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

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau 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 is the account that are reporting on my Credit Reports : XXXX XXXX Balance : {$6500.00}
Product: Checking or savings account

I opened an account with money lion and set up direct deposit..I got my first direct deposit on the XXXX of XXXX. I tried to access my money and it didn't let me..it said my account was suspended or close. I called them and they told me that they could not tell my why it was close. They told me to send them a picture of my driver 's license and a picture of mail that has my address that matches my driver 's license I ended up sending those documents four times. I called and told I sent them the documents. They said they couldn't read it. I sent it again. Then they said I needed to send a selfie of me holding my driver 's license, I did that and I sent it. Then they said they couldn't read it. I ask them why did u close or suspended my account. The girl tells me for suspicious activity..I said to her the guy told me a week ago that he could not find out that information and now u are telling me that it's for suspicious activity. I didn't even use the card yet. I keep sending them documents and I still have not released my money ( XXXX dollars ). Now they said that the account was close but they received a direct deposit from my job. When I ask her how was that possible she said that the account was opened..so I called her a lair. I just want my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my information might have got into the wrong hands and I do not recognize this inquiry or account I dont have anything with XXXX XXXX or XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting information that I haven't given consent for them to report. They do not have the authority or permissible purpose to report any information on my consumer report. Without authority or consent to having my information is considered identity theft by these companies. They are committing fraud by reporting my XXXX account as debt and late when in fact there is no debt according to XXXX XXXX or late payments. I am providing this company to delete this information in 4 days as the information obtained was by way of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received numerous threatening calls from Account Receivable Solutions, XXXX XXXX XXXX and Allied collection Group demanding that I pay the debt owed, otherwise I would be sued or taken to jail. They also threatened to come to my home and place of employment. Arrangements were made to pay debt in full, and the following accounts were supposed to be removed from my consumer credit report : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} 2. XXXX XXXX XXXX {$340.00} XXXX. Allied Collection Group-XXXX XXXX {$450.00} I am requesting full DELETION of these accounts from my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  balance of {$1100.00} i have wrote and paid them still reprting on my credit also flagship credit acceptan charge off my account and i paid but they saying i owe XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It comes to my attention that your company has placed erroneous information on my credit file. I am lost for words on why your company would attempt to do something like this. It appears to me that your professionalism is by far professional in anyway. I have been in contact with your company for at least a year. I have never called to dispute any information on the phone. I have sent certified internal dispute letters and affidavits consistently. Never received nothing more than silence and the lack of reply during this time shows me the only way to attack this situation where I am accused of owing these debts that your company placed on my file as errors is to contact the FTC which I have filed a complaint, file a suit and a hearing is dated in XX/XX/2018. I have spoken to my lawyer and the best thing for me to do was allow him to continue dealing with your company until the hearing and court date. I have tried to find many ways to contact you by mail and online but I didnt receive any reply and its been a month. I am fed up and filed with anger. 
I have attached the errors on inquiries and accounts. Please take a look at the attachments. If you decide to contact me by email I will be forwarding all information to my lawyer from this point on.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX  Employer - XXXX  XXXX  XXXX  Listed below are the Collections that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Checking or savings account

I am waiting for my account to be credited the bonus I am supposed to receive for meeting new account requirements. I called to check on it and after holding for ten min and being transferred I was hung up on.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an error on my credit report. My name is XXXX XXXX, but my credit report incorrectly lists my name as XXXX XXXX. 

This incorrect information is not only inaccurate but also potentially damaging to my credit profile. I kindly request that you correct this mistake by updating all records to reflect my proper legal name, XXXX XXXX. 

Please investigate this matter promptly and confirm the correction of my name in writing once the update has been made. If you require further information or documentation, feel free to contact me at XXXX or XXXX Thank you for your immediate attention to this matter. 


XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 between the hours of XXXX pm - XXXX pm, the left rear window was smashed out of my XXXX and my purse was stolen. Immediately the people who stole my purse used my Capital One XXXX to make XXXX purchases at the XXXX on XXXX XXXX in XXXX, Ca. The first purchase was {$200.00} and within seconds the second purchase was for {$220.00}. I filed A police report with XXXX Police Department which is running an open investigation. The police report number is XXXX and It has been assigned to XXXX XXXX, who can be reached at ( XXXX ) XXXX or XXXX. i reported the fraudulent charges to Capital one and they denied that either of the charges was fraud. I tried Calling them to dispute their finding and they transferred me 4 times and then didnt help me.
Product: Consumer Loan

My husband and I got XXXX car leases from American Honda finance corporation they did a trade-in for my XXXX XXXX XXXX and they gave us XXXX XXXX XXXX XXXX then a couple of months later they turned it into an auto loan what they did is they had me co-sign for my husbands & my husband cosign for mine. They knew what they were doing because they manipulated the paperwork. I went to the Honda dealership in XXXX CA. I just got a letter from a lawyer 's office stating that they were having some type of lawsuit due to the fact they would hive higher APR 's for minorities XXXX XXXX ( my race ) XXXX and XXXX than XXXX people. The cars were later repoed voluntarily. I want this removed from my credit report because if they crooks & gave people higher APR 's I should n't be responsible for what they did, & to put me & others in a financial bind I am looking into talking into a lawyer or I would love for you guys to take this case. Please get original paperwork. Also they denied me to get my belongings out of XXXX of the cars because it was repoed. They told me I must pay before I can retrieve any items.
Product: Mortgage

Approximately XX/XX/2022, I contacted RocketMortgage regarding different options about a loan. I have had a loan for two years on my primary home at XXXX XXXX XXXX XXXX XXXX, GA XXXX. There is no issue with this loan. 

