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

AS I EXPLAINED IN COMPLAINT # XXXX AND COMPLAINT XXXX. I MAILED IN A DISPUTE VIA CERTIFIED MAIL THAT WAS DATED XX/XX/2020, ( MAIL VIA CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX. This certified mail was received, signed for, and delivered into Experian possession on XX/XX/2020, as recorded and detail by the U.S. Postal Service. AFTER BEING RECEIVED BY EXPERIAN THEY FAIL TO START A INVESTIGATION AND AS OF THE XXXX DAY, THEY WERE IN VIOLATION OF THE FCRA SEC. 611 ( A ) ( 1 ). LET 'S BE CLEAR THIS CAN BE PROVEN BY MY RECORDS AND THE U.S. POSTAL SERVICE 'S RECORDS. IN WHICH I WILL SEEK DAMAGES FOR IN A COURT OF LAW FOR EACH PERSONAL INFO ITEM THAT WAS NOT INVESTIGATED. SO TO EXPERIAN 'S LAST RESPONSE TO CFPB COMPLAINT # XXXX MY DISPUTE DID NOT REQUIRED FOR YOU TO INFORM ME ON HOW YOU STORE INFORMATION GIVEN TO YOU BY A CREDITOR. I SPECIFICALLY SUPPLIED YOU WITH A COPY OF MY STATE DRIVER 'S LICENSE, SOCIAL SECURITY CARD AND CURRENT UTILITY BILL. PROVEN MY IDENTITY AND INFORMED YOU THAT I GO BY NO OTHER NAMES. YET INSTILL YOU FAIL TO LAUNCH AN INVESTIGATION AND VERIFY THE INFORMATION YOU WERE BEING TOLD AND REVIEWING THE PROOF OF THE CREDITOR 'S CLAIM. I WILL SEE YOU IN COURT FOR THE VIOLATION LISTED ABOVE. I WILL BE SEEKING DAMAGES FOR YOUR WILLFUL AND NEGLIGENT REPORTING THAT IS CAUSING ME HARM TO MY FINANCIAL WELL BEING
Product: Checking or savings account

I received a phone call from a USAA number claiming someone hacked into my account. They already had all of my information. They claimed someone was trying to make XXXX payments. They attempted over XXXX transactions all but XXXX were blocked. The XXXX XXXX was for {$990.00} on XXXX XXXX. The XXXX  was the same amount on XXXX XXXX. I called USAA on the evening of XXXX XXXX because my card was denied while buying groceries. They claimed they saw the activity and already had a fraud investigation started. I was adamant about them putting a block on my account and they assured me no further money would be taken out. Today, XXXX XXXX was the XXXX  transaction that went through. Again, plenty more transactions were attempted. I called again and they opened another claim. They were denied. But they did not provide reasons why. I am out {$2000.00} because someone had all my information and pretended to be from USAA. USAA takes no fault even though they confirmed they put a block on my account after the first XXXX.
Product: Debt collection

I am writing to address an issue with my Capital One credit card account ending in XXXX, opened on XX/XX/XXXX. Despite the account being closed on XX/XX/XXXX with a balance of {$0.00}, it continues to negatively impact my credit score, listed with a derogatory status. 

I made my last payment on XX/XX/XXXX and have been responsible for this account as an individual. I am unsure why the account is still reported with a derogatory status, as the balance has been fully paid off and closed for over a year.

I kindly request that this matter be reviewed and that the status of the account be updated to reflect its closure and {$0.00} balance so it no longer affects my credit score.

Thank you for your attention to this matter.
Product: Checking or savings account

I deposited a check in the amount of XXXX yesterday in the drive thru. I gave the teller the check and a deposit slip. I was given a deposit slip receipt. The XXXX was NOT put into my account and MY account was DEBITED XXXX. I was told the problem was a teller mistake and would be corrected by XXXX XXXX. My account has not been credited in any way. I have spoke with the branch manager who states there is nothing she can do except create a ticket. I feel the bank should at least credit my account for the withdrawal that I did not give permission for.
Product: Debt collection

To Whom this may concern, I have contacted all 3 credit agency about this account and ask that they valadate this account becouse I don't have a contract withis company and asked that it be deleted and they refuse to do it and it is in accurate and they keep saying it's accurate but will not send me a copy of a signed contract with my signature on it plase help me take care of this issue as soon as possiable. 
amout on this account is {$2000.00} I started contacting them about this account on XX/XX/2019 and with no removal yet, I asked that is accunt be removed for my account
Product: Credit reporting or other personal consumer reports

The info in this report is not true until proven otherwise. the pending case is inaccurately reflected, I request that you exclude the pending case from my future reports. understanding that this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my privacy rights are being violated.

