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

On XX/XX/XXXX, I used XXXX by XXXX XXXX to routinely pull 3-bureau credit reports. After generating this, I found that XXXX XXXX seemingly had put my account into collection status with XXXX and XXXX. The trouble is that this is not true at all since I have never once been late with a payment since XXXX -- - nearly XXXX years ago. 

I called XXXX XXXX which gave me the royal runaround on XX/XX/XXXX and again on XX/XX/XXXX. I then called XXXX by XXXX XXXX in the afternoon of XX/XX/XXXX to inquire about all this. 

I was informed by XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX that they could find no evidence that my account was ever in collection status. Then XXXX by XXXX XXXX on XX/XX/XXXX acknowledged that their systems were faulty and due to some nebulous programming error on their end giving consumers incorrect information. In fact, they said I was not the first consumer to report this issue. Further, they had no idea when it would be fixed. 

I let both entities know I would be reporting this to the CFPB this evening. My request is that the CFPB investigate this matter for me and any similarly situated consumer who may complain. I request that you impose civil monetary penalties against both XXXX XXXX and XXXX by XXXX XXXX for every affected consumer. I also ask that the CFPB issue orders compelling both XXXX XXXX and CreditSecure by XXXX XXXX to fix the issue on behalf of all affected consumers without undue delay. 

Please see the attached files for details.
Product: Credit reporting

I sent multiple letters to EXPERIAN disputing the credit reporting on the following items on XXXX XXXX, 2016 which they received on XXXX XXXX, 2016 ( USPS TRACKING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) : XXXX - XXXX 90 LATE PAYMENT STATUSES IN XXXX AND XXXX on all XXXX accounts with XXXX. 
XXXX - XXXX 30 DAY LATE PAYMENT STATUSES IN XXXX AND XXXX XXXX - THAT I OWE {$840.00} AND THE ACCOUNT WAS CHARGED OFF. 
XXXX - I HAD A 30 DAY LATE PAYMENT ON XXXX XXXX XXXX - THAT I AM 150 DAYS PAST DUE AND OWE {$7000.00}. 
In the letters I asked them to " Please validate this information with the creditors and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that the 30 day late payment be immediately deleted from the credit file you maintain under my Social Security number. '' They did not respond back with in the 30 days with any viable proof bearing my signature. When I call them they tell me they ca n't do anything. I have dealt with the creditors and they tell me to talk to the credit bureaus, and when I call the credit bureaus and they tell me to call the creditors. It is a never ending circle.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  XXXX XXXX account that appears on my credit file has been charged off since XXXX. I recently paid/settled this account in XXXX of XXXX where at that time XXXX  XXXX XXXX then updated my credit reports to show that the account was CHARGED OFF in XX/XX/XXXX. This false and inaccurate information is damaging my credit profile and affecting my ability to purchase a home. I have spoken to XXXX XXXX XXXX about the reporting issues with this account and they have claimed that it would be corrected in 90 days and to date that time period has passed and each month this account reports falsely to my credit file. I have attached my Experian credit report where you will see XX/XX/XXXX now repprts as CHARGED OFF.
Product: Money transfer, virtual currency, or money service

I have been using PayPal to receive payments for Online business and also receiving donation for the charity. 

On XXXX XXXX, I received an email from PayPal to send documents, I sent all the required documents. But then I received another email for permanently closing my account. 

I contacted PayPal and they refused to give me any information about this. 

I feel this was not fair on my part as I can not have control over how other people use their PayPal accounts I just really want my account back. 

This is the Reference ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I have submitted disputes to XXXX, XXXX, and Equifax in regard to items on my credit report i believe to be invalid, Incorrect, or outdated on XX/XX/2022. I have not heard in regard to my disputes, so I sent in another letter on XX/XX/2022, for more information in regard to my disputes and still have not heard back with the information I request for items on my credit report. I would like a immediate response in regards to the validity of the items on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

For Equifax to say they can not find my credit file is just lazy, I sign into MY Equifax all the time so my credit file is available. 
Attached you will find a copy of my Drivers license front and back and a copy of my social security card. 
Please Equifax do you job and stop stalling I am a natural person, a living human being. I have rights under law 15 USC 1681, And they have violated my rights several times. I demand the accounts listed below be removed because According to 15 USC 1681. I have the right to privacy and did not give Equifax written permission to furnish these accounts. Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no knowledge of the mentioned inquiries, and I respectfully urge you to deal with this matter promptly. I have enclosed supporting documents for your reference. Kindly conduct an investigation into the matter and take suitable actions for its resolution.
Product: Credit reporting or other personal consumer reports

