23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

There was a fraudulent charge on my credit card, which I tried to dispute with the credit card company unsuccessfully. They were lied to and were not provided with all the evidence by the merchant, and my dispute was not resolved. So, I asked the credit card company to close the account. What I was expecting was to receive a new credit card, as had been done in previous years when the account was closed due to theft. Instead, the company closed my entire account and canceled my entire history with the credit bureau, over 9 years. This was not what I wanted and it has negatively impacted my credit score.
Product: Student loan

Ive made XXXX - {$620.00} payments this month. The balance has not updated but in-fact increased by {$700.00}. Ive been logging in everyday and taking screenshots because my balance keeps increasing with no explanation and I have not taken any loans out and have been paying MORE than required. Ive called everyday and there are 3+ hour hold times. No one answers the phone. I feel completely helpless and like my debt keeps increasing and no one is explaining anything and Im paying money thats not being applied to the loan.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit card

Capitol One used information from my father instead of me and declined me saying I was deceased. My FICO score is negatively impacted and I have an inquiry on account, but inexperience representatives keep asking me to reapply, or telling me to call XXXX after I explain that XXXX has fixed everything but inquiry.
Product: Credit reporting or other personal consumer reports

I obtained an XXXX  account to monitor my credit report. After evaluating my report I noticed that I have hard inquiries on my report pertaining to XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX. After no resolution, I am filing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named Common Wealth finance has put the same charge entry as new 12 separate times at the same time with a date of XXXX XXXX, XXXX on all three of my credit report recently. When all of those medical charges are old and should have been charged off 5 years ago with them possibly dropping off within the next two years. Now if they stay on there they won't come off until XXXX which will keep me from buying a home or a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a charge off listed with a past due balance which is incorrect. They keep validating the debt instead of deleting for inaccuracy. 

Late payments on XXXX XXXX XXXX and XXXX XXXX  negatively impacting and according to 15 U.S. Code 1681a,15 U.S. Code 1681a1 and also 15 U.S. Code 1666b should not be reporting but they will not delete
Product: Student loan

I'm having problems reaching someone who can defer my payments also there is a payment reporting late which I've never been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan in Citibank on XX/XX/2021. A few days later Citibank told me they couldn't approve my loan because I have an active fraud alert in XXXX report, so I need to call them and have them remove the fraud alert. I called the XXXX and requested them to remove the fraud alert and they said on the phone that they removed it. So after giving sufficient time, I called Citibank back again on XX/XX/XXXX and asked them to rerun my credit report on so they could see that it was removed. They came back and said it wasn't removed. I called back XXXX and asked them to remove it again, after holding on the phone over an hour they apologized that it wasn't removed at the first time but they assured me that it was removed this time. So I called back Citibank again on XX/XX/XXXX and let them know that it was removed, so they reran my credit again and came back and said yes it was finally removed but they couldn't approve my loan because there were too many inquiries within very short time. I told them all 3 inquiries from XX/XX/XXXX to XX/XX/XXXX were actually for the same application, they still said they couldn't approve my loan and hung up the phone. Neither Citibank nor XXXX were working with me to remove the additional 2 inquiries that actually for the same loan. If this is not a perfect example for consumer abusive practices I don't know what is. Because of these additional unnecessary inquiries my credit score dropped 50 points. I need these 2 additional Citibank inquiries to be removed from my XXXX  credit report.
Product: Debt collection

By email, on XX/XX/year> I sent Credit Control a very detailed debt validation and cease and desist order. Today, they violated the cease and desist order by emailing me another collection email. As of today, they have not provided any information to me to validate the debt.
Product: Credit reporting or other personal consumer reports

This complaint is regarding my formal concerns about unidentified errors on my credit report, which I think were not appropriately revealed by your agency. These unsolved concerns may have a major impact on my credit score and financial situation, thus I want an immediate investigation to CORRECT 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}
Product: Checking or savings account

I filed a complaint with you earlier ( XXXX ). You have since closed this file but these people have not taken action as they said they would to my previous compliant. Company claimed they closed the fraudulent account. It certainly appears that that is not the case. Today I received a notice indicating my card would not work because it was damaged. In the memo it said do not say it was damaged say it is lost or stolen. Why do I need a card if there is no account? Further I continue to mail from these people about an account as well as a credit builder account which appears to be a second account. These people are impossible to contact therefore I must turn to you. It is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b. Also Company has NO permission to report ANYTHING using my info pursuant to 15 USC 1681a ( 4 )
Product: Credit reporting or other personal consumer reports

" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.


