23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

When I turned XXXX last year I went in to XXXX XXXX and the banker helped me apply for a credit card. The credit card was denied because I was in " debt ''. I had just turned XXXX, and I applied for a credit card to help me build my credit. I was upset that They denied my application, and I was told I had to wait 6 months to try again. I wanted to know why, so I looked in to getting a credit report. Just turning XXXX years old should have meant I have absolutely nothing negative on my credit report. When I was sent my credit report from all three credit " reporters '' their was an error on my account, saying that I owed thousands of dollars in medical bills from XXXX of 2009. In XXXX 2009 I was XXXX years old, and legally I was not responsible for paying for that. I called and explained this to the person at experian, and they said they would take care of it, and supposedly they did. This week, I went in again to apply for a credit card, and I was denied again. I can not believe that this is happening to me. I can not get a finance a car, or get a credit card, all because of this error. This is not fair to me. I 'm a XXXX, who wants to be an XXXX when I graduate, and credit is the most important thing to me. I am asking for help. I have so many other things to worry about like homework, school and work, and it 's not fair to me that I even have to go through this nonsense. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I applied for the Chase reserve card and was approved. I received the card, used it for 2 weeks and used less than 10 % of the credit limit. For no reason Chase decides to cancel my account. After contacting them over the phone, nobody will give me a reason for the cancel. This will affect my credit in a negative way because of the cancellation. Why did they approve the card in the first place if they were going to cancel it 2 weeks later?
If they ran across issues that they might have found ( that I 'm not aware of ), then why not ask for clarification? I 'd be more than happy to provide documentation or what ever else was required to fix what ever problem they found.
When my card was cancelled with no notice, I was out of town. I ran into some very serious problems because i did n't have an active credit card. Could n't rent a car and could n't stay at a hotel. I was stuck.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried reconcile with the credit bureaus but no one wants to help me out. I have hard inquiries on my account that I do not recognize at all. I am currently still not looking to apply for anything so I dont understand why are they there. Ive gave them evidence stating I did not give these companies to check my credit at all. 
Inquires are : 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
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itema listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Regarding Closed Accounts with Late Payments Dear TransUnion, I am writing to formally dispute certain entries on my credit report related to closed accounts that are inaccurately reported as having late payments. These entries are negatively affecting my credit history, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Specifically, the accounts listed underXXXX - XXXX - This is paid as agreed and should not be reporting negatively on my report.are closed but still show late payments. These reports are unjust and create significant obstacles to accessing credit and financial opportunities.
Product: Credit reporting or other personal consumer reports

There was a data breach and my personal information was given out.
Product: Vehicle loan or lease

The debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They Furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  accounts from XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXX  XXXX ; Equifax XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX ; XXXX XXXX XXXXXXXX ; XXXX  XXXX XXXX  XXXX XXXX XXXX  Data XXXX ; 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 without my written instructions.
Product: Vehicle loan or lease

My vehicle was repossessed by Premier CapitolXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH in 2022 while visiting my sick father in New Jersey XXXX I was unable to get back to Ohio and get back to my place of employment and lost my job as well as my place. The company failed to provide any documentation on where and when my vehicle was for bidding and was unable to retrieve my car. I also called to make a payment and was told I was unable to make a payment because I've paid late in the past. I was one payment behind at this time of repossession. I never received any disclosure form giving me an option to opt out of my personal information being disclosed to this third party as well. My personal belongings were also left in there as well such as XXXX XXXX medication, prescription glasses, and household items. I would like someone to look into this and to help me and is there any documentation I can request from them. This has lowered my credit score and I am trying to fix my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was still reporting erroneous. The Experian and XXXX credit bureaus are required to correct these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00}
Product: Credit card

ID theft has stolen my citi bank XXXX bought {$XXXX} stuff, paid money from my Citibank account
Product: Credit reporting or other personal consumer reports

Experian-has been investigating several disputes formally submitted as of XX/XX/year> without resolution to most, company charges XXXX monthly but over XXXX  account with multiple charges. 

