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

This is not a complaint about any information on my report, only a complaint about the accuracy of my FICO score. 

I have a free basic membership with Experian and get monthly reports. It reports on 2 loan balances and they have been accurately reporting the balances as decreasing since XX/XX/XXXX. It accurately reported an increase one time and has been going down again. 

Suddenly on XX/XX/XXXX I was notified that my FICO score decreased by 23 points, from XXXX to XXXX. I looked at my free annual reports at the 2 bureaus that would show it online and there is no derogatory information. 

My complaint is that when calling on the phone I was told I can not dispute a FICO score. I was given the run-around and told by two different departments ( membership and complaints ) the same thing. There seems to be no way to determine why my FICO score would drop so precipitously within a month.

They kept telling me how complicated the algorithm is to figure FICO scores which I understand. But they SHOULD BE ABLE to tell me WHY it dropped.
Product: Credit card

Please review the documents attached. I ask the bureau to start an investigation into these accounts, which I consistently pay on time, but are being reported as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been transferred to another company without my consent.
Product: Credit card or prepaid card

Early morning XX/XX/XXXX I received a call from the fraud department of my credit card company, Citi, that there was unusual activity on my credit card. The agent informed me that there were three charges at an AT & T store in Georgia for nearly {$1000.00} each. I let the fraud agent know that none of the charges were mine and I was told that all three charges would be removed, my account closed, and new cards shipped with a new account number. However, only one of the charges was removed from my account and the other two remained. It wasnt until a week later when I received my new card and went in to activate them that I noticed the charges had not been removed. I called the fraud department and was told that the original agent didn't notate that I disputed all three so the other two would be left on my account. After explaining the issue repeatedly, the agent finally agreed to remove the charges. Guess what ... same story, charges were not removed.. so I called again and spoke to another agent and same result. I also disputed the charges online and nothing. I dont know how I can be charged for something I didnt buy and I clearly told the original fraud department agent that I disputed all three charges ... I am a 20+ year cardholder and can not believe that I am being treated this way. I want the charges removed from my account.
Product: Debt collection

This complaint is with One Main Finacial in XXXX, NC. An employer there called my place of business, XXXX XXXX XXXX, as I am a XXXX. She called about a late payment on XXXX XXXX, XXXX in the XXXX  My payment is not due until XXXX XXXX, XXXX. A deferment agreement was signed on XXXX XXXX, XXXX to skip the month of XXXX as we tried to be proactive and realized we wouldnt be able to make XXXX payment but would be back on track in XXXX. One Main has my cell phone and my wifes cell phone. My wife was never contacted. They called my employer first and when payment isnt even due. Their response when I called was that, well you called back, and that they never received the deferment. When I asked for an email to send them th confirmation email I received when I requested the deferment, I was given one, but told it probably wouldnt work. They have been repeatedly told not to contact my family, other than my wife, and under no circumstance to contact my employer or wifes employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX does not have my consent to report on my consumer credit report. I did not apply for a loan. Banks dont loan money. I have only ever received extensions of my own credit. Cease and desist communication. This account is fraudualent. An identity theft report has been filed. This account needs to be removed immediately as previous attempts with credit bureaus since the day it showed on my report have not been successful.
Product: Checking or savings account

My account was closed was my fault. I was told back on XX/XX/XXXX and said it will take 60 days for my money to be sent. It is now XX/XX/XXXX and I still have received my money. Just got off the phone with them and it's still in XXXX! USAA is a horrible company and should go out of business for XXXX lawfully holding my hard earned money! I had a checking and savings account with them and they haven't sent any payment at all.
Product: Debt collection

I have answered phone calls and received texts looking for someone who owes a debt I have asked twice now to have my phone number removed and to stop calling me. Both times the gentlemen were rude and kept asking how to get a hold of this person. I am not the person so I wouldnt know.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I was surprised to see several inquiries from your company that I never authorized. These are now impacting my credit score, and its been really stressful to manage.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX three credit bureaus has been reporting inaccurate information that has been demential to my report. This is violating my rights under the FCRA laws and certain transactions.
Product: Credit reporting or other personal consumer reports

After reviewing a recent dispute correspondence from Equifax # XXXX I'm not satisfied with the results of their Investigation. I disputed the debts on my Credit Report and did not receive validation of any of the Account XXXX XXXX Account # XXXX ( No Date of Last Activity, ) No Balance, ) Only That the Account Has Been verified as Accurate. XXXX XXXX XXXX Account # XXXX ( No Balance, ) ( No Date of Last Activity. ) Only that The Account was verified as XXXX. XXXX XXXX Account # XXXX, Balance Updated XXXX {$1600.00}, Account Closed Written/Off.XXXX XXXX XXXX XXXXXXXX, Balance Updated XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX {$1000.00} Credit Limit $ XXXXXXXX XXXX  Account # XXXX, Balance {$1100.00} Credit limit $ XXXXAccording to The Fair Credit Reporting Act ( FCRA ) ,15 U.S.C.1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumers reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. Furnishers of Information must provide complete and accurate information to the credit reporting agencies. If negative information is removed as a result of a consumer 's dispute, it may not be reinserted without notifying the consumer in writing within 5 days.
Product: Debt collection