You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"
Product: Debt collection

A XXXX account by the name of Credit Collection Servic in the amount of {$300.00} has been reported to my XXXX Account.
Product: Debt collection

On XX/XX/XXXX 2019, I received a collection letter from Halsted Financial Services , LLC . The letter indicates that my account has been placed by XXXX XXXX, XXXX with agency for collections. The outstanding balance is {$310.00}. The original creditor is XXXX XXXX XXXX AND the current creditor to whom the debt is owed by XXXX XXXX, XXXX. 

This is a fraud because i have never applied any loan with the XXXX XXXX XXXX nor do I have a knowledge about the company. Someone stole my identiy to apply for the loan. It's also noted that I have never received any written notification in regards to the loan or statement from the XXXX XXXX XXXX. I just certainly received a collection letter on XX/XX/XXXX/19. The XXXX XXXX, XXXX has already reported my on the XXXX  agency and it has already effected my FICO score. 
I also filed a fraud report with a local Police department. I disputed a debt to the XXXX XXXX XXXX company and contacted XXXX  to dispute the collections.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Credit Bureaus, I just got another copy of my credit report and still seeing inquiries that I have no knowledge of or give consent to. Once again, according to Section 604 of the FCRA, would you kindly provide me with permissible purpose, proof that I initiated these inquiries, and written authorization for all inquiries listed on my credit report? If you have NO PROOF, I demand immediate deletion from my credit report.

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization, and have failed to provide a permissible purpose. Since, they do not have my authorization, written or verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose.

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 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.

The following companies did not have permission to request my credit report : Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with 15 USC 16c-2, remove all unauthorized and incorrect hard inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started an initial dispute on XX/XX/2019 regarding errors on my credit file. I requested that the items be deleted. I also submitted a Federal Trade Commission Identiy Theft report as well as a Police report regarding accounts obtained because of Identity Theft. Experian as yet to comply with section 605 of the Fair Credit Reporting Act. Please make sure they adhere.
Product: Credit card or prepaid card

False/wrongful Debt Collection from BestBuy/CBNA was reported to all credit bureaus has remained open since XXXX  without my knowledge. The account was to be closed the same day it was opened. The Best Buy employee didnt have my name correct or the correct address and above all that it wasnt the card I even applied for, I applied for a card that did not have an annual fee. I was expecting a check for the down payment/first payment that I put on a laptop I purchased but then returned the same day not 30 seconds after the purchase went through. I was told that because the account had technically been opened I couldnt get back my {$300.00} cash that I had literally put towards the first payment/down payment since it now fell under the credit card companies responsibility. Being that the name and address were incorrect I couldnt even log into my account to resolve this and therefore assumed that it was closed like I was told. Best Buy/Citibank/CBNA to this day still owes me a check for {$300.00} and I would appreciate a call from management to have it reimbursed to me and this stricken from my credit report because its honestly the right thing to do. Its frustrating for me to not have someone that can actually help me that works for that company for they cant even bring up my old account because its been so long which is just lazy and extremely poor business practice, not to mention disgraceful to say the least. I have contacted Citibank and spoke with multiple people who just say sorry, cant help you but they really just wont help me. I have tried so many times to resolve this in every way I can think of and even more Im tired of everyone delegating my issue to somebody else who just points their finger at another department spinning me in circles wasting my time and causing more frustration on an already frustrating issue. Is this really how how people should be treated and how a company should do business? This needs to be resolved.
Product: Payday loan, title loan, or personal loan

Financed new windows through XXXX XXXX. They broke our project up into 2 loans with 2 different financing companies. We have had problems since day 1 with XXXX XXXX. This project has been going on for 2 years now and still is not complete. I have numerous documents, e-mails, etc going back and forth. I have had numerous XXXX XXXX contractors, window manufacturers, managers, etc at my house trying to get this job completed. Every time it seems like we are getting somewhere all of a sudden that person is no longer employed with XXXX XXXX and we have to start all over. I have a list of so many names that we have dealt with that are no longer employed with window nation. This project has been a night mare trying to get new windows in my home. I have been paying on the one loan since the very beginning, but I was originally told by Service Finance not to sign off on any final documents until I the job was complete and we were satisfied. We continued to stay in communication with service finance and tell them the job was not getting done and explain all the problems we were having, they even told us they were having problems with XXXX XXXX communicating with them. Well about a year ago Service Finance started having new people take over our account and they have been very rude and nasty. They have told us they don't care if the project is done or not they are releasing the money to XXXX XXXX and we are responsible to start paying this loan. We have been asking to speak with a manager and are told one will call us back well that was from XX/XX/2022 and we have not received a call from a manager yet. When my husband spoke with Service Finance again today and asked to speak with a manager he was told NO and transferred to the complaint dept and spoke with a XXXX who said she saw all the notes on our account and we needed to pay this loan no matter if the job was done or not. We still do not have our new windows in and are now being forced to pay on the second loan. So XXXX XXXX is paid in full and our job is not complete. Where is our protection? Where are our rights? Why am I being made to pay for services I did not receive? Service Finance is a very rude and Nasty Company along with XXXX XXXX. I would not recommend either of these companies EVER!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested via telephone I have requested via letter I have requested via the cfpb portal the following THE NAME OF THE CREDITOR WHO REPORTED ON MY PERSONAL CREDIT REPORT IN 2019 and due diligence in the reported fraud address on my personal credit in my name of XXXX XXXX XXXX by unknown entity of XXXX XXXX XXXX XXXX Virginia to the the CFPB FTC AND USDEPT OF JUSTICE and Experian and XXXX  and XXXX. I HAVE CONTINUED TO REQUEST THE NAME OF THE CREDITOR ... AND THE ADDRESS AND THEIR PHONE NUMBER ... WHO REPORTED THIS ADDRESS..AS I AM ENTITLED TO REQUEST UNDER THE LAWS OF THE FCRA ACT and others. EXPERIAN XXXX  XXXX  FAX ME THE NAME OF THIS CREDITOR IMMEDIATELY. 
so my civil rights do not continue to be denied. My fax number to fax this info to is only XXXX
Product: Debt collection

