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

CHEXSYSTEMS QUOTES RULES AND THIER PURPOSE WHICH I HAVE NO OBLIGATION TO PERFORM, XXXX OPERATES ON A PRESUMPTION, I DONT HAVE ANY CONTRACT WITH THESE DECEPTIVE MISCREANTS, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX  XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL THIER XXXX XXXX AND GO ROUNDY ROUND WHILE THIER XXXX  ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE XXXX
Product: Credit card

I have received over the past 3 years several pre-approval notices from Barclaycard stating that I was already approved to go ahead and apply, when I do then I get a denial notice. This puts a HARD hit on a persons credit with all XXXX of the major credit reporting agencies. I again not even 3 weeks of being denied again from Barclaycard received another pre-approval notice asking me to apply. I called the number and the rep insisted that my denial must have been a mistake and to reapply. Sorry but I 'm not as dumb as most of the Americans that these banks believe we truly are. I want them to be fined!! These are deceitful practices which should be stopped immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX refuse to remove unverified information from my credit profile. I have disputed items on my credit profile numerous times and all XXXX keep sending letter saying all items were verified. These accounts are unverifiable and should be remove immediately, they do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX, Account XXXX multiple times across all three Credit Bureau and they have failed to annotate my account was " in dispute. '' Per Fair Credit Reporting Act ( FCRA ), when you file a dispute with the credit reporting agencies, they are required by the FCRA to show that the item is in dispute. They accomplish this by placing the code XB on the offensive credit entry. The XB code is whats referred to in my world as a Compliance Condition Code. When its placed in your credit report, it reads as Consumer disputes, investigation in process or some derivative of that wording. 

Since this has happened multiple times over the last year I want this account " DELETED '' across all Credit Bureaus due to the misrepresentation of the data on my credit file, impact to my FICO and increased in interest rates over the last year. There is no telling what else is not in compliance.
Product: Credit card or prepaid card

I am a Macys cardholder since XXXX. I went to store to purchase items and was offered a promotion To open a Macys XXXX XXXX for a significant discount on my purchase. I agreed and received information from representative that I was approved. Card came in and wasnt XXXX XXXX but another store credit card. I didnt request to have two Macys credit card accounts. I called store to address this. They said they werent sure why I would have gotten another Macys card when I already had one. Problem is I was offered and told I qualified for an XXXX XXXX but wasnt told it wasnt what I was approved for. The terminology on paperwork is not clear that it wasnt an XXXX XXXX until I got the card in the mail. No where did my paperwork say I was declined for the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Has a credit inquiry on my report that i didn't authorize.
Product: Debt collection

Walmart has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Transunion allowed fraudulent credit inquiries on my TransUnion credit report. I am requesting these to be blocked I am a victim of identity theft. These are the result of ID theft. XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX  were not authorized these are the result of identity theft please block this inquiries these are fraudulent. I did not authorize these.
Product: Credit card or prepaid card

American Express has my Membership Rewards account frozen and doesn't let me use my earned points in any way. I have contacted them about this in the past and they stated the points would be released after the 90 day review period that started on XX/XX/2019. That review period is over and the points are still not available. I've had 3 calls from the membership rewards team verifying I'm the person trying to use them and when I confirm it, they're puzzled on why I can't use them.
Product: Credit reporting or other personal consumer reports

I sent out letters but never received anything back its been over XXXX
Product: Debt collection

I received a call from XXXX XXXX XXXX XXXX, for an unpaid payday loan. He told me that I had been contacted several times for the unpaid debt, e-mail, and mail. I have received no e-mail, or mail concerning the debt. He told me that the parent company is going to press charges, he had my social security number. He also said that he would be contacting my places of work, and most likely will have to pay the court restitution of over five grand. I might even be put in jail. He would not give me a copy of the so called " affidavit ''. He told me that I would have to get a criminal attorney, because instead of suing me, the " company '' is going to press charges for fraud and theft. He also yelled at me for " crying '' /being emotional when he first called me. He called me 3 times in the past month. He called from a New York number : XXXX. His name is XXXX. He also said that he would be investigating me further, and contacting my employers as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is currently under litigations as a result of the company mailing missing statements from original debtor failing to prove the claimed amount of {$1600.00}. The original debtor ( XXXX XXXX  ) credit limit was {$300.00} therefore, XXXX XXXX has illegally added fees to increase the amount due. I have filed several disputes with Experian and they have failed to remove this collection due to false information being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX charge me for a charge that was not mine sent the police report that my items were stolen that a laptop and XXXX so my pw was saved on it violation or cra, ncac for credit unions XXXX showing incorrect amount costing me a loan usage and XXXX line of credit not showing with no balance making my usage of credit high
Product: Credit reporting or other personal consumer reports

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX, 2017 State Collection Agency placed a debt collection on my credit report in the amount of {$420.00}. I have requested validation of said debt and have only received a bill. The bill does not prove that the debt is owed. I do not have a written contract with State Collection Agency. I have not been provided a contract between them and the original credits for collection authority.
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 XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX 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 reporting or other personal consumer reports

I AM WRITING TO HAVE THE FOLLOWING INFORMATION REMOVED OFF MY CREDIT REPORT. I HAVE BEEN A VICTIM OF THE XXXX DATA BREACH. THE FOLLOWING INQUIRES NEED TO BE REMOVED IMMEDIATELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent inquiries that are persistently being reported on my credit report by XXXX. Despite my repeated efforts to resolve this issue, the false information has not been rectified, causing significant frustration and hindering my approval odds for various financial matters. I kindly request the intervention and assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter promptly. 

