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

Equifax ; XXXX  and XXXX  should not be reporting each inquiry listed on my credit report as a separate line item. ( Please see pages attached. ) These multiple inquiries are well within the 14 45 days that is typically allowed to check different lenders and find the best loan. These inquiries are all the same lender and therefore should only be reporting as ( 1 ) line item. All of these inquiries are of like kind. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these line items need to be removed and report only as ( 1 ) inquiry. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit card

This formal complaint is regarding Best Buy 's deceptive advertising and marketing practices that I believe may have violated Section 5 of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ). Best Buy had a XXXX XXXX advertised on its website for sale on XX/XX/year>. On the same Best Buy website product page, there was an advertisement and link to sign up for a Best Buy Credit Card, which would include the promotion of a 15 % points reward bonus on the first purchase upon opening a Best Buy Credit Card ( the XXXX XXXX qualified for this promotion ). Based on this representation by Best Buy, I clicked on the promotional link, signed up for the Best Buy Credit Card, and was approved. For my first purchase with the Best Buy Credit Card on XX/XX/year>, I purchased the XXXX XXXX on the Best Buy website ( {$2900.00} ). After the purchase, I called Best Buy and they confirmed the purchase was eligible for the 15 % promotion, and that I would be receiving it. However, Best Buy only awarded me base points of 5 % for the purchase ( {$150.00} ), and a separate promotion of a {$25.00} reward for the purchase of a laptop ( the separate promotion was not in connection with the 15 % points reward bonus - {$25.00} bonus reward with {$240.00} or more spent on a laptop '' ). I have waited for almost two months and called Best Buy multiple times to check on the status of my 15 % rewards. Even though Best Buy originally confirmed I would be receiving the 15 % points reward bonus for the first purchase, after this confirmation, the various Best Buy representatives have put me in circles with different numbers, made different promises on actions being taken, and excuses for why the 15 % rewards are not yet reflected in my account. Based on the latest call with Best Buy on XX/XX/year>, they first tried to say that the XXXX XXXX was on sale, so I was not eligible for the 15 % rewards ( the promotion did not state this ) ; after I pushed back on that excuse, they then said there was no 15 % reward shown on my account for the purchase and they can not do anything. This statement by Best Buy goes against their advertisements and multiple previous representations to me. This practice by Best Buy for their Credit Card promotion was highly deceptive and a material misrepresentation. As a consumer, this is very injurious to my interests, as I relied on Best Buys representations in signing up for their credit card, and making a large purchase for a XXXX XXXX. I am sure I am not the only consumer who was injured by this deceptive practice. These types of actions by Best Buy should seriously be looked into by proper authorities. This is not acceptable behavior by a purported reputable business.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

The account was reporting as XXXX XXXX XXXX with an account number XXXX and a balance owed of {$1700.00}. The XXXX XXXX was XXXX. I disputed this account for inaccurate reporting and it was removed after proper investigation from all XXXX credit reports between XX/XX/2023 and XX/XX/2023. I was relieved the inaccurate reporting was removed from my file because I am in process of getting a government job and my credit is important for the job requirements. 

However, XXXX XXXX at some point acquired the debt unbeknownst to me because I was not notified. They reported the debt to my credit again and to add, the reported it inaccurately on all XXXX bureaus. The Account status does not match, the payment status does not match and the last payment does not match. The date of last activity does not match, the date reported does not match, these inconsistencies are across all XXXX bureaus. I demand XXXX XXXX re-investigate this and send me ALL relevant account information including but not limited to Date Opened, Balance Owed, Closed Date, Last Payment Date, Payment Status. 

This is going to cause serious injury if not corrected and removed as it was prior to XXXX XXXX purchasing a bulk finance. All relevant documents attached.
Product: Credit card or prepaid card

i am writing you today because i was shocked when i looked at my credit report and saw that you are reporting me 30 days late on XX/XX/2018 
i am a senior citizen and i need my credit to be in good standing i am a business owner and i want to apply for a loan but your reporting is hurting my ability to obtain a loan. 
i dont remember missing a payment the only thing i can think is that my statement didn't get to my mailbox, the mailman might of dropped it off in the wrong mail box.
Product: Debt collection

The electric company accidentally closed my account and sent the debt to a collections agency. I contacted the electric company per the collection agency to resolve the issue. The electric company confirmed they had accidentally closed my account, but I still owed that debt but I could pay it to them. I paid the amount that same day to the electric company. The collection agency has contacted me several times after I had explain I had paid the debt and I no longer owe it.
Product: Debt collection

Hello, I have been trying to figure out how to resolve a so called collection account with a balance of {$470.00} that appeared on my credit a few months ago with no solution. The company name is Radius Global Solutions LLC and when I call them they can not seem to ever find my file and I recently emailed them requesting proof of the debt and they sent me a letter in the mail now asking me for proof of the debt such as collection account number and original credit information to verify my debt so they can locate my file. I do not have that information as thats what I was requesting from them. I have disputed it through XXXX and they always say the debt is valid and will not remove it even though no one can verify the debt to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I recently wired {$18000.00} from XXXX to PNC Bank account # XXXX XXXX # XXXX for purchase of a camper on XX/XX/19 at XXXX hours. This turned out to be a scam. I went to XXXX   the next morning to request help and I was told there was nothing I could do the money was gone. I explained that PNC stated I could request a reversal of the wire transfer and was told by Mr. XXXX XXXX PNC Bank he would freeze the account. XXXX sent a request for reversal to the FedPayments Manager at XXXX hours on XX/XX/19. I was informed by Mr. XXXX XXXX that all claims to this account have been closed and PNC was unable to recoup any money. I have now been informed the money is not available to return by PNC Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to XXXX credit Report # XXXX Dated XX/XX/XXXX. First Interstate Bank Account # XXXX. I have contacted the creditor and the consumer reporting companies through multiple dispute letters. The creditor and consumer credit reporting companies blame each other for not be able to correct errors in my Credit report. I have, sent in dispute letters, many times, I have contacted XXXX, XXXX, XXXX, and XXXX, and First interstate Bank has verified the information on each of the credit reports. I will attach a copy of a document from XXXX showing the account and a copy of the loan history from First Interstate Bank. 
The reporting document from XXXX shows that account number XXXX First Interstate Bank was discharged through bankruptcy XX/XX/XXXX, This First Interstate account was for {$24000.00}. This account was REAFFIMED and paid in full ( XXXX  Error ) INACCURATE. The Payment History on the XXXX credit report stops XX/XX/XXXX WRONG. Please look at the loan history ( second attachment ) you will see that the loan was paid through XX/XX/XXXX ( XXXX Error ) the payment history date ( XXXX ) are INCORRECT. While this loan covers XXXX  years the " Terms '' on the XXXX report shows NOT REPORTED ( XXXX Error ) INCOMPLETE. The " High balance '' is NOT REPORTED ( XXXX Error ) MISSING DATA the " Recent balance '' are NOT REPORTED ( XXXX Error ) MISSING DATA and The " Monthly Payment '' is NOT REPORTED ( XXXX Error ) MISSING DATA. These errors from First Interstate Bank are also in XXXX, XXXX, XXXX, and XXXX. By Law FCRA Section 609 and 611 require that consumer credit reports are to be accurate and complete if information is not accurate then the account is to be delete. By examining the attached First Interstate Bank statement you can see that the information on the XXXX report is very INCORRECT, Important Data has been left out. This credit report is not accurate and is incomplete.
Product: Debt collection

I was recently contacted by IC Systems regarding an outstanding utility bill from XXXX that I am not responsible for. I have never had XXXX services in my name. How this was addressed is because I am currently resolving an issue with IC Systems for an electric bill. I am not for certain but my guess is this is a case of fraudulent activity. The amount that was community me that I supposedly owe is {$850.00}.
Product: Credit reporting

Yes I want to file a complaint because equifax every time a credit pulls my credit equifax will not generate a report and I am turned down because of their incorrect database showing me non existing. I spoke with their call center in XXXX not XXXX ga they asked to provide a copy of my drivers license social security card and utility bill which I have mailed them in over 8 months ago still they have not added me to their database at age XXXX
Product: Student loan

