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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. I HAVE ATTACHED MY FTC REPORT PER THEIR WEBSITE! 

I have disputed these fraudulent inquiries multiple times with Experian and they kept ignoring my request. So i'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately.
Product: Credit reporting or other personal consumer reports

After completing FTC, Identity theft report, and police report, chief inspector complaints. XXXX, Equifax and XXXX still have not removed the second identity causing a conflict when pulling credit on report. I have included screen shots of public record request of which is searchable showing that there are NO public records but yet there is one on my credit report. I have called capital one as well and they do not have any credit cards that are reporting collection on my credit report nor have they been reporting anything underway social security number. When I called XXXX they could not provide an explanation and refused to transfer this issue to the fraud department as a complaint for interdepartmental fraud, meaning that it is one of their employees causing the issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXX/XX/XXXXXX/XX/XXXX I was a victim of identity theft and called to have these inquiries removed but to no avail
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I saw a new inquiry on my credit report using XXXX XXXX by below institution. 

XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX I went to trans union website to file a dispute and had to register for transunion account. 

Post registering the account with TransUnion I found that there is no way to dispute a hard inquiry and I also found that they signed me up for paid XXXX $ monthly subscription service without my knowledge. 

I have 2 complains - Remove unrecognized hard inquiry - Stop frauding customers by auto signing them up for paid subscriptions and revert my money. They may have somewhere very small in their policy that its a paid service of XXXX $ but its clearly not evident when signing up and seems to be kept that way to fraud its customer. 

Thanks,
Product: Debt collection

I am getting phone calls and letters from portfolio recovery ( XXXX ) XXXX for a credit card debt that was discharged in bankruptcy court
Product: Credit card or prepaid card

I have had numerous fradulent charges on my account from the past month. I addressed this with them as soon as I was aware of the charges. To date they 've only removed 3 of the charges and There remain for charges totaling almost {$200.00} 3 weeks later which have still not been remove. I called them again yesterday requesting these charges be removed. The person I spoke to help me verify that I wanted to remove those charges as being fradulent. I again stay that yes they were fradulent charges and I want them removed for a second time I made this request. Today the charges remain on my credit card and I 'm beginning to get close to bill payment date. So I 've been trying to get them to resolve this so I do n't have to make a payment to avoid problems with crediting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan with a credit union and was denied due to so called unpaid deductables which went to collections without my knowledge. i viewed the report at the credit union and found several variations of my name which were incorrect. I established a account with Experian and requested access to my credit report and they could not confirm my identity. My credit reports do not show up on XXXX XXXX experian only for XXXX and XXXX but Experian is blank. I have been on the phone with experian every other week for the past 3 months and never get a follow up phone call or email with results. When I speak to some one each time i call there are rarely notes left in the system of past conversations and progress. I was instructed to fac in a copy of my drivers license and social security card and was confirmed it was received back in XXXX and no corrections were ever made and correspondence from Experian. i feel like this is being done on purpose or no actual follow through with there staff could you please contact me and let me know what the next steps are. i am ready to take legal action next XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance Owed : {$1.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Debt collection

I have called Transition several times for items to be removed from my credit report I also asked for a Investigation and I don't believed I was provided a full investigation because if I was then the items would be removed from my credit report because they would be able to see that I have never lived at that address or had that phone number. I really don't want to have to sue them I have provided a police report as well and every-time I ask if they have gotten they lie and tell me they haven't gotten it but that a lie. I also asked if they show, me proof that they have did a investigation and not a computer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  XXXX XXXX account. great card no issues. However on XXXX XXXX, XXXX XXXX ( Bank ) XX/XX/2022 i had asked for a credit card increase. I was told by there customer service rep this would only be a SOFT pull that's why I did it. When I later looked they had made it a hard pull and explained how the customer service rep provided wrong information. They had told me would give me a courtesy an remove the hard inquiry for the increase for being a valued customer but it had never happened. I have tried on multiple times to fix this since and it has never happened. I have no issues with the credit card, the store and bank. I will continue doing business with them as there company I always recommend.
Product: Credit reporting or other personal consumer reports

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. 

XXXX XXXX XXXX Balance Owed : {$370.00} XXXX  XXXX Balance Owed : {$40.00} XXXX XXXX XXXX Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance XXXX XXXX {$420.00}
Product: Debt collection

LVNV funding LLC acct XXXX XXXX was sent letter to Validate debt. Ask for Original contract with my signature and proof of ownership or assign to debt also payment history
Product: Credit card or prepaid card

On XX/XX/XXXX my spouse and I stayed at XXXX XXXX in XXXX, FL. I paid in advance for the room charges of {$1000.00} using my bank account. Upon arrival I placed my capital one credit card on file for incidentals. When I checked out I was told my bill was paid in full and we departed. The hotel somehow made an error on XX/XX/21 with their accounting and refunded all room charges to the capital one card since it was the last card I had on file. My card balance reflects - {$1000.00}. The hotel realized what they did and needed their money back plus the incidentals which they failed to process of {$250.00} so they tried to charge my capital one card a total of {$1200.00}. I hold a {$500.00} credit line so capital one is declining to accept the transaction. 
I've attempted to call capital one and rectify this but they claim they can only mail a check directly to me so I accepted. It's been a week and it hasn't arrived yet and the hotel is getting anxious over this. I called the credit card company again tonight and they still refuse to allow the transaction to go through even with a negative balance on the card that doesn't rightfully belong to me or the card company. 
I have enough of a credit line to cover the incidentals after they refund is removed but capital one says my credit line isn't sufficient. 
I was forced to try and increase my credit line, taking a hit on my credit score and in the end, I didn't get enough to make this transaction happen. 
There is no reason capital one can't return the refund to the hotel and allow them to charge the {$250.00} I still owe. 
I'm concerned this will cause me litigation from the hotel all because capital one is illegally holding onto money that doesn't belong to them and drawing interest off of it as well. Please help me resolve this.
Product: Credit card

I purchased a total of 4 items on XX/XX/2022, from XXXX. The items were delivered on XX/XX/2022. Upon opening the box, I noticed something strange from the start. I noticed the seal of various boxes to be tampered with. The seal being broken was the first red flag. The second red flag was the condition in which the boxes were in. The boxes were clearly mishandled because they were damaged. This is the reason why I am requesting a full refund of {$1300.00}. 
Processors The two processors I purchased were the XXXX XXXX and the XXXX XXXX. The XXXX turned out to be a XXXX XXXX XXXX and this was one of the items with a broken seal. The XXXX XXXX was correct, but the pins were bent and it was also one of the items with a broken seal. Upon realizing what was wrong, I immediately went to XXXX in XXXX, CA to try and fix the problem. When I got to the store, the manager in charge refused to replace the items stating, Its my word versus your word. I went home and tried to talk to customer service over the phone but they kept insisting I visit a different store and try my luck there. 
Motherboards I purchased two motherboards in this same purchase. I purchased an XXXX XXXX XXXX and a XXXX XXXX XXXX. The XXXX XXXX motherboard was misboxed and I received a random blue motherboard made by XXXX. This was not at all what I ordered. The XXXX XXXX tomahawk was the only correct item. It worked as intended, but after dealing with all these other defective products, I just wanted my money back and did not want to deal with XXXX anymore. 
Second Attempt I made a second attempt to return the products. On XX/XX/2022, I visited the XXXX location in XXXX, California. I explained my situation, and the employees seemed to understand where I was coming from, but unfortunately, they did not go through with the return. Instead, they gave me a customer support number to call and try to get the return approved that way. I was unsuccessful in having them provide me with the means to return the merchandise in the same condition I received it. 
Final Thoughts My experience with purchasing items from XXXX was a complete disaster. Not only were the items delivered in a mishandled condition with broken seals and damaged boxes, but the items themselves were defective and incorrect. Despite my attempts to rectify the situation by visiting XXXX different XXXX locations and contacting customer support, I was met with resistance and unhelpful responses. I am left with no choice but to request a full refund of {$1300.00} for the XXXX items I purchased. This experience has left me extremely dissatisfied with XXXX and I do not recommend anyone to purchase items from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every credit report ( all 3 Transunion, XXXX  and XXXX  ) shows balances owed on my general and store credit cards, however all of my credit cards were paid in full and have a XXXX balance. I have disputed with all 3 bureaus and provided statements showing a XXXX  balance to all 3 bureaus but they never made any correction. Additionally, there are several credit cards that show a delinquent payment, when it was not delinquent, on 3 accounts XXXX, XXXX XXXX mastercard and XXXX XXXX credit card, applied my payments to the wrong account, all 3 companies are operated under the same financial institution, and payment processing center. On the other credit cards, I made the payment on-line on time, but they have a 10-15 day processing period that created a delinquency when it was the processing time at the company themselves. I also have a XXXX collection account that was paid and I have notified all XXXX bureau 's with the payment confirmation number. The balance owed on my mortgage is higher that what I actually owe, I confirmed this with my mortgage company. Finally, there are a few collection accounts with XXXX and XXXX XXXX XXXX, although I made payment arrangements with XXXX to pay 30 % less to satisfy the account, I know nothing about XXXX XXXX. I never signed an application, agreement, never received money, credit or statements. I asked them to provide proof that this account was mine and authorized by me, and after 7 requests they still have not provided anything, no statements, copy of application, copy of agreement, no proof at all that this account i mine. I disputed all of the above items with all 3 bureaus and nothing has been investigated, corrected or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Credit inquiries I don't recognize in my Credit Report : - XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX Bank XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This was with XXXX debt to XXXX XXXX XXXX and I was sending checks to them for this debt and it was being sold to different debt collectors and I have another debt that was paid off and they were trying to collect from me again for the same thing the hospital has not notified that it was doing so and just doing it and its with several debts I had XXXX and I am paying slot of bills they are cashing my checks and still sending my stuff to debt collectors now they are messing with my credit I worked really hard to build
Product: Debt collection

