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

For one I have already sent this complaint but the credit bureaus assumed that it was a third party who sent it. It is not. I am XXXX XXXX. No one is speaking on my behalf and there is no 3rd party. The credit bureau is using this as a stall tactic to not complete my investigation. Here we are again well over 30 days and they still have not removed the fraudulent accounts from my credit report or completed an investigation. To my knowledge and 611 ( a ) they only have 30 days. If it takes longer than 30 days they must delete the accounts from my credit reports. I have researched the laws. I am at the point of going to litigation because this is becoming super stressful for me. I am also a victim of the XXXX data breach and my information couldve gotten in the hands of anybody.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR MONTHS I HAVE BEEN SUBMITTING DOCUMENTS TO EQUIFAX TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. PLEASE NOTE THAT I HAVE SENT THEM MY IDENTITY THEFT REPORT, MAILED THEM MY POLICE REPORT. AT THIS POINT I CAN ONLY IMAGINE THAT EQUIFAX IS DOING THIS ON PURPOSE, OR THEY ARE THE ONE WHO SOLD MY INFORMATION TO THE FRAUDULENT PERSON. BECAUSE THE SAME ACCOUNT WAS DELETED FROM XXXX AND XXXX XXXX 3 MONTHS AGO. 

I STRONGLY BELIEVE EQUIFAX SOLD MY INFORMATION THATS WHY THEY ARE NOT REMOVING THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. 

I BELIEVE XXXX XXXX AND EQUIFAX ARE DOING THE FRAUD TOGETHER, THEY ARE THE ONES WHO SOLD MY INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been reaching out to equifax customer representatives to report an unauthorized hard pull inquiries made in my account on the XXXX of XX/XX/XXXX by different creditors. 

I have spoken to more than 10 of equifax representatives with all giving different information and some being rude or hanging up on me. 

I have mailed the documents they have requested to take this hard inquiries out of my account 3times yet they say they dont get it or their fraud department didnt provide it to them.

Each time I mail this documents through USPS I track it and it shows delivered with it containing my personal informations yet each representative says they cant find it on their system but they can see the dates the documents are delivered they just cant see the informations.

They say they cant see my FTC report or letter of request or SSN card so I decided to keep mailing it over and over again. 

I sent these same documents to XXXX and immediately, I got a mail that those inquiries has been deleted from my report. 

I sent these same documents to XXXX and XXXX said I have to call each creditors myself to ask them to remove the inquires from my report as they cant do it for me. Imagine me calling over 6 creditors myself to ask them to do what XXXX did without stressing me out. 

I am very unhappy about all these and its been causing me stress and affecting my mental health. Each time I call these credit bureau I feel worst and terrible about my situation.
Product: Mortgage

The original company that owned the loan was XXXX. They had a reporting issue with their data. They fixed it and took it off our credit because they realized they never reported us late but then suddenly had a 120 day late which was not true. we tried to close on the house ( selling it ) and XXXX was so messed up on our payoff it was crazy. we had to wait two months to close... we finally closed on XX/XX/XXXX, well we had no idea that they had sold the loan to Specialized loan services on XX/XX/XXXX. So they processed what XXXX turned in to them which was incorrect. Now the Specialized Loan Services that we never even dealt with has effected our credit. We are now trying to close on our newly built home and now realize we have a 120 day late ruining us which is ridiculous! The company never even reported insurance/escrow as the home closed. So I had to send closing documents to the insurance. I am unsure what to do about escrow or anything else... I have never had anything happen like this which is CRAZY the amount of phone calls and letters I am having to write to try and get this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filling this CFPB complaint against Equifax since I am unable to get the expected result for the multiple disputes I am sending to them. I made sure to send another letter directly to the XXXX XXXX to make sure that my concern is rectifide. The account is I am disputing is XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Now that this account is only reporting in Equifax and I don't know how they allow XXXX XXXX to continue and report this account as verified. I wanted to make sure that this account will no longer show in my next credit report. I sent direct certified mail to dispute this account to XXXX XXXX. Below are inaccuracies that continue to report in my credit report. 
1. The initial balance reporting for this account is {$920.00} but after this has been removed to 2 credit bureaus the balance was changed to {$300.00}. The balance being reported is completely different. This is from the same account and account number so how can the balance be changed if you are claiming the account as verified as accurate. 
2. From the initial report ( XX/XX/XXXX ) the balance was {$920.00} but the high credit in the report is only {$390.00}. I need to know charges or interest added by XXXX XXXX in this account to end up to the balance of {$920.00}. 
3. Equifax agreed to the reporting of XXXX XXXX that this account was fully verified then how did the balance change to {$300.00} after a few months? No date of last payment reported in this account so please verify and validate why the balance that ends up as {$300.00}. 
4. This account was acclaimed by XXXX XXXX in XXXX and I know that this debt is completely older than that. This account is outdated therefore should be removed from my credit report due to the statute of limitations. 
5. Equifax continues to allow XXXX XXXX to violate my right that drastically affects my credit score. This mistake can be prevented if Equifax only takes time to investigate and review how this company reports this account. And I need this to stop. This is an inaccurate and invalid collection account that has been giving me a hard time improving my credit score.
Product: Debt collection

