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

I received a letter from stern recovery on  XXXX  saying the three accounts i have with them will be removed. They stated they would send it to the credit bureau at the end of the month. It is now  XXXX   XXXX  and they are still on my credit report.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have the email from the insurance agency of the party who hit me they sent Harrison Harris, which is a debt collector a check, but the check was returned. I called Harrison Harris and gave them authorization to talk to XXXX XXXX. They are the insurance company of the man who hit me and my grandson, I said the check was returned and Harrison Harris never talked to them. XXXX XXXX sent me a check and told me to get a hold of Harrison Harris and send them a check. I got a hold of Harrison Harris. I found an address online and sent it to them that was on XX/XX/XXXX. I just got an email from my bank saying the check was returned that Harrison Harris Never cashed I called Harrison Harris today. They wanted me to pay money to your credit check. Ive already done a credit check on myself. Im a XXXX  every month. A credit is done on my bank account just to make sure. Harrison Harris harassed me for months for this payment at the XXXX sent money twice and neither of the checks have been cashed. I reported them to the Bureau for the way that they harassed me for months asking me for money when it should have done nothing with me. It shouldve done with the third-party that hit me, its not Bad enough points went up on my insurance because of somebody else hitting me and now I paid {$30.00} more a month and then a year now from being hit my grandson and I rear ended and the stuff is still going on. This is really XXXX should really take care of it. I mean, thats what theyre therefore is their job to deal with it. I shouldve never been sent to a debt collector because XXXX from the hospital so my fault the hospital bill twice one for the hospital and one for the position from two different sites. Insurance should have followed up with that not me yet. I am the one whos having to pay for a year out. still this is ridiculous or should I say a year and a couple months now, its very difficult to get a hold of them and number one. I shouldnt have to pay for credit check on myself. I can do it through my bank for free and Ive already done that. Theres nothing on there from the hospital at all. Its wrong Harrison Harris even ask for money from me should have got a hold of the insurance company like I gave them authorization to do to fix this
Product: Vehicle loan or lease

I bought my car XX/XX/XXXX about 8 months ago the 3rd party payment auto withdraw stopped coming out I was unaware until almost 90 days in I made some.payments and continued to go back and forth between my bank and the finance company about the payments not coming out. My bank said the 3rd party never attempted to take any.paynents, the finance company XXXX they would.investigate. I was exhausted and my payments fell behind. I have opened a new account and have been calling emailing and filing complaints directly with CONSUMER Portfolio. They would call blocked and leave vm and when I returned the call they never answered. I called XX/XX/XXXX through customer care and was transferred to a rep the rep said I need XXXX I told her I got paid today and that I would need to transfer I to the new account, after speaking woth management they refused my payment said I didn't have the money, which is not true. They said I could do cash and call back, I explained I work until XXXX XXXX  XXXX they are closed at XXXX XXXX  my time and they are only open M-F. I am willing to pay and have the money but I am being refused and talked down to. I have my vehicle and want to keep it. Please help.me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been asking Transunion, XXXX and XXXX for several months to update my information and they have yet to update it. The refuse to abide by the laws.
Product: Debt collection

I filed a police report on XX/XX/2023 once I pulled my credit report and noticed a lot of fraudulent charges. I was in the process of purchasing a house and noticed several inquiries and charges that are not mine. I have sent credit letters to the credit agency and filed the charges on identity theft. gov. Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

I did not authorize any of these inquiries : XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXX  Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing JXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing
Product: Credit reporting

I ASKED THEM TO PROVIDE ME COPIES OF DETAIL LETTER FROM THE CREDITORS FOR ALL THE INQUIRY IN MY ACCOUNT. BUT THEY ARE SAYING ITS VERIFIED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX : {$890.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXXXXXX Balance {$570.00} DEPT OF EDUCATIONXXXX XXXX Balance {$8700.00} DEPT OF EDUCATION/XXXX XXXXXXXX Balance {$3700.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX  Balance {$570.00} Note that this complaint is my follow-up complaint to ensure the listed accounts are verified immediately.
Product: Checking or savings account

On XX/XX/XXXX, I filled a dispute with Chime XXXX XXXXXXXX XXXX  ) against XXXX. It's been 4 days since I filed the dispute, and I still have not gotten an update. They claim they are still investigating but I actually found out that they never reached out to the merchant in the first place, prolonging the process. I can't get them to reach out to the merchant and I don't know why they refuse to do so. They should have contacted the merchant on the same day that I filed. The issue is urgent. I was scammed. I need my money back immediately.
Product: Debt collection

