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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXXand still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Debt collection

Pro collect is trying to collect {$330.00} for XXXX XXXX apartments when I have never lived or applied there. They claimed that I may have co-signed for someone and I did not. This is not my debt and they refuse to delete it from my report. I was never sent a dunning letter about this debt prior to it hitting my report and they have not be able to provide a copy of the lease contract that they allege that I had with The XXXX. I spoke to a representative today ( XX/XX/2018 ) and he says he was looking at my lease contract but he refused to email it to me. I want this erroneous debt removed from my report ASAP!
Product: Mortgage

There was a letter sent to myself and my husband from the mortgage company explaining to us that there was a note to be paid to them on the first of XX/XX/2020 in the amount of XXXX. We attempted to make this payment over the phone to the mortgage company and we were told by representative that we could not make the payment because the account needed to be reinstated. When we acquired what was meant by reinstatement, the representative could not and did not explain that process to us. So, the payment for the first of XXXX, 2020 was not processed or paid. The representative told my husband that the payment would be sent back to us if we sent to them in an effort to make a payment. So, we are at a stalemate with this and do not know what else we can do to rectify this payment option that we received from the mortgage company. They would not allow us to cooperate with them.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXXXXXX XXXX XXXXXXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit cards account opened at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, an account opened at XXXX XXXX XXXX XXXX XXXX XXXX  rewards on XX/XX/XXXX, under the account XXXX, an Cell Phone account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I'm not gon na pay this supposed debt RS Clark & Associates says I owe. I checked out my rights under the Fair Debt Collection Practices Act ( FDCPA ), and it says I can dispute any wrong stuff on my credit reports. I've got proof that RS Clark & Associates is doing some shady stuff using bad language ( which is a no-no under 15 U.S.C. 1692d ( 2 ) ) and lying to collect debts ( which is also a no-no under 15 U.S.C. 1692e ( 10 ) ).

I don't care about validations or verifications. In North Carolina, the time limit for this debt is three years, and that's already passed. My big problem is them putting false info on my credit report. They got ta get rid of this bad account and other negative stuff ASAP. 

If they don't fix it in the next 30 days, I'm gon na have to complain to the United States District Court for the XXXX XXXX of North Carolina. Just trying to sort this out without going that far, but they got ta act quick.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. Specifically, I am disputing the following unauthorized inquiries and inaccurate account information : Unauthorized Inquiries : XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX  - Date of inquiry : XX/XX/XXXXXXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing any of these credit pulls and therefore demand that they be removed from my credit report immediately under the Fair Credit Reporting Act ( FCRA ) Section 609. 

The FCRA requires that credit bureaus and data furnishers must investigate any dispute raised by a consumer within 30 days and report back to the consumer with the results of their investigation. Therefore, I request that you conduct a thorough investigation and remove these unauthorized inquiries from my credit report as soon as possible. 

Inaccurate Account Information : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX - Account Number : XXXX I never had any business relationship with any of the above mentioned companies and there is no way these accounts belong to me. Therefore, I request that you investigate and delete these unknown accounts from my credit report right away under FCRA Section 611.

Under FCRA Section 611, I have the right to request that you conduct a reinvestigation of the inaccurate information on my credit report. Therefore, I urge you to investigate these matters as soon as possible and take the necessary steps to remove these negative items from my credit report, as required by the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX  dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the following erroneous accounts that are reporting on my credit report ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$6900.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am writing to inform you that I have received a copy of my credit report and it has come up with some errors, on all XXXX ( Transunion, XXXX, XXXX ) Several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 

I want this resolved as soon as possible. 

My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 

Also, my current address is XXXX XXXX XXXX XXXX, XXXX XXXX CT XXXX! 

I am requesting that the information in my file be updated to reflect only my current correct address. 

Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX, XXXX XXXX CT XXXX is not accurate and should be removed immediately. 

I also ask that you remove any employers and phone numbers associated with my credit report. 

I look forward to your response on this matter as well as an updated credit report. 