XXXX reports has not been able to access or update as of XX/XX/year>. No results status of disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

I am wondering if is it really that hard for the Credit Bureaus to PROPERLY verify the items that I have been disputing from XX/XX/XXXX to XX/XX/XXXX or it's just that the Credit Bureaus are lazy to not investigate at all. The Credit Reporting Agencies are required to remove any accounts and information that resulted from the Identity theft and was included in in an ID THEFT REPORT, but I see here that the Credit Bureaus have done nothing. I am disappointed by this action by the Credit Bureaus. How many letters do I have to send to the Credit Bureaus so that they pay attention to my appeals? Or are they just really lazy to take action and correct my Credit report. I am submitting this complaint to re-dispute the items which I previously disputed through the letters I sent and the complaints I submitted. Delete the following items 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 XXXXXX/XX/XXXX
Product: Debt collection

This company Enhanced Recovery is trying to collect {$250.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Enhanced Recovery with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Enhanced Recovery. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Enhanced Recovery. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 Investigations that Equifax has been looking into and still haven't posted the results. their status is pending and the results according to their site i should have received by now. most of the time this is the case when i put in a credit report dispute with them. i have uploaded the document of the screenshot i see when i login
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX : {$1200.00} XXXX  ( Original XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX # : XXXX
Product: Checking or savings account

On XXXX I requested an electronic transfer of funds from my checking account with Capital one, in the amount of {$250.00} to be transferred to XXXX XXXX XXXX. I input all of the information requested by Capitalone to create an online payment ( my XXXX account number, amount to be transferred, date ). 
This amount was to cover the premium for 2 months of coverage, and it was due by the XX/XX/year> so that my policy was not cancelled. 
On or around XX/XX/year>, XXXX contacted me and reminded me that my insurance monthly premiums were still unpaid. I had to complete this payment of {$250.00} again to XXXX. 
I first asked Capital One to investigate this on or around XX/XX/year>, and their response on XX/XX/year> was that it was a valid transaction. I contacted XXXX again, and they looked into it on their end, again with a response that the original funds sent by Capital one were not received. 
I asked Capital One to investigate this XXXX more times over the last XXXX months, and they have taken 8 days to return the same answer, that the transfer was valid and received by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, I leased a car through XXXX XXXXXXXX in XXXX MA. ( Which is now a XXXX XXXX ) I already was not happy with my purchase experience. 
Now, This past XX/XX/XXXX, they repoed my car, with no warning & I still haven't got a full explanation of the exact reasoning. 


In XX/XX/XXXX, I was laid off because of the Pandemic, and currently still am. I did email to ask to defer payments, like they offered but didn't receive a response. 

In XXXX, There was an error in taking money out of my account, but in my bank statements, you can see I put the money into my debit that day for my monthly car payment. 

Faithfully, ever since and before this - Hyundai has taken my monthly payments out like usual. 
ON XX/XX/XXXX around XXXX XXXX - My car was repoed out of my fathers driveway. No warning. ( I didn't think anything was wrong, considering my monthly payments were being taken out per usual. ) Shocked this was happening and it was too late to call anyone, I checked every account I could. 

My hyundai account said I had a balance past due of " {$880.00} '' and said the total due was {$1100.00}. 
The woman I spoke with the following morning, said i had to pay {$1300.00} for them to tell me where my car was and {$120.00} cash to go pick it up an hour away by XXXX ( it was XXXX XXXX ) or they could auction my car if they wanted. 

From my account it looks like the total I was charged was {$1300.00}. 

On XX/XX/XXXX, I sent Hyundai a check for {$1400.00}, I checked with my bank, and yes Hyundai did cash this money electronically, but never posted it to my account. 

The following day, XX/XX/XXXX I called and they said I had to wait a few days for me to get out of " repo '' and help me further with my account. 

XX/XX/XXXX - I called and then asked to be transfered to a supervisor, after getting no help - but he also told me he can not help with Repo 's. 
I asked about the missing check, he agreed they have no record of it and to mail in a bank statement to California but said " once we process it, it will be in your account '' My credit score also went down MAJOR because of payments they say I haven't made. 

I am XXXX year old girl. I work hard to make all my payments in a Pandemic. 
Of course, if I thought I had owed money, I would have paid. 
Now, this is going to affect so many things that I won't be able to do in the near future because of bad credit I don't believe I should have. 
I have money that is missing & unaccounted for, and every payment I have been told I owe is different.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( FCRA ), as delineated in 15 USC 1681 section XXXX ( a ), it is emphasized that consumer reporting agencies must execute their significant responsibilities with fairness, impartiality, and a profound respect for the consumer 's privacy rights. XXXX, TransUnion, XXXX XXXX XXXX, and XXXX, being consumer reporting agencies, hold this obligation. As a federally protected consumer, I have the right to safeguard my private information, as reinforced by 15 USC 6801, which underscores the XXXX policy of ensuring financial institutions respect customer privacy and safeguard nonpublic personal information. 

