America on XX/XX/XXXX. Indicated that this was not a valid hard inquiry because I did not request the account. I have since frozen all credit accounts, but since there is a hard inquiry that I did not authorize, the freeze will not apply to Bank of America as an " existing relationship ''. 

I requested that the inquiry be marked as attempted fraud, removed from my credit report and that all relationship between Bank of America be deleted so that it could not re-access my report without permission. The rep indicated that this would be complete within 5 business days. This has still not been completed, which puts me at continued risk of fraud, even with the frozen account. 

XXXX also indicated that they would document the issue and await further instruction from Bank of America, but neither has done their job and the issue appears to be left on my report.
Product: Mortgage

To login to Dovenmuehle bank in order to pay my mortgage I put in my registration information.They required new registration in XXXX XXXX XXXX 2015 I re-registered.XXXX when I went to login their system said I need to register.When I try to register the system says I already have an account and am registered.I was locked out and could not pay.I called and spoke to XXXX and she said to speak to their Web support { XXXX 2015 } .The Web support representative could not help me.I sent them e-mails and finally had to pay by using XXXX for an additional {$9.00} on XXXX XXXX 2015.Here it is XXXX XXXX and i am still locked out!! I will call again tomorrow to try to pay but I do n't feel I should have to pay extra to XXXX XXXX just because they ca n't help fix the problem.Any Help what be much appreciated. XXXX XXXX XXXX
Product: Credit card

On XX/XX/XXXX I purchased online XXXX XXXX of Best Buy XXXX order # XXXX Amount {$180.00}. I was told to expect delivery on XXXX. Then I received a text saying that it was coming earlier on XXXX. Then I received a text saying that it would be delivered XX/XX/XXXX. On XX/XX/XXXX, nothing came so I called Best Buy customer support, who gave me a XXXX  XXXX number to call- and that was wrong. It was supposed to be delivered by XXXX. I called them and they told me that they did not have a record of the order. So I called Best Buy back and asked them to please cancel the order. The agent said they could deliver by XX/XX/XXXX and I said no. I want a refund and cancel the order. He said ok. you should receive a credit in about XXXX to XXXX  days. I have not. So I wrote to XXXX XXXX XXXX and they said that they would investigate. It is not almost 30 days since I canceled the order and XXXX XXXX XXXX have not sent XXXX word or anything other than that they are investigating. How hard can it be to track the order and verify that it was never delivered. I bought a cheaper microwave from XXXX.
Product: Bank account or service

To whom it may concern, I have been a loyal customer at Wells Fargo since XX/XX/XXXX. On XXXX XXXX, XXXX, I deposited a personal check from my wife 's account in the amount of {$1200.00}. The receipt provided stated that {$400.00} would be released immediately and the remainder on XX/XX/XXXX. With that information in mind I proceeded to write out checks. When I checked my account on XX/XX/XXXX not only was the money not available, my account was negative which is a first for me. Instead of contacting me, the XXXX, NY branch withdrew the funds which put us in a panic. I contacted the customer service department who told me that there was a signature irregularity. Being that my wife was a XXXX for XXXX years I immediately contacted her. She in turn contacted her Credit Union which informed her that they were never contacted regarding a signature verification. With that in mind we called customer service back and asked to speak to a supervisor. The representative connected us to XXXX XXXX whom I believe works out of the Minnesota call center. She did not see any notes about a signature discrepancy and could not understand why there was a hard hold on this check. She then connected us to the corporate office and we spoke to XXXX. Unfortunately I do not recall her last name. She assured me that this issue would be taken care of immediately and that she would get back to me first thing in the morning which would have been today. I never heard back from her and when trying to reach her I was unable. 

In the meantime my wife logged into her online banking account and noticed that check # XXXX in the amount of XXXX already cleared her account. While thinking about placing a stop payment on this check she was now unable to. 

Knowing the check cleared her account we decided to go into the XXXX, NY branch which is located on XXXX XXXX ( zip XXXX ) which is where we deposited the check to begin with. We talked to the branch manager XXXX. He also could not understand why the check was n't released. We showed him a copy of the check clearing my wife 's account. He called several individuals XXXX being the deposit operations department and the other being his district manager. None of these parties were willing to assist us. We then spoke to a XXXX XXXX and XXXX XXXX who stated they were from the executive office. Both talked down to us and when I asked why my check was being held his answer was " I 'm sorry I ca n't help you '' this was said to me several times. At one point XXXX XXXX from the executive branch said that the Branch Manager ( XXXX ) had the authority to clear this. When contacted, XXXX said that only the corporate-executive branch has that authority. 

Wells Fargo has displayed immoral and unethical practices in this matter. I regret that the matter had to go to this extreme. It is really sad when a corporation of this size and stature resorts to such illegal actions. 
Thank you!
Product: Debt collection

I am being sued by a lawfirm in WI for a very old debt that is no longer in my credit reports. It was cleared many years ago. This account was paid and cleared from all credit reports. 

Ive received many unknown phone calls with silence at the other end. I do not know who is calling me, but I receive multiple calls per day every day for years now. 

I have received over the years since this account was closed from all of my credit reports, debt collection notices from a company named XXXX XXXX XXXX. on this one account. 

As of XXXX XXXX, I received in the mail a new letter from a law firm representing XXXX XXXX XXXX. The law firms name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WI XXXX. They are requesting XXXX for my person with respect to a debt that closed many years ago from my credit reports of which I have no information on. 

The original creditor : Citibank ( XXXX XXXX ) Account No. : ( Listed in Attachments ). 
Their Case Number : ( Listed in Attachments ). 

Their Account Balance : {$690.00} This law firm has filed a case in the ( Listed in Attachments ) -District Court, dated XX/XX/year> Docket No. : ( Listed in attachments ). 

Request for Production of Documents filed in court. This law firm is illegally filing on an account that closed many years ago representing what is a debt collection company, and this account is not in any of credit reports. This is illegal. This law firm needs to be reprimanded for such illegality. The statute of limitations is 6 years ( CH. 260 Section 2 ) in Massachusetts.
Product: Debt collection

Received information about a debt owed from collection company that was purchased from original creditor, 2 years after debt was aged.
Product: Credit card

CITI bank notified me on XX/XX/XXXX via email that my credit limit decreased due to a lower XXXX  score. In XX/XX/XXXX, my credit card limit was {$13000.00}, with {$1400.00} available credit. In XX/XX/XXXX, the credit limit was reduced to {$11000.00}, with {$81.00} available credit. The decrease in the credit limit will now put me over the credit card limit when the interest is applied monthly. 

I spoke with several customer service reps on XX/XX/XXXX, that the decrease in credit limit would cause me to be over the credit limit when interest is applied. Despite being a customer since XXXX with a clean payment record, CITI offered no solution to me except to pay an extra $ 150 monthly to avoid exceeding the credit card limit, causing undue financial strain and harming my credit.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My US Bank Account Credit Card and Line of Credit was hacked after 2 Plus Years of no Late Payments - I immediately reported it to US Bank with no assistance to date.