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

I notified Transunion that my score dropped 80points within 30 days time in error. XXXX XXXX reported a XXXX late payment twice when they should have only reported once. I called the company and even got the XXXX XXXX XXXX involved. XXXX XXXX then had the missed payment removed. Transunion however has not and will not fix my score. I called them today to tell them that when a late payment is removed, I should see a good increase not a huge drop. Also, I told them I should have never lost 20 points for them reporting the same missed payment twice then when they update you and let you know theres an error on their part, it should have been a 60 point increase instead of a 60 point drop. Im trying to buy a home and this is ridiculous & XXXX  me. The transunion rep told me he didnt have to explain to me why it dropped and that the score is final no matter what because its the system meter. Nothing they do manually. This isnt right and something needs to be done ASAP because I work hard on my credit. 


-XXXX XXXX XXXX issue- I have reported for two years to the bureaus that XXXX has provided inconsistent information regarding money owed and dates of delinquency along with account closing dates amongst all bureaus. Not only that but neither company adhered to the Texas law for repossession of vehicles. Instead of all the bureaus recognizing and properly investigating these two accounts, they just reply with the same answer as account has been verified. These accounts need to be removed from all credit bureaus. XXXX  is the only one that removed XXXX XXXX. Please have all bureaus remove the XXXX & XXXX XXXX Thanks
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication regarding unauthorized inquiries on my credit report. As of my last correspondence dated [ date of previous letter ], I have not received a satisfactory resolution to this matter, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I believe that the failure to address these unauthorized inquiries promptly may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the removal of inaccurate or unauthorized information from their credit reports in a timely manner.
Product: Credit card

The balance on my USAA credit card account due on XX/XX/XXXX was {$1600.00}. A pay-ment of {$100.00} to a storage facility was added, so I imagine my balance was then {$1700.00}. I mailed a payment of {$1000.00} on XX/XX/XXXX, and it was credited to my account XX/XX/XXXX, leaving me with a balance of {$760.00}. I recently received my XXXX state- ment and noticed a rather high interest charge. Upon checking the next page I found that they had charged me interest on a balance of {$1400.00}. Beyond the storage payment there are no other charges on this account, so I called to find out why I was charged interest on an amount almost twice my actual balance. The XXXX person that I spoke with just kept telling me that it was because my bill was not paid in full, and then became angry when I would not accept that explanation. I finally hung up and decided to try FTC, and was rerouted to your site. Can someone please give me a more reasonable expla-nation of how a credit card company can legally charge interest on amounts well over a person 's actual balance. Thank you in advance for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid in full the amount owed to XXXX but they report the account charged off closed also they have an limit of {$3500.00} it was never more than {$39.00} dollars I paid it and they responded by saying they got the payment but contact the person they sold it too
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block, Kic. ) ( to i le quat customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process 0:31 was untair an deceptive, as they didnot & 3 comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with de Fair Credit Reporting act convergence accounts, has violated my rights. : 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 







15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit card

the date of the first delinquency that you have does not match the date that i have under 15 USC 1681 BE you must provide maximum possible accuracy and i'm taking into consideration that the CFPB is suing capital one i'm also request full disclosure of the XXXX of my profile
Product: Debt collection

Yes here it is again this same company whom I have repeatedly advised to stop calling my number and now it is a different person calling me from North American Credit Services, this woman stated that her name was XXXX. These calls are disrupting my family. I advised them that I do not have any income at this moment to pay anything. Now they call all times throughout the day and I want them to respect my family members and stop calling their phone. Before hand it was 3 gentleman, now it is a woman. Sometimes they call after hours at night and I immediately ask them to stop. If I have no income of which I explain that to them then I can not pay anything.The phone number that XXXX call me from on XX/XX/2018 was XXXX, yesterday the number XXXX XXXX. The dates were Wednesday XX/XX/2018 at XXXX XXXX, then continuously again today and now they are calling me from different numbers. They call me back in XX/XX/2018 at XXXX. Sometimes the calls are coming thru all thru out the evening from this same company and I want it stop immediately. From the telephone number of XXXX, they call my number 5 times. XX/XX/2018 at XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX between hours of XXXX XXXX and XXXX and then a second time XX/XX/2018 at XXXX. I have ask them to stop calling me.
Product: Debt collection

A family member sent me a copy of a debt from a deceased parent. 
Was told over a year ago we were not responsible for the debt. 
Stop us from being bothered by XXXX.
Product: Credit reporting or other personal consumer reports

