23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

About a month ago, I had a reason to contact the Experian Credit Reporting agency about my credit scores being grossly inaccurate. I have a perfect credit history but they lowered my score to barely acceptable. During that contact, I was asked if I would like a copy of my report for {$1.00}. I accepted the offer as the price was right. Now they are billing me on my email account for {$21.00} as some kind of membership in something I do n't know about and sending me unsolicited emails. When I called them, they claim there was a " hidden '' acceptance of a membership of some kind that I accepted. I assume there was some kind of hidden in small print of something or other. Now they want me to pay a fee for something I never asked for. Now I 'm also asking them to return my {$1.00} for whatever scam they are trying to hook me into. Since I never signed any contract, explicitly or implicitly, this is an attempt at extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account 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 Has violated my rights,15 U.S.C.1681 section 602 A states that I have a right to my privacy. 1 5 U.S.C. 1681 section 602 A section 2 states a consumer reporting company can not furnish an account without my written instructions which I have never given.
Product: Debt collection

I am requesting removal of a really old debt that is still reporting on all three credit reporting agencies by XXXX XXXX XXXX XXXX. This account has reached its statutes of limitations because it is over XXXX years old. The contract date of this account is dated back to XX/XX/2016. I want this account removed off all three credit reporting agencies Experian, XXXX, and XXXX immediately as it has been having a negative impact on my credit report and stopping me from applying for other extensions of credit.
Product: Credit card or prepaid card

case # XXXX acct. ending in XXXX I have tried for months now to work with Capital One on my dispute with the company I don't know what more they could possibly want from me long story short I returned some damaged merchandise to the merchant I provided tracking information in the Box weigh the proper amount it was received and signed for and nobody had any issues with it until Weeks Later then all the sudden the merchant claims they didn't get it that went back and forth for awhile and that's when I decided to ask Capital One for help and I disputed the transaction I provided all the information it's not like XXXX and XXXX or the post office are going to lie for me the carrier confirm the package was delivered there were no problems and I gave all this information to Capital One and somehow they decided against me in their most recent letter they sent to me they told me that they didn't have all the information they needed and I asked them what the information was they said they needed a copy of the receipt the invoice which keep in mind I've already provided but I went ahead and provide it again and now they send me another letter and this time their excuses they're going to go with your original decision they told me the last time that the reason they decided against me was because they didn't have all the information so I provided all the information for about the third time I send everything back to the merchant I provided overwhelming proof of this and Capital One still has not refunded my money why are they not following the federal consumer laws that are on the books they have an obligation
Product: Prepaid card

Wallet containing the Direct Express card was lost approximately 18 months ago. When the new card arrived we were unable to activate it because we no longer had the phone number on file or knew if any email. We were advised of next steps. We emailed over social security card, birth certificate, and drivers license that was confirmed as received. We then went to Social Security and they updated number. Social Security however does not have those direct ties with Direct Express any longer but a supervisor helped us out and changed phone number and requested a callback. We did receive the call and was able to verify everything except when they tried to send a code to the phone. We were on said phone and the code never came through. The representative stated himself that the government phones dont get the code. We explained that you called us on the phone number youre trying to get code from, but he still wouldnt activate card. Theres approximately {$1200.00} on this card we havent been able to use. We went back to social security and they could only cancel direct pay and we were able to get a bank account with XXXX. Please up us get this money. I actually got strength to try again and will do so today. We just paused, not gave up because it was overwhelming and we had deaths in our family and have been healing. But now we are back at it and requesting your help before I guess the last resort which would be to sue. We have direct deposit info from social security. I dont think theyre stealing our money, but have made it impossible to get
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and discovered that it contains accounts which are not mine. This situation is not only unfair, but also deeply concerning, as I have never authorized or been involved with any actions associated with these accounts. 

If these errors are not thoroughly investigated and resolved, I will be left with no option but to take legal action.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and wrote a few times to dispute the accounts that aren't mine. XXXX, Equifax and XXXX has ruined my ability to establish credit due to their data breach issues. I am being denied credit eur to this and they have failed again with their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings to all and I pray that all is well during these trying times. I've had an issue with multiple accounts appearing on my credit report that was not authorized to be open by me. The account was opened XX/XX/XXXX for {$270.00}, XX/XX/XXXX for {$2500.00}, XX/XX/XXXX for {$6600.00}, XX/XX/XXXX for {$2400.00}, Collections XX/XX/XXXX for {$67.00}. I reached out to XXXX, Equifax, and XXXX  in order for them to please delete/remove this item from my credit report. I have previously been a victim of identity theft and since then there have been unauthorized inquiries and accounts to appear on my credit report periodically. I provided an affidavit and a police report to XXXX, Equifax, and XXXX  explaining my situation and they have failed to comply with federal rules and regulations. Times are very hard on my family and me. I am asking for some help in just removing these accounts from my credit report so that I may continue to provide for my family during this COVID-19 pandemic. I am in process of relocating my family and this account being on my credit report is causing grave grief and anguish.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