The contact was because I have a business opportunity that may require some cash. While my initial inquiry was through an online chat, I soon got a call from a representative. I believe his name is XXXX XXXX. I stated that the call was informational only and I wanted to learn about possible amounts for three different options -- a straight refinance ; a second mortgage ; and a HELOC. 

XXXX XXXX put me on hold and came back a few minutes later. He provided an estimate on how much cash I could pull out of my property if I refinanced and he provided an estimate on a second mortgage. He also said that Rocket Mortgage did not offer a HELOC. I had the information I needed and ended the conversation. Before the conversation ended, XXXX XXXX asked if he could call back every couple of weeks until I made a decision. And I agreed that would be fine. 

On Monday, XX/XX/XXXX, I received an electronic communication from Rocket Mortgage saying my payoff letter for my existing mortgage was ready. That's disturbing because I never requested one. I went to my online account with Rocket Mortgage and found a new loan in my documents -- number XXXX -- and it was categorized as " refinance '' under the label " Loans We're Working to Close. '' While online, I went to the chat function and eventually, though painfully, worked through the automated system and reached a human being. I explained to that agent the issue and he apologized, then gave me someone else to contact. I said this was their problem and they need to fix it. He said he would escalate my complaint to the executive team. 

Today, XX/XX/2022, I received a call. I didn't write down the name of the person but his direct phone line is XXXX XXXX XXXX ( I believe but am not confident that the last name XXXX XXXX XXXX XXXX ). He was calm but defended the existing of a loan document that was never requested as " that's just how we do it when we get an inquiry. '' In the original call, I gave permission for the person to run a soft credit check -- and that is the only permission I gave. I did not request a payoff letter. I did not request a refinance that " We're Working to Close ''. 

The creation of the second loan application is fraudulent.
Product: Money transfer, virtual currency, or money service

Received letter from Capital One dated XX/XX/XXXX stating they were not servicing IRAs any longer. I had XXXX Bank complete and submit paperwork to transfer IRA. On XX/XX/XXXX my account was closed and cashiers check was sent to XXXX Bank in REGULAR mail. Check was never received. I had to fill out affidavit, have it notarized and faxed back to Capital One after waiting Capital Ones required time to see if check would arrive. Fax was sent back XX/XX/XXXX with cover letter to reissue and send reissued check by XXXX to track to make sure check was received. Manager at Capital One said due to human error wasnt sent XXXX and was reissued XX/XX/XXXX and sent once again in REGULAR mail. As of XX/XX/XXXX check has not been received by XXXX. In the meantime no interest is being paid on this amount and no check has been received. I was asked to wait until XX/XX/XXXX to see if check arrives and there was no definitive answer to what action would be done then if check is not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I spoke with Chase XXXX XXXX XXXX regarding inaccurate information being reported to XXXX Credit Bureau XXXX I am writing to dispute the following information in my file : Credit Limit Increase {$160000.00} Previous report Credit Limit was XXXX. The questionable item is reported as XXXX XXXX XXXX {$160000.00}, previously report credit limit is XXXX. I was asked by the representative if I had applied for a HELOC. I informed the representative that I have not applied for a HELOC. She stated she would look into this. The return call I missed but I did call back to the mortgage company and was informed that my mortgage is being reported accurately. The initial dispute was not the reporting of my mortgage but the reporting of a HELOC. The representative assured me that she would look into this again. 
I received a letter dated XXXX XXXX that state '' Our record show that we are reporting a high credit/original amount {$160000.00}. My complaint has not been resolved. 

As I understand Credit limit is the amount of total credit available to you. Creditors usually change your limit based on how punctual you are with your payments and total balances. I was not made aware of any new credit limit increase. 
This false report has had a negative impact on my ability to obtain a good interest rate for the car that I purchased. It has cost me a higher interest rate on my car purchase and loss of points on my credit score. 

My XXXX credit report on XX/XX/2022 and XX/XX/2022 item I have identified are inaccurate for the reason that I never apply for any HELOC, I have supporting facts/evidence to prove this. 
I am requesting that these items be deleted in order adequately reflect my true credit history. 
It has been frustrating to have a large company just refuse to fix the problem in a such a high-handed way.
Product: Credit reporting or other personal consumer reports

In accurate information and reporting, on my credit report, causing adverse actions and credit denials for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX  # XXXX, # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX  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.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/year> there was a charge of {$110.00} charged to my Barclaycard Credit Card. The charge was placed on a card that Barclaycard had already told me that they cancelled in early XX/XX/year>. Barclaycard added an unknown and unauthorized user to my account. They did not notify me that they did this, even my contact email address was changed inside of my account when I went to access my account in early XXXX. I have gone over this again and again with Barclaycard representatives and they are now ignoring my request for proof, I have asked for the voice records from early XXXX where the representative told me that they were cancelling the card in question and issuing me a new card. This was due to suspicious activity on my card and a month prior to the fraudulent charge at a XXXX in Kansas by a XXXX XXXX, an unknown person to me, an unauthorized person. My data was leaked in a data breach earlier this year by a health care company and apparently my sensitive information is now on the dark web as this is the only place that someone could have gained access to it. 

