23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have had a Total Visa Credit card for more than 10 years. Late in XXXX, my family lost everything in a natural disaster, including both my Total Visa credit card and the debit card that was established as the source for autopayments to pay the balance on the credit card. We tried to search through the remains of our belongings. I held out hope for some time that I would find these and my other credit cards. In early XXXX, I gave up hope that the debit card would be recovered, so I reported it lost and received a replacement card. I had mistakenly thought that my autopayment was established with my bank account ( which wasn't affected by the card being reported lost ) and not the debit card, so my XX/XX/XXXX payment failed. I didn't receive notice of this failed payment. I wasn't made aware that there was any issue until Saturday, XX/XX/XXXX when the account was more than 30 days past due. I paid the past due amount and late fee within 10 minutes of the first notification that I received from Total Visa. I asked for the report of the delinquent account to be removed from my credit report because I didn't receive notice, but it was denied within days. I feel there was insufficient effort in investigating the breakdown in communication that led to me receiving no notice of this failed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit bureaus are reporting this information incorrectly and frequently. This account was paid in full XXXX of 2020 with no late payments and I sold this vehicle to XXXX XXXX dealership in good standing. I will be attaching support evidence of my claim and Im asking that any derogatory marks and negative marks be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

They mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a month later, TransUnion STILL has not mailed to me my requested FREE annual credit report. Thank you.
Product: Credit reporting or other personal consumer reports

I am reaching out to follow up on the dispute I previously submitted regarding the negative accounts appearing on my credit report. Despite my efforts to address these discrepancies, I have yet to receive a satisfactory resolution to this matter.
Product: Checking or savings account

Deposited a third party check on XX/XX/XXXX. The check has already cleared. They have put a forever freeze on the funds because they could not verify phone number of the person the check was made out to. I had the person with me and she called XXXX to verify the phone number in question is assigned to her. After calling at least 8 times and going to every branch I could find. With the person who wrote the check and the original person it was made out to with their I.D They would not verify identification in person. Only through their system. Which was wrong. Only a {$250.00} check and appears they have closed the account. So they STOLE {$250.00} from me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX account was paid and they are refusing to update my credit report.
Product: Credit card or prepaid card

I never received the bill from Barclaycard, and they assessed an interest rate of 26 % ( which I believe is anyway illegal and usurious ) I called and they said they can not waive the {$1300.00} interest
Product: Money transfer, virtual currency, or money service

I recently got a new phone still have same number I log in to the app then it ask to verify number I cant receive sms I have contact company but only automated responses can you please help thank you phone number is XXXX XXXX XXXX email address XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX  Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 6802 Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S. Code 1681b Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

18 USC 1028A provides that aggravated identity theft occurs when a person commits a crime and also knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 


Here is the item I am asking you to verify as accurate : Experian : [ XXXX XXXX  ] XXXX Experian : XXXX XXXX XXXX
Product: Student loan

I have been deferring my student loan for 5 years now. For many different reasons, but most of them are due to several XXXX issues. Issues that I could not describe in less than XXXX characters. I have lost my job in XXXX twice, due to budget cuts. I have been XXXX challenged in ways that have required XXXX, XXXX, a trip to XXXX XXXX, I could go on forever. Since Navient took over XXXX XXXX, they have been harassing myself and my family via email, usps, and phone calls. Four or five times a day. I have records of all paper and email. The email correspondence just requires a " yes '' reply to defer, but the phone calls keep coming, especially to my mother, who is in no way connected to my loans other than she signed for a private loans for books with XXXX XXXX, and that was paid off years ago. Again, I have proof. I feel that I am a number. That my medical condition in which has not allowed me to work is not considered. The interest keeps piling up, and the harassment to my poor mother who just had XXXX continues as they call her phone, three times a day, at least. Medical information can be provided upon request. Basically, I can supply any information needed. I do not feel I have been treated fairly, nor do I condone their harassment. Any and all feedback is appreciated.
Product: Debt collection

I have had a reoccurring problem with a debt that my son incurred in XXXX when he was XXXX years old and living on his own. Paramount Recovery Systems has put this on all three of my credit reports and I have disputed it and had it removed on more than two occasions. They can not tell me any other information than the debt was for a company called XXXX XXXX XXXX XXXX and can not give me any other information. I know that it belongs to my son because he was hospitalized in XXXX and received XXXX XXXX. I have disputed this time and time again but they keep bringing it back. This time it has caused severe circumstances to my financial well being. I need this to stop because it is not me and I will not pay a debt that I did not incur.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with XXXX  incorrectly reporting to the 3 credit bureaus that I have missed up to 9 payments. Then when I call and speak with them, ( 57 times in the last 8 months ) they tell me they have not reported anything. I have paperwork from XXXX proving that I have not missed ANY payments, yet they are reporting that I've missed up to XXXX payments. This has caused me to receive multiple rejection letters that explicitly list the XXXX  missed payments as the reason for denial of credit. The last time I spoke with XXXX  they told me after all this time that I'm supposed to mail them a special form, that I can only get from them, in order for them to do what is REQUIRED BY FEDERAL LAW. I am still waiting on that " special form '' to be e-mailed to me. Over a week now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was woken up at XXXX XXXX  by a call from XXXX XXXX from Rocket Mortgage company attempting to talk of a current mortgage i have from same company. I was trying to assertain if this was about my current mortgage I have with Rocket or a new refi proposal from the company. She asked me to verify by my date of birth that she had on record and I replied yes to my date of birth. Then she immediately pulled my credit report in which I never gave consent to. 