I have no knowledge of this account, please provide me with the original instrument of debt with my signature on it to verified that this account belong to me in accordance with the FDCPA. And any contractual agreement that proof you have the right to collect this allege debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

i requested for XXXXl XXXX, XXXX and transunion to provide me with the written authorization of the consumer i even called and asked for them personnaly to remove the inaccurate inquiry the credit bueros told me file cfpb complaint
Product: Credit reporting or other personal consumer reports

I enrolled in a " Save plan '' and received a communication from XXXX that my loan has been placed on forbearance due to the ongoing court case regarding the " Save plan. '' It was also stated that no interest will accrue while on forbearance as the litigation is still on. However, I have been receiving an alert from Experian that my loan balance has increased. I saw that it increased in XXXX and increased again in XXXX. I made every effort to contact XXXX but all proved abortive. I called XXXX customer services severally and was put on hold for over an hour but the phone went off. In XXXX I got someone on the phone who stated that their system wasn't working. Then, the representative collected my sensitive data and stated that she was going to call me back when they restored the system but didn't get any call back from her. XXXX keeps reporting a high debt balance with the credit Bureau without any clarifications on how it gets there. This is so frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I open an account in XX/XX/2020 I paid a high amount to be able to get approved a initiation fee, paid in full I have not use the card or have received an account statement on this account after a year I see i have a balance of {$80.00} I see it because I monitor my credit I call the number on the account which is phone # XXXX they do not answer that the only number I have I left multiple voice messages after a few days no more than 5 I get notice of this account been reported late I have not use this account the balance has been {$0.00} how can I talk to them now that I am in a collection they have a real number which I Just called and they refuse to delete this account. I am working with an XXXX Loan and I got a response today that they denied me the loan because my credit drop XXXX points I am going to loose my business because of this company.
Product: Debt collection

Capital One Auto Financing is still sending me monthly bills after debt has been paid in full, i would like for mail harassment to stop and to correctly report it as account closed and paid in full with a paid to delete order mailed to the address on file. I entered a consumer credit transaction with them on XX/XX/21 and paid in full on XXXX XXXX i would like to receive my monetary compensation mailed to the address on file. Please see attachments for further clarity.
Product: Debt collection

For more than 6 months now I have been constantly harassed by Portfolio Recovery Associates to collect depth obligations that I really dont remember owing or is too old. They have on several occasion used Autodialer to call me on my cellphones without permission, I will pick up the call and will say hello! hello! hello! then after more than a minute somebody will come on the line. 
They call me frequently and repeatedly from several out of state numbers, late at night, at work, and on my cell phone after I have told them not to call me. 
They have on several occasion told other people that answered my home phone or work phone that they are trying to reach me on personal matter relating to dept collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, re : Transunion unverifiable Bankruptcy reported on my credit report. Bankruptcy XXXX - case No. : XXXX. First of all, there is no company I am referring to the U.S. Bankruptcy Court, XXXX XXXXXXXX XXXX Florida, XXXX XXXX, XXXX, Florida XXXX. On XX/XX/XXXX, I sent a letter to TransUnion Credit Bureau, XXXX XXXX XXXX, XXXX, PA. XXXX. In the above referenced bankruptcy. As of today XX/XX/XXXX, no one has responded to me yet. TransUnion never remove the bankruptcy. It shows zero public records it is still listed on my credit report and my score was never updated. This is supposed to be removed completely nothing showing in the public records section of my credit report. According to my research my score increase should be 100-150 points. I have attached a copy of the page from Transunion credit report showing that the report shows zero public record but all the information about the bankruptcy is still on my report and my score has not changed. TransUnion has no intention of removing the bankruptcy from my credit report. Even though it has been over 30 days, and it has not been verified because only the bankruptcy court can do that, and they don't verify bankruptcy cases ( see attached letter ). The FCRA mandates that TransUnion correct errors within 30 days of notification ; or the error must be removed immediately it has been 77 days. I am attaching a copy of the letter that I sent to TransUnion on XX/XX/XXXX, XXXX there has been no response at all, and it is not off my credit report yet. This letter was sent certified mail returned receipt requested. XXXX XXXX XXXX XXXX XXXX. Received by TransUnion LLC on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts from XXXX XXXX XXXX that should've cleared on my credit file, however, TransUnion failures to recognize and adhere to Federal Trade Commission Identity Theft Report to remove accounts.I have the right to request a block for fraudulent and identity theft accounts legally. Thank you.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX Balance Owed : {$8200.00} XXXX  XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX XXXX Date Opened XXXX {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

An unauthorized charge was made on my Union Bank debit card with XXXX in the amount of {$1900.00}. I called XXXX and informed them. The representative asked if I had an account and I said no. He then asked for mu address and birthdate to verify that it was not I that placed the bet. I gave him that information. He said the bet would be placed on hold and someone would call back in 24 hours. I then called Union Bank and alerted them. The debit card was cancelled and a credit of {$1900.00} was placed back into my account. When Union Bank contacted XXXX the agent stated that it had my address and birthdate, thereby saying it was used in the transaction. By asking for my address and birthdate initially, the XXXX representative was not trying to verify if I had an account but rather to limit their liability of having to refund the {$1900.00} to Union Bank. I am out the money and they have my personal information. Union bank refuses to refund the {$1900.00} to me, even though they know I did not authorize the transaction.
Product: Credit reporting or other personal consumer reports

Dear Nordstrom, Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus. 

It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. 

I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/year> the vehicle was involved in an accident and declared a total loss approximately 3 days later. The insurance company XXXX received a payoff amount from Santander. Santander claims that all claim information was sent on XX/XX/year>. Yet on XX/XX/year> i called santander and was told by there representative that they lacked information on the claim. On XX/XX/year> i conference called both Santander and XXXX as the XXXX representative was unable to get a hold of Santander. In the conference call the Santander representative claimed they needed information that was already sent. They were again given the information and proceeded to give a new payoff amount that is good for 15 days, so XX/XX/XXXX. Santander was given a direct fax number to send a harmless hold letter to XXXX so that the payoff can be sent. The Santander rep said it would " go into a que '' and be processed within XXXX business days. Being the XXXX week Santander is pushing this process out to insure a higher payoff for themselves. They have held this process up for over 30 days despite the fact they themselves claim that they received the information on the totalled out claim on XX/XX/year>.
Product: Credit card or prepaid card

I have requested the negative information reported on the 3 credit bureaus to either be removed immediately, or for Chase bank to show me where I personally requested, authorized or signed for this credit card. I have been asking for this information for 2 years. The negative information " appeared '' on my credit report in XX/XX/XXXX. Prior to that, this information was never on my files. Also I had over 10 other accounts with Chase ( several autos, 2 home loans, other personal credit cards, an SBA loan ) totaling over {$500000.00}, as well as checking, savings and investments with Chase. ( They all are excellent pay with never a missed payment. ) I was never contacted by email, regular mail, phone or fax that this account was ever late, or being charged off. I never received any type of bill on this account, ever. The first time I knew anything of it was when I got an alert from a monitoring service indicating my score had dropped almost 200 points. Chase had all of my contact information and failed to ever contact me. 
I have requested numerous times for Chase to show me the evidence that I signed for this credit card, and they never have. They simply reply to the credit bureaus that it is mine, without proof. Recently they have " updated '' my report to show that it was paid " on time '' going back to XX/XX/XXXX. This was never part of my file, and was not on my file until XX/XX/XXXX when they listed it as charged off. Look back prior to then and you will not find this credit card on my file. This is a recent " addition '' by Chase. 
On my last complaint, Chase first of all said on their 15 day report that they tried to call me at a number that is bogus. My correct number is on all 3 credit reports. It is XXXX, and has been for years. Now as a final response, they claim they can't respond to me personally because I am represented by an attorney. I had an attorney try to get information last year, and he was not successful as Chase ran him around to over 20 different departments. He gave up. They also claim they responded to him, and that never happened. 
I am not represented currently by any attorney and ask that they deal and respond only with me. 

I am asking again, for the 20th time, PLEASE provide proof that I signed for this credit card or immediately remove it from my 3 credit bureau files. 2 years is long enough for Chase to deflect the truth and not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud accounts appearing on my credit report
Product: Credit reporting or other personal consumer reports

I noticed some things completely different and false on my XXXX XXXX XXXX account. There are late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I always had this account on auto pay. I was never late. This account is also paid in full and closed as of XX/XX/XXXX. I sent in proof to the bureaus and release of liability. This account should have on time payments, XXXX balance, and closed. There has been no change and this affecting me from being able to obtain a vehicle with a good rate.
Product: Credit reporting

Been trying to get " Account in Dispute '' removed from my credit report for more than six months with no luck