I don't recall having a contractual relationship with this collection company Financial Assistance Inc. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit card or prepaid card

I filed a claim with Bank of America whom I have banked with for many years and have a preferred relationship with on XXXX. 

The purchase in question was made in XXXX of 2021 of {$350.00} with XXXX XXXX, a XXXX contractor who replaced a collapsed return line underneath my home. 

In XXXX, occupants of the home notified me of XXXX trouble that culminated in a replacement of the unit and a discovery of substandard install duct work that caused the line to collapse within 6 months of the replacement. The contractor who replaced the unit and line identified poor installation performed without ziplines, straps, and the presence of XXXX tape that caused the duct to collapse and XXXX in on itself. The resulting damage was {$500.00} for a new line and {$4300.00} for a new XXXX unit despite the old one only being XXXX years old. 

After working with the contractor, he simply pushed the claim stating it had been six months and that the tape was likely from an XXXX specialist. Since XXXX XXXX denied any responsibility for poor install as alleged by the XXXX contractor and independent review of pictures provided, I went ahead with Bank of America to file a claim. 

On XXXX, I received a claim letter dated XXXX with instructions to send in a detailed letter of my claim with supporting information no later than XXXX. I compiled a letter, invoice, sales receipt, pictures, text exchanges, contractor contact info, and testimonies and sent a fax on XXXX which was confirmed to be received that day. 

Bank of America on XXXX sent me an automated message to check the online claims portal and after checking, I found the bank had simply provided me a generic claim denial letter dated XXXX stating the charge was 'outside of their processing times, the physical location of the good/service, and attempts to resolve with the merchant. ' The letter concluded that I should simply resolve the issue with the merchant. 

Given that these reasons are opaque and generic, I have lost faith in Bank of America to back my purchases for goods and services against merchant malfeasance/misfeasance. Also questioned is whether Bank of America received my fax and if they did, a thorough review was completed of the information I provided. I tried calling on XXXX and simply was told that this department in question was closed and to try again Monday.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I know that this will surely affect my further credit deals, I want this to be taken care of.
Product: Checking or savings account

On XX/XX/XXXX I recognized an unauthorized charge made that day for {$56.00} from a XXXX XXXX in Florida. I live in California and I did not recognize this merchant nor the purchase amount. I checked to ensure that my physical card had not been stolen and the card was still in my possession. I froze my account and immediately called Chase to report the charges as fraud. I was told I could not do anything about it until the charges were not pending any longer, so the next day after the charges had posted I called the bank again while I was out of town to report this charge and they advised me to file a claim through the app and keep my card locked. I filed a claim through the app and was told that it looked to be fraudulent charges, and my card was immediately cancelled leaving me unable to access an ATM to withdraw cash while I was out of town in the XXXX  area. The {$56.00} were temporarily reimbursed to me as they investigated. And as of today, XX/XX/year> the claim was reversed and I have now been charged {$56.00} again for the fraudulent charge. I called the bank again and was given no help or explanation. Other than that they had done an investigation, and found that I had had previous transaction history with the merchant and that they deemed the charge to not be unauthorized I asked for proof and transaction numbers as to what previous transactions Ive made to this merchant, as Ive never seen the merchant name before, and have received no product or service as a result of this charge. I was then placed on hold for over XXXX minutes in which the representative did not respond to me I was provided with no proof, and was told that I was mailed a letter which I have not received explaining the investigation. There is no way that I made or authorize this charge.
Product: Debt collection

