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

XXXX XXXX reported my student loan 30 days past due. I am currently enrolled in school and my loan should be in either deferment or forbearance. Payments have been made on this account for month after month and they were not willing to budge on a goodwill removal. I called in once and the first representative told me they could carry out the removal from my credit report and after not hearing anything, I called in again the next day and was told the exact opposite information. I have never seen a student loan that reported at 30 days past due. 60 days is the standard. This practice is a very poor one and crippling to students trying to get an education. No flexibility whatsoever.
Product: Credit card

I settled with AMEX in XX/XX/XXXX. I have proof of this settlement and payment receipt from AMEX. AMEX had me served in XX/XX/XXXX for an amount they say I still owe them. I have been in constant contact with the attorney AMEX hired to serve me, with no resolution as of today, XX/XX/XXXX. All I'm told is they are waiting to hear back from their client, AMEX. I have no idea what the issue is at this point. I have provided proof to the attorney and AMEX. It is still showing as a delinquent/derogatory account on my credit report and I want this corrected ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed Certified to XXXX/equifaxXXXX and I asked for a verify/and or validate this alleged debt owed to XXXX. XXXX also requested the contract and signature that I provided to XXXX. XXXX ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4. Also they are violating the consumer law by adding interest to this alleged debt This alleged debt is affecting my life and causing hardship, I am unable to move and on the verge of homelessness. 

Consumer rights that are being violated 15 USC 1681 b 15USC 1681 4 fair debt collection practices act, section 809 ( b ) : validating debts b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$370.00}.
Product: Debt collection

I am applying for a home loan and was asked to pay off a debt from Midland Credit Management. I reached a settlement with them and paid {$620.00} and they agreed to report it on my credit file as paid in full less the full balance. On my credit report, MCM erroneously reported on my report in the comments section that I missed a payment of XXXX. Because of this false statement, I can not get a home loan because it shows I was late on a payment.
Product: Credit card

The company stated that I could request a copy of the picture ID they were provided on a credit card identity theft claim to verify it was me ( they have no idea what I look like ) and accepted an alternate address from the identity theftt thief were I have never visited or lived. Comenity Bank Subpeona information, XXXX XXXX XXXX, XXXX, XXXX XXXX Alternate address Comenity provided was : XXXX XXXX XXXX. XXXXXXXX XXXX XXXX I have never visited the state of Ohio nor have I lived there. California resident for 52 years.
Product: Credit reporting or other personal consumer reports

REPORTING ACCOUNT THAT DOES NOT BELONG TO ME ON CREDIT REPORT. THE XXXX XXXX  ACCOUNT AND BALANCE DO NOT BELONG TO ME. FRAUD/IDENTITY THEFT. IDENTITY THEFT POLICE REPORT AND LETTERS ATTACHED TO REMOVE ACCOUNT.
Product: Credit reporting 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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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. 



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

This morning XX/XX/XXXX I received a notification from XXXX XXXX that a new hard inquiry was placed on my credit report by FIRSTBANK. I have not been in a firstbank branch in over 2 months and have not had contact with anyone from the company since. I called the customer service line and they stated " I opted into the cash reserve via online banking, which requires an e-signature and authorization '' I have photographic, audio, and video evidence showcasing that I never accepted these terms and was never notified, which clearly showcases internal fraud. After explaining this to the customer service manager ( XXXX employee id XXXX ) he stated that there was nothing they could do, and that the branch that was commuting the fraud was the only point of contact I could reach out to to resolve this issue. A clear violation of the FDIC Regulations. 

On top of this, we are in the middle of closing on a house, and if this credit inquiry causes us to lose the home, we could end up homeless as we do not have secured housing that will run after the closing date. 

Documentation and explanations : XXXX - Image showing all communication from the branch with no communication for new line of credit XXXX - Alert is not associated with the issue at hand. 
Screenshot XXXX at XXXX - Reported to XXXX XXXX XX/XX/XXXX as " Loan ''
Product: Credit card or prepaid card

Why wont chase approve me for a credit card each time I apply and a deposit account its Not Fair
Product: Checking or savings account

I was charged multiple time for the oops program and well as returned check fees
Product: Debt collection

Phone number XXXX employee XXXX XXXX left 2 messages after it was explained to her that we do not have a current loan with Ally Financial. 

I called Ally Financial and asked them to stop calling. The representative stated they are looking for XXXX or XXXX ( not a member of our family ). I asked how they obtained our number and was told that they just called numbers with similar names and states looking for potential family members. 