Almost ten years ago I heard about the Federal Student Loan Repayment Program for government employees. I immediately called my servicer to enroll in the program. At the time I was advised by the servicer that I was enrolled in the wrong repayment plan and that I needed to switch plans. So I switched from an income based plan to a 20-year repayment plan based on their recommendation. This had no effect on me personally as the payments were the same in my particular case. Every couple of years I called and checked on the status of my loan and even submitted the necessary paperwork to update my employment status. This past year I called to enquire about the status of the filing paperwork which I had been assured would be available when I had completed my ten years of payments. At this time I was advised that I had been enrolled in the wrong repayment plan for the past ten years and no longer was eligible for the program unless I started making payments for another ten years! Not only was I in the wrong plan but according to my new servicer if I had stayed in the original repayment plan I would qualified! I can not express the anger that I felt that I had been relying for ten years on a benefit that I was not longer eligible for! I was even more alarmed to find out that this is not an unusual circumstance. Of the handful of friends that I have who also qualified for the program, over half spent years making payments that were ineligible based on advise from their service providers! I have no idea what my rights are in this situation but I feel like at a minimum the servicer should face a penalty and other people should be made aware of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion are reporting inaccurate and incomplete credit information. I sent in a dispute letter explaining this and received inaccurate results, I also asked Transunion to verify these accounts by sending an original consumer contract with my signature on it for each account and receive not one.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and XX/XX/2022 I sent to the XXXX XXXX XXXX Equifax letters informing them of my series of unfortunate events that had taken place without my knowledge. I had been defrauded and taken advantage of by an unknown assailant and this is what I explained to Equifax via letters on several different occasions. In these letters I sent to Equifax I had included laws, dates important to the theft, an FTC Report as well as other explanations to support my claims. After all of my efforts and time spent trying to rectify what has happen to me unlawfully I am still being negated and I feel not taken seriously. I demand the crime I have been victimized by be given the proper consideration. see attachments for proof of claim, proof of Identity, as well as proof of current address is on my Drivers License and this will have to suffice because I have no bills or mail at the moment.
Product: Payday loan, title loan, or personal loan

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on an extension of credit account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTED IN CORRECTLY ITEMS SHOULD BE REMOVED BASED ON FRAUDULENTLY CHARGS OCCURRED I kindly informed all the CREDIT REPORTING AGNCY and the BANKS of my SCAM with   XXXX   XXXX   XXXX   that happened in  XXXX  when the company had Possisions of my card and commited Fraudulent charges on some of my cards Those account now are still reported in Collection and Charged OFF and negatively hurting and harming my credit FICO SORE and CAUSING ME Financial and emotional stress in obtaining loans and a getting approved for a line of credit because of the derogatory marks I called in the Banks Numerous time in the MONTH OF  XXXX  and the Month OF  XXXX   XXXX  and explained to them my circumistances they asked me to call the CREDIT Bureaus and request and early removal of the account I Called the CREDIT REPORTING BUREAS and informed them they ASKED ME TO CALL THE BANKS TIME are PASSING BY and i wo n't be ABLE to be QUALIFIED for mortgage based on my credit Score The BANKS / CREDITORS and CREDIT BUREAUS they put me on hold and transfer me around i SPEND OVER  15 H RS A WEEK every Week trying to resolve this
Product: Mortgage

I received a loan from Veterans United to buy a condo. I held the condo for about two years and sold it. Veterans United serviced the loan for the duration of the mortgage. 

After the closing of the sale of condo and the payoff of the mortgage, there was money left in my account with Veterans United. XXXX  sent me two checks, one for {$1200.00} and one for {$21.00}. I misplaced the checks. When I found the checks and attempted to deposit them, they bounced. 

I called Veterans United three times between XXXX and XXXX of XXXX to request they reissue the checks. On the first two phone calls, the representatives said they had the checks reissued, but no checks ever came. On the third call, the representative said she could not help me. 

I sent several emails. Through email, the representative 's responses referenced other properties I had purchased through Veterans United. The representative would not respond concerning the property in question. 

I had purchased four properties with Veterans United and refinanced and sold several times. I think XXXX is unable to focus on the property in question, especially since two of the properties have similar addresses. I am also concerned that XXXX may not be able to distinguish between the property address that I sold and my current mailing address since they are similar. 

Regardless of the reasons, Veterans United owes me nearly {$1300.00} and has avoided paying it.
Product: Debt collection

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! 