Unless you can produce any proofs or evidence that support this please remove from report!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account and have reached out to Equifax MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Product: Debt collection

" If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication with the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX CARDS XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against : Exeter Finance ( Account # XXXX ) who has violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report, which has resulted in a high-interest auto loan and repeated denials for additional credit. 
Additionally, Exeter XXXX failed to provide a risk-based pricing notification as required by law. I also believe the lender took advantage of my situation as a XXXX woman and XXXX  mother who desperately needed a vehicle. 

Upon reviewing my XXXX credit reports, I discovered inaccurate information that negatively affects my credit score and overall creditworthiness. Specifically : INNACURATE INFORMATION : - Payment History is INACCURATE. Lender has applied and reversed numerous fees that make it difficult to understand account ledger and determine what has been paid, when it was paid or what is owed. 

VIOLATION of FCRA PROVISIONS : - Adverse Action Notifications ( 15 U.S.C. 1681m ) : The lender failed to provide a risk-based pricing notification as required, informing me that I was being offered less favorable terms due to information in my credit report. 
- Accuracy of Information ( 15 U.S.C. 1681e ( b ) ) : The credit reporting agency has failed to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. 
- Consumers Right to Dispute Information ( 15 U.S.C. 1681i ) : Despite disputing the inaccurate information with the credit reporting agencies, the errors remain uncorrected. 
- Obligations of Furnishers ( 15 U.S.C. 1681s-2 ) : The furnishers of the inaccurate information have failed to correct the errors even after being notified. 

IMPACT on My FINANCIAL SITUATION : I received a high-interest auto loan from Exeter Finance with an annual percentage rate ( XXXX ) of 28 % without an explanation for the high interest rate. Additionally, I have been denied a new car loan by XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX on multiple occasions due to the negative information placed on my credit report by this creditor. Furthermore, the car I purchased from this lender in XXXX is now worth less than 50 % of the balance of the loan, making it impossible to trade it for a new car or obtain a new loan. 

CONCERN REGARDING UNFAIR TREATMENT : I believe Exeter Finance  took advantage of my status as a XXXX woman and a XXXX mother who desperately needed a vehicle. This unfair treatment has compounded the financial difficulties I face. 

REQUESTED RESOLUTION : - Delete account from all XXXX credit bureaus immediately. 


Thank you for your attention to this matter. I look forward to your prompt resolution of my complaint. 

XXXX
Product: Debt collection

Midland Credit Management has repeatedly contacted me for over a year in regards to several accounts in which I do not know about. Ive received several notices in the mail with my name on them, but that I have no knowledge of. They have not provided me with copies of a signed agreement between me and Midland Credit Management to use my name or social security number to pay them this money they are requesting. They are threatening to sue me for these accounts. They are harassing me and attempting to extradite me for money that I do not owe them. They have reported these debts to credit reporting agencies. Midland Credit Management has broken my consumer rights under the fair debt collection act.
Product: Credit reporting or other personal consumer reports

on XX/XX/24 a letter was sent to equifax advising there was incorrect information reporting to my credit about a few collection accounts and they have yet to respond and correct the issue
Product: Debt collection

Aldridge, Pite, Haan, L.L.P. Purchased my debt from XXXX XXXX  on an account originally held by XXXX XXXX. I started communications with them in XX/XX/XXXX. I arranged with one of their representatives, XXXX XXXX, on XX/XX/XXXX and arranged to make a down payment of {$580.00} on XX/XX/XXXX, then monthly payments of {$220.00} on the XXXX of each month until the debt is satisfied. AHP, LLP has deducted the down payment and each monthly payment since that arrangement was made. I have not defaulted and am current on our arranged payment schedule. 

On XX/XX/XXXX I was served a civil action for the full amount originally due. The lawsuit was filed on XX/XX/XXXX, after I had arranged a payment plan. 

I have called AHP three times since I was served. I have left messages regarding the lawsuit. I was told by AHP, representative, XXXX XXXX, that XXXX XXXX has to contact me before they can do anything. That was on XX/XX/XXXX. It is now XX/XX/XXXX. 

I feel that AHP is harassing me and violating the Fair Debt Collection Act by arranging a settlement then suing me for the full amount.
Product: Credit card or prepaid card

I have a monthly recurring charge for {$54.00} for five months now from Google that I never authorized. I have never signed up for anything with google for this amount. I called my credit Card company XXXX XXXX and they said to take it up with Google. I went to call Google which they had no contacts for me to call them. So I did the complaint online like they asked. I could only go back for the last four months. I did the fifth one as a more recent date. My XXXX email received an email from Google regarding they received all my complaints. But when I go online to see the status, Google says completed yet I never received any other Emails or call from them regarding the charges. Please have Google remove all charges {$54.00} for five months that were never authorized by me. Also how did they get My Credit Card number? I never called Google for anything. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX illegally ran my credit on XX/XX/2018. My credit bureau file is showing this as a hard inquiry. I have never applied at XXXX XXXX   XXXX. In accordance with the FCRA, I respectfully ask you to investigate my claim and remove the inquiries with all Credit Reporting Agencies. I've called the company numerous times and keep getting the run around stating there is no account opened but they haven't done anything to resolve the issue of running my credit without my permission. This illegal credit inquiry has caused my credit score to go down. Please kindly resolve this issue by doing whats right and removing the credit inquiry or suppressing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items on my credit report due to they are inaccurate and unverifiable. The credit companies XXXX, Experian, and XXXX has not fixed the problem despite the evidence that has been sent via certified mail. According to the FCRA they are required under to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there investigations and reinvestigations they stated in writing that they verified that these items are being reported correctly. Who verified these accounts? How did they verify these accounts? FCRA states that information has to be 100 % accurate which clearly it is not! They have NOT provided me a copy of ANY original documentation aka contract with my signature on it after asking them several times now! FCRA states under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that they have to provide me with it if I request it which they haven't. Next they have failed to provide the method of verification they used as required under Section 611 ( a ) ( 7 ). These are the FCRA rules not mine so why aren't they following them? Lastly, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. Which they have not done either, again why aren't they following the rules? Why do we have these rules if they aren't enforced or followed?
Product: Credit reporting or other personal consumer reports

To whom it may concern, I, XXXX XXXX, never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXX. XXXX. XXXX XXXX XXXX, Acct # XXXX Sincerely, XXXX XXXX
Product: Debt collection

I receive phone calls from Jefferson Capital Systems LLC on a weekly basis for someone named XXXX XXXX. I have had this number since 2013. This started about 5 years ago and has not stopped. I am not XXXX XXXX nor do I know her. Every time I answer the phone and ask to be removed or tell them they have the wrong number, the caller just hangs up in my face and continues to call. This time I told the caller who identified themself as XXXX that I was XXXX XXXX and XXXXXXXX XXXX XXXX by the way, just to keep XXXX on the phone long enough to get her information. She stated she was trying to collect a debt for a credit card on behalf of Jefferson Capital Systems LLC and her contact number is XXXX. Once I got the information then I explained to her that I was not XXXX XXXX and that for years this company has been calling my phone harassing me and that I would be reporting them. XXXX began yelling at me as if I did something wrong and telling me that it is a robocall that she did not dial my number. I want them to stop calling me please.
Product: Checking or savings account

In XXXX  XXXX, My new set of ordered checks got stolen. As a result, there were fraudulent check written out. On XX/XX/XXXX check # XXXX, amount of {$800.00}. On XX/XX/XXXX check # XXXX, amount of XXXX. On XX/XX/XXXX check # XXXX, {$1200.00}. On XX/XX/XXXX, check # XXXX, {$900.00}. On XX/XX/XXXX, check # XXXX, {$3400.00}. On XXXX, check # XXXX, {$3500.00}. I have contacted my bank multiple times in the past, only answers are working on it. It have been almost a year now. My claim ID # is XXXX.
Product: Credit card

I am writing to formally lodge a complaint regarding a promotional offer that was presented to me when applying for the XXXX American Express Credit Card. Despite fulfilling the terms of the offer, I have yet to receive the promised {$500.00} statement credit, and I have been continuously redirected between American Express and XXXX without resolution. 

In XXXX, while booking a flight, I was prompted with an offer to apply for the XXXX Amex Credit Card, which explicitly stated that if approved, I would receive XXXX miles and a {$500.00} statement credit applied to my flight. To ensure the accuracy of this promotion, I chatted with a XXXX representative, who confirmed in writing that I would receive the {$500.00} credit ( screenshot of the conversation is attached ). Based on this assurance, I proceeded with the application and was approved for the card. 

Months have passed, and I have yet to receive the credit. When I initially contacted XXXX, they directed me to American Express, claiming it was XXXX responsibility. When I reached out to American Express in XXXX, I was told that the credit would be applied to the statement closing on XX/XX/XXXX. To verify, I called American Express again on XX/XX/XXXX and spoke with a representative named XXXX, who assured me that he saw the credit noted on my account and that I would receive it once the statement closed. He advised me to wait XXXX hours and call back if it was not applied. 

After waiting the specified time, I contacted American Express again, only to be informed that there was no record of the credit on my account and that I needed to contact XXXX for assistance. This constant back-and-forth between XXXX and American Express is unacceptable XXXX I applied for this credit card solely because of the advertised offer, and I have fulfilled all the necessary requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid {$15.00} for a certified letter to Trans Union containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Trans Union. 
On XX/XX/XXXX I received a notification that the fraudulent account was removed successfully from my Trans Union credit report. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website to refresh all three credit reports to review. I noticed that said fraudulent account has been put back on my credit report with Trans Union since the credit monitoring website I once used was Credit Check Total and it is now under XXXX. According to The Fair Credit Reporting Act, Section 611,  the respective credit bureau has 30 days to investigate and remove the fraudulent account and not put it back on the consumers credit report.
Product: Checking or savings account

I transfer assets from XXXX and XXXX and they are refusing to allow to me whithdraw or make trade in the account and they have frozen each assets
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( An Original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Name of Account : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.