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

I'm in disagreetment with the account listed bellow wich still appears on my credit report, even after your investigation. i would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX Account XXXX In accordance with the fair credit reporting act, public law 91-506 title VI section 611, provide the names and bosiness addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your re investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting a 90-day late payment on XX/XX/2022 with the Office of the Atty Gen which is inconsistent with the other credit bureaus.
Product: Debt collection

My Fico Score is XXXX. I don't have unpaid debt to collections.

Debt Relief Center ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX above has been sending robocalls to me and my family for about two years ( landline and cell phones ) without identifying themselves.

XX/XX/2018 : I received an Important Notice from them ( Attached ).

I send the a certified letter to Debt Relief Center to cease and desist communication with me and my family ( Attached ).

XXXX ignored my request and continue calling me twice ( morning and afternoon ) daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under Section 15 USC 1681 XXXX XXXXr # XXXXXXXX XXXX # XXXX XXXX XXXXXXXX # XXXXXXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX 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: Debt collection

I want to report multiple violations that Kimball Tirey & St. John is committing to the Free Credit Reporting Act and to my rights as a consumer. Just to mention two serious violations, see below : 1. Incorrect opening date 2. Incorrect last activity date I am demanding this company to remove the item from my report. I am having psychological issues because of this situation. Please send the attached documents to Kimball Tirey & St. John. 

Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, this is XXXX XXXX, XXXX # XXXX. I sent you a letter on XX/XX/2021 and I was told that I was supposed to get an answer from you but to this date, over 30 days have passed, but I still havent heard back from you. Someone told me to go to this website to follow up attaching the copy of the very same letter I sent you. I heard that it is a violation to ignore a dispute letter so I hope you wont delay this matter any further. I need this inaccurate and misleading information cleared off. I am fully aware of what I have on my report and what I should not have and the information I listed on my report are all mistakes, My information was also affected by the Equifax data breach so please investigate this matter immediately!
Product: Credit card or prepaid card

I purchased an XXXX from XXXX XXXX and I never received the order and did not get my money back are the product it was {$250.00} and I made the purchase on XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/2019, TOYOTA MOTOR CREDIT CO add a hard inquiry on my credit report per XXXX 
On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and myFico because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION XXXX. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. TRANSUNION AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX and Experian. Please delete the following accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This problem is with Experian and XXXX. My information appears to have been mixed with someone whose SSN is one different from mine. I can not speak with a representative to get more information because while my information is listed on the report as the " previous name, '' my correct name is not the primary on the report. My score dropped by more than XXXX points because of this.
Product: Credit card

I have a Best Buy credit card and they charged me over 20 late fees because the payment of the card was on the 4th I only paid it on the XXXX they also never sent me any statements the only payments I got to my house where when it was already a late notice I continued paying them for 12 months as I thought the balance was paid off I owe XXXX $!!!! I pay all my bills on time the reason this happened was because they failed to enroll me in paper statements and never notified me that I was late not 1 time. Its wrong for me to think I have a credit card paid off when there not contacting me and there letting me pay late fees every month charging me XXXX dollars because I never ever seen a statement I only received a bill after the original bill was already late that I never received, month after month the bill that was sent to my house was a bill stating I have a balance to pay that was it. Comes to find out Im XXXX late on payments for 20 months. Thats ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to file dispute with XXXX, TransUnion and XXXX for incorrect payment history on XXXX account XXXX XXXX, their online system did not allow me to file dispute. I am within my rights pursuant to FCA to file dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of my federal consumer rights. 

I have sent disputes for removal of inaccurate PII several times to Experian. I have sent them multiple times a LAWYER WRITTEN affidavit demanding removal of the inaccurate PII. I am re-attaching the PII which was originally written and notarized in XXXX of 2022, 7 months ago. Which shows demand for removal of PII that today still shows. 

Experian still shows the inaccurate PII on my report. 

I demand that Experian follow the law and remove the inaccurate PII from my report immediately.
Product: Debt collection

Company portfolio recovery keeps calling repeatedly everyday and several times a day harassing me about a debt. I tried to explain to them that I am XXXX and am going through a XXXX case but doesn't seem to care.
Product: Debt collection

They sent me a letter back in XXXX XXXX saying my account as settled to our client and congratulations.they garnish my job pay check until the debt was paid, now they are sending me letters from court papers saying they are going to take the money out of my income taxes. which is over $ XXXX called them saying I already paid but they keep sending and calling me
Product: Debt collection

This company claimed to be Nationwide XXXX, and they have called my work and demanded rudely to speak to my boss after calling all around my organization. This is unacceptable. I have never received any sort of mail from them, and I am assuming they are some sort of zombie debt collection outfit/scammer. I do not deal with companies I have never heard of anyway, as I get numerous scam calls. I will not deal with them on the telephone, period. If they believe I owe them something, they need to contact me in writing, but calling my office is not tolerated. If they get me fired, then they can be assured they wo n't ever see a penny, even if by chance there is some legitimacy to this, which I doubt. The call came at approximately XXXX to my office secretary, and the rude caller claimed her name was XXXX XXXX with a number of XXXX. I believe the number XXXX is also associated with these people.
Product: Credit reporting or other personal consumer reports

I recently opened a credit card and due to XXXX Credit reports they have reported me as deliquent for loans i never took out on my behalf dating 5 to 7 years ago. I am XXXX XXXX military and my credit score went from XXXX to XXXX this can jeapordize my life and im furious. I tried to call several times they do not answer.
Product: Debt collection

I received a call this morning from a restricted number where they informed me I would be receiving a summons notice between XXXX and XXXX pm. I was given a phone number to call for information regarding the summons and a reference number. 
The number is : XXXX. The claim it is from XXXX XXXX for {$650.00}. This debt is from 12 years ago and has been paid in full. 
They asked if I would like to pay in full or dispute it. I told them I would dispute and they said a summons would be coming later in the day and than they hung up on me.
Product: Credit card or prepaid card

On XX/XX/22, I submitted a dispute for a incorrect deposit reversal made on my XXXX  bank account. The case number is XXXX. 

On XX/XX/22, I made a deposit to my account at XXXX XXXX of {$500.00}. The transaction ID is XXXX. This was later reversed on XX/XX/22. In my dispute, I submitted a deposit receipt corresponding to this deposit on XX/XX/22 XXXX. My dispute was denied and upon calling, I could not obtain the reason for denial, nor could I speak with the person who made the decision. 

In addition, I have attached an image of deposit receipts in the period of XXXX. The deposits total to {$2500.00}. In the attached statement however, there are 8 deposits of {$500.00}, and 4 reversals of {$500.00}, which totals to net deposits of {$2000.00}, a {$500.00} discrepancy. 


Given all of this, instead, upon calling on XX/XX/22, I spent nearly an hour going back and forth with the billing department, and they failed to really understand, and would fail to really address my point. In the end it did not matter as they can not make any decisions, only explain, and they can not view my deposit receipt image I submitted, so I could not prove to them that I did the deposit. 

I'm hoping by raising this complaint, that the right attention can be placed on this issue, and I can be credited back my missing {$500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking 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 Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2021
Product: Student loan

XX/XX/XXXX via Nelnet I requested {$1000.00} back that I had paid during the student loan forbearance as our heating bills were very high and I was laid off from my job. They almost immediately added the {$1000.00} back to my account and I have been paying interest on it. One year later and its now XX/XX/XXXXXXXX  and they have not given me the refund. I call in every few months to ask about it which always takes 2+ hours and they can never give me an answer. I am thinking I have been scammed and someone stole the money. Can someone please help me I do not know what else to do and I need that money back.
Product: Debt collection

In response to CFPB complaints # XXXX. My name is XXXX XXXX a federally processed consumer, and I am making this complaint against CREDITORS BUREAU ASSOCIATES for violating a cease and desist notice they received XX/XX/2022 and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a debt validation letter, a Cease-and-Desist notice, XXXX XXXX which is a copy of the account reporting on my XXXX consumer report, XXXX XXXX which is a copy of their response to CFPB complaint # XXXX, and a pdf of an FTC report that will be labeled as XXXX XXXX when filing litigation in Federal Court to this complaint. CREDITORS BUREAU ASSOCIATES stated, " Per Federal law, this dispute was received past the validation period, I am requesting the actual law they are referencing because to my knowledge, there is no statute of limitation on fraud because I never contracted with them and they have no reason to have my identifying information. Also, pursuant 15 USC 1692g ( c ), I have not validated any alleged debt with CREDITORS BUREAU ASSOCIATES and my failure to dispute the validity of these alleged debt shall not construct as an admission of liability. CREDITORS BUREAU ASSOCIATES " stated as a courtesy, attached are the itemized invoices from the original creditors. As of XXXX XXXX I have not received any documentary evidence, such as a trilateral contract, giving CREDITORS BUREAU ASSOCIATES any right to collect on this alleged debt. It is my belief that CREDITORS BUREAU ASSOCIATES are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. The Credit Bureau Associates also stated " The balances have been verified with the original creditors as of XXXX XX/XX/2022. '' I have never received any documentation requesting validation from CREDITORS BUREAU ASSOCIATES before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If CREDITORS BUREAU ASSOCIATES can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me the consumer, prior to furnishing it on my consumer report, this has been a fraudulent furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the ongoing issue with my credit report. Despite my numerous attempts, I have been unsuccessful in correcting an inaccurately reported late open account on my credit file, which is adversely affecting my financial standing. I have repeatedly contacted your organization to dispute the inclusion of a late open account on my credit report, which is not a true representation of my financial history. The presence of this account has led to a reduction in my credit score, causing difficulties in obtaining loans, securing favorable interest rates, and achieving my financial goals. I have attached the following supporting documentation for your review : Copies of all previous correspondence and dispute letters submitted to your bureau. Evidence demonstrating the inaccuracies on my credit report, including any relevant documentation or statements refuting the late open account. Proof of my timely payments and other financial history, which should accurately portray my creditworthiness. Despite my consistent efforts to address this issue, the late open account remains on my credit report, causing me ongoing financial stress and setbacks. I am concerned that these inaccuracies may further impact my ability to secure housing, employment, or access to credit services. I request an immediate and thorough investigation into this matter. Please help me correct the account : XXXX XXXX XXXXXXXX : {$100000.00}.
Product: Checking or savings account

I am a current client of Navy Federal Credit whom experienced fraud on my account since April. I filed a debit card dispute, police report and reported whom I believe is the suspect in such case and my claim was denied. There were checks submitted to my account that I did not authorize and filed a secondary claim and that two was denied. Neither cases was I informed of the reason for denial. I have filed a complaint with the Federal Reserve, FDIC, and Federal Trade Commission against Navy Federal Credit Union in regards to such because as a victim of identify theft, my account has not been protected according to the FDIC regulations. 

I followed all protocol and the issue has yet to be rectified and my account is threatening to be charged off. This is unfair to consumers of such actions done unbeknownst to them and without authorization.
Product: Checking or savings account

My phone was stolen and many transactions were charged from my bank too XXXX the amount was XXXX and I put in a claim with capital one my bank about the situation and they let me know they couldnt dispute it because of my electronic activity and log in history but I did not have access at the time of these charges because my phone was not In my possession and all of my bank information is on my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX  XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian US SM BUS ADMIN ODA Federal XX/XX/XXXX Experian XXXX  XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX  XXXX Tenant Screeners XX/XX/XXXX Experian XXXX All Banks XX/XX/XXXX Experian XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX Experian EXPERIAN XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Team, I was checking my credit report using XXXX portal and found that there are below hard inquiries without my consent or I am not knowing it : 1. XXXX Inquiry from XX/XX/XXXX2. XXXX XXXX - Arizona Inquiry from XX/XX/XXXX 3. XXXX Inquiry fromXX/XX/XXXX 4.XXXX Inquiry fromXX/XX/XXXX 5. XXXX XXXX XXXX C Inquiry from XX/XX/XXXX I want to dispute these and have them removed from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX Balance : {$19000.00}
Product: Credit card or prepaid card

i bought my XXXX sunglasses on XX/XX/2017 from the store in XXXX mall and they did not fir so I returned it on the same day.Sales associate did not have a replacement so she put the refund back on the gift card and she used it to order them online on the same day. The ones I got from the online order did not fit me either so I returned them on XXXX XXXX and I have a receipt and I told the sales associate to put it back on my card and she said she did. Now after a month I got a bill with a balance and I called them and they said they will fix it, but they did not until the due date so I paid the minimum balance twice at a total of XXXX dollars. After two months they did not resolve it and keep giving me different answers like it is wrong receipt or sunglasses and even after closing my account they wont resolve the dispute. Now they tell me that I dont have to pay anything or late fees and they will investigate, I keep waiting but they dont give me a actual response. Please help, I don't want my credit score to get affected.
Product: Credit card or prepaid card

I went to XXXX XXXX to buy a sectional. I was about to purchase the one I liked and the sales man told me they're running a special 0 % loan. He assured me there was no financing fee, no interest, and no catch. I signed a credit check form and next thing I know the couch was ordered. Two weeks later I got a letter in the mail with a XXXX XXXX credit card! The sales rep didn't mention anything like this. He told me it was a loan. I called up their store and they hung up on me when I told them I wanted to speak to a manager.