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

Experian is showing an account in collections that I have never heard of - XXXX XXXX XXXX. It says that I opened an account with a company called SC on XX/XX/2021. I have no record of that company or account. I have received no correspondence from XXXX XXXX XXXX or XXXX via email or mail about this account. 

When I tried to call the number on the credit report to talk to XXXX XXXX XXXX, the automated answering system stated that due to a high volume of calls, they are not able to answer the phone. 

Hiding behind a credit report instead of direct communication with me is not only an unfair business practice, but is an abusive way to do business.
Product: Credit reporting, credit repair services, or other personal consumer reports

A certified letter was sent to credit management on XXXX of 2019 for account XXXX and the amount of {$250.00} to dispute. The credit management responded by deleting the account and removing it from my credit, but unfortunately it was only removed from one bureau which was XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this dispute regarding the remaining hard inquiries on my Equifax credit report that are not associated with me and were reported without my written authorization, specifically the inquiries from XXXX on XXXX and XXXX, and XXXX XXXX XXXX on XXXX. I already disputed these last month, but the inquiries remain on my report. I request the immediate deletion of these disputed hard inquiries. Reporting these inquiries without my consent violates the permissible purpose requirement under 15 U.S.C. 1681b, which mandates that credit inquiries must have proper authorization.
Product: Credit card

I booked a ticket for XXXX XXXX. XXXX changed my times, which rendered the flight unusable, so I booked a new flight at an earlier time with a different airline ( XXXX ). All of these were with the American Express Platinum card. I was n't able to gain any headway with XXXX about this change to the flight schedule, so I contacted Amex. They issued a charge back to my account crediting me. I just found out that Amex reversed the charge back on me.
Product: Debt collection

A collection company is charging me and reporting an account to my credit report that is not mine is affecting my credit, without having proof that it is me, please, I need help. 


collection company is : CREDIT COLLECTION SERV ORIGINAL CREDITOR : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax says they refuse to do an investigation into Fraudulent inquiries located on my credit report. 
I wrote Equifax about removing inquiries caused by fraud and they refused to remove the I inquiries. The exact words were " Inquiries are a factual record of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditor directly and follow their internal fraud procedures. '' Equifax is reporting fraudulent information and claims they have no responsibility in reporting the truth. So, in other words, they never investigated these inquiries, which is proof they have not done anything. I will use this in my defense when Equifax appears in court to answer the lawsuit I filed against them. 
I demand that you remove these XXXX accounts and inquiries from my report and do a PROPER INVESTIGATION. 
Cc : Consumer Financial Protection Bureau XXXX : XXXX XXXX XXXX Cc : XXXX XXXX XXXX  XXXX : My Attorney XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX BANK - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/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 719XXXX 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 homeless n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrote a letter 2 mths ago no response and is still showing on my credit report
Product: Credit reporting

I submitted a certified letter to Equifax dated and signed for on XXXX/XXXX/2015. today is XXXX XXXX, 2015 and have yet to hear from Equifax. I want Equifax to remove thee questionable accounts I request to be investigated, since they failed within the 30 days to notify me of their results. They had 30 days to investigate and get back to me with the results.
Product: Credit card

I received a copy of my XXXX consumer credit file ( Comenity Bank/XXXX ) is falsely reporting this account to my consumer file. This is NOT, my account ( XXXX ). 
All supporting documentation will be faxed. The information provided in this complaint is for the sole purpose of filing this complaint with the CFPB. And, is NOT to be used otherwise.
Product: Credit card

I 've asked to be release from a verbal service I made with XXXX for XXXX a month due to the fact I have not received the service I was promised by a XXXX representative. I asked my credit card company to no longer accept the charges, I protested the charges, sent documentation showing I had asked the charges stopped and they continue to charge my account. In fact they raised my ability to charge more so they could accept the realtor.com charges. I feel my credit card company is continuing to charge my account so they can continue to charge me high interest rates. I want these charges stopped and credited back to my account. I 've been an on time client with this company, XXXX credit card service and instead of working with me they 're working for XXXX. Please help me. I ca n't afford a service that 's not being offered. I can send all the documentation if you have a way to upload it. Sincerely, XXXX XXXX
Product: Debt collection

In XXXX I applied for and received a XXXX XXXXXXXX XXXX  Credit Card with the understanding that I would start payment in 6 months but billing started immediately. I tried unsuccessfully to change the terms with XXXX XXXX XXXX   based on what I felt was a BAIT & SWITCH Scheme. XXXX XXXXXXXX XXXX did not agree but they stopped billing me. The item was placed in collections and has since been on my credit report. AT THAT TIME I WAS UNAWARE THAT IT COULD HAVE BEEN DISPUTED. I eventually disputed it in XXXX and was informed that it would be in XX/XX/XXXX but XXXX XXXXXXXX XXXX sold the account to XXXX XXXX and created what appears to be a recent collections item. XXXX XXXX has placed the item on my credit report, significantly reducing my credit score by 26 points for a debt that is over 7 years old and one that they have not yet billed me for. I have disputed the matter with XXXX and XXXX XXXX and they both confirmed that the debt would be removed in XXXX but I believe because of the mitigating circumstances, it should be removed immediately. Thank you for your consideration in helping me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my XXXX XXXX Account on XX/XX/XXXX. They said sent me a statement saying I owed them {$7.00}, 2 or 3 times, but I NEVER received any of the statements. I have NEVER paid my bills late and for some reason my mail was returned to them saying my address was incorrect. I never had a problem getting my statements from them before my account was closed. I have lived at this same address sincxe XXXX XXXX. I feel it is VERY unfair to lower my credit score and have this 30 days late payment on my credit report when it was out of my control. If I had known that I owed them money I would had paid it on time as usual like I always have. I want this 30 days late to be removed from and also my credit score reinstated as it was before this happened.
Product: Credit card

