23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chagreoff XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$450.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously tried to get Dyck O'Neal to correct their improper reporting on my credit reports. This last time they finally listed the original creditor which proves they are indeed a collections account. Yet they are not listed on my report as a collections account but rather as an open loan. So this makes my account look like I haven't made payments on a recent loan these past 120-149 days. The first deliquency was XX/XX/2016. This is basically termed, 'parking a debt ' to make it appear newer than it really is and is thus illegal. I have told them I am willing to pay the debt provided they furnish me a true validation that they own the debt ( not just them saying so and not a contract with the XXXX or bill, but a purchase agreement between them and the XXXX  or a simple letter from the XXXX on XXXX company letterhead ) AND they correct the illegal parking tactic reporting they put in my report. Just correct what is wrong. That's it. No deleting, just accuracy. I even asked if I could disputed the inaccuracy and they just not reply, because they are wrong, but they declined stating they must accurately report to the agencies by law, though they are inaccurately doing so. I'm running out of available options and feel that the company 's tactics infringe on my rights.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$3100.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$970.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$150.00}, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$140.00}, XXXX XXXX XXXXAccount # XXXX date opened XX/XX/XXXX bal. {$130.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$51.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

The company refused to pay me the cash back of {$17.00} after they told me it would be applied. I made a purchase of {$19.00} then paid {$2.00} to cover the difference. Now they claim I'm not getting the cash back and I owe them {$17.00}.
Product: Credit card

XX/XX/XXXX I have noticed my wallet was missing. I filed it with XXXX airport authority department as soon as I've noticed. See screenshots attached with this complaint. 

XX/XX/XXXX I have reported my card was stolen/lost at XXXX airport . I have filed with Venmo as soon as we have landed. Because of the area I was not allowed to make calls on my regular phone calls. 

ALL Charges starting on XX/XX/XXXX listed below are fraudulent charges and should've been flagged as fraud. I have reports attached for review. It was reported to the appropriate departments at XXXX airport, XXXX, Florida. Charges below are not made by me or anyone I know. I have lost my physical card and do not have access to it. Any charges incurred under this card after the date of are on the virtual card and they were recurring subscription charges from the previous card number. 

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$75.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$87.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$100.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  {$37.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$37.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$15.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$15.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$15.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$100.00} Total {$3300.00} In the statement PDF those charges in questions are also highlighted incase you need a reference.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian regarding my inability to access my free credit report and online credit monitoring services. According to the Fair Credit Reporting Act, I am entitled to a free credit report annually from each of the three major credit reporting agencies, including Experian. However, despite multiple attempts to access my report through your website and the monitoring services, I have been unable to do so. 

Since XX/XX/year>, I have tried multiple times to log into my account to view my score but received error messages stating " Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. '' I have not been able to regain access to the credit report or monitoring services. This is causing my Experian score to show XXXX points lower than my other scores. 

I have attempted to resolve this issue by contacting Experian customer service. Despite my efforts, I have not received a satisfactory resolution, nor have I been provided with a clear explanation as to why I can not access my services. 

I am seeking immediate access to my free credit report and online credit monitoring services as entitled under the law. Additionally, I would like a thorough explanation of why I was unable to access these services, as well as assurance that this issue will not persist in the future. 

Thank you for your attention to this issue. I hope to receive a prompt resolution.
Product: Debt collection

XX/XX/2021 age of account a year and four months from speedy cash can debt collectors have been contacting me they woke me up while I was sleeping they call me at night time when I was trying to put my little girl to bed and they keep harassing me about money from four years ago or more Also the time that they said I had the loan I was incarcerated And theyre saying that it was a year and four months ago which is IncorrectAnd they put the account with the negative pay status and its messing with my credit that Im working so hard trying to build up so I can be able to afford a better place for My little girl and I to move to
Product: Credit card or prepaid card

I have two accounts one ending in XXXX the other one ending in XXXX. I received pretty much identical letters today stating that you have reduced my credit limit. And Im not talking about just reducing it a little bit. For example the card ending in XXXX you went from {$11000.00} down to {$300.00}. Some of your reasonings are that I have a late payment I have just looked at all three of my credit reports. I dont know what youre talking about. Could you please show me where youre finding this late payment because I cant find it. I scoured every single credit report and can not find where Ive ever missed a payment anywhere ever. I think you tell me that payment to low relative to balance on Wells Fargo credit card last six months I have a XXXX balance what are you talking about so you lowered my credit limit because I have a XXXX balance. Please explain yourself in detail and in writing, and because your reasonings dont add up, they just arent truthful. Youve also listed that I near my credit limit on other cards. I looked, and I will admit theres two cards that are I guess you could consider relatively close to the credit limit theres still thousands left but were getting close to that I guess, but I also havent made a payment this month yet either. So obviously, those balance will decrease the rest of the cards. Do not have that large balance. A lot of them have a XXXX balance just like my Wells Fargo card ending in XXXX the other credit card ending in XXXX. You pretty much used all the exact same excuses. The only difference here is that I do have a {$400.00} balance on the card {$400.00} has literally been on the card for less than a month. How can you determine how much Im going to pay or how quickly Im gon na pay that {$400.00} off if we literally the balance has been there for less than a month.
Product: Debt collection