I have diligently followed the proper channels by contacting both the lenders, XXXX and Transunion to remove the fraudulent inquiries. However, despite providing supporting documentation and clearly outlining the fraudulent nature of these inquiries, XXXX and TransUnion has failed to take appropriate action. This has resulted in continued harm to my credit profile, impeding my financial opportunities and causing unnecessary distress. 

I urge the CFPB to conduct a thorough review of my case and exert its authority to ensure that XXXX and Transunion rectifies this situation immediately. The fraudulent inquiries should be promptly removed from my credit report to restore its accuracy and prevent further damage to my creditworthiness.
Product: Credit reporting

My credit score dropped XXXX points ... AGAIN due to an inaccurate reporting on this agency 's behalf. I have also, yet again, not experienced the same issue with either of the XXXX other reporting agencies ( my account balance is correct on each on, reflected a closed account with a {$0.00} balance. ) I recently refinanced my auto loan with XXXX, and they added the new account to my report which is fine. What was not okay, is that TransUnion reported the new information, but is still reporting that I owe the total of my previous loan payment with XXXX XXXX XXXX XXXX. This error, again, has drastically dropped my score due to the agency not reporting my balance as closed with {$0.00} balance as opposed to closed with a XXXX balance.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX : account number : XXXX.
Product: Credit reporting or other personal consumer reports

While reviewing my personal credit report no XXXX I noticed some inaccuracies In the public records in the public area of my file I am requesting a investigation be conducted and verify that the information on record XXXX is correct. 

I believe this may be a error because these do not belong to. Please verify and amend these mistakes and send me a updated credit report reflecting the accurate information. Thank you for your time XXXX XXXX
Product: Credit card or prepaid card

Since I had a money market account with SallieMae bank they advertised to get their credit card and Iif I spend certain amount of the money on the period I will get {$200.00} which I did open the account and that {$200.00} plus around {$40.00} for my spending was in my credit card account, last XXXX I find out my personal information is compromised and they try to get my money out of all my accounts in different banks and apply for credit card under my name and one of the banks and credit card was SallieMae account for that reason I spoke to the customer care center in the bank and credit card company and we decided to close the credit card and they transfer the money I had there around {$240.00} to my account in SallieMae. Since that time around month ago i called them more than 20 times and ask about the money credit card company saying they send it my account and bank telling me there is no money in my account. It's got to the point have no chose to report them for fraudulent activity.
Product: Vehicle loan or lease

I have an account with consumers portfolio, three months ago I called to tell them that I was having some hardship issues, I was off work because I was sick and my hour had been reduced. During the pandemic. I continued to make payments but I couldnt make the whole payment at once, three months has pass and I hear nothing from them, I kept sending text through their portal and no response, I always sent a messages letting them know how much I was paying and the date and when I would pay the difference. I got a email from them in stating that my car was going to be repossessed, I was puzzled because no one called or texted me, for months. I ask for help again and told they couldnt help me, I asked for a lower payment and was told no that they couldnt help me. 
I need help. I dont understand why the car dealership placed my car loan with a debt collector, when I traded my vehicle in for this one. I believe Im being taken advantage of my this company and the dealership.
Product: Debt collection

I have an outstanding collection of XXXX USD that is linked to my SSN with a balance date of XX/XX/XXXX. Lender is " XXXX XXXX XXXX XXXX XXXX '', date opened is XX/XX/XXXX, original creditor is the " XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently went over my credit report and I noticed that there are late payments reporting on XXXX, XXXX, & Equifax on XXXX XXXX XXXX XXXX Acct # XXXX. Its in clear violation for reporting. According to 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. They are in clear violation
Product: Debt collection

National credit system Its charged off The apartment was infested with mold had an emergency move out! 
Everyone got sick
Product: Debt collection

Allied Interstate LLC located is billing me for money that I had never borrowed from them.
Product: Credit reporting or other personal consumer reports

This school is not accredited and is not recognized with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I was never able to get a job with the certificate acquired from this school because the company is fraudulent. I do not feel like I should be responsible for repaying this loan. I tried to reach out to XXXX XXXX XXXXXXXX and equifax regarding the situation and their response to it was that the loans were verified and that I would need to continue being responsible for the loan. I do not believe that these companies did enough research into the school or the loans so now I am reaching out to you.
Product: Student loan

I do not understand and I have asked the company to talk to my aunt on my behalf and they refuse and the payments that they are setting are to high. I am not working at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit looks bad because inaccurate account on my report being reported and inaccurate information on me needs to removed asap!
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day almost 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has almost been 60 days so they should be promptly. I demand these accounts to be deleted immediately or I will file for litigations due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX-XXXX  - Balance : {$6200.00} XXXX XXXX-XXXX - Balance : {$450.00} XXXX XXXX-XXXX  - Balance : {$11000.00} XXXX-XXXX-XXXX  - Balance : {$450.00} XXXX XXXX XXXX-XXXX  - Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$250.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$860.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX - Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX - Balance : {$300.00} XXXX XXXX XXXX ( Original Creditor : TH XXXX XXXX XXXX ) -XXXX - Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX - Balance : {$110.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX - Balance : {$120.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX - Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) -XXXX - Balance : {$0.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00} ( Original Creditor : Medical ) XXXX - Balance : {$25.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, an unauthorized/fraudulent credit inquiry was made to FEB/DESTINY bank using my XXXX XXXX 

I attempted to reach Destiny Card, and haven't been speak to a person regarding the fraud. Please help remove this fraudulent inquiry from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX  have fraudulents on my accounts : XXXX XXXX XXXX   is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX