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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX Inquiries XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX ; XXXX XXXX NA XX/XX/XXXX Collection : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Equifax Inquiries ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EMPLOYER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit card

I spoke to five people at Goodyear Citibank, three were in the customer service department and two were in the collections department at XXXX on XX/XX/XXXX, no one quite knew what to do with me. I asked for any one who could help me with regards to taking three delinquent payments off of my credit, I did not want a refund or anything of the source, just the creditor to go to the XXXX credit bureaus and redact the delinquent payments as they occurred in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all of which occurred during the COVID-19 pandemic and should be protected under the CARES Act, all three payments and any associated late fees were payed promptly in XXXX of XXXX after I regained my footing. My state at the beginning of the COVID-19 pandemic had some of the strictest laws in the country with regards to the COVID-19 pandemic with many places of employment completely shutting down. I confirmed with a customer service agent and a collections agent that my account shows a XXXX  dollar balance to this day. Two of the people I spoke with, were supervisors, and to my understanding, both of whom told me that essentially I can not write a complaint here because I had no protection? However, everywhere I look states that Goodyear Citibank is, so I am a bit confused there and I don't see an exclusion on the CFPB for Goodyear Citibank. One supervisor, when I stated so to make sure I'm understanding this right, Goodyear Citibank is not protected and so I can not report a complaint through the Consumer Financial Protection Bureau ( which up until that point is how the conversation was going ), then redacted what they stated and that they believed that my card was not protected and then when I pushed further I was told that she can not see if my card was protected, so to be XXXX, I'm unaware what the truth is here. They then told me to submit this issue through the credit bureaus and was going to provide me with the XXXX XXXX numbers for them, to which she provided XXXX and then I declined the rest as it is a very quick and straight forward google. I also was not able to speak to anyone who could actually provide me guidance or help, as I asked repeatedly for someone who could help resolve this matter ( if it wasn't obvious given I spoke to two different supervisors and 5 people in total in two different departments ) as we went round and round and I was being XXXX  walled.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax due to fraudulent collection accounts that have been incorrectly listed on my credit report. The accounts, listed under XXXX XXXX for account number XXXX, XXXX XXXXXXXX for account number XXXX, XXXX XXXX for account number XXXX, and XXXX for account XXXX XXXX, do not belong to me and I believe they are the result of identity theft. Despite my efforts to resolve this issue directly with the credit reporting agency through several formal disputes, the accounts continue to appear on my credit report. These errors have caused significant financial hardship, negatively affecting my credit score, resulting in denied loan applications and increased interest rates on existing credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Check my credit report and seen a hard inquiry on XX/XX/XXXX that was never done by me from XXXX XXXX I called on XX/XX/XXXX spoke to a XXXX she said it was for an XXXX XXXX account which I told her I have never applied to that and they should not be on my three credit bureau reports she advised me she would submit a report stating if this could come off my credit report I advised her that it should never be on my credit report at all as a hard inquiry as I never did this she said if she can do anything she will switch it to a soft inquiry instead of a hard inquiry but she cant guarantee anything as it is under my name I told her I am filing a report with your agency. As this has reported on my credit report and had a negative impact to my credit score as a hard inquire I want this off my credit report and I never applied to chase bank
Product: Mortgage

I have made all timely monthly payments of XXXXXXXX XXXX This loan was originated as a fully amortizing loan however the lender is applying my payments as interest only which were NOT the signed and recorded terms that were agreed upon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've requested that Credit Karma correct how they are reporting some information on their site regarding XXXX accounts. They are reporting that XXXX XXXX accounts are deleted and on the same page they are still listing the accounts as mine as well as still reporting ... Which is it
Product: Credit reporting, credit repair services, or other personal consumer reports

During the time frame of XX/XX/2017 to XX/XX/2017, I was stationed at XXXX XXXX, SC, attending XXXX XXXX. During this time I had no access to my account and was unable to make phone calls, My rights under the The Servicemembers Civil Relief Act, protected me from missing payments during training under these months. After training, I made multiple attempts to contact Chase to settle these issues, only to be denied access to my accounts due to my email address being compromised. I settled by making payments on my account, but my credit was severely affected. As this credit is 3 years old, I have been forward XXXX  to XXXX for 3 years, with 1 year being in the XXXX XXXX, and other parts of the earth. I am now trying to settle this dispute again, after multiple calls from my wife, who was denied access to my information, even with a power of attorney. I wish to fix my credit at this time, erase the credit history that was built up due to lack of communication, and be reimbursed accordingly to the SCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX XXXX XXXX  lost our XXXX Mortgage payment. We were sending them checks via receipt requested certified mail due to our filing chapter XXXX bankruptcy in XX/XX/XXXX. We have proof ( attached ) that the check arrived at XXXX XXXX but was never processed. When we discovered our payment had not cleared the credit union my wife call XXXX XXXX. They advised us to wait a couple of days and the payment would be credited to the day they received it. After two more days my wife called again. The Supervisor suggested we cancel the check and send in another check. We sent in XXXX and XXXX payment on the same check. ( attached ) ( Our concern was our Bankruptcy was due to be discharged in XXXX and if we were late on the Mortgage it would void our bankruptcy after 59 of 60 payments to the court ) Attached are records of correspondence with XXXX XXXX : 1. 13 phone calls with dates and names of XXXX XXXX  representatives from XX/XX/XXXX to XX/XX/XXXX trying to get this straightened out. 
2. Canceled checks and electronic transfer records showing we have NEVER been late during the time in question. 
3. Copies of credit reports showing XXXX XXXX has reported us 30 days late on numerous occasions. 
4. Credit report showing XX/XX/XXXX payment was credited on XX/XX/XXXX and still reported 30 days late for XXXX. 