I reach out to the company to remove the inaccurate accounts or show proof of debt validity. The company listed have failed to do so, this company is a third party agency trying to collect on a debt. But, I do not owe or have a contract with Conserve. This is a violation to my consumer rights under the FCRA 15 U.S. Code 1681a ( d ) 1, 15 U.S. Code 1681c-2 ,15 U.S. Code 1681i ( 5 ) ( a ), 15 U.S.Code 1692j & 15 U.S. Code 1682s-2.
Product: Credit reporting or other personal consumer reports

I paid 50 percent as promised showed proof of payment from my bank and that it came out of my account and posted and they are saying its not paid
Product: Credit reporting or other personal consumer reports

I did Not authroize these inquires and need them removed I tried to contact the Bureaus and they did not remove them and it is a violation according to 15 U.S. Code 1681 c-2 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 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: Debt collection

Midland Credit Management , Inc would repeatedly call me and also hang up on me when I would describe my current situation on why I could n't pay the full balance that day. I was trying to work out a monthly payment to have the debt satisfied. After they hung up, another associate would call me about an hour later stating that no one else called me and that I must be lying. After having 5-10 calls some days it got rather annoying. I finally got a letter from this company and I settled this account but the problem was I was trying to settle this account in monthly payments 2-3 months prior. The associates I was dealing with during that 2-3 months was rude and hard to even get my account satisfied. I believe they did that on purpose so I could n't try to get my credit back on track.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : Bridecrest
Product: Credit reporting

I just pulled up my Free Annual Credit reports from XXXX and XXXX. No Problem accessing and receiving the reports. When I went to the Equifax site, they refused to process my report on line. They stated that I needed to send them copies of my Social Security Card, Drivers License, etc. They said it 's for my protection. What is their problem. XXXX and XXXX were quite friendly.
Product: Credit reporting or other personal consumer reports

XX/XX/year> To whom it may concern : I recently made a complaint to your agency regarding the 3 major credit bureaus. 

And as of this writing to your agency again, the issues that I had initially complained to you about still have not been resolved. 

Instead, the credit bureaus are again making a mockery of your agency, because they continue to get away with whatever they choose to do. 

They send you notice that they are still working on my complaints, yet they do nothing to correct my credit files, and credit score, and I end up with the same results, of them continuing to destroy my credit rating, and nothing is done. 

In my initial complaint to your agency a few weeks ago, I requested that I want to receive PROMOTIONS, Why has Experian taken it upon themselves to deny my request. 

This weekend I received a post card from Experian, claiming that they have removed my name from their preapproved credit offer list for 5 years. 
And they stated that they are notifying the other national credit reporting agencies to do the same. 

I never asked Experian to remove my name from promotions, and I did not ask them to contact the other bureaus about anything regarding me. 

I want you to please refer to my initial complaint, and this shows the intentional harassment that I have been receiving from the credit bureaus.
Product: Debt collection

On XX/XX/2023 ; I was told by XXXX XXXX XXXX cashier or account the loan that I paid is not paid. I was told I owe a balance {$800.00} after loan was paid. I attached my claim number for a previous submitted claim.
Product: Debt collection

An individual claiming to be " XXXX XXXX '' called my home voicemail saying he was an " independent process server. '' He claimed that there is a case against a person who is not me ( XXXX XXXX ) and he was calling to serve papers. He had a whole script about how he would show up at the home of XXXX XXXX and then go to her work to serve the papers. He left a case number. I am a paralegal, so I looked up to see if there was a debt collection case against XXXX XXXX in XXXX XXXX XXXX, XXXX. There is n't. There also is no process server in XXXX named " XXXX XXXX. '' I contacted this company at the phone number they left ( XXXX ). I asked the name of the company that called and a rude individual told me that it was called " ADR '' in XXXX, XXXX, but would not further identify himself or his employer. I told him about the voicemail, that I was not XXXX XXXX and did not know XXXX XXXX. I also told him that " XXXX XXXX '' was not a process server in XXXX and that there is no case against XXXX XXXX in XXXX XXXX County, XXXX. He told me that I must know everything and hung up on me. 

This company is calling people claiming to be process servers in XXXX and they clearly are not.
Product: Credit card or prepaid card

Several weeks ago I began to receive multiple physical and virtual communications from Chime about my new debit card. I've never applied for one. Their portal associated my email with a very old phone number which of course couldn't be used to verify the account and the website then requested a lot of personal information. I contacted Chime via their customer service email address, which is not listed on their website and I had to tweet them to find it, and they said they need my social security number to " close my account ''. I didn't open an account. I don't want to give them my information. I just want them to stop contacting me and/or trying to steal my identity.
Product: Credit card