A new debt popped up on my credit report listed for XXXX XXXX for XXXX XXXX for {$140.00}, an electric bill from the state of Michigan. It was listed as the debt collector being XXXX XXXX XXXX. I called XXXX on XXXX to get a copy of the original bill but it was from XXXX and they did n't have record of it once it was sold to XXXX XXXX in XXXX XXXX, I was told to contact them. I called XXXX XXXX on XXXX and was referred to XXXX XXXX XXXX at ( XXXX ) XXXX, apparently they were handling the collection for XXXX XXXX. I contacted total card inc on XXXX and told them I have never received anything from them about the debt. I also informed them that they placed the debt as being from XXXX XXXX when I have n't lived in Michigan in at least 5 years. The representative from XXXX XXXX XXXX  told me that she would not send me the original bill, she would only send me their company invoice which would just state how much I owe them, not the original debt date. I told her I had contacted XXXX and that the original debt date was XXXX, charged of XXXX XXXX. The representative from total card inc then told me that they would put the correct dates of the debt on my credit report only if I paid them the {$140.00}. To my knowledge I thought this was illegal. The representative told me I could email XXXXXXXXXXXX for a validation of the debt but since XXXX XXXX XXXX bought the debt there 's no guarantee I 'll receive the original bill and to just pay it so it reflects correctly. I want the correct dates of this debt and I believe I am owed the original bill with the correct dates of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to XXXX, TransUnion, and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any item 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 XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference XXXX : XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/2019 I reached out to Loan Star Title Loan to request and a final payment agreement, and the manager explain that they would agree to wouldn't negotiate with me paying the money I borrow. They would like for me to bring into the office {$750.00} toward the loan and for me to continue with monthly payments. I've reached out on several occasion hopeful that they will agree to allow me to pay what I borrow. In regards of this matter. I reached out to thirds parties to see if I could receive help, only to find myself of having my propert destroyed do to towing companies, vandalised my lawn and flowers. XXXX Police has came out on several occasion for their hired towing companies making verbal threats. I have proof if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Transunion investigate a Bankruptcy on my credit report. I opened the request on XX/XX/22 and they completed their investigation on XX/XX/22 without providing an explanation. I requested from the Bankruptcy court the procedure that they utilize to investigate issues on Bankruptcy filings and the court indicated to me that they do not provide information to the Credit Reporting Agencies. I then submitted a follow up letter including the letter from the court to Transunion asking the process that they follow to investigate Bankruptcy information, but I have not received any additional follow-up letters.
Product: Debt collection

On XX/XX/18 XX/XX/18 and XX/XX/18 i requested by certified mail a validation of debt with a contract bearing my signature and stating who owns the debt from all 3 credit bureau and XXXX XXXX /Resurgent Capitol which is a collection agency. They continuously saying its verified but refused to produce the contract. Also I have no knowledge of this debt or the debt collector who claims I owe XXXX which shows several different amounts on some of my credit reports. I'm requesting that this debt be deleted from my credit report if the contract can not be produced bearing my signature.This is ( 1 ) Defamation ( 2 ) Negligent Enablement of Identity Fraud ( 3 ) Violations of the Fair Credit Report Act.
Product: Debt collection

I KEEP RECIEVEING HOSPITAL BILL FROM RANDOM HOSPITAL ABOUT BILLS I DID NOT THIS IS THE SAME PROBLEMS I HAVE BEEN HAVING I HAVE INSURANCE THIS IS NOT MY BILL
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves each of the three credit reporting agencies. I currently have three credit cards, listed on the attachment. XXXX XXXX has a credit line of {$6800.00} ; XXXX has a credit line of {$1800.00} and XXXX has a credit line of {$1000.00}. Each of these accounts is paid in full. On previous accounts when I have filed a complaint regarding the account, the credit bureau, instead of investigating the dispute, they have simply removed the account from my credit report which in turn adversely affects my credit score by lowering my available credit by {$9600.00}. This is neither ethical or fair. I have spoken with each of the creditors and have been assured the card is being reported to each of the three credit bureaus, but they are not being reported.
Product: Debt collection

I was checking my credit score and saw that it dropped. There was a collection notice on my credit report. I spoke with XXXX XXXX XXXXXXXX. They said it was from XXXX XXXX. XXXX had sent me a signal booster when the internet connection was spotty. I returned the equipment before closing the account. I also spoke to XXXX back in XX/XX/year>. They said they would remove the charge. Now I have a negative comment on my credit report for an item that I don't have. I asked for proof that I owed them and it wasn't received and that I authorized receiving equipment for return or to be billed for it. They did not have any records to share other than date it was sent to collection. I disputed it with XXXXXXXX XXXX XXXXXXXX and offered to pay with this dispute because I am not admitting fault but want it closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$500.00}, {$4000.00}, {$800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account.