By law Delete all incorrect information and accounts listed in the document below from my consumer report immediately as it is hindering me and should not be reported on to my consumer report and violates several laws under the FCRA and FDCPA.
Product: Money transfer, virtual currency, or money service

The company is coinbase. 

I submitted a ticket that my account appeared to have been hacked. Upon submitting the ticket they froze my account. I followed the steps to unfreeze the account at which time they told me due to the nature of my complaint they were taking further steps to look into it. My account has been deactivated since XX/XX/21 and I have not received any updates from XXXX I would like to withdrawal my funds but I can not access them.
Product: Debt collection

XX/XX/XXXX, I receive letter from Gurstel Law Firm indicating I have a judgment from XXXX XXXX, XXXX. I've never heard of either company. Owing {$21000.00} + {$7000.00} in interest, as of XX/XX/XXXX. I called several times to be finally told that this was a collection from XXXX. No other information was provided, not when the account was opened or closed. Whether there were previous attempts to contact me or collect this debt, previous addresses, phone numbers for these attempts, nor when the law firm actually received this claim and what documents supported their action to contact me. The information they have is incorrect. They use a name ; I have never used in a public forum. The date of the debt is incorrect. The fact that I have done business with them is correct. The law firm says this is a co-debt, but I was not given this information. I filed bankruptcy over 20 years ago ( XXXX ) with my husband. This letter states since XXXX. These last 20 years after filing have been difficult to establish any credit or loans of any kind. I couldn't even get a bank account. I've been in a homeless shelter the last 4 years. I literally have a credit history of 2 years as of today. I only have a cell phone, a car, and I just got into an apartment in my name after not being qualified after ALL these years. This firm was rude and a little scary. To think I could lose everything again, just by getting my paycheck garnished or having to fight in court after just getting everything back on track. This is threatening and unethical for a business to actively deny me information I need to try to defend myself on a debt they insist on collecting that does not belong to me. Again, here are the companies : XXXX, Gurstel Law Firm and XXXX XXXX, XXXX
Product: Checking or savings account

I am one of the many victims of the Bank Of America debacle over charging {$35.00} dollars many times and forcing me to pay it all. I heard about them having to pay back customers like myself on NJ radio XXXX but haven't received anything as of yet.
Product: Credit card or prepaid card

On XX/XX/XXXX, I attempted to redeem XXXX rewards points from PayPay Synchrony Extra Mastercard. Due to unknown system glitch, my rewards balance reduced from XXXX to  XXXX points but I did not get the promised {$50.00} cash rewards. 
This has been a month that both PayPal and Synchrony Extra Mastercard putting me on a circle without any corrective action.

I am very disappointed with incompetent PayPal and Synchrony Bank. 
Thank you. 
XXXX XXXX ID : XXXX Card Acct # XXXX Phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Late Payments on Credit Report Without My Written Consent, violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports In accordance with the Fair Credit Reporting Act, XXXX Acct # 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 - States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B - States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I have not given EQUIFAX, XXXX nor XXXX the permission or instructions by written consent signed with my own hand to furnish these negative references of late payments entries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

my complaint is regarding few late payments that credit bureau agencies are reporting, on few of my credit cards, which i have never been late, i have mentioned that it ought to be a banking error or a mistake through creditors end, but absolutely not my mistake. please help me to proof this absolute inaccuracy to them. they need remove this inaccurate delinquencies from my credit reporting agencies, such as XXXX XXXX and transunion.
Product: Credit reporting or other personal consumer reports

I have called and emailed Experian numerous times regarding the inaccurate information they are reporting and they REFUSE REFUSE to update my credit report stating that the creditor did not provide them an update. I contacted XXXX XXXX and they stated that they have reported all updates to all three bureaus XXXX, XXXX and Experian on XX/XX/year>. I have emailed Experian with a copy of my latest XXXX  XXXX statement and they blatantly refuse to update the information. Their information still shows updates from XXXX and XXXX of 2024. They just refuse to update my credit report even after writing in and calling them directly. This is causing me an extreme amount of financial set backs and I am trying to apply for a home loan which has now been paused and as a result I have suffered financially and will probably lose the chance at this home. I have also reached out to a consumer attorney regarding this matter.