While this debt was first deleted from XXXX they proceeded to place on XXXX XXXX I have ask for validation letter and I believe you reach out to them. However it is now on XXXX. This violate my rights and ask that this debt be immediately taken off my XXXX report. One they have not provide any information to show I owe the Debt. I had insurance with the general the time in question.. This is my fourth attempt to remove this debt.vEach time it has affected my scores.
Product: Credit card

XXXX in XXXX I fell behind on credit card bills, I have - XXXX yr old child, I pay out of pocket for daycare $ XXXX monthly depending on the month Ive reached out via chat every month to try and get fees waived and lowered payments. The plans Discover offered were astronomical and would close your card. I did temporarily enroll in XXXX because I was desperate they were taking {$200.00} plus dollars from me on the scheduled day and then still reporting my payments late to the credit bureau and charging late fees and interest it was almost as if the payment was never made I could not do it anymore financially and I had to cancel the payments plans. Im literally drowning. I have had this card for a decent length of time and I know credit age is important. In the coming years I would like to purchase a house and this is going to mess me up. Even when I make the payment amounts to keep the card open, they would report my payments as late. Now I understand it wasnt the full payment amount but I physically spoke with their agents who scheduled the payments just for me to still get late payments added to my credit report.
Product: Credit card or prepaid card

I received an offer on my Barclaycard Advantage Aviator Red Mastercard in   XXXX   XXXX   which would result in 30,000 bonus American Airlines AAdvantage miles after spending {$2500.00} per month between   XXXX   XXXX   and   XXXX   XXXX  . The offer stated the miles would post to my account 6-8 weeks after my statement closed after the promotional period. It has been more than 8 weeks since then, but the miles have not posted. I contacted Barclaycardus ; however, I was told the credit card company 's records showed I did not sign up for the offer. The attachment show the offer, confirmation of my registration, and confirmation of my spend on the card.
Product: Credit reporting or other personal consumer reports

I am writing to inform you of a serious issue regarding my credit report. Upon reviewing my credit reports from [ Name of Credit Bureaus ], I discovered evidence of identity theft. It has come to my attention that unauthorized accounts have been opened under my name without my knowledge or consent. 

I understand that under the FCRA, you have 30 days to complete this investigation and provide me with a response. Additionally, I urge you to place a fraud alert on my credit reports to prevent further unauthorized activity. 

The following unauthorized accounts have been reported : XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for free credit reporting on XX/XX/2019 on the Transunion.ca website. I accidentally made two accounts because there website shows that my account was unsuccessfully made. In both accounts, I added my credit card information. A day after the creation of the account, I received two bills that are pending on my credit card, which are both {$19.00}. I tried calling them to cancel my account but I could not get a hold of them. Additionally, at the creation of my accounts, they are supposed to send me an email confirming the creation but they never did.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time out to read my complaint. I was reported late on my credit report ONE time from Capital One bank. It reported XX/XX/2019. I called and explained that my identity was stolen that month and my bank closed my bank account so the automatic payment did not go thru. I advised them of the issue when it happened in XX/XX/2019 by phone call that it may even be late but I was willing to send in police report and even a letter from my bank to verify. After the investigation on my bank and my funds were back I called capital one bank and made my payment and they still reported it. I have been pleading with them to remove it and no luck. I emailed the ceo, mailed and faxed numerous of letters and still no help. Ive despites multiple times and nothing.
Product: Credit card

This is older than 7 years and Ive already paid in full to the company the sold my debt to Ive filed many disputes and its still not removed from my credit report
Product: Debt collection

Commonwealth Financial without any notice of debt place 4 medical collections on my credit report. When speaking to Commonwealth Financial indicated they purchase this debt from another collection company. I have never received any type of notice of validation of debt from any collection company. This action dropped my scores over 100 points without warning. We had insurance at the time Commonwealth Financial states when the bills were created. This is a blatant violation of none notice of debt to validate. To give an opportunity to resolve this issue. The Commonwealth Financial purchase this debt from another collection company that didn't give notice of debt to validate. They are selling unverified debt and placing on credit reports. I received no 30 day validation period. They just place 4 collections on my credit report this is alarming that collection companies get away with this type of attack on or credit without any type of notice.
Product: Credit reporting or other personal consumer reports