I then figured out that she was trying to sell me a refi on my exisiting loan that was brokered only two years ago a a low rate and then refused her offer at a higher rate. Never did I give her permission to pull my credit and see what she could do for me. 

I am in process of refing another property and did not want a credit pull on my report. I repeatedly called the company and told them to remove the unauthorized pull and got no results. Finially after 5 phone calls and much grief, I got to speak with someone who said they can check into it. Today XX/XX/2022 got a formal refusal. XXXX told me that because I answered yes to my correct date of birth in trying to assertain what she was trying to talk to me about, that I gave consent, which I never did. 

Since the XX/XX/XXXX, I have been completely harrassed by multiple sales people from this company in trying to refi at a higher rate and bundle in my personal creidt card balances. I told them many times I am not interested in this. This is harrassment. 

I have begged to have the credit pull reversed and they refuse. This is illlegal I believe for them to do this. I am very upset at their trickery practices and poor customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I financed my car originally through my bank, XXXX XXXXXXXX XXXX. I dont know why my car loan history has dropped off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a former complaint with XXXXExperian through this site. In response they stated that they were going to provide me the documentation and correspondence of all parties and conversation once the CFPB closed the complaint out. I have never received the documentations and it has been over 30 days. Here 's what I'm asking from XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2023 RE : Method of Verification To Whom this May concern : I'm requesting the Method of Verification for the dispute account ( s ) below : Account Name-Account # Bankruptcy XXXX  XXXXdischarged XXXX XXXX XXXX XXXX XXXXXXXX XXXX . ) Name of all creditors 2. ) Creditor 's address and telephone number 3. ) Documentation used to verify the disputes.

I'm requesting that you send me this information so that I know that the investigation was in fact conducted properly. If you are unable to respond in a timely manner and/or provide me with the request documentation, please delete the account ( s ) from mt credit report. 

Thanks you,
Product: Credit reporting or other personal consumer reports

I sending my dispute letters for many times, still not receiving any response from the bureaus. Please delete this account immediately I'm so stress please delete it now or else I will file a case regarding this issue. 

XXXX XXXXXXXX XXXX 
XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXXXXXX XXXX {$340.00}
Product: Credit reporting or other personal consumer reports

LVNV Funding has been placed an account on my credit report that I have no knowledge of. When asked to validate the debt they refused. I refuse to pay this debt and I do not owe it. I am not liable for the debt and LVNV Funding and I do not have a contract
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I was referred to XXXX XXXX XXXX in XXXX, Ca. XXXX XXXX to get a pre-approval for a prospective property in XXXX County. Due to my traveling and the loan broker being away from her office, I promised all other necessary documents to be sent on XXXX XXXX, 2017, instead. I emailed and faxed most of all documents to XXXX XXXX, in return email from XXXX XXXX, she asked if she could forward my bank 's statements to my realtor. With that email, I called XXXX XXXX, I do not wish to move forward, something was not right. Realtor only needs a mortgage pre-approval letter from the agent, not my bank information! The realtor who has not sent offer after 36 hours request to me, does not have a business to have personal financial sensitive information. After a phone conversation with XXXX XXXX, my husband and I decided not to move forward with loan and property. I advised XXXX Not to run my credit check, but she said she did anyway. On XXXX XXXX, 2017, I learned she ran a hard inquiry on mine and my husband credit checks, I asked her to help to remove them as a soft inquiry. I made a dispute to CBCInnovis ( XXXX XXXX XXXX used ) about the inquiry. The respond from the agency stating that XXXX XXXX indicated that XX/XX/17 XXXX XXXX. we gave her verbal consent due to I did not have access to email or fax machine. This is not correct so I contacted Escalation Department XXXX XXXX I spoke with the loan officer for your loan. She pulled the calls and stated that " she notified you that in order to do a preapproval she would need to run your credit. She said that you consented for your credit to run. They will not remove the credit inquiry since they had your consent to run the credit. '' I did not inform about the recording conversation with XXXX XXXX from XXXX, 2017, and I exchanged a handful of emails on XX/XX/XXXX, no authorization have been mention of running credit.
Product: Credit card

Chase continues to report to my credit report with all three major credit reporting agencies a credit card that began to go delinquent in XXXX 2008 ; this card is reporting with a negative payment status and is clearly past the 7 year reporting rule established by the Fair Credit Reporting Act ; I have disputed this account both with the credit reporting agencies and with Chase directly but Chase continues to report this account in error ; this reporting is damaging my credit and causing me harm.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized hard inquiries I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them from my report. This issue is causing undue stress and is negatively affecting my financial standing
Product: Debt collection

Account number:XXXX The State of Limitations on this alleged debt, even should it be mine, is 3 years in the state of North Carolina XXXX Since the debt is out of the statute of limitations, and they are reporting this on my credit report, they are conducting collection activities on zombie debt. 
I have disputed the information numerous times and the company nor the credit bureaus will not remove the information from my credit reports with the Bureaus although it is now a zombie debt.

