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

My XXXX Credit Card I submitted the full balance in the due date and it is stating that I submitted my payment the following day whove resulted in them reporting to the credit bureau that I had a late payment. This is in correct I submitted the payment on the due date and it needs to be reported accordingly and that information needs to be reflected on my credit report. I paid the XXXX on XX/XX/20 and the full balance was submitted in the amount of XXXX on XX/XX/20. The information submitted to the credit agencies is incorrect and needs to be rectified.
Product: Mortgage

Chase Loan # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXAuthorization was faxed to Chase 3 times - XXXX XXXX, XXXX XXXX and XXXX XXXX. The representative we spoke to today said they ( Chase XXXX still has not sent the authorization to be validated. They can not give a time frame as to when this will be completed. This loan was supposed to have been reconveyed and it seems Chase does n't feel they have any obligation to provide a paper trail as to where the loan is.
Product: Mortgage

I was approved for a loan modification through M & T Bank last year. After making the XXXX XXXX trial payments, I have been sending the modified mortgage payment to M & T Bank as agreed. However, M & T Bank has reported my account as delinquent to credit bureaus showing I have not made any payment since XXXX 2014. At the moment, my credit report shows I have n't paid my mortgage for XXXX months. This is not true, since they have been cashing the money I send them every month. My credit score has dropped dramatically since M & T reported the wrong information.
Product: Debt collection

I wrote XXXX debt validation letters to Enhanced Recovery and they failed to respond to be. They ignored my requests for validation.
Product: Credit reporting or other personal consumer reports

I never requested to get my credit inquiry for inquiries mentioned below : A FEW OF THEM ARE 6 TIMES OR REPEATED AFTER 5-6 MONTHS. 

PLEASE REMOVE THIS - THIS WAS NEVER APPROVED OF ME TO GET INQUIRED. 

( 2 inquiries ) XXXX XXXXXXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, 2023
Product: Debt collection

I paid a ( disputed ) debt XX/XX/XXXX per the " settlement '' offered. The check, marked " paid in full '' was cashed XX/XX/XXXX and now, nearly 4 years later, Progressive Financial Services is attempting to collect additional monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/1991 XXXX XXXX, Transunion, XXXX To whom it may concern XXXX XXXX XXXX XXXX XXXX Is reporting on my credit report and it is not my card or in my name card holder name is XXXX XXXX XXXX which i am not. Please remove this account from my credit report. 

Thank you XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out a Payday Loan with Speedy Cash in XX/XX/XXXX. They sold my account to Ad Astra, a collection company in XXXX. 

Speedy Cash unlawfully went into my bank account on XX/XX/XXXX, to deduct the full balance of the loan. I had no prior communications from them pertaining to this loan. I was not notified at all by them to discuss a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madame, Firs time i reported my identity theft was long ago. Responsible for this is XXXX XXXX I was using android platform in iOS iPhones platform and when i called to complain and report the issue an employee completly ignored my complaint, while i was in the phone with him I contacted XXXX XXXX XXXX so i would have third party witness. My Capitol one card was stolen and used I allowed XXXX XXXX support to access my mac/iphone screen even they were shocked what they heard from XXXX XXXX employee say and what they saw in my screen what was going on. Basically an emplyee was asking directly to transfer all my data to him or someoneelse not sure. But I give XXXX a complete permition to provide you guys with all information you guys need, and since of course they record phone calls i gave the lady from apple permision to provide that too. She couldnt belive what was going on i was very lucky to have XXXX assist. I contacted XXXX  they sent me a free phone trying to hush-it and I saved everything. I wrote the corporate twice in the mailing address and never heard back. I have enough proves. I am begging someone for help I am immigrant in this country been persecuted and I work so hard to better my life and all on my own. You can even XXXX my name and read my story how I got here. XXXX XXXX they have crashed my credit report.never been through any thing like this. I am giving you gays completeperition to have all my devices and anythin you guys need to help me with this. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.
Product: Debt or credit management

I became XXXX  XXXX in XXXX. The XXXX account I had was supposed to have protection for this. I paid a monthly fee for this coverage. 
Midland Credit management contacted me on behalf of XXXX this year. I was too sick to argue about the Credit protection so just set up a payment plan with Midland for XXXX a month since I'm on XXXX XXXX and can't afford much. Midland Credit took {$880.00} out of my bank WITHOUT my permission. Our agreement was for XXXX a month. Luckily I caught the charge and called my bank, who then reversed the charged and blocked any further withdrawals from Midland. I had to cancel my debit card. I reported them to the credit reporting agency for stll showing a delinquent balance on my credit report, and the decision was in my favor. Yet they are still showing up on the other two agencies as delinquent. Since they tried to steal almost my entire XXXX check when our agreement was XXXX a monthI refuse to pay them a XXXX. It should have been covered in the first place but even when I tried to go ahead and pay in small amounts what I could, Midland tried to steal almost XXXX out of my bank. Please make them take themselves OFF all my credit reports and cancel this debt. This insanity has not only imcreased my health problems, but I also have severe XXXX XXXX XXXX XXXX and I have been a complete walking nervous breakdown. Please fix this for me before I jave to hire an attorney I can't afford Thank you, XXXX XXXX
Product: Debt collection

XX/XX/XXXX - Signed contract wXXXX XXXX XXXXXXXX with the amount we would owe each visit for Physical Therapy XXXX - started receiving bills from XXXX XXXX. XXXX XXXX said that the system was not up to date, and we didn't owe anything. 

