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

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A cash advance check for {$14000.00} was charged to my card and was not authorized by me. They also charged a fee of {$450.00}. We have notified Citibank and have not been credited for this error. Citibank allowed someone to change our address to a XXXX New York address and we have never lived in New York. They also allowed someone to change are email address, cell phone number and our password. We have contacted them every day since XX/XX/XXXX with no results.
Product: Debt collection

I recently applied for credit and was denied due to bogus duplicate accounts on my credit reports
Product: Credit card

I originally had a my best buy store card with an {$8000.00} credit limit which had never missed a payment on. I had a balance of just under {$2000.00} but with promotions which made it 0 % APR for 12 months. On XX/XX/XXXX I got my mail and received a letter from Best Buy stating that they have upgraded my store card to a XXXX  card and that they would transfer all my balances over to it. I never authorized this change and never wanted an upgraded card. On the same day, XX/XX/XXXX I called the customer service line on the back of my original store card ( XXXX ) and asked why they changed my card without my permission. They said they they sent me mail in XXXX asking to me to either authorize this change or opt-out, but I never received said mail. I asked to speak to a supervisor about this because the original customer service representative told me that it was past the point of return and I would have to stick to the new XXXX  card. After speaking with the supervisor he ensured me that the card could indeed be reverted to my original store card and that nothing would change, including the card numbers from my original card. On XX/XX/XXXX I called again to ask for an update on the changes because I received a new statement from Best Buy stating that my card was still a XXXX  card, still never one I agreed to have. After speaking with a representative again and getting the same speech of it not being reverted, I asked for a supervisor. When I was transferred they told me that they have no record of me ever having called them about the issue and I was stuck with the new card whether I liked it or not. ( How could they not know I called if I literally received emails after that call to review the service? ) I asked to speak to a different manager, and they told me my only option was to pay off the balance in full, close the card, and re-apply for the store card again. 

They forced me to pay off a promotional balance with a 0 % APR and close the card. Then they told me that if I wanted my original card, I would have to reapply, which would mean a hit to my credit score. 

How can credit card companies force their customers to pay off a balance with a promotional APR in full just so I don't get the 0 % interest benefit for the year??
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, as the victim of a XXXX 2017 cyber attack, lost roughly 143 million customers data to hackers. Names, birth days, address, ssns, and driver 's license numbers were access. Credit card numbers as well. Reports indicate that Equifax took over a month to respond to consumers, may stand to profit from the event by rollovers from free credit monitoring services, and user 's must forego their right to participate in a class action lawsuit to get said services. In response, I am filing this complaint and putting a fraud alert on my accounts with the other credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection/Charge Off : XXXX XXXX XX/XX/XXXX {$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 XXXXXX/XX/XXXX
Product: Mortgage

The attached email demonstrates our problems with BSI Financial Services. We have continually asked them to validate the sums they are capitalizing for unpaid interest and escrow amounts. You can see what they are providing. We have also asked for them to show us the removal of non-payment reports while we are in the process of getting the mortgage modification and they ignore it. We originally applied for this in early XXXX and they took until XX/XX/XXXX to reply. We really need your help on these matters. 

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

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 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

Ive tried several times contacting all 3 credit bureaus to get hard inquiries removed from my credit report to no avail. Each bureau told me that they can not remove any inquiry, and that Id need to contact the creditors myself to get them removed. When I contacted these creditors, they also told me that they can not remove them, and that Id need to contact the bureaus to get them removed. Both sides are giving me the run around. I do not and have not owned any lines of credit with the creditors in which these inquiries come from. There are a total of four inquires from XXXX, XXXX/XXXX  ( XXXX ), Barclays, and XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

called Goodleap regarding falty roof and a/c. Goodleap did not care only wanted their money. Reguested another construction company to repair damages created by XXXX XXXX, they were not willing to hear about damages only wanted their money. Goodleap made empty promises, they had no intenton of helping me. In my 2024 stoped making payments to Goodleap at the suggestion of an attorney I spoke wtih from XXXX XXXX in the city of XXXX, California.
Product: Credit reporting or other personal consumer reports

This is my first 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 extortion. 
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, credit repair services, or other personal consumer reports

cra violation names wrong inaccurate information on reports sent the po report and id theft gov information no knowledge of accounts XXXX breach has cost me tons of money taking more than 30 days violation of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank Delaware - XX/XX/2022 - {$4700.00} - Account status Closed XXXX  XXXX - XX/XX/2022 - {$9000.00} - Account status Closed XXXX - XXXX XXXX - XX/XX/2022 - {$5800.00} - Account status Closed XXXX - XXXX XXXX - XX/XX/2022 - {$790.00} - Account status Closed XXXX - XXXX XXXX - XX/XX/2022 - {$780.00} - Account status Closed In accordance with the Fair Crediting Reporting act XXXX  Account # 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX TC XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, WY XXXX ; XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX : {$1300.00} ; XXXX XXXX  XXXX XXXX Balance : {$5500.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX {$7700.00} ; XXXX XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX XXXX XXXX Balance : {$230.00}.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed a fraudulent account and fraudulent inquiries being reported. The fraudulent account that was being reported is XXXX account number XXXX. The fraudulent inquiries that are being reported are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting my XXXX  brother 's mortgage on my credit report. I have spent hours on the phone with Equifax in an attempt to fix this. I just received a letter in the mail that provides the official response to my dispute. In this response, they state that they confirmed that my brother 's mortgage actually belongs to me and they're keeping in on my report. I feel like I've exhausted my options with this incompetent organization. Moreover, they've committed privacy violations by sharing my brother 's info with me without his consent and sharing my info with him without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is reporting several accounts to all 3 credit bureaus with errors. I have contacted XXXXXXXX XXXX  and the credit bureaus multiple times to dispute the accounts and every time they verify the information is reporting accurately. I have now located my credit reports from 2018 and have proof that these accounts have been re-aged. They are not correctly reporting the date of first delinquency and that is illegal. The accounts I am disputing are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached my XXXX credit reports from 2018 as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings I have initiated a dispute with Trans Union to remove unauthorized Inquiries they have failed to validated that I initated. I have asked and requested for Trans Union to respond with validated proof that I authorized these inquiries per the Fair Credit Reporting Act. I have provided requested documents to Trans Union including a copy of my filed Identity Theft Police Report to get this issue resolved in which they requested. I have also reached out to the creditors to validate this unauthorized inquiry belongs to me in which they have failed to prove. 

Below are the reporting Inquiries that should be Removed / Deleted from my Trans Union credit report. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX  - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX  - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX - Date Filed : XX/XX/XXXX 4 ) XXXX/XXXX, XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX XXXX - Date Filed : XX/XX/XXXX 6 ) XXXX/XXXX  - Date Filed : XX/XX/XXXX 7 ) XXXX XXXX - Date Filed : XX/XX/XXXX Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX XXXX, PA XXXX
Product: Credit card or prepaid card

American Express bank owner of Bluebird prepaid card has been withholding my direct deposit that was sent on XX/XX/2018 for {$1300.00} stating that they are having technical issues but can not provide an eta as to when it will be resolved. I have not had access to my paycheck which has made bills and rent late and they are still not assisting customers with a resolution. I have been lied to and hung up on when requesting a supervisor as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, this debt was forgiven by Federal student aid, but XXXX will not remove from my credit report even after notifying them, See attached letter, this debt was legally discharged
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : 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, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted TransUnion about the following inquiries XXXX  XXXX Inquiry on XX/XX/2021, XX/XX/2021, XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XXXX XXXX  XXXX XXXX on XX/XX/2021, XXXX XXXX on XX/XX/2021, XXXX - XXXX XXXX XXXX on XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card or prepaid card

I have called several times to be removed as an authorized user and update my credit. Citi bank continues to do nothing. 

XXXX XXXX
Product: Debt collection

I received a notification on X/XX/2017 that a collection account was added to my credit report. I never received a dunning letter it was just added to my report. I was not given an option to dispute this account. I have never heard of this company nor have I done business with them.
Product: Debt collection

I received a notice from my credit monitoring service on XX/XX/year> that a new collection account was opened by SUNRISE CREDIT SERVICES , INC . I have no prior communication with this company, nor any reason why.
Product: Debt collection

I was contacted by January Technologies Inc. regarding an alleged debt of {$700.00}. Notably, they never reached out to me directly ; instead, they contacted my sister regarding this debt, which I believe violates the Fair Debt Collection Practices Act and New York state laws that restrict third-party communications. 

I do not recognize this debt and have never taken out any loan or incurred any obligation of this nature. Additionally, I discovered that the debt is being pursued under a former legal name ( XXXX XXXX ), even though I am now legally recognized as XXXX XXXX. I suspect that this may be a case of identity theft and that the alleged debt was incurred without my knowledge. 

I sent an email dispute to January Technologies Inc. requesting verification and validation of the debt, as well as an explanation for the unauthorized contact with my sister. I am additionally seeking an investigation into the practice of having contacted my sister and not me through the appropriate consumer protection channels.
Product: Credit card or prepaid card

Greetings, I come in Good Faith, so Barclays Bank Delaware better known as XXXX XXXX XXXX denied to extend me the consumer natural person credit on XX/XX/2022. After receiving the denial letter on XX/XX/2022 adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act, which is codified in title 15 U.S.C 1692k. They are subject to criminal liability of for violating 15 U.S.C 1691, as I have proof that I was discriminated against by Barclays Bank Delaware due to the response I received. Barclays Bank Delaware is in violation of title 15 U.S.Code 1642, U.S.Code 1681m and 12 CFR 1002 because I, the consumer made a application in GOOD FAITH, but credit was not issued. Furthermore because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( UNAUTHORIZED USE OF CREDIT CARD ) on behalf of Barclays Bank Delaware. If Barclays Bank Delaware fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card. I will indeed make Barclays Bank Delaware criminally and civilly liable for all actual damages pursuant to title 15 U.S.C 1681n and 15 U.S.C 1681o.

I will also follow up with an invoice for said violations ( XXXX ) per violation ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for over 4 months to resolve this late payment issue with the threee credit bureaus. The Account in question is XXXX XXXX  Account number XXXX. I have no record of being late. Under the FCRA Law, the bureaus have violated my right as a consumer and I have the right to see all information or proof of my delinquent on this account. Their information are inaccurate and must be immediately remove from all my credit report.
Product: Credit reporting or other personal consumer reports

Hello, This is a complaint to the Experian credit reporting agency.

I need to temporarily lift my credit freeze to allow for a loan. But when I tried to login, it's not working, I've tried several attempts with alternative ways to send password/user to my email or phone, but when I input my information as social security and birth date it all comes up as invalid. This is very alarming to me.

I've called several times only gettin an automated voice, I am unable to release the information and the automated system does not give an opportunity to speak with a live person. There's no way to right this situation. 

Please help me.
Product: Mortgage

My mortgage loan servicing will not cancel my PMI.I have been up to date with my payments. I have requested cancellation of PMI in writing and send it through email on XXXX XXXX. At the time my LTV was 78 %. Now it's at 68.7 % and haven't received anything in writing or email about cancelling my PMI. I called the loan servicing on XXXX XXXX and request to cancel my PMI over the phone the rep said she would take note and i requested a confirmation number which is XXXX. I processed to call XXXX XXXX XXXX about my private insurance but they weren't able to obtain any information from them. I would have to speak to a loan servicing rep from lakeview loan servicing. I asked a question how long does it take to can a PMI? the rep answered with as soon as they receive a call from lakeview servicing loan it would take minutes to go ahead and cancel my PMI. I processed to call lakeview servicing but keep being transferred to another department. i also email Mrs. XXXX XXXX about my issue but she answered with im out of the office and click link to below to fill out XXXX XXXX XXXX XXXX. The submission is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I started a loan for a used XXXX XXXX XXXX. I paid the balance that was a total of around {$11000.00} down to {$3800.00} my last payment was XX/XX/XXXX. The monthly payment was {$300.00} for a total of four years. I contacted the business because the amount paid down was incorrect. Suddenly, it had increased by a few thousand dollars. The loan was through a company called Credit Acceptance. 

I was told by their customer service line to just continue making the payments as normal and that they would start a ticket to correct the information. I continued to call but I was given the same answer over and over. Eventually, they told me that it was interest but that was incorrect. I then decided to check the customer service reviews on the BBB website and there were a ton of disputes. 

I stopped making the payments because the debt paid down increased once again. Their customer service was not only poor but I dealt with people who were very rude and who threatened to take possession of my vehicle the day a payment is late. 

I spent hours and hours attempting to resolve the situation and in the end I was at a loss. 

Fast forward to after I halted the payments and according to my credit score I owe {$9400.00} and it keeps increasing even though it is in the " closed, charged off, '' status. 

I get phone calls, sometimes multiple times a day, from companies that claim they work for Credit Acceptance.  They're rude, I've had threats of garnishing wages and multiple continued calls at early times in the morning. 

I was going surrender the vehicle a long time ago but after I saw the price increasing I asked what could happen and I was told that the price would continue to increase until I paid it off entirely. So, I was stuck. Surrender the vehicle and continue making payments even though the amount would increase or keep the vehicle, never drive it, and  continue to receive harassing calls and watch the amount increase on my credit report ... 

What do I do? No matter what I've been told that the amount I owe will increase. So, I'll never pay off the owned amount and I've lost the use of a vehicle.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian all have XXXXXXXX XXXX account # XXXX listed with inaccurate information, wrong and different dates opened, incorrect balance, incorrect terms, and incorrect last reported date. All 3 list an inaccurate date last active and date of last payment.