Sincerely, XXXX XXXX
Product: Debt collection

I keep getting calls from an automated number. They are from Credit Protection XXXX and they provide XXXX different phone numbers to contact them in the same message. They also provide a verification ID number to refer to. I have attempted to call XXXX numbers to tell them they have the wrong number and to stop calling me, but XXXX numbers are completely automated, and you can not reach a real human to talk with. You can push numbers to remove your number, but it does n't work. You can not leave a message and must have your account number. This is not my debt and I want them to stop calling my home number.
Product: Checking or savings account

My wallet that had all of my cards, Driver License, phone and gym bag was lost/stolen. Someone used my cards at 3 different stores and an ATM. Once I noticed the fraudulent transactions i immediately locked the card and contacted Chase Bank but they were closed. I waited until the next day to contact the bank on XX/XX/year> to file a fraud claim. On that same day the claimed was closed. I contacted Chase Bank on XX/XX/year> to see whats going on. A representative talked around in circles basically saying there was no evidence of fraud when there was in fact fraud. I asked her to explain to me how they came to that conclusion but she couldnt give me a valid answer and was non-chalant about it. I work hard for my money and I trusted the bank with my funds only to be taken advantage of. I need my money back in my account!
Product: Credit card or prepaid card

got a call today and message left was that they were calling from Amazon and there was fraud on my account and to please call back on the number XXXX XXXX. Of course I did not call that number. If there was any fraud I would have been contacted by the bank who has my Amazon account ... Chase bank. Just want to report the number
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint. I filed a complaint in regards to my XXXX XXXX XXXX XXXX ending # XXXX not a XXXX XXXX  account handled by XXXX. To date my complaint in regards To the XXXX XXXX XXXX XXXX ending # XXXX, has not been acknowledged by all parties. 

On or around XX/XX/2022, I filed a complaint with the CFPB against, XXXX, TransUnion and XXXX, XXXX for refusing to report my XXXX XXXX Preferred card ending account # XXXX. 

In my complaint I did not say XXXX XXXX credit card handled by XXXX I specifically wrote in my complaint that XXXX is refusing on report XXXX XXXX XXXX card ending account # XXXX. 

Instead of XXXX properly investigating the right account and acknowledging the core competences of my actual complaint file with CFPB in regards to my XXXX XXXX XXXX card, XXXX used another delay and fraudulent tactic by responding to CFPB with a different account with full knowledge this was the wrong in account in question further delaying reporting of a line of credit and history in good standing effectively lowering the credit scores of Americans of XXXX descent. 

On or round XX/XX/2022, I received my TransUnion, XXXX and XXXX credit report and noticed they are inaccurately reporting my XXXX XXXX XXXX card ending account # XXXX current open line of credit with excellent payment history as an account in dispute without payment history I have never contacted XXXX or the three credit bureaus and disputed XXXX XXXX XXXX card ending account # XXXX line of credit. In addition, XXXX refused to report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. 

I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practices and hold XXXX accountable. 

I want CFPB to investigate XXXX fraudulent responses CFPB consumer complaint and how using other wrong account information to respond to consumer complaint to deflect their deceptive business practices on the right account held by XXXX. 

I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the 2nd time in 2 days, I got denied a loan because they think my car was repossessed by XXXX. Whatever lingo is in the community as far as reporting, they are using words that make it appear I defaulted on this loan. I did not default on this loan. I was severely hit by a drunk driver who totaled my car. My insurance paid the majority of it and the rest is really interesting to me. XXXX at last minute during the approval process enforced that I include their GAP insurance protection, and it was sold to me, as a no worry, XXXX form of protection so if anything like what happened to me happened, I was covered. So somehow, between XXXX XXXX XXXX  who I have already had to take to court and XXXX, they seem to have left {$1000.00} on my account and they opened it after the load and then closed it and I see that that is why everyone thinks that I had a repo. Because they think it was to court or diminished value. This needs to be reported as an accident or if closed removed. I would like to see the details of this GAP insurance i paid for that was either around or more than the total of what they have left on this account. You can not report these things like this and aim to damage someone's reputation who was a victim of a drunk who chose to drive and hit someone. I have two people now who have denied me and I am enclosing the angry conversation I had with one Finance Dept Individual who was XXXX enough to say in text what she thought, but it will help me prove my point of damage.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX
Product: Credit card

I am an authorized user on a regions bank XXXX XXXX credit card. I am not the primary account holder. I have requested regions bank to remove me from the account, but due to the fact that I dont have the password they will not remove me. The account in question is currently not in good standings and is affecting not only my credit score but my credit report as well. this account is ruining my credit reputation and has significantly dropped my score lower than Ive ever had it in years. I would like to request that the CFPB require the bank to allow for removal without account Holder level credentials.
Product: Credit card or prepaid card

I have to dispute the whole united charge of {$370.00} because i did not receive service for returning flight and departure flight was delayed for 7 hours so i did initially dispute half of {$370.00} because i was told by united that i will be refunded that amount because of flight delay of ridiculous 7 hours. 
So I did dispute that much because i was expecting return flight to be serviced but i was wrong they did cancel me from that flight and they told to me that i was refunded for full amount of {$370.00} but they did not refund me so that is why i have to dispute whole charge of {$370.00}, So after they cancel me from flight i did buy new ticket for return flight and i did pay {$210.00}. 
So please refund me {$370.00} because United is rude and they did not refund me as they promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent and unauthorized Hard Inquiries : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX OF XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have called CitiBank VISA 6 times and have been hung up on every single time. They won't let me close the account.
Product: Credit card

I went through severe financial hardship after losing my job in XXXX of 2015. Through it all, I continued to pay my credit cards on time and keep up with my payments. In XXXX of 2015, I was forced to move to NY for a new job and start all over again. I had to tap into my savings in order to make the move and keep myself afloat. I also had to financially support my parents at this time as they lost their jobs. To make matters worse, I also re-enrolled to attend school on a fulltime basis. My income was stretched beyond my means. 

In XXXX of 2015 I contacted Bank Of America and asked them to provide me with a solution to pay off the debt. The agent on the phone informed me that they ca n't help me as I have n't defaulted on a payment and that I need to default in order to qualify for assistance. Upon defaulting, I contacted Bank Of America again in XXXX 2015 and asked them to help me lower payments. They did n't once again. It was n't until XXXX 2015 when the bank finally reached out to me with a payment solution. By this point, they had decided to tag on various fees associated with my delinquency and the only way for me to regain my credit was by paying it all off. I was n't offered any solutions. I was n't given an option but to default. 

Bank of America has since charged off this loan and collected their insurance disbursement yet they solicited my information ( without my authorization ) to a third party attorney group in order to collect my debt. 

This is the definition of unfair lending practices. I have attempted to do everything within my capabilities to resolve this matter and I 'm at my wit 's end. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a legal name change in XXXX of XXXX. At that time I updated my Social Security Card, got an Amended Birth Certificate, updated the name on my driver 's license, updated my name on my Medicare card, changed the name on my checking accounts and all other financial accounts. 

All except for one. Chase bank is the ONLY bank that has thus far refused to update my information. I have tried sending them multiple faxes over the past 3 years with all of this information. I also tried giving the information in person at their closest branch office. I tried attaching the files to their secure message system while logged into the account. I tried mailing them the documents at my own expense. 

To this date, more than 3 years later, they continue to refuse to update the information on the account. This has had real world disastrous consequences for me. By continuing to report the old name while everyone else reports a new name it resulted in a credit report being fractured such that it appears as if two different people are using the same social security number. I learned of this in early XXXX when I was approved for a mortgage refinance that I needed when interest was low and income in the household was impacted by the pandemic. I was initially approved, but then a security flag denied me because my old name and new name appeared on separate credit reports with the same social security number. And I still can't get that fixed! Every time it seems to be fixed it breaks again because Chase bank continues to report the old information as if it is current! They are preventing me from having access to any new credit! The level of harm they are causing me is absolutely severe and all I've asked them to do is fix the error by updating the account information as required by law!
Product: Debt collection

I was notified by XXXX XXXX XXXX XXXX XXXX that an owed balance of {$300.00} was placed in collections for a Speedy Cash loan that is more than XXXX years old. I was not formally been notified about the debt, prior to the call or prior to the debt being placed in collections. 

It was not identified if these people own the debt or are a collection agency.
Product: Credit card

This company has been harassing me, violating the FDCPA laws and when called them out on it they became combative and very unprofessional. This company placed an credit account on my credit which I have no acknowledgement of. The last name on the account is XXXX which I 've told them before is n't my last name. I 've never been married I 've provided documents showing proof and still they wo n't remove off of my credit. My last name is XXXX and never been XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 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
Product: Debt collection

This account it old and was sold to a collection agency who does not have an account with me. This account should be deleted from the 3 major credit bureaus as it is greatly affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 Visa Credit card charge-offs that showed activity month after month. According to the fair credit reporting act, the account should not show activity once it has been charged off. The repeated charge-off activity caused a decrease in my credit score each month. I have been denied credit due to this issue. I have tried to resolve this on my own, but have not been successful.