Since our Bankruptcy was discharged we have been unable to purchase a much needed replacement vehicle due to subprime interest rates. XXXX credit score was XXXX now due to incorrect multiple 30 day late reported XXXX. 

As you will see by the attached documentation I hope other XXXX XXXX customers aren't put through what we have been through. Please help!!!
Product: Credit card

To Whom It May Concern, My name is XXXX XXXX, My account number with Barclay Card is XXXX. I received mycredit card statementin the mail and noticed I was charged twice for flights from the XXXX to XXXX back in XX/XX/XXXX. My wife used my card without my authorization, when the credit card company called me I told them there was no authorization for this charge and to cancel it ; they said they would. In the meantime my wife never received a confirmation for these flights thereforeshe understood that the flights were NEVER booked. I was charged twice for this charge and wish to be refunded for this, Ideclined the charge when Barclay Card called and on top of it my wife never received confirmation for the flight. I then was only reimbursed for one charge and not the second, if I DID NOT authorize this charge how is it that I was charged TWICE? I have been dealing with this issue since XX/XX/XXXX and have received no resolution through Barclay Card regardless of numerous phone calls and e-mails. I live on a budget and this charge to my credit card is a heavy burden, especially receiving no adequate resolution on an issue I have been dealing with since XX/XX/XXXX. The card was charged on XX/XX/XXXX and XX/XX/XXXX, if you have any questions do not hesitate to contact me at my personal phone number XXXX and e-mail address is XXXX .I am writing this e-mail XX/XX/XXXX. Please help me with this issue
Product: Credit reporting or other personal consumer reports

Obtained my credit report and have unauthorized inquiries on my profile XXXX XXXX ( retailer ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( retailer ) XXXX XXXX 3.SYNCB/PAYPAL ( bank ) XXXX XXXX 4.SYNCB/ AMAZON ( bank ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate items reporting on my credit report and that is against the law.
Product: Credit reporting or other personal consumer reports

I found unauthorized inquiries on my credit report today, and Im baffled as to why. I routinely check my report, but these discrepancies are new and alarming. Even after refreshing my browser, the issue persists. Im feeling extremely frustrated and need you to check the documents Ive submitted thoroughly so I dont have to deal with this again.
Product: Debt collection

Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : During the pandemic many people suffered financial struggles, I was one of them but I have always been able to pull through hard times somehow, this pandemic was different and harder. All of my creditors worked with me including the one I am complaining about. I took differed payment programs from no less than 10 banks and creditors, and was thankful to have the help, I was reluctant because I did not want to have to take the offered help because of pride I suppose. We recovered slowly and eventually paid everyone. I have had stellar credit for 30 + years until now. XXXX XXXX XXXX, during this pandemic and while I was getting on my feet reported two 30 day late alerts to the credit reporting agencies. In there defense they did offer me deferments with no penalties I accepted, as I was getting caught up though, I told them I did not want to use anymore deferments and that I would get caught up, this is where the problem comes in. Without any warning and while I was in constant contact with them they alerted the credit bureaus negatively DURING A PANDEMIC! NEVER TELLING ME OF THE CONSEQUENCES, Of course under normal circumstances this would be normal practice but not during a pandemic and not while I am working with them. Yes I should have taken the additional deferments. Never did I think they would do this. I said I would catch up and catch up I did to the tune of more than {$30000.00} in payments to them in the last 3 months. 
This should be corrected and removed from my credit history, it is totally un fair in situations like this. 

Sincerely XXXX XXXX XXXX XXXX
Product: Prepaid card

Policy was canceled leaving me without coverage due to auto-pay having said to be declined by Direct Express . The auto-pay was with XXXX XXXX XXXX XXXX Representative from XXXX said payment was attempted once on the XXXX of XXXX of 2019. Then because of the " declined transaction '', the policy was taken off auto-pay and never was attempted again for the payment. Consequencely, said policy then was canceled for lack of payment.
Product: Credit card