Chase Freedom credit card advertised 5 % cash back rewards for restaurant purchases made from XXXX/XXXX/2015 through XXXX/XXXX/2015. They did not honor the 5 % cash back rewards for several restaurants including XXXX XXXX in XXXX, XXXX, and XXXX in XXXX, XXXX. These establishments are solely restaurants and do not sell anything else so there is absolutely no reason that they could be called anything other than a restaurant. When I saw on my statement that I was not given the 5 % cash back rewards I asked them to honor their promotion as advertised, and they denied my request claiming they categorize these restaurants as 'grocery stores ' or 'convenient stores. ' This is clearly false advertising and tricking the consumer to use their credit card with the promise of receiving rewards, which are then not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the XXXX Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX : {$2300.00}.
Product: Credit card or prepaid card

I use citibank Custome cash card ending number XXXX In XX/XX/2023 my balance is XXXXXXXX XXXX i have to pay XXXX XXXX interest In XX/XX/2023 my blance is XXXXXXXX XXXX i have to pay XXXXXXXX XXXX  interest In XXXXXXXX XXXX my balance is XXXX USD i have to pay XXXXXXXX XXXX interest I think they will charge me around 25 to 30 % per year but now i can see they charge me more than 10 % to 20 % per month... 

I cant explain how many people who suffered like me, this is un acceptable and abuse client, many people dont have time to look at this and they have just to over pay for whaty they are told to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX Credit card and was denied credit. I immediately called the XXXX credit card department at XXXX and spoke with XXXX, got disconnected and later spoke with XXXX, both on XXXX XX/XX/2019, at XXXX XXXX   through XXXX XXXX I asked XXXX for the main reason of denial for the credit card. She stated I had an 18-year-old Bankruptcy against XXXX, that account in question was charged off through the bankruptcy as bad debt, however, XXXX XXXX XXXX recovered most of the money through federal subsidies. Furthermore, it is against the Consumer Credit Protection Act of 1968. to use information no longer listed on my current credit report. I told XXXX that I was only looking for a {$2500.00} credit limit and XXXX had no business using old records on file. It took me over ten years to clear the bankruptcy on file and that alone can not be used against me to deny me credit. My credit report is very good, XXXX. I also asked XXXX to please reconsider me for a XXXX credit card, In good faith, to slowly build my credit. The Denial letter was sent back to the bank for further review. I have not heard anything as of yet. For them to reconsider their decision. I have a XXXX Credit Score, no outstanding debt, payments are always on time. Thank you for your time.
Product: Credit card or prepaid card

I applied for and received XXXX XXXX XXXX XXXX from American Express with a current promotion of XXXX miles if I charged {$2000.00} in the first 3 months. 
Upon receiving the card, I did not see any mention of the offer, so i called the number on the back of my card, representative from American express informed me that the offer was denied as i had this card in past. 
I checked my credit report and never had this card, so i opened a case with american express and today when i checked, i was told that when you applied, there was a pop up that said you will not get the bonus miles offer, but i never received any such pop up. 

this is truly misleading and mischievous. Now they would not let me talk to a supervisor. 
I saw that promotion on XXXXXXXX XXXX website and decided to apply to get those miles. 

Now American Express says, they are not willing to do anything for me. case # XXXX that i opened with them is now closed with no resolution. 

the website never informed me that i will not get the XXXX promotion., otherwise i would have not applied for the card.
Product: Debt collection

Received a call on my cell phone. The person called me by name saying they were looking for someone who lives on my street. I am on the do not call list. No one should have access to my number.
Product: Debt collection

I acknowledge receipt of your response to my debt verification request dated XX/XX/XXXX. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt collectors validation response, which must now include : The name and mailing address of the debt collector ; The name of the creditor to whom the debt is owed ; The account number ( if any ) associated with the debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided. 

Your response dated XX/XX/XXXX did not include any of the aforementioned details. 

In accordance with the FDCPA, please provide the following : 1. The name and address of the original and current creditor ; 2. Verification of the debt amount you are attempting to collect ; 3. Documentation of any assignment from the original creditor, including my name and the original account number ; 4. All relevant information on the securitization of the debt and proof of its reassignment to Hunter Warfield. 

Federal law, specifically XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At the time of my Emergency visit to the hospital I had insurance at the time there should be no reason whats so ever to have a balance owed. This is affecting my my credit real bad and Im suffering because someone isnt doing there job right so I demand this to be taken off my credit report immediately
Product: Credit reporting or other personal consumer reports

I have had multiple hard inquiries on my credit reports. These are banks that I never heard of. Some are as far as XXXX XXXX XXXX and I live in XXXX XXXX. One in paticular is XXXX XXXX XXXX XXXX. I have contacted them multiple times. 
I am attaching a list of these companies. They keep hard inquiries on my credit report without any authorization from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to XXXX, Transunion and XXXX  to resolve this matter. They continue to report inaccurate address, and misreporting information on my credit report. The accounts continue to report inaccuracies and they are not responding to my disputes