Notice for Proof of Claim Account : DIVERSIFIED CONSULTNTS # XXXX**** To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Debt collection

this company is violating my rights under they have not provided validation information under 12 CFR 1006.34 ( B ) ( 5 ) yet they have placed a collection on my consumer report recently also violating my rights by using false and misleading information ' i have made previous attempts to fix these directly wit them and they are violating my rights XXXX entitled to {$1000.00} for every violation i listed they either pay me or delete this accounts ASAP
Product: Checking or savings account

Capital One is withholding my deposits and I have no one of paying my bills. A total of two checks for {$3800.00} should have been deposited on Wednesday and Thursday at the latest. I have no money.
Product: Checking or savings account

I wrote a check to the US Department of Treasury for {$3900.00}, and mailed it in XXXX. I made an error and put the check in the wrong envelope, and it went to the City of XXXX XXXX, Missouri instead. The City then deposited it, and the bank made payment in the amount to the City. The check was not made out to the City. The back of the check clearly indicates it was deposited by the XXXX City Treasurer. BMO Harris should not have paid those funds to the City of XXXX. I raised the issue with the bank today, and they said they don't have any further information other than what is on teh check, refused to acknowledge responsibility, and directed me to the local branch to file a fraud and forgery report. But, this is not fraud or forgery, it is the bank issuing payment inconsistent with the payment direction on the check. 

This was the response in the chat, after noting that the endorsement did appear to be by XXXX, rather than the US Dept of Treasury. 

Thank you for your patience XXXX, after further reviewing, my back office was not able to locate any other information. They only can see what we are seeing. The manager said in this case if they were not suppose to receive these funds you will need to file a Fraud and Forgery dispute. This will take place a local BMO branch you will need to fill out a Fraud and forgery affidavit form and have it notarized. I asked why did we allow it to go through and they mentioned due to the depositing side not finding any errors with the check it was able to be processed. They did ask if you had any open accounts with the city treasurer because if there was no account to place these funds in they should have sent it back.
Product: Vehicle loan or lease

On XX/XX/23, I mailed request to Burns Chevrolet, to send the disclosure pursuant to XXXX -see below : that was never given to me at no time from beginning too now. I want to opt out from them sharing my personal information to any 3rd parties, including consumer reporting agencies. And at this time i haven't heard from them. see the law below Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt out 1 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option
Product: Credit reporting

Experian is reporting information on my report that has passed the 7 year mark. According to the statute of limitation the information is inaccurate. XXXX -student loan acct # XXXX Date opened XX/XX/1999. This should not be on my file.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

I contacted U.S. Bank on XX/XX/24 at XXXX XXXX regarding my remaining balance of {$1400.00} ( Checking ) and {$5.00} ( Saving ). I provided proof, and the U.S. Bank has dismissed the issue and treated it as a minor issue. U.S. Bank has taken Union Bank and converted customers of Union Bank to U.S. Bank. Union Bank ceases to exist. U.S. Bank is fully aware of the unresolved issue and still has not fixed the problem. I obtained information from my bank account linked to my credit card, XXXX. To my recollection, U.S. Bank stated that my bank account is closed. I have not received any official letter stating that both accounts have been closed. U.S. Bank failed at not only transferring funds from Union Bank to U.S. Bank, but they did not provide proof.
Product: Credit reporting or other personal consumer reports

I DONT RECOGIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 had a deferred interest loan/card with Synovus Bank / XXXX XXXX XXXX - I paid account IN FULL - before it was due, and that balance was over 45 days ago. The company REFUSES to accurately report my balance to the credit bureau as {$0.00} balance. When calling, I am told the only option I have to report {$0.00} - which company verifies my balance is indeed {$0.00} is to CLOSE the account. In both instances - closing my account as well as FAILING to report my ACCURATE balance hurt my credit score and financial image. I want the account to be open, I may need a product using this company in the future. However, regardless, they have a duty to accurately report my balance to all 3 credit bureaus.
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 : XXXX XXXX Account NumberXXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX  XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

My Name is XXXX XXXX. Am looking at my credit report and there are 8 hard inquiries from the following companies that an disputing because i haven't had any dealings with them. 
1. XXXX. There are 5 inquiries from this company dated - XX/XX/XXXX - XX/XX/XXXX Two inquiries on the same day. 
- XX/XX/XXXX - XXXX. 
2. XXXX XXXX- there are 2 hard inquiries dated - XX/XX/XXXX - XX/XX/XXXX XXXX. XXXX XXXX. There is 1 XXXX dated XX/XX/XXXX. 

I have not had any financial dealings with these companies and thus would like to dispute these inquiries. 

