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

XXXX I wish to complain about XXXX, Equifax and XXXX in reference to My credit, I have reached out to them 3-4 times this year in reference to my credit. By law I do not consent them to have inaccurate information on my credit. 

By law codes : Section 604 15 US Code 1681B Section 605 15 US Code 1681 C-1 Section 605 15 US Code 1681 C-2 I do not consent them ( XXXX, Equifax and XXXX ) to report anything on my credit without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed reports from a few years ago are still on my account. 

XXXX DEPARTMENT STORE Closed Closed on XX/XX/XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX. 
XXXX DEPARTMENT STORE Closed Closed on XX/XX/XXXX 2013
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX XXXX Credit Acceptance and I negotiated an verbal contract to settle in full to my auto loan in the amount of XXXXCredit Acceptance had giving me a time frame to release the funds no later then XXXX XXXX XXXX XXXX.Credit Acceptance received the amount in full as agreed on XX/XX/, which the account should have been closed and as in good faith standing. then I went to two different auto dealers to get an auto loan and both dealership informed me that no lender accept me for an auto loan, due to Credit Acceptance reported on my credit reported Negative and derogatory remarks which includes an I9 ( charge off, repo ), and the I4 rating ( late payments ). My account was settled in full and not a charge off./repo.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$100.00}
Product: Debt collection

This third party collections never successful contacted me or have accurate information to contact me about a debt before reporting on my credit. Then stop reporting after several months of inconsistent reporting on my credit resulting a negative remarks. Want to be removed and don't have the original agreement toward the debt reported on my credit. NCB management. No validation or have the original creditor agreement.
Product: Credit reporting or other personal consumer reports

i noticed upon checking my reports that i had a few inquiries that i had no knowledge of so i contacted the companies and explained i never contacted them for any sevices and they said that they would take care of this matter XXXX XXXX XXXX XXXX XXXX but it still has not been removed from my reports, i contacted Equifax and made a dispute on the companies ( pentagon FCU ) and in less than XXXX they responded saying the dispute was complete saying disputes will remain ( in less than XXXX. how could they have done a valid inquire into the matter? )
Product: Credit card or prepaid card

First of all I haven't been able to log into my account because all of my information has been changed this started last month I had to make an over the phone payment and they are saying I never paid on it so I started receiving emails a week ago saying I missed a payment this was 10 days after the due date I got a call from a collection agency saying my card was cancelled I called the credit card company and asked them several times if my card was cancelled she said no twice and yes once so I'm not even sure if the card was cancelled then the information they have on file is wrong but somehow they have my phone number right so I can't log in online because the system says my phone number is wrong now I just tried to make a payment again today and none of my information is right I tried to call but the lady I spoke with didn't know what I was talking about they lowered my credit limit and started charging me for some insurance I told them I did not want there is some charge on my card for something and I never made that charge but can't get anyone to fix it if they are trying to mess people 's stuff up so they can charge more that is complete XXXX XXXX  and something needs to be done about this I plan on cancelling this card once I pay it off cause they already made my credit score drop and I'm not gon na get ripped off by anyone period
Product: Credit card or prepaid card

On XX/XX/2022 I applied for the XXXX XXXX XXXX with Comenity Bank. I received a hard inquiry through XXXX and began the waiting process for my approval/denial letter that was stated in the site to be received between 10-14 days. I never received a letter. I called and was told to wait a few more days for the letter. Weeks had passed and I didnt receive anything. I contacted them again and asked to speak with a higher up and I was told that I never applied for their credit card when I did, I told them, If I didnt apply why did I receive a hard inquiry?. I was then told to apply again on XX/XX/2022, and the same thing occurred. So after waiting weeks, I called and they still had no response for me. Finally, after calling and after the window of time of the approval or denial process they sent me a letter of denial. I called and spoke to a higher up after numerous of times and they had no answer for me. They didnt want to fix the issue and I ended up contacting XXXX and a representative agreed that they should remove the hard inquiry if I never received a approval or denial letter and since they stated that in their database they had no information that showed that my application ever existed. The representative of XXXX sent a letter to their mailing address and I never received a letter back from Comenity bank. I contacted Comenity Bank regarding an update on the letter and I was told by a representative that I would have to keep sending letters until they responded. And I explained that I have been waiting months, and their response to me was to continue sending letters anyways. I have been dealing with this bank for 8 months already and they have shown to be unorganized and irresponsible with the application process. They stated that they had no way of helping me and have not given me a response ever since.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is missing credit card information on my Experian Credit Report. XXXX XXXX has claimed that they are reporting this credit card to all 3 major agencies. However, it does not reflect on Experian Credit Report. Experian has claimed that they have not received a report from this creditor. Experian launched an incorrect investigation claiming that I wanted a closed account updated. However, I was looking to have this account accurately reflect on my credit file. My file should reflect that I have {$1300.00} in revolving credit and not {$1000.00} this missing credit card ending inXXXX needs to reflect properly on the Experian Credit file. Please instruct both agencies showcase the missing information.
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 XXXX debt 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 debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX bal. {$280.00} and XXXX XXXX bal. {$0.00}
Product: Debt collection