Greetings to Everyone. There's been two Fraudulent loans from XXXX XXXX on TransUnion report. I never applied or authorized such loans.I ' ve filed a Federal Trade Commission Identity Theft Report clearly stating the theft. As a victim of identity theft, transUnion failed to clear this falsified account and theft account that I have no connection to ever. Now, XXXX and XXXX has honored the Federal Trade Commission report thoroughly. TransUnion remains the only agency not comprehending the severity of this matter, which is effecting my entire family. TransUnion lack of responsible leadership in there fraud unit, lack understanding of victimized people of theft and lack understanding the laws of the FCRA governing credit reporting. Punitive and compensatory damages will be leveled against TransUnion for there severity of neglect for a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX   XXXX  XXXX  | XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX |  XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : DEPT OF ED/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request your immediate assistance in addressing inaccuracies on my credit report, specifically related to several disputed accounts. Despite multiple attempts to have these issues resolved, I have yet to receive a satisfactory outcome. These erroneous entries are severely damaging my credit score and have caused significant hardships in both my personal and financial life. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is crucial that these errors be addressed and corrected promptly, as they continue to negatively impact my ability to secure financial services and manage my day-to-day life. 

Please provide written confirmation that you have received this request and will begin the investigation. I also ask that you keep me informed of any findings or updates regarding the resolution of this matter. My goal is to restore the accuracy and integrity of my credit report, and I appreciate your cooperation in taking the necessary steps to make these corrections. 

Thank you in advance for your prompt attention to this urgent issue. I look forward to your timely response and resolution.
Product: Debt collection

I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in XXXX XXXX XXXX XXXX XXXX XXXX, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the XXXX charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan, title loan, or personal loan

I have an unverified account from MIDWEST RECOVERY SYSTEMS. I had previously disputed this account. I have never done business with MIDWEST RECOVERY SYSTEMS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MIDWEST RECOVERY SYSTEMS Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MIDWEST RECOVERY SYSTEMS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit card or prepaid card

Today, XX/XX/XXXX, I went to Lowe 's to make a purchase with an understanding that I had $ 1500+/ {$2000.00} available credit, only to be declined at check-out. I called XXXX XXXX at the Lowe 's Customer Service desk only to be informed that on XX/XX/XXXX, they closed my account without any notification they were closing my account. I was informed by a XXXX XXXX representative that they closed my account due to a recent credit review. I informed the representative that my credit history/score is actually better/higher than when I first opened the account in XX/XX/XXXX. I informed the representative that the account closure was unwarranted and significantly dropped my score due to the closure. 
I have never been late on payments for this account or any other account I currently utilize. I do not generally carry a balance on credit accounts. Upon research, XXXX XXXX is notorious for these banking practices by closing account ( s ) without warning and without warrant of doing so. XXXX XXXX is utilized by multiple corporations by offering store credit cards and I will never utilize this bank for future credit offers by any store that uses this bank. I will continue to utilize my other reliable credit accounts to make all my purchases.
Product: Debt collection

XX/XX/year>XXXX  moved out renting at XXXX XXXX XXXX XXXX  I was renting from along with section 8 I paid 30 percent section 8 housing paid the rest I had no delinquency for 5 years I moved out and this popped up .. they have a lawsuit against them also they are no longer allowed to rent to government properties I dont know where this amount came from the home was spotless when I left I can only guess fraudulent charges of XXXX when I only paid XXXX for rent and for 2 years I paid XXXX dollars they put this amount on my credit FAIR COLLECTIONS & outsourcing according to 15usc1692c ( c ) this should never havent taken place I have no contract with this company and they have my information
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I asked in a XXXX Chat about my credit card I have with them and they told me it was closed because of the time it had pass, however everything was good, balance was on zero. Later on I received and email informing that they dig my credit history and this drop almost XXXX points on my credit score!!! Im working on everything even the hard times we passing by to mantain my credit score good and this just push me hard. Please help me out eliminating this into my credit score.
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XX/XX/2023, and noticed some things that are incomplete and not accurate. I sent a letter to TransUnion XX/XX/2023 and asked them to investigate the completeness and accuracy of this. I received the results and noticed they did not fix anything. This is breaking Federal Law. 

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC 1681i ( 5 ) it states ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I mailed out dispute letters to all 3 bureaus to remove one account and I have received a response from them. My first letter went out XX/XX/XXXX and I gave bureaus more than 60 days with no response. Second letter went out XX/XX/XXXX and still no response. Please have them remove item from my credit report, as you see they even have non matching opening dates of account and non matching closing dates accross the board. This is a 2nd violation of false reporting according to Section 623
Product: Credit card

I applied for a Chase Freedom Unlimited Credit Card in XXXX Online, I received and offer in my email stating that I would receive {$150.00} in bonus points once I had spent {$500.00} in my first 90 days and When I add a Authorized user and They use the card I would also receive {$25.00} in bonus reward points. I have been checking my account and waiting for these to be added, I looked at there fine print to see how long this takes and It said 6 -8 weeks after your first 90 days it would be added. Well I called Chase on XXXX 2016 I spoke to two different people XXXX and XXXX XXXX supervisors They told me I did not Qualify for the Bonus that their is no offer code! I proceeded to tell them that this is the Bonus offer I received in my email and this is the offer I am expecting to receive. I was then told had I called right at 90 days or with in the 90 day period they could add it and adjust it ... They also told me because I went to there website and applied I do not qualify It states the same offer on their website and this is the offer they made. Their offer in my email did not state i need to apply through the link only this is absurd the offer is all over the internet for the card I have and the card I applied for the The Chase Freedom Unlimited Card. I was told I applied for a different card not true its the same card they made the offer to me on and its the same card they offer the bonus rewards points on all over the internet this is highly fraudulent false advertising. I apply did everything this i was suppose to do I added the authorized user right away to get the bonus points. I had my husband use his card so i could earn the bonus points. Now they are refusing to reward me the {$150.00} in points and the {$25.00} in points. I want what I was offered when signed up for the card this is not right!!!
Product: Credit reporting or other personal consumer reports

I am reaching out to follow up on my earlier request for an investigation into the errors on my credit report, which I first submitted in XX/XX/XXXX. To date, I have not received any response from your office, and the inaccurate information is still present on my report, negatively impacting my credit. This lack of action is both troubling and unacceptable. 

For your reference, these are the accounts that I am referring to : XXXX XXXX XXXX XXXX : {$11000.00} Date Opened : XX/XX/XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$540.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance  : {$220.00} Date Opened : XX/XX/XXXX Please remove all of the inaccurate accounts listed above. 

I respectfully urge EQUIFAX to resolve this matter without further delay. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to investigate disputes within 30 days of receiving a formal request. However, it has now been more than [ number of days since the initial request ] days, and I have yet to receive any resolution, confirmation of an investigation, or an update on this issue. The ongoing presence of this incorrect information has significantly harmed my creditworthiness, leading to credit denials, higher interest rates, and emotional distress. This prolonged delay raises serious concerns about the reliability and efficiency of the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

no data for XXXX thru XXXX..What happen between XXXX and XXXX
Product: Credit card or prepaid card

I just went to TJ Maxx n while I was checking out the lady asked me if I wanted to save 10 % withe the TJ Maxx Rewards Card. I said sure because it was referred to and marketed as a rewards card. I have zero credit cards and I dont want one or need one. She gave me a receipt n told me to call this XXXX phone number when I got home. I just called the number and some chic with synchrony financail answered. I asked her if this was a credit application. She said yes. I told her I had no idea I thought it was a rewards card like at the grocery store. She said no. I asked to speak with a supervisor and I was disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it.The Fair Credit Reporting Act states that any Information that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries.
Product: Debt or credit management

I have old accounts on my credit that need to be removed. I have requested and to no avail. 

Discover {$890.00} XXXX XXXX XXXX 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

Last year, my employer started using HSA Bank, a division of Webster Bank, to handle and manage the XXXX debit card funds that are provided to us on a yearly basis. The funds are related to our health insurance. 

Today, XX/XX/, I received a " year-end notification '' about data sharing. I wished to opt out of the data sharing, and the only mechanism to do so provided in the notification was to call an XXXX number in the notice. I called that number, but the woman who answered wanted a long list of personal information even after providing the last four digits of my social security number, prior to proceeding. Uncomfortable with providing that information over the phone, I asked if there was another way to limit data sharing with affiliates. She told me I could do so through the online portal. I tried that, but the online portal had literally no way to limit anything. 

I understand that XXXX XXXX  makes money from selling my information. They should not, however, be making it impossible to limit the minimal categories that can be limited. Thank you.