Hello! This has to do when the pandemic started and I had to move out of my apartment in 2020. There was a utility bill that I never received. I'm not sure if it was a result of the confusion that went on with the start of the pandemic and maybe it got lost somewhere. I thought I had paid the balances left for my apartment complex told me I was good to go. I just was unaware of it and if I was properly notified I would have done my best to resolve the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Customer Service UNIVERSITY ACCOUNTING SERVICE , LLC XXXX XXXX XXXX XXXX, WI XXXX Phone : XXXX Fax : XXXX Office Hours : Monday-Friday XXXX to XXXX XXXX  Central Time Email : XXXX XXXX XXXXXXXX I would like to file a complaint on UAS, the loan servicer for XXXX XXXX XXXX XXXX. I have two private student loan accounts with them. 

I have contacted UAS  and XXXX multiple times regarding forbearance, I lost my employment due to covid19 on XXXX of 2020 and I am also XXXX. In the last year and a half I have been given missinformation regarding my account, I have been advised that my loans are in forbearance while reporting to the credit bureaus that I am past due and heavily impacting my credit score and my ability to retain housing and transportation services due to the credit score being incorrect. 

UAS has single-handedly dropped my score over 100 points in the last year. I have filed disputes with the company, credit reporting agencies and UAS is continuing to advise me that my loan is in forbearance while marking my account overdue instead. Each time I contact them there is a different reason why and each time it takes over 3 months to resolve, while they advise me to wait they are also reporting incorrect information on my credit report.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018, I applied and received a short term loan from BigPictureLoans.com in the amount of {$1000.00}. 
On XX/XX/2018, I called XXXX to pay the loan off. Because it was within their so-called grace period, I was quoted {$1000.00} as the payoff. I was told the conversation was being recorded. They were to debit my bank checking account as of XX/XX/2018. 
I checked my account several times and the monies had not been debited. 
On XX/XX/2018, I called to inquire why it hadnt paid off yet. I was told that my recording of payoff on XX/XX/2018 was recorded with an incorrect date. They informed me that they tried to contact me of the error. My phone records and voice mails show no such effort to contact me. 
I said no matter, I called on XX/XX/XXXX and the payment should be honored. XXXX XXXX loans said no and my new payoff was with interest. I asked to speak to the customer reps. Supervisor. A lady named XXXX claimed she was a supervisor, though, I doubted she was. I insisted she send my complaint to her supervisors and she informed me that someone would call me for sure, the next day. No one called. 
My husband didnt trust them and told me to go online to make the payoff even though I would have to pay interest AND we would have a paper trail. 
On XXXX at XXXX I requested a payoff on their website. THE ONLY OPTION I WAS GIVEN WAS A PAYOFF DATE OF XX/XX/XXXX!!! So I requested payoff on XXXX, yet, no option online unless I paid more interest until they deemed ok to payoff on XX/XX/2018, a full several days later. Myhusband told me to pay because they will keep screwing us, so I did. 
These people prey on people. I am a XXXX XXXX who is struggling to keep clean. They count on that. Their practices are deceitful and leave very little recourse in dealing with them. Please help.
Product: Credit reporting or other personal consumer reports

I recently discovered a fraudulent collection account from LVNV Funding LLC on my credit report. The account, opened on XX/XX/year>, with a balance of {$660.00}, is tied to XXXX XXXX XXXX as the original creditor. I never opened or authorized this account, and it is the result of identity theft. 
I filed an FTC Identity Theft Report ( Report No : XXXX ) and disputed this account with LVNV Funding LLC and the credit bureaus, but the account remains on my report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I have the right to have fraudulent information removed from my credit report once an identity theft report is submitted. Despite this, the account remains and is damaging my credit and financial stability
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, The actions taken on my account by American Express, were not, and are not, in accordance with their rules and regulations, and are in clear violation of the Equal Credit Opportunity Act. These last minute alleged returned payments of XX/XX/XXXX and XX/XX/XXXX, which they claimed to have relied upon are nothing more than falsely represented online payment information, which appeared nowhere in my account information, prior to my complaint to the Consumer Financial Protection Bureau. 

It was never presented to me by any Customer Service personnel I spoke with, nor was it ever communicated to me, by anyone in correspondence with me during the numerous inquiries I made over this issue. 

American Express has knowingly submitted these allegations, as part of an ongoing effort to further injure me, and deprive me of equality and fairness, in my efforts to establish and maintain good credit. 