My first thought was someone had a loan in our name or used us as a reference. I was told that we do not have a current loan and our number is not associated with the account they are trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please, that collection is a mistake. I stopped going to the gym a long time ago but the membership was active but I made my payments often, I can't pay that, because I wasn't using the membership. Now that collection is hurting me, you are violating my rights, they always call me at all hours to pay that debt but I can't pay for something I wasn't using the law 15 U.S.C 1681 602 A states l have the right to private
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, i am sending this dispute in regards to a recent dispute i received in the mail. I received a letter stating that the my dispute was " verified ''. There is no possible way the information i disputed was factually verified. The reason i am stating this is because i am unaware of the accounts and inquiries that i listed on my dispute. Secondly i am a victim of identity theft. Third of all my personal information was leaked in a recent breach, and several other breaches in the past where i've mentioned it in the past but to no avail you considered to reject my request for a fair internal dispute and i was affected by them. I am in distress i have lost my job do to the fact of identity theft along with inaccuracies listed on my credit file. It has affected me and my family tremendously and i honestly that my credit file is being mistreated and i am being violated of my rights as a consumer. I am now leaning towards taking legal actions against your company. You have violated several laws within the FCRA, FACTA, MIB, and more. I will list the violations to assure you that i am well educated on how a credit bureau mistreats a consumers file. I will be sure to sue you for every mistake that is listed on my credit file and seek damages in a total of {$50000.00}. I have copies of every dispute that was sent and ignored, along with the famous generated verified letters that credit bureaus use to keep inaccurate information on to consumers file so that you can bank on it. I've been harassed and treated unfairly by customer service reps and supervisors at your company and i have the names listed and written down prepared when its time for litigation. I also feel that i was treated unfairly due to my race, i was asked several questions that left me uncomfortable and emotional. I am really XXXX at this point and awaited to hear from you. I have file a complaint with the FTC, attorney general office, and the XXXX XXXX Civil Court awaiting the trial date. I will be sure to have my lawyer send a copy over to your company to ensure this matter is handled by a judge. I am suing for violation of mistreating my credit report, i didn't authorize anyone from the credit bureau to view my file, several violations in the FCRA was broken. There was no proper procedure taken to actually go through the dispute process and i honestly feel that my dispute was placed through a computer and not a human being, a generated verified letter isn't a human being looking over a credit dispute. I want a human being looking at my file and i want to see handwritten signature on my updated credit report. The fraudulent accounts are listed for dispute are 1. XXXX XXXX 2. XXXX XXXX # XXXX 3. XXXX Acct # XXXX. 4. XXXX XXXX 5. XXXX  XXXX open XXXX XXXX, XXXX paid 6. XXXX XXXX {$14000.00} Paid in Full. Fraudulent Inquiries : 1. XXXX XXXX XXXX. XXXX, XXXX 2. XXXX XXXX XXXX XXXX XXXX, XXXX My FTC Report Number is FTC Report : XXXX. I have sent over a copy of the lawsuit certified mail you should receving the letter within a few days.
Product: Credit reporting or other personal consumer reports

An item that has resulted from fraud which I never benefitted from still appears on my report. This is incredibly insulting and a defamation of my character, it's stressing me out knowing that my rights are being violated as a consumer. This is already reported to the Federal Trade Commission but nothing is removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a collection in the amount of {$990.00} on the XXXX XXXX XXXX, - partial account number ****XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I never opened up an account with XXXX  and never gave permission for an account to be opened in my name. Furthermore, the company is inactive. Please see page attached. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

OneMain Financial has reported me late to credit bureaus during a complaint that is not resolved and One Main Financial has requested additional time to resolve. In XXXX, I was told I would be approved for a modification of my loan terms. This issue remains unsolved after my dispute.
Product: Debt collection

Upon noticing that I had some unpaid tickets on my credit report I went had and contacted the collection agency to see how I can pay and get these reports removed from my credit report, I was told that I would need to pay {$190.00} to Professional Account MGM agency and they would take care of it, on XXXX/XXXX/16 my bank issued this agency the {$190.00} for ticket number XXXX - {$54.00}, ticket number XXXX - {$54.00} and ticket number XXXX - {$83.00} all together came up to {$190.00}. On XXXX/XXXX/16 this agency attempted to collect again {$54.00} for the same ticket number XXXX and {$10.00} for the same ticket number XXXX all together {$64.00}. When I contacted them to tell them I noticed they are trying to charge me twice for the same tickets they said if I can send them proof that I did sent the {$190.00} ( even though they knew well that they cashed the check ) they would rectify. I did send them proof from both my bank and I. Today, XXXX/XXXX/16 I received a response and now they are changing and claiming once again that I owe {$67.00} for the SAME TICKET NUMBER XXXX that I have already paid. Please help me as these people are trying to rip me off clearly!
Product: Debt collection

i 'm force to pay money I do n't owe, I have money taken out of my check. I care for husband with XXXX this service has refused my notices, letters ect.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax and notified them to dispute INCORRECT late payment ENTRIES on my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I had asked them to investigate the following information and correct the inaccuracies at their earliest convenience as these account has never been late.