Yours respectfully XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I will be filing a lawsuit against the XXXX finance company on the grounds of harassing phone calls all day and all evening, and they have put this on my credit report after I have told them the situation. Plus on the contract they over changed me almost {$17000.00} more interest on the vehicle I purchased when originally the vehicle was {$15.00} or {$16000.00} totaling the whole auto loan to {$34000.00} and some change with a XXXX year term on a XXXX XXXX XXXX XXXX XXXX I am watching it daily to see the car note reported as past due when they know the situation I am in. I called them firsthand to let them know what is going on but it seems they dont care and want their money either way it goes. They have placed the loan and car note in default already. Why would I pay for something XXXX dont have? Them and XXXX have ruined my credit. Please Help!!! 

Have any questions please feel free to contact me. 


XXXX XXXX XXXX XXXX : XXXX Home Office : XXXX Home Office Fax : XXXX Corporate Office : XXXX Corporate Office Fax : TBA Email XXXX : XXXX Email XXXX : XXXX Company Email : XXXX
Product: Credit reporting

XXXX XXXX XXXX company put {$26.00} collection account on my credit report without contacting me, or giving any notice or invoice, 4 months after I closed account and paid it in full. After I closed account in XX/XX/XXXX, for few months I called every month asking what is my final bill is, they could not tell me because they " did not read the meter yet ''! Finally, XX/XX/XXXX I called and they told me I owe {$28.00} outstanding. I paid the {$28.00} immediately. I never received any bills or notices that I have any more outstanding balances. All my mail was duly forwarded. Then all of a sudden XX/XX/XXXX i saw a " collection account '' from XXXX XXXX for {$26.00} on my credit report! For 10 months now I am trying to get it resolved thru Experian Credit Agency. I submitted dispute. After 30 days they informed me that " they verified the account ''. No additional information was provided as to exactly what information was verified and by which documents it was verified. When I tried to dispute their " investigation report '' they said this account was already investigated once and refused to make any further investigation into this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not provided me with copies of their investigations they used to verify incorrect information that is being reported on my credit report on several accounts. I have sent numerous letters to them, with no response, starting XX/XX/2021, XX/XX/2021, XX/XX/2021, and finally XX/XX/2021. They have blatantly disregarded the law and my rights and I am done after 6 months of trying to work with them.
Product: Debt collection

XXXX I was served a summons for payment on a debt. I signed and agreed. 
In XXXX of XXXX, I agreed to making payments to company. The judge agreed and signed off on payments. I paid every month. The company never responded to payments made online on their website and they did not give receipts. Court papers show payments were made in the amount of total {$300.00} on an {$1100.00} debt. 

XXXX the company started a garnishment on my wages stating I now owed XXXX. This was not reflecting the {$300.00} paid. They garnished my pay for the total amount including my bank account and job paycheck. The document states " Plantiff is NOT seeking continuous garnishment '' XXXX The company garnished again for {$540.00} XXXX after all debt was paid, the company garnished another {$570.00} with no explanation nor communication to me. They just took the money after the debt was settled and done. 

XX/XX/XXXX Now I have received a statement from my new job that they are garnishing again for another {$820.00}. They have no contacted me nor tried to settle any additional debt, but now this document reads " Plantiff is seeking continuing garnishment ''. The debt they have previously garnished has more than enough settled the original debt but they have not closed the debt or account and continue to garnish my accounts every year for the same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following fraudulent inquiries about a month ago, however, the credit agencies updated my report as verified. In accordance with the FCRA, a company must provide physical documentation in order for the up date to be valid. And I never once received any type of physical documentation, therefore the inquires in dispute should be permanently removed and them inquires are, XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX.
Product: Debt collection

XX/XX/2017 I OBTAIN A COPY OF MY CREDIT REPORT AND I NOTICE AGAIN XXXX XXXX XXXX CURRENTLY REPORTI

NG FOR 6 ACCOUNTS WHICH APPEARS TO BE DUPLCATE OF 4. ITS 6 ACCOUNTS 4 ARE THE SAME SHOWING THE SAME ACCOUNT NUMBERS BUT DIFFERENT OPEN DATES WITH THE SAME AMOUNT I CONTACT
ED XXXX XXXX XXXX FOR VALIDATION AND AFTER 30 DAYS I RECIEVED NOTHING I DONT BELIEVE THESE ARE MY DEBT AND SHOULD BE REMOVED IF XXXX XXXX CAN NOT PROVIDE THE PROPER INFORMATION ON THE DEBT REPORTED
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XX/XX/XXXXXXXX Balance : {$4900.00} ; XX/XX/XXXXXXXX Balance : {$4700.00} ; XXXXXX/XX/XXXXXXXX Balance : {$5500.00} ; XX/XX/XXXXXXXX XXXX : {$4100.00}.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/XXXX. I seen some hard inquiries that did not have permissible purpose. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX