23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

For the past five months, I have filed disputes with Experian to change ther " On Record Until '' date on my credit report. When I contact Experian disputes, the representatives agree that the report until date, ( the date that negative information will be removed from my report ) is incorrect. Experian has the correct information noted that the last payment to XXXX was received on XX/XX/XXXX and the on record until date should be XX/XX/XXXX. It still shows XX/XX/XXXX. This is the ongoning dispurte that I have repeatably been told by Experian that they will correct this information and update it. Each time they send me the dispute results with the same error. 

Negative information should be removed from report seven years from the date of the first missed payment, which was XX/XX/XXXX. Experian has this information but refuses to update the report until date of XX/XX/XXXX, which is eight years from the first missed payment made on the account. XXXX and XXXX have already correctly removed this account from my credit report. 

According to the FCRA act " When a creditor writes off your debt following nonpayment, this is known as a charge-off. Charge-offs remain on your credit report for up to seven years from the date of the first missed payment. '' I would appreciate any further assistance with this dispute as I seems Esperian refuses to resolve this issue that continues to harm my credit as negative information while not being removed on the correct date, which is this XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Number 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: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of correcting my credit report and so far I have satisfied a few of the outstanding issues. However, after filing a dispute with Experian then allowing the reporting agency to confirm and verify the disputed information along with the other two reporting agencies in which I have disputed the same items, XXXX XXXX and XXXX deleted or updated my reports and in doing so, it raise my score for both agencies above 600. Experian lowered my score considerably claiming that because I satisfied a previous car loan and it was Paid In Full, they claim that this was the reason my credit score lowered, several times since I initiated the dispute. I as a consumer have NEVER seen nor have know under any circumstance wherein a consumer corrects his or her credit report to a more favorable status and it lowers their credit score or worthiness. I have spoken with a representative with Experian and she said that yes, the reason is was because I paid of a previous car loan and that account although PAID IN FULL, is now closed but it would reflect negatively on my report. My question is, why did it reflect positively on the other two credit reporting agencies? That is not fair to me or any consumer blemish a report after creditors have been paid.
Product: Debt collection

The creditor, Midland Credit Management XXXX Inc., formerly Asset Acceptance , LLC, garnished my bank account on XX/XX/XXXX and took {$700.00}. I filed a claim for an exemption in the case under Florida law. The money that was garnished was being held by Midland Credit Management XXXX Inc. while the claim for exemption was pending. On XX/XX/XXXX at the hearing for the claim for exemption, we reached a settlement agreement that I would pay {$100.00} per month. The money that was garnished was to be returned to me. The money that was garnished was never returned to me, and I was never given credit towards my outstanding balance for the {$700.00}.. I have been calling the company for two months now and no one at the company can tell me why my money has not been returned or credited. I have met my monthly payment obligations of {$100.00} per month pursuant to the settlement agreement. I want the {$700.00} returned to me. I am aware that Asset Acceptance , LLC was sued by the FTC in XX/XX/XXXX. Meanwhile, they have opened a new company called Midland Credit Management , LLC at the same address in XXXX, MI.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for credit to buy a used car with my husband on XX/XX/XXXX. We have credit in the high 700 to over 800 in all three credit bureaus. Just received a letter in the mail today that in the loan application process, we were DENIED credit based on information from Sagestream , LLC, which I have never heard of. Our credit was reported as XXXX and XXXX, and some insane reasons, primarily being length of residence is too short, we have been at our current address since XXXX, and have extensive, good credit history. I went on-line to get a free credit report and to look at freezing our credit, as it is with all other credit reporting agencies and they are wanting copies of drivers license, birth certificates, utility bills, etc. Upon further research it appears to be a scam to collect information and copies of documents. I want my credit frozen and I would like to see the credit reports but do not believe we should have to provide these documents to get them. From what I have seen on the Internet it appears XXXX XXXX and Sagestream are possibly colluding to modify loan terms.
Product: Credit reporting or other personal consumer reports

year XXXX  I was contacted by discharged department of XXXX XXXX  for payment. I was confused because Id had already been current on my account. They requested that month XXXX payment plus XXXX additional payments for the upcoming months to prevent repossession. Huh, first I was current on my payments and never received a letter or calls regarding my account going into charge off department. I requested proof of letter warning me about this issue ( NEVER GOT IT ). I also requested the 1099A/B for my tax records ( NEVER GOT IT ). They threatened me every month until I paid full price on an unknown discharged account. XXXX XXXX  never reported my payments to the credit bureau but reported discharged closed case and thats not true. This company needs to be investigated for Auto loan violations process and why do XXXX have there own DISCHARGE department ( this needs eyes on it ) XXXX is ripping consumers off with the concept of discharging your account without notice of proof failed to send any requests by mail and via phone. Plus reporting false information towards the credit bureau to keep my credit score low and it impact my livelihood with trying to get another auto loan after paying off a unknown discharged vehicle. PLEASE, please investigate this company Im sure youll find other or more consumers theyve done this illegal process too. This has to STOP, and I want all my money back or remove the false item of discharge / closed case off my credit report. Yes I have proof of purchase and full title payment ( paid in full ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because somebody at equifax screwed something up yet again, so im sending this in to basically say, please FIX THE ISSUES!! I sent in a cfpb complaint about equifax on XX/XX/XXXX or XXXX and received a reply pretty quickly, They didnt answer any of my concerns, like, at all, but thats a different issue, my point is they said they sent me my credit report, but i havent received it yet? The one that took three months to get as of XX/XX/XXXX and im hoping wont take another three months. I do have an open complaint with equifax at the moment but please dont mix that one and this one up, my only concern in this complaint is where is the report i was promised on my previous complaint? This is way longer than 10 business days!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still 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 and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX BANK XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, Dept Of XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00}, Dept Of XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00}, Dept Of XXXX XXXX Date opened XX/XX/XXXX XXXX {$0.00} XXXX Dept Of XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Debt collection

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. You agreed to a " pay for delete '' and you have not removed the account from my profile. You have received FULL payment and need to remove the collection from my account as agreed.
Product: Checking or savings account

I tried to open an account with Chase Bank a while back at that time they said the only thing that I qualified for was a Chase Liquid account which is a pre-paid account. I waited until I got my credit somewhat ok and tried online, at that time I was told that I needed to go in a branch, before I could make it to the branch I got a letter in the mail saying that they denied me because I have too many accounts. However I don't have any bad relationships with any of those banks.Then I received an offer to open a business account. I figured I can do my business account and have my personal at the same bank and close out one of  my other accounts. Not leaving a bad relationship just moving on. Well I was able to open my business account online. I was told I could open a personal but I needed to go to the branch so that's what I did, 2 days later they closed my account due to usual activity. The only thing I did was XXXX {$25.00} from one account to this one and set up my direct deposit from my job. They have no reason to close my account.
Product: Credit reporting or other personal consumer reports

Equifax, credit reporting and XXXX  reporting agents and XXXX reporting agents.They are doing a scamming investigation on reports hard Inquiries Provide my personal information out to other companies, Equifax., XXXX. XXXX XXXX They are violating federal laws with credit reporting that do not. Do their investigation on reporting like identity, XXXX and fraud? I asked him to dispute everything on my credit report. Calls, it was all fraud. Information did not have no knowledge about these accounts.
Product: Credit reporting or other personal consumer reports

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I noticed XXXX unauthorized transactions in the Coinbase App. I immediately called Coinbase ( XXXX ) XXXX to resolve this issues. At that time, unauthorize transaction caused loss of {$860.00}, and more than {$6000.00} was remained in the Coinbase account. Representative from Coinbase stated that they will initiate internal investigation, and freeze my account to begin verification step. I verified myself with photo of myself with driver license via email, and they unfroze my account. I tried to initiate transfer of remaining balance to my account, and the Coinbase locked transfers until XX/XX/24. Thus, I waited until XX/XX/24, and tried transfer of {$6600.00} to my bank account. However, without notice, Coinbase has deleted my account without my approval, and fund of {$6600.00} is missing currently.
Product: Debt collection

They repeatedly call me and my husband even after they've been repeatedly told to stop calling me. I've also informed them that they aren't legally allowed to collect the debt that they are trying to collect, since it is beyond the statute of limitation for being allowed to collect on the debt. I've also told them that I'm not working and don't have any money to pay them. I want them to stop contacting us, like we have repeatedly asked them to do. They call several times a day, and I've repeatedly told them to stop calling us.
Product: Credit card

Syncrony XXXX XXXX : Lowered my XXXX credit score down to XXXX which was my balance due to a payment I made 2 days late and one 5 days late. This was about 4 months ago. Then today again my balance was lowered to my balance almost making the account over the limit without my recent payment. 

I have had an excellent payment history but i was laid off twice last year. However, I still managed to make my payments in full. 

When I called to have a conversation about this situation the company would not address my issues or note my account. 

Please help to get this situation resolved. 

Thank you for reviewing my complaint.
Product: Credit card or prepaid card

Starting on XX/XX/2020 at XXXX XXXX  ET I had two online transactions declined ( two different international merchants ). The Capital One website indicates that there is ongoing "  maintenance '' and the account has not been updated since XX/XX/2020 at XXXX XXXX  ( nearly 48 hours ago ). 
I called Customer Service and spoke with a rep in the XXXX who was reading a script and kept repeating " sorry for the inconvenience, you need to call back in 3-4 hours ''. I asked to speak with a supervisor ( XXXX in XXXX, ID XXXX ) who was also completely unhelpful and kept repeating the same script over and over. 
It appears that this is not routine maintenance, but a problem with the system since the account has not been updated in nearly 48 hours. Moreover, how is it possible that the card doesn't work for several hours during " maintenance '' and there is no way to get any help?
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 XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : 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: Money transfer, virtual currency, or money service

A purchase was complete to put, a science negative through proceess and an amount appeareeded. Of a negative, minus. I did not purchase it. 

Then a science debit card was deleteeded to issue procees an other. I did not control it. A technical control of The Phone comunication to business pay service did not let, control of My account complicate, as it. Is. I attacheeded, manipulateeded proceeseeded through revision of the complaintes to ic3 and I did mention for the previous, complaint it was altereeded there an did change through technology. 

Service. There I did not know, stretch an other. Complaintes to keep " though '' complaintes are against, me through ic3 there as an other procees an problem occureeded to happen at. XXXX police. 

I did not give this. Business my social sec. no. As, it appear to be through there System. Then d/b/a seames to occur through a different bank. A business bank fraudeleant got my data to report through a credit bureau there as the purchase did not occur through this. Bank.
Product: Vehicle loan or lease

The company charge much higher interest rates for consumers with good credit my score was in the 700s. they charge fees to talk to some one fees to make payments, Fees if u make payments Im sure I had other products and services with Wells Fargo left due to the fees and high interest charges luckily was able to get financing else were, freeze peoples accounts if they didnt immediately set up security measures into compromise, locked out my accounts, it was always drama with Wells Fargo
Product: Checking or savings account

On XX/XX/2020 I went in to a Us bank branch and deposited {$5000.00} dollars and only got credit for {$500.00}. After disputing this for 2 months US bank claims theres no error or anything wrong with their machines when I simply put in XXXX bills of {$100.00}.
Product: Mortgage

I applied for a loan modification or other options to avoid foreclosure, but was denied help. My lender said I did n't meet the qualifications for help
Product: Debt collection

Good day, I would like to dispute an account which have been affecting me. I rented out a house in XXXX XXXX XXXX  through a company name XXXX XXXX XXXX XXXX. This company is falsely charging me for {$5900.00} for damages to the house which is not true. I left the house in the condition I rented it out. The house have genereal wear and tear which I the property management responsibility. I have been a good tenant and paid on time every month. I can't believe they are trying to overcharge me. It was cleaned and no furniture or anthing was left behind. This company is trying to claim I owe which is false information. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 settled a debt with XXXX XXXX and XXXX on XX/XX/XXXX. The account is 7 years old ( it first had delinquency in XX/XX/XXXX ) and it should be removed from my Credit Report. I checked my credit reports from the 3 major credit bureaus within the past 30 days and noticed that this information still remains on my credit report. Please remove this negative account and please provide me with a receipt for that transaction that shows that I paid for this account. I never got my receipt that I called and asked this company for on multiple occasions.
Product: Credit reporting

Hello, a short time ago I began house hunting with the dream of becoming a home owner I reviewed my report and I knew I was ready to purchase. When I went to meet with the lender I was advised my credit score had dropped tremendously making me no longer eligible for the rates for home. So then I find out XXXX inquires were reinserted on my report. No one every gave me notice they were removing inquires or that they were being placed back. I called TU and before I could say my name I was advised that I do n't have any rights pertaining to this matter. And I just do n't believe that to be true. I have worked extremely hard to improve my credit for the purchasing of my home and my dream was washed away due to someone else 's error. I waiting for months to see I would receive some sort of notification or letter of them being resubmitted and I still to this day have no received anything. not even an apology.
Product: Credit card

credit card with bank of america with account number XXXX I am a XXXX and a lot of credit is merging with my name that I have no knowledge of and this is destroying my life and my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Ally financial and XXXX XXXX XXXX XXXX and they have not cooperated with providing me with a letter to remove the hard inquiries that are on my consumer report. I explained to them that I did not give them any authorization to run my credit and they denied not having to provide me with a letter to submit to the credit bureaus for me to dispute these inquiries. 


XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing this letter to whom it may concern to dispute these inaccuracies on my credit report and I demand that they be deleted from my credit report expeditiously. I've been a victim of identity theft and didn't make these inquires. The items are below that I demand to be removed. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My sister and brother had a car loan that they used my info to get approved and my brother was late on one payment when i found out i explained to XXXX that this is the case they said if i make right on the payment they wont report me to the credit bureaus thus i made payment and paid off the entire account and removed my name from that loan. This is the only thing on my credit thats in accurate and i have been trying to fix it/remove it for months. Please help