Im sure theyare aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that their firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. 

The company 's neglect to remove this debt is hurtful to my credit profile and ability to live with financial freedom. I would like the account removed immediately from all credit bureaus. Not just closed. Deleted completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to talk with representative of company can not get beyond sign-in request. Using correct info to sign, system recognizes have account but doesnt allow me to change password to create new access to account and system does recognize old information. This prohibits me from accessing my account. Can not get anyone on phone because of COVID-19 to address complaint. Equifax dropped credit score when only three things changed on report. One account had closing balance {$5.00} more than previous statement. Another account I owed {$10.00} more than previous statement. Another account reported debt reduced {$37.00}. My total debt decreased {$17.00} and my credit score dropped 12 points. It seems every 3-4 months Equifax drops my score 12-19 points with just an increase in debt of less than {$25.00}. Then It takes 6 months to recover from this drop of 12-19 points even when other accounts are decreasing by hundreds of dollars thereby keeping credit score in the poor or fair category the entire year restricting ability to ever get a credit score of good. Want to file complaint against Equifax for restricting ones credit report scores whereby it is never possible to get a score higher than 650 -660.  Absolutely unfair!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX claims they havent reported me late its the credit bureau who made the mistake. Ive been in forbearance. How can I be late. I need this updated. I have many lates from this company. XXXX its like 10 and i never was late I attached a copy of my report and a letter from XXXX. Im going for a mortgage this isnt fair. Please help and update all these lates and remove them. ALL XXXX  ACCOUNTS ARE INCORRECT. 
B DEPT OF ED/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX {$1100.00} 120 {$0.00} {$0.00} 68 0 0 2 I1 XXXX/TU/XXXX Late Dates : XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$1000.00} 066 {$0.00} {$0.00} 46 0 0 3 I1 XXXX/TU/XXXX  Late Dates : XXXX, XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B DEPT OF ED/XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1100.00} XXXX {$1100.00} 120 {$0.00} {$0.00} 68 0 0 2 I1 XXXX/TU/XXXX Late Dates : XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED TO XXXX B B XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1700.00} XXXX {$1000.00} 066 {$0.00} {$0.00} 46 0 0 3 I1 XXXX/TU/XXXX  Late Dates : XXXX, XXXX, XXXX PAYMENT DEFERRED ; COLLATERAL : DEFERRED T
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries. I have requested that they be removed from the bureaus, but they were not removed. 
I am providing an identify theft report and I am requesting that they be removed because I did not authorize them.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered XXXX XXXX as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX, XXXX ETC.. ARE SHARING MIS INFO ABOUT ME AND PULLING INQUIRES. ALSO, REPORTING NEGATIVE INFO FROM OTHER BUREAUS.
Product: Debt collection

XXXX XXXX XXXX XXXX contacted me in early XX/XX/XXXX regarding a balance I owed of {$600.00}. I told them I would pay it. I made the payment through my HSA with XXXX XXXX, check # XXXX dated XX/XX/XXXX for {$600.00} was paid to XXXX XXXX XXXX XXXX. I have a copy of that check indicating they deposited it on XX/XX/XXXX. I received a collection notice from Capital Accounts dated XX/XX/XXXX indicating I owed {$600.00} to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. I mailed my response to Capital Accounts with a copy of the cancelled check. I then received notices that there was a new account on my XXXX and XXXX credit reports. Upon investigation I see the new account was the debt collector, Capital Accounts. I filed disputes with both XXXX and XXXX. I then received another bill from Capital Account dated XX/XX/XXXX stating I owed {$820.00} to XXXX XXXX XXXX XXXX. This amount is incorrect, as the original bill was {$600.00}, which was paid. I have not visited XXXX nor incurred any new charges to warrant the increased amount. I receive a response from XXXX dated XXXX/XXXX/XXXX stating verified as accurate even though I provided proof that I paid {$600.00} to XXXX  on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 90 days ago on XX/XX/2023. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 90 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.
Product: Debt collection

This company sent me an email on XX/XX/year> and it went to spam so I didn't even know they reached out until 2 weeks later when checking my spam folder. They threatened legal action against me if I did not pay a debt. They didn't send me any sort of verification whatsoever. Absolutely no proof that I owe anything. Basically said " Pay us this amount or we will sue ''.

I sent them a request for validation. My email software confirms that they read it. I will also be following up with certified mail and a return receipt. Although, they use a po box so there's no definite proof that they will actually read my request for validation. 

I repeat. This company has not validated anything with me that I owe anything. It is illegal!
Product: Debt collection

A guy named XXXX keeps contacting me at work and contacting others. He gives me a case number XXXX oh. He is rude and Hangs up. I told him if I owe it send me a letter. He claims he has. I have not received anything. He first told me he was with XXXX XXXX XXXX but after calls to XXXX XXXX XXXX and other places I find out he is with Alliant Capital Management. When I tell him to stop calling he says he wont.