Details of Disputed Accounts Entry : 1. XXXX XXXXXXXX XXXX Account Number : XXXX Date reported late : XX/XX/year> 2. XXXX XXXX XXXX Account # XXXX Date reported late : XX/XX/year> I have reviewed my records and confirmed that the payments on both accounts was made on time. I appreciate your PROMPT attention to this matter and look forward to your response within the 30-day period required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with this company to let them know that this card is not mine and they need to delte it from my credit report. I've sent multiple ftc reports and sent them in police reports to remove this account from my report. It is not mine and needs to be removed from all three credit bureaus
Product: Credit reporting or other personal consumer reports

Experian Has failed to properly Investigate inaccurate information being reported on my credit report, despite my efforts to resolve this directly with the reporting agency.it remain unresolved.I request immediate investigation and removal of inaccurate information being reported.
Product: Credit card or prepaid card

In XX/XX/2018 I opened a credit card account with Regions Bank in response to a special offer. My first statement was due XX/XX/2018, I made a payment on XX/XX/XXXX of {$1100.00} which was total balance due. At that time I spent an unusual amount of time attempting to set up an Auto-Pay on the account. The site is balky and non- intuitive. I called the bank to make sure the account was set up for Auto Pay. That call took over 45 minutes of wait time to talk to a representative. I was told that the account was set to pay full balance on the due date from my account at XXXX XXXX.

The second payment of {$70.00} was made on XX/XX/XXXX and another {$3.00} was paid on XX/XX/XXXX. Then the Auto Pay stopped working. I travel extensively in the summer and fall months, often with no phone or internet service available, which is why all my accounts are set to Auto Pay.

On XX/XX/XXXX I discovered Regions had reported me delinquent having missed two payments for a total of {$11.00}. My credit score was decreased 129 points in one day. I called Regions and opened a dispute and paid the due balance. That reference number is XXXX.
Product: Credit reporting or other personal consumer reports

I would like to request that the original contract that I signed to create each debt on my credit report and then the original balance from the original company that I signed the contract with and then also the contract that says that the original creditor has sold the debt to the creditors that are now claiming the debt and I would like them to furnish them within the next 30 days amd if they can not furnish these documents then I request that all the items that have not been validated be removed immediately thank you and have a great day. Also the debts I am talking about are from XXXX XXXX and XX/XX/XXXXXXXX mainly but every debt that is claimed against me must be first validated by the company and furnish the documents within 30 days
Product: Credit card or prepaid card

Hello. In continuation of your response to my complaint about Wells Fargo through CFPB. 
You, instead of giving me an actual answer and resolving the issue, you are doing a training course. I do not need your guidance. 
You advertised in my account that I was pre-approved for a card, so I filled out the request and submitted it, and you told me that you would let me know through mail about your response. 
Approximately a week after that I received a letter from you regarding the application, saying that my credit was frozen with XXXX and that I needed to unfreeze my credit and call you to let you know. In order to remind you, on XX/XX/2022, I called you and told you that I unfroze my credit so you could check it. You indeed checked it, and after you had checked, and to my question, you gave me a response to freezing my credit. On that same day, XXXX points were taken from my credit. I do not need your training course and do not tell me stories or excuses. 
On XX/XX/XXXX, I told you that I was not interested and was not going to unfreeze my credit for a second time because I did not my credit score to go down again and hurt my credit because this is very important to me ( you don't check 15 times, you only check credit once, you do not have the right to request from the client to open his credit in the first place for a card that he was pre-approved for, for a second time and endlessly after that ). On your mistake that you did not check my credit as you were supposed to, I do not want reconciliation, I just want my credit score back, because I do not want your card at all, and I already told you this on XX/XX/2022, that I was no longer interested in the card. 
Thus, I demand, in a clear-cut manner, that you cancel what you did on my XXXX account so that my credit score goes back to how it was prior. 
And don't keep telling me stories and legends, only relevant answers. 

Attached is a screenshot of my XXXX account, showing my credit score went down by 16 points on XX/XX/2022. 

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

This is a complaint about Experian blocking access by consumers. I spent 45 minutes on XX/XX/XXXX calling 6 different # 's to ask for a temporary lift of my credit freeze. At no time was I able to reach a person-only frustrating telephone trees which did not help me. Even the person who was trying to check my credit could not reach a person ; the number I obtained to lift the freeze could not be used by the lender, so it required phone contact by me to Experian to lift the freeze Finally on XX/XX/XXXX, in desperation, I selected the " fraud '' tree, even though this was not my issue & got through to someone who was very apologetic & promised to relay my complaint to management after helping me. I have a feeling they get this complaint a lot. 
I believe they are intentionally blocking consumer access. Although this is probably the least serious problem you hear about, it's still treating consumers like trash. 
I'm hoping you can do something about this. 
Thanks for being there. I hope the agency can survive the Republican attempts to destroy.