I signed up for a promotional sales with Synchrony Financial through home design store with a credit limit of {$3000.00}. I went ahead and bought some furniture in the store in the amount of XXXX, I was asked if am going to do the two years promotional purchases they have i said yes, so they charged me additional {$300.00} which brought my total expense to XXXX with no interest if paid within two years. All of a sudden am being charged interest fee and additional late fee whereas I was informed neither of this will take place if the debt is paid within two years and if not I will be charged accrued interest from the time of purchase.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received my investigation results.
Product: Credit card or prepaid card

I'm filing a complaint due to the fact that citi bank account XXXX has some major FCRA violation 's you closed this account on XXXX XX/XX/2019 per the FCRA & the FDACPA there should not be any monthly payment listed on a closed account this is a violation also per the FCRA 623 / FDACPA 806 B You must enter consumer dispute marks on the account this account can not report. I have disputed this with all three of the reporting agencies but they said that you verified it as reporting correctly I have pending Litigation on Two of them as we speak. Please delete this account asap. The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Mortgage

I had an insurance claim on my property. Last week, an agent with XXXX verbally confirmed on the phone that the companies final inspection to release remaining insurance funds was XXXX XXXX complete and they will begin the process. 

Then, this week, I get texts from an inspection company saying XXXX ordered another inspection. After calling XXXX, I found out that they messed up some paperwork on their side and have decided to continue withholding funds and order more inspections. They also informed me that average mail time is XXXX days AFTER all of their processes are finished. 

It is important to note all repairs are complete and the home has been restored. 

This is absolutely ridiculous and unacceptable. I have already paid contractors out of my own pocket because the work is indeed complete. The inspector said work was complete. Now XXXX wishes to continue holding my insurance funds in escrow and can not guarantee any timelines. Please assist. Thank you!
Product: Credit card or prepaid card

Hello, Midland Credit Management bought my debt from XXXX. I have no contract with them, they can not prove that I owe this debt, after numerous letters asking for proof. They continue to harass and fraudulently claim that I, the Living Woman and Consumer owe them money. I have found many Federal Law violations, 1692 J ( a ) Furnishing certain deceptive forms, unlawful to send and state a false that there is a collection, 15 USC section 6892, 15 USC Code section 1692g V, 15 USC 1692a, 15 USC 1692j ( a ), 1692b ( s ), 1692d ( 2 ) are just a few of the violations I have found. I have also realized that I, the Consumer/Living woman living in the private should not pay for any Goods or Services for household use. All Debts are paid in advance for consumers Title 18 U.S.C. - 8.

I am a Consumer/Living Woman living in the private and I demand to be treated as that.
Product: Debt collection

I made payments on a debt to Brumbaugh & Quadahl for a previous judgement owed. I believe these payments were not reported to the courts. This company then transferred the debt to XXXX XXXX XXXX. The 2nd company garnished my wages for the full amount of the debt not taking into consideration that over half of the debt had been paid prior to the transfer. I consider both companies at fault.
Product: Debt collection

Portfolio recovery called someone and that person pretended to be my wife, which I am not married, and they gave them all of the information about my debt which is unauthorized, so that is a breach of private information.
Product: Credit card

On this day Monday the XXXX of XXXX at approximately XXXX in the XXXX, the company ( Revvi ) offered me a settlement offer not disclosing that it will close my account if I accepted the offer. The minimum amount that was due was less than the settlement and informed me it will be wise to take the settlement offer due to my financial hardship even though it would have impacted my credit negatively with a derogatory on my credit report instead of suggesting I should pay the minimum due to keep my report in good standings. I was only 70 days late and they informed me that my account will only be closed if I was 180 days late. This was predatory and misleading information and was not a fair practice at all!
Product: Debt collection

I mailed a debt validation letter on XX/XX/year> to Allied Interstate, LLC. I asked them to provide proof that I owed the debt and proof that they are the correct company to pay. They did not provide the documents requested. Instead they have continued to send me debt collection documents.
Product: Payday loan, title loan, personal loan, or advance loan

Payments have never been late. Please update to paid as agreed, Never been late.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Incoorect information is on my credit report and it needs to be removed.
Product: Credit card or prepaid card