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX   opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account.

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.

4. XXXX XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$800.00} -This is not my account.
Product: Payday loan, title loan, or personal loan

I got hacked I had two security breeches in XXXX they got my drivers license number my social my email password my address everything from the XXXXXXXX XXXX. Then I had another breech from an unknown breech. They took out an installment loan using my info and my fiancs info too he got hacked too and they combined the info and had the mailing address to my fiancs XXXX XXXX business store that is public and his email but it was only in my name and they also had his old cell number that wasnt even on then. It was an installment loan which I would never get I would never be that stupid.. The cash net USA just called me this week told me to make a police report within 7 days and get proof they sold it to collections XX/XX/XXXX thats when I found out about this its XXXX dollars in collections. Someone did this and its fraud and theft. I dont want this on my credit report they marked it as theft but they havent decided on the case yet but if I had to pay some money just to make not go on my credit on would because Im about to get a house and a car and even if they would prove that its fraud because the cash net USA loan had the bank account it was connected to it they wont give me the name on it so hopefully you can look into this and they transferred to XXXX XXXX to pick up the cash right away so hopefully they have the records. I have another loan that was taking out from XXXX but Ill make another complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have been trying to resolve this situation for the past three months and it has not been, successful. I have incorrect inquires on my XXXX credit report from date XX/XX/2021, XX/XX/2021 & XX/XX/2021. I made it clear to XXXX numerous times, send out three letters via certified mail, stating that I have not made any inquires on my credit report for the above date. I have been unsuccessful with getting a resolution for these unauthorized inquiries. 

I have two incorrect inquiries on my Experian credit report from XX/XX/2021. I have made numerous attempts by sending letters via certified mail to Experian to remove these inquiries from my credit report and it has been unsuccessful.
Product: Checking or savings account

I entered a wire transfer online with CitiBank to transfer from my savings into an investment account with another institution. After 24 hours the wire was not processed and CitiBank sent me an email that they needed more information. I called and was on the phone with an agent for nearly an hour while she attempted to get the wire " authorized ''. She eventually said that it was now under review and would take 12 to 24 hours. I spoke to a supervisor and he also was unable to expedite or provide any explanation. After 24 hours ( 2 full business days later ) and still no further explanation or completion of the wire, and now into a weekend, I cancelled the wire online. The balance in my account now shows fully available online, however the CitiBank online site will not let me transfer my funds either into another CitiBank account of my own ( Checking ) nor through any other means. I have never had a financial institution hold a wire let alone take more than an hour to process, nor have I ever experienced blatantly holding funds and not releasing them without any explanation.
Product: Vehicle loan or lease

This complaint is regarding Violation of verification and reporting of auto loan from XXXX XXXX XXXX. Negative items ( auto loan ) on my credit report ( s ), where I personally contacted the creditor and they could not locate any accounts under my name. I was also informed by them that that they do not verify or provide information to the to 3 party credit reporting agencies. How is it possible XXXX, XXXX, and Equifax are reporting a negative auto loan also reports as joint account? Your assistance is greatly appreciated. 
Out 3 CRA only Equifax is the one that is reporting account of joint auto loan outdated SINCE 2015, not my account/ never had auto loand with XXXX XXXX XXXX incorrect " PACER '' data and violates FCRA provision 605,607,611 and 623a I have also submitted a complaint with Federal Trade Commission and forwarded this information to my attorney to file a lawsuit against Equifax for reporting wrong information and damaging my credit rating.
Product: Credit card or prepaid card

I paid on time but youre listing me as late you need to update to paid as agreed. Please send me the docs that prove that I was ever late. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX/XXXX/XXXX  30/60/90 PAYMENT LATE??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled personal information about me and 134 Million other Americans. Now, in order to protect ourselves, we 're forced to pay these credit score firms to freeze our credit. This should not cost any money to us, the victims. They make money off of our information and when they risk our financial safety, we have to do all the work and pay them. This is absurd!
Product: Debt collection

XXXX XXXX XXXX states I owe XXXX $ on a XXXX XXXX contract that I have never had. I have tried to reach out to this company on several occasions and ask for verification of debt but they would never provide any information, they only want payment or threaten to involve lawyers in which I quickly tell them to do so. I have been a XXXX XXXX subscriber for 11 years and my bill has never been behind nor have I ever been associated with any phone numbers other than the XXXX I have.