They are currently attempting to conceal their use of an invalid evaluation process and scoring system, which they knowingly used against me on XX/XX/XXXX, to unlawfully take adverse actions against me. 

When they committed these acts on XX/XX/XXXX, they knew at that time, that they were making false claims, which were discriminatory in nature, and were on their face, inconsistent, contrary, and in direct conflict with XXXX law, and their previous XXXX thru XX/XX/XXXX evaluation of my creditworthiness. 

In the month of XXXX of XXXX, XXXX XXXX months after obtaining credit card in XXXX ) I applied for and received a credit limit increase on this same card. I also at that same time, applied for and received a XXXX XXXX XXXX credit card from American Express. My total combined credit in that month alone, went from XXXX to XXXX At no point in time during, or after, the evaluation of my credit worthiness, to receive these significant credit limit increases, was this alleged recent information from XX/XX/XXXX, ever mentioned, referred to, relied on, used, or considered by American Express at that time. This is because, it did not exist in my account information at that time, nor prior. 

In the nearly 2 years that I have had this account, I have missed no payments, have had no payments returned whatsoever, nor have I ever been late in making a payment. 

Individuals within American Express have maliciously taken these adverse actions against me, for the sole purpose of denying me the equal right to fair and unbiased use of their credit card financial products. I am therefore requesting that actions be taken on my behalf, and others to end these discriminatory practices.
Product: Mortgage

Some time around XX/XX/2018 my checking account was double debited for my mortgage payment. Both my mortgage and checking account are with Chase Bank. I called Chase and over the course of a couple days they were able to fix the issue and return back the second mortgage payment. All is well until I noticed I never received credit for my annual 1 % cash back, a promo given by Chase at the time my mortgage closed. That credit is given annually, {$170.00} which is 1 % of my annual principle and interest payments. I have been receiving this promo since XX/XX/XXXX and it's for the life of the loan. I reached out to Chase where they have been unable to correct the issue. I have reminded them on multiple occasions that this error was caused by them and not me. The root cause of the issue is when the payment error was corrected the Chase representative removed my auto debit from my checking account. I never requested this nor was I advised this was being done. I let Chase know this was done without my authorization and I have been a long time customer who has ALWAYS paid my mortgage on time if not early. The auto debit was never raised as a concern to me because I always pay on the XX/XX/XXXXt or prior and the auto debit was set for the XX/XX/XXXX business day of the month. I am asking for my 1 % promo to be reinstated and that I received credit in my XX/XX/XXXX statement of {$170.00}. I had a remaining 24 years left of promo credits totaling {$4100.00}. If they are unable to fix this issue going forward due to technical capabilities then I would expect them to honor their commitment up front and avoid future issues or having to do this every year. I will mention again, I tried on multiple occasions to fix this with Chase and they are not helpful at all or even care about their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to move into a new apartment and was denied because of my credit. When I went to look at my credit report I saw several things on my credit that do not belong to me. I'm not sure how this has happened, but I called the police and got in correspondence with the FTC. I really need these removed as soon as possible so I can move : XXXX XXXX XXXXXXXX. DPT EDXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As cosigner on a loan I was notified after the payment was late ..under 30 days ... and paid the loan off myself over the next 90 days. The loan does not show any online payments on my credit report only 1, 30 to 59 day late payment when the pay history other than the one instance was perfect. Reported fraudulently with bias against myself by the lender and must be removed entirely due to violation on fcra.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. Unpaid balance reported as a loss by credit grantor XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


2. there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete this account. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX FCU Date of inquiry : XX/XX/year> Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX FCU Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Prepaid card

On XX/XX/XXXX, I activated a AMEX prepaid card that I was given by my employer as a bonus. I confirmed that this card was legitimately sent by my employer and I confirmed the amount given was {$500.00}. Within minutes of activating the card, I made one online purchase of approximately {$160.00}. Then, multiple additional charges appeared on my account for in person charges at XXXX XXXX XXXX XXXX XXXX in XXXX, AZ, totaling approximately {$260.00}. I live in XXXX Virginia. I immediately called AMEX to dispute the charges. They informed me that there is a review process that could take up to 3 months to resolve. On XX/XX/XXXX, I received an email from AMEX informing me that my request for reimbursement has been declined and that the stolen funds would not be returned to me. I called customer support asking for more information, which they refused to provide. I asked for a supervisor, and was told by the supervisor that they would not be providing any information about the review process or the facts discovered which lead AMEX to deny my dispute.