Furthermore, entities providing information to credit agencies, categorized as financial institutions under this statute, are bound by 15 USC 1681 section 604 ( a ) ( XXXX ), requiring consumer reporting agencies to furnish consumer reports solely in accordance with the written instructions of the concerned consumer. XXXX, XXXX, TransUnion, XXXX XXXX XXXX, and the financial institution furnishing information to credit agencies lack my consent to furnish this information, let alone my written consent and violate their own terms and conditions by sharing information with nonaffiliate. Consequently, any and all consent, whether verbal, non-verbal, written, or implied, to XXXX, XXXX, TransUnion, XXXX XXXX XXXX, and the aforementioned financial institution is hereby revoked. 

Moreover, 15 USC 6802 ( b ) ( c ) mandates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. Regrettably, I have not been informed of this right by the financial institution furnishing information to credit agencies. Additionally, 15 USC 1681C ( a ) ( XXXX ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Despite this, the account in question is being reported without my permission, contravening the law. 

Further, 15 U.S. Code 1681s2 ( A ) ( XXXX ) dictates that no person shall furnish inaccurate information relating to a consumer to any consumer reporting agency. XXXX, XXXX XXXX XXXX, TransUnion, and XXXX, therefore, are failing to maintain reasonable procedures to avoid violations of this statute, as required by 15 U.S. Code 1681e.

Finally, pursuant to 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately.
Product: Credit card or prepaid card

Not giving me any update on five disputed charges. Wont return calls I make. Emails or messages also. Wont disclose anything and Im still being charged even though I have proof it wasnt me. Wont refund and their policy says we are never liable for fraud or lost/stolen card. In this case, that is not occurring. False advertising too
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with equifax/XXXX  on XX/XX/XXXX to close and remove the account for the department of education XXXX XXXX updated the account, but Equifax still has an open account on their report. I called the department of education and they sent me a letter and confirmed to me all accounts have been paid and closed. The department of education says they have a record that Equifax reached out to them and they told them my account is closed. It has been over 45 days and Equifax still has the open account on my record. The Equifax score is XXXX points lower than the XXXX score. Equifax is currently blocking me from locking in an interest rate. Equifax is unfairly keeping my score low when the other credit reporting agencies show a higher score. Equifax says they didnt receive a response from the department of education XXXX but when I called there department of education they confirmed they told Equifax my accounts were closed. Equifax has taken well over 45 days and they still havent resolved my issue. I need to close my house in a month and they have blocked my ability to do that
Product: Debt collection

I mailed Chrysler Capital a host of letters asking them to verify this debt and the information that this is being reported for this account but they have not responded.
Product: Credit reporting or other personal consumer reports

Attempted to unfreeze credit multiple times using the online portal at equifax.com as well as the automated XXXX number. All methods prove unsuccessful. Automated line denies the request and tells me I need to write in. Website constantly displays We are temporaily unable to obtain the status of your security freeze for over a month now. Now I am locked out of the online portal and told I must call customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below is still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report this negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX  XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}
Product: Checking or savings account

Huntington Bank without notice, any court order or other legal means capriciously seized all my funds in a checking account I've had for decades. When I attempted to transfer my funds to another bank, Huntington Bank blocked the transfer. I'm a permanently XXXX former state XXXX and rely upon very limited SSI. Huntington Bank seized stimulus money and could provide no explanation. I can not pay my bills and insurance and am at financial risk of peril and/or becoming homeless. The lady from the Huntington Bank Risk Department could not release my money.
Product: Debt or credit management

on XX/XX/year> settled debt for {$370.00} for deletion upon payment
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was hacked due to Equifax & XXXX breach the accounts that were in my XXXX   reappeared delay payment the accounts were all deleted and then reappeared I was not notified by Equifax in five days that they were going to re-put what they had taken off back
Product: Debt collection

Just prior to XX/XX/2021 my husband and I refinanced our mortgage and arranged to pay off some outstanding debt. One of these was a XXXX XXXX XXXX  account. This was paid off by XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, a law firm retained by the bank we were borrowing from. A letter closing the account was sent to XXXX XXXX as well as a check for {$600.00}. The check was cashed and returned as paid to XXXX XXXX. Since then XXXX XXXX XXXX turned this paid debt over for collection to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX who has retained Schreiber Law LLC XXXX XXXX XXXX XXXX XXXX. XXXX NH XXXX to collect this paid debt. I have made numerous phone calls and provided copies of a letter closing the account and copies of the payment check and record of deposit to XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and Schreiber Law with no success toward resolution and in fact receipt of a most uncooperative and evasive response. 
Account number available upon request.