I have also requested any voice records where someone may have impersonated me, and or the computer IP address from where such information was entered to gain access to my credit card. Barclaycard never contacted me to ask for permission to add someone to my card, they never contacted me that they had added a complete stranger to my credit card account. I have made numerous calls to address this and they keep ignoring the fact that they cancelled the card in early XXXX and issued me a new card and added a complete stranger to my account without ever notifying me. This is complete negligence in security and has caused me hours of my time trying to reason with incompetent employees from Barclaycard. They have sent me notices that they will have a manager call me within 48 hours and no manager has called. They sometimes tell me that they have called, but not one caller Id number on my phone says Barclaycard, and they have never left a message to notify me that they called, so that I can call them back. 

I pay my card in full each month, I have disputed the charge and told them that I am not paying for this fraudulent charge nor any of the interest they are now accruing on my account due to this fraudulent charge. This has affected my credit score and has caused me an enormous amount of time, yet they are not providing any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I opened a XXXX XXXX credit card with XXXX XXXX  in XXXX XXXX XXXX, with my wife as the primary cardholder and me as an authorized user. The reason for doing this was because I was a new immigrant and as such I was unable to open my own credit. This was the only way for me to start building my credit at the time, and we chose XXXX because they told us they report authorized users. Now almost a year later we are in the home buying process and I found out from my mortgage lender that the XXXX account is not reported, and as a result I have almost no credit history which has made it harder to get approved and I will have a more costly loan. 

This issue has already been escalated to management at both credit bureaus affected, as well as XXXXXXXX XXXX, and the bureaus confirm that they did not initiate any action against the account. They explained that they would have their own record of doing so if they had, and they do not, which means that XXXX must have deleted the account through their own system. XXXX refuses to acknowledge this, though. XXXX claims that it was the bureaus that asked them to remove the account. However, when pressed for information, XXXX was unable to produce any actual documentation of this happening. According to the bureaus, if it were true that they had made this request to XXXX, then XXXX would have in their possession an actual document from the bureau. XXXX has admitted that they have no such document, and in fact they haven't even been able to tell us which bureau supposedly sent it. 

In addition to this credit reporting issue, XXXX has caused several issues with our account from the day it was open, making changes to our account without authorization, shutting off our access without warning many times, and using different misspellings of our names. 

One clue I have as to the cause of the error is that XXXX has described the removal of my account as " removing my name from the account ''. One of our issues with XXXX was that they entered incorrect spellings of my last name on the account multiple times, and I have asked them to correct this. It is possible that this was incorrectly noted by an employee as a request to " remove my name from the account ''. However, I was always clear in my communication that this was only an incorrect name spelling. Neither I or my wife ever requested to remove anyone from the account. 

So, with a history of XXXX mishandling our accounts, both of 2 credit bureaus confirming that they were not the ones to remove the account, and XXXX not having the necessary documents to show, all the evidence points to the fact that the credit reporting issue is a XXXX error. Still, after spending hours talking to XXXX customer service and management in-branch and on the phone, they so far only deny the issue and refuse to take any accountability.
Product: Credit reporting or other personal consumer reports

I tried calling them they were willing to make the changes but only if I reported with Equifax and when they still didnt change it. Either Equifax is not updated their information or someone is lying to me. In the picture I attached is proof that me being late in XXXX made no sense. Please remove or correct it.
Product: Debt collection

I had couple collection companies calling me about the debt to the original creditor Advance America for the amount of {$550.00} and then last person that call me said that I owe around {$900.00}. 
I personally call Advanced America and they told me that I had pay that debt, also I have a letter confirming that I make that payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been closely monitoring my credit report and credit score for months, watching it go up. But when I was at a lender 's premises, Experian told them that my credit score was 44 points lower than what they had been telling ME for months! This ended up costing me hundreds of dollars - extremely unfair and infuriating. Apparently I'm not the only one that has had this happened to them. I went online and found many reports of the same thing happening to other consumers. Please help stop it.
Product: Debt collection

A complex I used to live in 2 years ago put my account in collections. I never received a notice that I had an account in collections. I found out through my experian app. The complex contract clearly stated that if I made two written requests and they did not resolve my issue, I could terminate my contract effectively immediately, which I did. When I called the collections agency I attached emails as well as a picture of the contract and they never got back to me. The collections agency says I needed to put the complex on notice 30 days before I left but according to the contract, since they didnt resolve my issue in a timely manner after several attempts, I could terminate immediately.
Product: Credit reporting or other personal consumer reports

Requested signed contract from 3rd party. Unable to obtain copies of contract.