Experian started charging my credit card for a premium account without my knowledge or consent.
Product: Credit card or prepaid card

I have recently closed my accounts at Bank of America. At some point in my decade of using that card, I was signed up for a credit card which I used periodically. In any event, I used a few times and did have a rewards balance of {$18.00} which I believed could be redeemed for cash. Upon closing my accounts, BOA ( via representative XXXX XXXX of Virgina ) told me that they could only give me the reward if I had {$25.00} in rewards balances or more. This is misleading, as that information was not clear from their advertising or any documents I was given. Although it's not a lot of money for me individually, this Bank 's " rewards '' policy likely is very rewarding to BOA collectively.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, unauthorized accounts have been added to my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$10000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$880.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$22000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$3000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$30000.00} XXXX. BANK XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$2200.00} XXXX. XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX 'S XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00}
Product: Credit reporting

this was inserted into my report by the bureaus just recently the electric company has not updated since 2012 i called the electric company they said they dont have a record of this it is an error with the bureau. i have not paid this account late ever. it is impacting my score in a major way. i am attaching XXXX reports to show how it changed from one day to the next and not on reporting dates.
Product: Student loan

My federal student loan repayment administrator, XXXX, has been overcharging me for the last three months by adding a charge labeled an " Additional Amount Requested '' ( which I am not requesting ) to the amount my bank account is auto-debited each month. 

Each month, my online XXXX account says my monthly payment is set, and the " additional amount requested '' field is set to {$0.00}. Then I get an email from XXXX that says I will be charged an " additional amount requested, '' bringing the total to be debited to $ 40-50 above my agreed upon direct debit per month. Images attached document this discrepancy for XX/XX/XXXX.

The specific inflated charges are : XX/XX/XXXX : Direct debit Monthly Installment Amount set to {$110.00} ; unauthorized " Additional Amount Requested '' charged : {$53.00} ; total charged on XX/XX/2019 : {$160.00} ( + {$54.00} from direct debit agreement ) XXXX : Direct debit Monthly Installment Amount set to {$110.00} ; unauthorized " Additional Amount Requested '' charged : {$53.00} ; total charged on XX/XX/2019 : {$160.00} ( + {$54.00} from direct debit agreement ) XX/XX/XXXX : Direct debit Monthly Installment Amount set to {$110.00} ; unauthorized " Additional Amount Requested '' to be charged, per email on XX/XX/19 : {$43.00} ; total XXXX said via email was to be charged on XX/XX/2019 : {$150.00} ( + {$44.00} from direct debit agreement ) ( XX/XX/XXXX XX/XX/19 direct debit payment suspended by XXXX phone representative ; one-time payment arranged instead ).

I have emailed and called XXXX to resolve this issue multiple times. In XX/XX/XXXX, I received the response below saying the issue would be fixed ( image attached ). Instead, I was overbilled another {$54.00} in XX/XX/XXXX, and the company did not respond to an email complaint. On XX/XX/XXXX, when I received an email notifying me that I would be overbilled another {$44.00}, I spoke to two customer service representatives by phone who were unable to tell me why I was being overcharged. A representative instead put my direct debit on suspension, meaning I lose the lower .25 % interest rate promised with direct debit.
Product: Debt collection

I received this letter on XXXX XXXX, 2016 from this company say that they represent Pinnacle Credit Service. I called then and found out that they are Pinnacle Credit service but a different name in another state. I was told that I had 5 day to respond to this letter. I feel now that I am being harassed by this company once again. I am trying to get the information removed from my credit report because of Pinnacle Credit Services. It has been well over 90 days since I have filled my complaint. I called XXXX and they have no knowledge of this company. I just want everything to stop. I want the information from Pinnacle Credit Services removed from my credit report. Like clockwork they renew the information on my credit report and it causes a drop in my credit score every time this happens.
Product: Student loan

I was paying my loan for many years never missed a payment. I was suppose to get My loan forgiven It never happened.
Product: Credit reporting or other personal consumer reports

I was a victim of this data breach and I want this account be deleted immediately