I was contacted by XXXX XXXX XXXX XXXX on I believe XX/XX/XXXX about a debt from XX/XX/XXXX from the Cash Store. When I answered the phone I was asked if I was available and if I would be at my location to receive documents. I was transferred over and spoke with XXXX who told me that I owed for the Cash Store. We spoke for a few minutes and after I contacted the Cash Store and was told that my debt was with another Collection agency. Called the Collection agency that the Cash Store Corporate office referred me to and was unable to get anyone. On XX/XX/XXXX I received a call again from XXXX XXXX XXXXXXXX XXXX processing center and was transferred to a rep name XXXX and after going back and forth about this debt and if their collection practices of this debt was legal. I was told that the debt was {$1100.00} and that they could in fact collect that amount if the debt went into ligation. The {$1100.00} was the interest and ligation fees. XXXX wanted to settle but did not confirm the original amount. After I ended the call with her she called back from a different number and I ended the call. I contacted the Cash Store Corporate office again and I spoke to someone in the Admin office and was told that the debt was sent to XXXX XXXX XXXX years ago and the amount was incorrect. The amount was only {$190.00}. I called XXXX XXXX XXXX and the agency is now closed, you can still leave a message as they still do check messages. I called back XXXXXXXX XXXX  XXXX and this time XXXX answered, he remembered me and to make a long story short. After going back and forth about the debt, the {$1100.00}, and etc, he wanted to see if he could settle with me before they moved on to ligation process. I asked to speak with the legal team and was referred to a manager name XXXX. I let her know that I wanted to speak to the legal department and we went right back and forth about the debt and their legal practice of collecting this debt. I let XXXX know that XXXX let me know that they used to be XXXX XXXX XXXX. XXXX told me she did not know why he would say that. Again we went back and forth about the debt. I let her know, like I let the previous reps know, that I will be contacting the FTC and filing a complaint. I read XXXX the article where last year in XX/XX/XXXX CFPB sued XXXX XXXX and its affiliates for Illegal Debt Practices. She disregarded the article and said that I could email to her and wanted to talk about the debt. Basically the same as the previous reps if they can not settle it then they will have to move forward with ligation process. I ended the call. She called back and I let her know that I would be filing a complaint to protect myself and looking into legal counsel since they are moving forward with the next stage of suing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting duplicate information. The following inquiries are duplicate : -XXXX XXXX XXXXXXXX XXXX XXXX XXXX  The only correct inquiry for this account is following : XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have been trying to get in contact with all three credit bureaus EQUIFAX XXXX AND XXXX since XX/XX/2020. This is ridiculous I am in the process of purchasing a home and in need of everything reporting on my file to be as accurate as possible and their non compliance with this issue is delaying the process. All the accounts on the attached letter it being the THIRD letter I sent to them have inaccurate information reporting including balances that are wrong. They failed to verify any of these accounts or to update anything so at this point I am distressed and this needs to be removed. I was lenient to not submit a complaint sooner but at this point this is stressing me out.
Product: Credit card or prepaid card

This issue began in XX/XX/2020 with a credit card charge related to the purchase of what I thought was a set of cordless power tools online on XX/XX/2020. I had ordered 2 sets of tools with a total of XXXX. The tools were to be shipped within approximately 3 weeks. 

After about a month, I called the Chase customer service number on the back of my credit card to explain my situation, and explained the I never received the tools. I had also ordered an additional 3 sets of XXXX tools the next day that were advertised on a website I was on, and I never received those either. The total for that purchase came to {$290.00}. I called on those tools as well, and did receive credit from Chase for that transaction. At that time, I spoke with a customer service representative of Chase and she submitted a dispute claim and credited my card back and told me that Chase fraud department would investigate it and that I would receive a letter with their findings. 

A day or so after I disputed the transaction, I received a small package via US mail. I opened it up and it was nothing I had ordered, nor did I even know what it was. I kept the item and the shipping packaging with the information. A week or so later I got another small item, what appeared to be a card holder of some sort that you would stick to the back of a cell phone. I saved that packaging and item as well. I also took screen shots ( with my cell phone ) of the items I purchased and am including those photos along with photos of the two items ( and the packaging ) that was shipped - as proof that I did not get what I thought I purchased. 

I followed up in XX/XX/2020 related to the {$170.00} charge and was told that the time allowance of investigation had expired, and that Chase was closing the matter and would not be reimbursing me for the charge. 

My complaint is related to Chases lack of response or follow-up to my issue. I made countless phone calls, waiting on hold for extended periods of time, and followed up with an additional submission of documentation. I made all of the effort to resolve the matter and they never followed through, and then simply said that my time had expired on the complaint and they were closing the matter. I spent time and money ( approximately {$30.00} ) mailing ( by registered mail ) the documentation related to my issue. I did this not once, but twice. I put forth all of the effort and expense and they did not honor their commitment to me as a customer. 