I recently was a victim of a car burglary Case number XXXX  XXXX with the XXXX XXXX XXXX. Numerous items were stolen from my vehicle such as my personal identification ( SSN ), financial documents, driver license, including but not limited to my laptop which has all my passwords saved on it. Along with several credit cards, it. I lost access to my personal information and encountered several compromised accounts. this has resulted in fraudlent activity on a multitude of financial and many attempts to further compromise me. I had to dispute due to fraudenlent activity a total of 24 transaction that went through along with numerous others that were attempted by an individual utilizing my capitol one stolen Credit card ( s ). which resulted in numerous credits as they undergo investigation further more I recently paid my balance in full for the account which including a late fee and 2 months worth of interest charges on the XXXX of XXXX before my cards were unknowningly compromised. However ; I was recently still charged interest on the full balance of the account for the charges that were disputed and flagged and it was stated the reason being was because capitol one will charge interest for consective months until ( 2 ) successful full payments are made. I further disputed how I could owe and pay a payment on a XXXX dollar balance if it's paid in full and was denied access to the terms suggestion other wise
Product: Debt collection

Afni, Inc. reported to the three major credit reporting agencies that I owed XXXX dollars for an XXXX XXXX XXXX account. I contacted them by phone to inquire about this dept. They told me that I owed this money for an XXXX XXXX XXXX cell phone account. I explained to them that I do n't recall ever having an XXXX XXXX XXXX account, and ask them to validate this account. They refused to do so, so I ask who owned the account, and they replied that XXXX XXXX XXXX did, so I then told them I would call XXXX XXXX XXXX. His reply was go ahead, they will just refer you back to us. I called XXXX XXXX XXXX, and spent at least 30 minutes on the phone with 3 different  departments, and they had no record of this account, searching by name, ss number, phone number. I did this twice, and spoke to different people each time. They had no record of this account. I then called Afni back, shared this info, and tried to get them to validate the dept. instead, they question me of why I needed this info, and tried to coheres me into filing a report of identity theft. They continue to refuse to validate this dept, which probably is false.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report XX/XX/XXXX. I noticed some hard inquiries that did not have permissible purpose. I also attached evidence. I would an update email with each I inquiry deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. ( XXXX XXXX, XX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. ( XXXX XXXX, XX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my consumer report is still on my report after multiple disputes. My most recent dispute has gone well over 30 days XX/XX/2023 to now.According to the FCRA any dispute that is not answered within 30 days the information must be deleted.
Product: Credit reporting or other personal consumer reports

Transunion was supposed to have deleted XXXXXXXX XXXX, XXXX XXXXXXXX and XXXXXXXX XXXX XXXX along with hard inquiries not attached to any accounts on my credit profile. Transunion told me I have to verify these accounts wasnt mine but when I asked can they send over information as to how they verified these accounts they denied mmm any information saying they can not be they dont have the information to do so. Transunion is a scam company
Product: Checking or savings account

I have all the correct paperwork to prove what I'm saying.. people at usbank stole XXXX from my XXXX XXXX they stole refunds pretending to be the XXXX  just to get information from me.. they refuse to give me any information telling me my account is closed when they can't close my account XXXX is the one that open and closes my account
Product: Mortgage

PNC Bank acquired our mortgate from BBVA Compass Bank several years ago. We have never been late nor missed a payment. We are on Social Security income only and the funds used to pay the mortgage are received ( deposited direct ) to our bank on the XXXX  Wednesday of the month. As soon as the funds hit the account, payments are set up through the bank to pay our bills due the first of the following month. We have done this each month as long as PNC has had the mortgage without any confusion or problem. Of Course we are paying early which we deem necessary to do as funds are tight. This past XXXX, the payment was sent by our bank per usual arrangement on the next business day after the XXXX Wednesday. Out of the blue, someone at PNC decides this is an early payment and assumed it was meant as extra money to apply to the principal. Had never happened before as the entire history of our loan payments will show. Ofcourse when no additional payment was received on the XXXX of XXXX, PNC declared us late and now a month behind. This has been explained clearly to them on several occasions but they refuse to correct by simply reversing the erroneous entry and applying it as it shoub have been for the XXXX payment. They are blaming us soley because we paid early. How can thar be when we paid exactly as we have every month since they have owned the loan. How can an early payment logically become a late payment that is our fault. We do not believe the loan contract gives PNC the right without our permission to arbitray change application of the monthly payment amount.Thank you for looking into this for us.
Product: Debt collection

A Debt Collection named in the complaint ( Hayt Hayt & Landau, LLC ) keeps attempting a debt that was already satisfied with the actual original creditor Named XXXX XXXX XXXX XXXX as fraudulently opened and closed which no further collection attempting such have continued under the law. I have written the collection numerous times that they need to stop attempting to collect on the debt that was Satisfied with the Original Creditor with documentation to support my claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/1973 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX To whom it may concern, I was informed by your company ( XXXX XXXX that ( XXXX ) with ( XXXX XXXX ) was deleted from my credit report. 
I have now realized that this same item was reinserted onto my credit report! 
In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.C S1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) Is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after the Reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I have received no such Notification, this is a serious violation of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA I demand that you immediately Delete this account from my credit report in order to avoid legal action. 

Sincerely Yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$3400.00}