Purchased {$500.00} prepaid Netspend visa card, used once, now they are trying to scam me to send them pictures of my social securtity card
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 my mortgage was paid in full satisfaction of the debt. I sold the home and XXXX XXXX was paid. I have two letters stating such. My credit report states the mortgage was in my Chapter XXXX bankruptcy ; however, as stated above, the mortgage was satisfied completely. I disputed the credit report with XXXX and TransUnion. They investigated, I submitted the letters from XXXX XXXX stating the mortgage had been paid in full, and the result was no change in reporting that the mortgage was included in Chapter XXXX bankruptcy.
Product: Credit card or prepaid card

I am a victim of identity theft and I have sent all supporting documents to Bank of America and they have one of my claims pending over a year
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Product: Student loan

I have requested that you explain why you denied my student co-signer release request last year. You failed to provide details about the specifics on my debt to income ration ( DTI ) when you replied on XX/XX/XXXX. Additional and new documentation were submitted with my SECOND application on XX/XX/XXXX so please provide the following : 1. Whether you reviewed the NEW documents submitted with the last co-signer release application XXXX XXXX, Tax returns showing rental income in schedule XXXX, XXXX, and pay stubs ) on XX/XX/XXXX ( Thursday ) with REVISED income. You replied with the denial within less than XXXX business hours on XX/XX/XXXX ( Monday ) suggesting you did not conduct a through review of the documents. 

2. Explain how you calculated my Debt to Income Ration ( DTI ) between XX/XX/XXXX and XX/XX/XXXX. 

3. Confirm that the calculated DTI was 75 % as stated by two of your servicer 's representatives to me and my co-signer on a recorded call on XX/XX/XXXX. We were initially advised by your servicer 's representative at the beginning of the call that the XXXX was 75 %. Then when we spoke with a supervisor, we were advised that the information was not releasable. When we spoke with a higher supervisor, we were advised the DTI was 75 % indeed. ( The call has cost me an additional {$58.00} in phone bills for international calls as I am stationed overseas due to a military assignment ) 4. Release required DTI your underwriters use for co-signer release review. If you can't release it, please explain why you do not release the borrower 's required DTI like most lenders would do when a borrower is applying for credit. 

5. Explain why you did not disclose in your advertising before we signed the promisory note on XX/XX/XXXX that there would be other requirements in addition to making 24 consecutive payments on time ( e.g. that I would have to meet underwriting requirements ) like you had advertised. 

6. Confirm that you have not released other borrowers ' cosigners with the same or higher DTI and lower credit score. 


Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My grandmother got a letter in the mail stating I had tried to purchase a credit card for some company and called me immediately to ask me about this. My grandmother lives in XXXX, XXXX  and I live in XXXX, XXXX. I haven't lived in XXXX, XXXX for years. My grandmother then tells me that my Aunt has gotten a hold of my social security number from old school records my mom left behind, and has applied for a credit card in my name. I reported this online for fraud and never heard anything back. I'm young so I'm not 100 % sure how to go about this, and I work a lot so I haven't been able to get to a police station to file fraud on her. My wife and I are looking to buy a house soon, and need to correct these mistakes as soon as possible please. Thank you!
Product: Credit card

I purchased 2 airline tickets from XXXX XXXX  using my AMEX card on XXXX, XXXX 
One ticket for XXXXXXXX XXXX XXXX, the second for XXXX XXXX XXXX 
right after the purchase I checked my AMEX account to see the charges in US Dollars, I realized that AMEX applied and old exchange rate of XXXX XXXX XXXX XXXX XXXX instead of the new official rate from the XXXX XXXX XXXXXXXX XXXX which was XXXXXXXX XXXX XXXX = XXXX XXXX XXXX 
I immediately called AMEX and talked to an agent XXXX XXXX who assured me that the exchange rate will be corrected once the transaction is processed usually within 24 to 48 hours. 

I was charged XXXXXXXX XXXX instead of the correct charge of XXXXXXXX XXXX for one ticket for an overcharge of XXXX in one ticket, based on the official XXXX XXXX XXXX exchange rate for that day. 
I was also charged XXXX for the second ticket instead of the correct amount of XXXXXXXX XXXX for an overcharge of XXXX XXXX based on the XXXXXXXX XXXX XXXX XXXXXXXX official exchange rate. 
I have tried to resolve the issue on multiple conversations with agents on XXXXXXXX XXXX XXXX  and on XXXX, XXXX, XXXX  with no resolution. 
I was advised to dispute the charges, even though I informed the agent that the charges are all correct in XXXX XXXX, that my issue is not with the merchant, but with the exchange rate that AMEX was used, So I filed dispute XXXX, and XXXX, Of Course XXXX confirmed the charges XXXX which is true since all the charges in XXXX XXXX were correct I finally talked to a supervisor XXXX XXXX on XX/XX/2024 who totally understood the problem and he asked me to drop my dispute of the charges and file a complaint with AMEX instead, since this was and American Express internal issue and not a merchant dispute. 
He promised me to start an investigation and clear the issue within 2 weeks. 
I paid all the charges because I was concerned about my excellent credit score, Unfortunately AMEX is refusing to refund me the difference go XXXXXXXX XXXX  for both tickets. 
Your are my last resort,