The bank is saying that this was settled for less than the debt amount which is completely false. The account was settled in full directly with them. They know this account is older than the statute of limitations and I want this false derogatory information deleted immediately.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$170.00} ; XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX, XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Wells Fargo Bank ( XXXX ) Failed to provide a requested payment arrangement. My, at the time XXXX XXXX, XXXX failed to pay the {$80000.00} wages incurred. In good faith I made {$100.00} payment on or about XX/XX/year> which was a mere few dollars less than " payment amount due ''. XXXX canceled the credit card demanding outstanding payment in full. XXXX calendar days later XXXX " XXXX '' the entire remaining balance amount " {$870.00}. '' While XXXX sent deragory information to my credit report reporting " Charged-off '' balance due {$870.00}. This is the current status. I contacted XXXX XXXX XXXX, Account XXXX who informed me above info was correct according to XXXX and no XXXX was issued nor would be issued at any time inspite of this account being charged-off status. In fact, per XXXX I am still responsible for the {$870.00}. However, XXXX will permit me to call XXXX to reach a settlement agreement and pay same inspite of XXXX engaging in fraud and unfair and deceptive trade practices by charging-off the {$870.00}, writing same off as a loss, and then demanding I pay same back to XXXX who would be given a financial windfall of double dipping, i.e. writing same off as a loss and then, demanding same amount from me or damaging my credit.
Product: Credit reporting or other personal consumer reports

Today, I noticed an unauthorized inquiry on my credit report, and I have no explanation for it. I check my credit report frequently, and this unexpected issue caught me off guard. I refreshed my browser multiple times, thinking it might be a glitch, but the inquiry remained. I am beyond frustrated and need this fixed immediately. Please ensure that my submitted documents are carefully reviewed so I can finally have peace of mind.
Product: Student loan

I was diagnosed with XXXX  XXXX XXXX XXXX metastasized to my XXXX in XX/XX/XXXX, and have been undergoing treatment since that time. On Monday ( XX/XX/XXXX ) I became aware of The Department of Education Appropriations Act, XXXX ( XXXX. XXXX, the Deferment for Active Cancer Treatment Act ) which provides the following : Student borrowers with XXXX can now pause their payments Borrowers are now exempt from their federal student loan payments throughout their treatments for XXXX and then for six months afterward. 
Interest will not accrue during the postponement I am XXXX years old and have substantial student loan debt which accrues thousands in interest every year. This deferment program would help me tremendously, especially because I have a significant amount of out of pocket medical expenses I am incurring with each XXXX treatment, which includes XXXX, upcoming XXXX and XXXX etc. ; and because I have often not been able to work this past fall, secondary to the grueling side effects of XXXX. Although stage XXXX XXXX is incurable, I hope to work at least part-time as long as possible so that I continue to have medical insurance through the ACA ( rather than go on XXXX XXXX XXXX, which is my only other option ). However, my income is significantly reduced. 

On Monday and again today, I spent a considerable amount of time on the phone with multiple people from my student loan servicer, American Education Services ( AES ) which is owned by PHEAA, to ask for the paperwork to start the deferment process under this program. 

I was passed from person to person on the phone both days, and today I finally reached a manager who relayed that, although my student loans are Federal Student Loans, American Educational Services is NOT a Federal Student Loan Servicer, so they do not have to comply. My federal loan servicer has changed several times ( not by my choice ) and the loans were recently taken over by AES this past fall. I don't understand how my federal student loans can be taken over by a non-federal student loan servicer, or how AES can actually service federal student loans if they aren't a federal student loan servicer. 

The manager from AES went on to say that although my loans are, in fact, federal loans, because my loans are older than XXXX, apparently the year when the Federal Student Loan program changed, I am not eligible for the XXXX deferment program ; and furthermore, " because AES is not a federal student loan servicer they do not have to comply with the Deferment for Active Cancer Treatment Act   anyway. '' The AES/PHEAA manager could not explain why the date when my loans were taken out made a difference, or how the federal student loan program had changed in XXXX. 

When I got off the phone today I researched AES/PHEAA and discovered out that the company is less than scrupulous and that there have been numerous complaints made by loan holders. 

I have already reached out to Congresswoman XXXX XXXX XXXX 's office on Monday ( I am a constituent ) and have heard nothing in return. Right now I am in tears and am physically ill and do not know who else to contact. I was hoping you might be able to help.
Product: Credit reporting or other personal consumer reports

Innovis, XXXXXXXX XXXX XXXXXXXX or reporting incorrect information onto my consumer report. My name is XXXX XXXX my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX there should be no other information listed on my report it is not correct. Send me an updated report listing my information correctly or risk being sued for damages.