The CFPB is my last form of action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items and information on my credit report on XX/XX/2021. I then again sent out a demand to comply letter on the XX/XX/2021 to XXXX, XXXX, XXXX. It has been well over 30 days and I still have not heard or received any investigation results.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me 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
Product: Credit reporting or other personal consumer reports

I have recently paid off my Student loan debt and I need that to reflect on all 3 Credit Bureaus. Below is the proof of Payoff not only from the IRS but Nelnet Inc. themselves.
Product: Payday loan, title loan, or personal loan

I was scammed by a guy on XXXX offering financial assistance. He said all I needed was to have an active bank account and the money would be deposited. This was to be considered a donation from his organization. I would only be required to give him half of the money deposited. I figured that should be OK since I would receive the money first and then give him half instead of the common red flag of sending out money first. Totally unaware that he had in fact applied for a loan from my bank, in my name, until after I sent him the money. I NEVER requested this loan or signed off on it but it was given easily and freely without my knowledge, and what I thought was money being given to me was a scam for me to give money to the scammer that I don't have. What happened to the security aspect of identifying the person when transactions like this are done online, or even requiring 24 hours for deposit to be made. I was totally blindsided. I was not the person who took out this loan, I am the victim of identity theft and my bank/credit union has been defrauded as well as many others. I can not afford this loan and I refuse to accept responsibility for it since I didn't authorize this transaction or sign for it. The loan is for {$6000.00}. Upon making the police report I was made aware that this same guy has done this before and he's facing several felony charges. Even on it's face, the loan is of predatory lending, I would not have agreed to those terms given the percentage rate. I've been preparing my credit for a decent mortgage loan, not this, and my credit is in good standing. I don't need this stress. Please help!
Product: Debt collection

arg will not provide me with a hipa transcript with what their billing me for if i dont get this i will file lawsuit against XXXX  XXXX  unless they provide me with my hipa transcript
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, BYL COLLECTION SERVICE, XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, BYL COLLECTION SERVICE, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted DIscover various times to payoff balance. I was offered to payoff balace for a discount which I am willing to do. I am calling doscover and they just send me to another " special division '' ad then the line just hangs up. 

I want to resolve issue and pay off any balance if there is actually a balance to pay off due to Statute off limitations and the fact that Discover also againtst FDCPA contacted an unrelated third party regarding an alleged debt. They left a voicemail and it is in my posession. 

Thank you and Discover should erase any negative remarks from my credit report. 

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

Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
XXXX XXXX Balance {$1100.00} XXXX/XXXX Balance {$4500.00} XXXX XXXX Balance {$2000.00} XXXX ( Original Creditor 11 XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1300.00} CBE GROUP ( Original Creditor : 01 XXXX XXXX ) Balance {$230.00} ( Original Creditor : XXXX XXXX XXXX Balance {$1100.00} ( Original Creditor : XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$34000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix my credit for a while now and seems like everyone is making it so extremely difficult. My attorney sold off my bankruptcy and they in turn kept most of my discharged debt all over my reports appearing too look innocent but in reality they secretly report and from other credit monitoring apps. I learned a lot this whole struggle. I wish there were someone who really cared and would go after people for doing others like this. All i want is a small house and the least these companies could is correct the items so i can have a small chance. But this issue Im having { amongst a lot of other discharged accounts } On this one account I thought was very suspecious. because none of the information makes sense too me.. I asked the company to validate the account and once they did, it came back with another name. That has never been my name, I havealways held thr same lastname my whole life, After discovering the account wasnt mine, I contacted Experian and XXXX, Its been well over the 30 days and according to Federal credit law, spelled out in the Fair credit reporting act. FCRC a credit bureau is required to respondand complete their investigation within 30 days ... ..If they do not, they must remove the item in question!
Product: Bank account or service

I signed up for a Citibank Gold Checking account, which stipulated that I would receive XXXX XXXX Miles after following the below instructions : Apply for the account online or call XXXX to apply by XXXX XXXX, 2016 Use promotion code " XXXX '' Make at least {$1000.00} in debit card transactions in the 1st 60 days of opening your account, AND Make at least 1 bill payment for 2 or more consecutive calendar months within 60 days of account opening.
Product: Credit reporting

Back in XXXX 2007 I disputed a Tax Lien on my report. Trans Union investigated and removed the incorrect data. Despite verification from the Court that this lien was " EXPENGED '' it has not re-appeared on my credit report as " satisfied or paid. '' which is INACCURATE, FALSE and FRAUDULENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my report. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX USC XXXX XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : ( XXXX XXXX  Date of inquiry XX/XX/2019 )
Product: Checking or savings account

I had an business account and personal account. They closed my account due to the fees they were charging unfairly. Held on to my business account funds. My company name was XXXX XXXX XXXX XXXX.