Transunion continues to publish collections on my credit profile that arent mine. I sent them a dispute letter over thirty days ago and they have not responded. Also from what ive read they can not furnish items on the consumer report without the written consent of the consumer. 15 usc 1681 ( b ) ( 2 ) 1. XXXX XXXX XX/XX/XXXX 2. XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX card has been using my information to file inaccurate reports at the credit bureau. I trusted them with my information and what they have done for months is abuse my information, to the point that it feels criminal. 

XXXX card told me on a recorded conversation that what they tell the credit bureau doesn't matter and if I wanted to get a loan all I had to do was call them. This is not true and for them to say something like this to me says they can not be trusted with my information. Any and all they do with my information from this point forward will be documented and viewed as identity theft. 

I believe that I am not the only person they filed false balances for, I have conversations with them I have not posted yet that prove they are engaging in consumer fraud
Product: Consumer Loan

I took out a XXXX loan and I called Big Picture Loans and asked if this was a " payday '' loan, they stated no, They stated the Finance charge would be XXXX. I agreed to that thinking XXXX Time or over the first XXXX payments, I was not told it was going to be XXXX x XXXX payments for a total of XXXX. 
Nor was I told or had access to the truth in lending document until after I agreed and the document was uploaded to my acct. the annual percentage rate is XXXX the Finance charges will cost me {$2600.00} for a loan for XXXX the grand total would be XXXX
Product: Credit card or prepaid card

I opened this XXXX XXXX Synchrony Bank credit card back in XX/XX/2013  with only one authorized in store purchase. However, there has been fraud on my account and I attempted to close this account after the resolution. The bank, without authorization, opened my card up again and fraud continued. This has happened many times over the past years and the bank will not officially close my account.
Product: Mortgage

I was behind before the pandemic and paid over {$3000.00} to avoid foreclosure prior to pandemic and then they started process anyway. I am almost XXXX XXXX XXXX and they are taking advantage of me. I went through forebearance during the pandemic and have been battling Mr. Cooper for over a year-they won't accept payments unless it is the full amount, so now it is {$20000.00} behind and they keep denying modification as well. They said my only options are short sell or deed in lieu. I don't want to lose my home. They have that {$3000.00} for 2 years and haven't applied it to my account. Can I please get some emergency financial assistance to get caught up. I couldn't work for almost XXXX years as I took care of my XXXX mother. She passed away in XXXX and I am more than capable of making current payments. I just need help with the back amount.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate : XXXX  / XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

Despite my prior multiple attempts to address this issue, the incorrect opening dates remain unresolved. The incorrect opening dates listed for my accounts have caused significant inconvenience and potentially impacted my financial standing. It is imperative that these discrepancies are corrected immediately. To support my claim, I have attached all relevant documentation once again, including proof of the correct opening dates and any other supporting materials. 

Given the seriousness of this matter, I urgently request that your team take the following actions : Immediately correct the opening dates on my accounts to reflect the accurate dates. 
Provide a detailed explanation of the steps taken to resolve this issue and prevent similar occurrences in the future. 
Confirm in writing that the corrections have been made to my accounts. 
I understand that resolving such matters can be complex, but the prolonged delay in addressing these inaccuracies is unacceptable. Please provide regular updates on the progress of this issue until it is fully resolved. With this, I am asking for your assistance to correct the accounts : XXXX XXXX Balance : {$170000.00} ; XXXX XXXXXXXX Balance : {$35000.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$320.00} ; XXXX XXXX XXXXXXXX Balance : {$540.00}.
Product: Credit reporting or other personal consumer reports

Received emails and notification from credit beareu that netcredit had tried to open an account in my name