XXXX - XXXX XXXX started calling for payment. 

XX/XX/XXXX- During visit, XXXX XXXX confirmed we did not owe anything and to ignore XXXX XX/XX/XXXX- I went to XXXX XXXX with my bills from XXXX for them to copy, and was assured that they would resolve the issue, and that I do not owe anything on the account. 

XXXX - started receiving calls from Gulf Coast Collection Bureau XX/XX/XXXX - Called XXXX XXXX about the collection 's calls, and was told they were in contact with XXXX as other patients were also having this issue, and that our balance was XXXX XXXX 

XX/XX/XXXX- More calls from XXXX, called XXXX XXXX and they said they still did not have a resolution with XXXX.
Product: Credit reporting

I have disputed XXXX XXXX XXXX with Equifax on numerous occasions and they continuously take whatever information is provided to them with now actual review of their own records for accuracy. I called Equifax directly after the last result on XXXX/XXXX/16 and spoke with their representative to find out why nothing had changed. The representative told me all they do is take the information submitted to them and report it. I asked them to review the status which states open even though the account clearly shows paid. She stated yes, however, that 's how it was reported to them by XXXX. I asked her if she could see where this was a collection agency not a creditor, yet it 's reported under my creditor accounts. She said yes, but that again, they can only report what XXXX gives them. I asked her if she could not see they are reporting several missed payments like a creditor though it 's a collection agency and got the same response. If they actually investigated the information and linked it back to the XXXX, they would see the original creditor lists last date of payment as XX/XX/XXXX, XXXX lists it as XX/XX/XXXX. She finally told me if I had issues with it to call XXXX, which I did. XXXX 's response was they report it correctly and if there 's a problem, it 's due to how the CA is reporting it and to send in my receipt of payment to the CA. Neither will take ownership of this problem, nor correct it.
Product: Checking or savings account

I have repeatedly been turned done for banking services by this specific company without any details. Initially I was led to believe it was an issue with a duplicate account, including in a response to previous CFPB complaint, however after that was resolved there is still an issue the bank refuses to communicate.
Product: Payday loan, title loan, personal loan, or advance loan

I was given a personal line of credit with CashNetUSA. I was short on funds and my car needed work so I took out {$300.00} to pay for it. I clicked on what I wanted to borrow and that was it. No other information was given. No payment schedule of what my payment would be no amount of payment was given and no date. XXXX info. The money loaded in my account and a few days later not even a full month I got notice to pay {$170.00}. I was like this can not be correct. I called and after being called a liar they would not help me, nothing could be done. The rate and payment amount should be given to the customer. They give nothing. I would be happy to show you exactly how this website works. Its such a scam. This company is praying on the unfortunate and they need to be stopped.
Product: Debt collection

Security Credit Services is prohibited from filing claims in Ohio against consumers, so they have conspired with an Ohio attorney firm, XXXX XXXX XXXX owned by XXXX XXXX, to carry out illegal lawsuits against me. They also filed claims without producing the required documentation to do so as mandated by the CFPB. They are violating Ohio law, the FDCPA, FCRA, and attempting to extort me. Please see attached documents.
Product: Checking or savings account

I opened an account at the XXXX, CO PNC after multiple visits to verify the promotional offer. The bank representative knew that I was opening the account to receive the {$400.00} bonus after {$5000.00} was direct deposited. The bank representative told me they would " keep an eye out '' for the $ 25 monthly service fee if the account did not have the required balance. Note the representative never used the phrase, " one time '' when he implied that the monthly service fee would be waived. I received multiple service fees. 

When I called PNC after the {$5000.00} deposit criteria had been met I was told that the account was not set up correctly at the depositing credit union to receive the bonus. 

I said that this should have been checked by PNC when the account was opened and when the direct deposits began. 

I asked them to dictate the explicit way the account needed to be set up so that it could be corrected and they refused to tell me. 

I asked them to correct the way the account was set up because there would be more deposits in the future, the bank XXXX said this was impossible and refused to investigate further.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I attempted to pull all 3 of my credit reports via my credit monitoring service through creditchecktotal.com ( Experian.com ). I was able to view my Experian credit report but was not able to view my XXXX and XXXX credit reports. I received a message stating the following : Sorry, we can't show you today 's 3-bureau report. This might mean that XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. I contacted XXXX the same day and verified my identity. They fixed the issue in their system and I was told that I needed to contact Experian if I could not view all 3 of my credit reports via experian.com. I called Experian XX/XX/2024 and spoke to 2 reps in the membership and XXXX department and the last rep stated the issue was fixed on Experian 's side and I should be able to view all 3 credit reports. I still wasn't able to view them. I called Experian XX/XX/2024 and spoke to 3 reps in member services, 3 reps in disputes and 1 rep in the fraud department. All 6 of the reps stated that I had been transferred to the wrong department and kept transferring from department to department. Each time I spoke to a rep I asked to speak with a supervisor, but when I asked to speak to supervisor I was transferred to another department without resolve. Today is XX/XX/2024 and I am still not able to see all 3 of my current credit reports. And I am seeing the same message : Sorry, we can't show you today 's 3-bureau report. This might mean that XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, partial acct. XXXX is appearing on XXXX  and EXPERIAN credit bureaus as an unpaid charge off.XXXX has previously deleted. 
The problem stems from the fact that the car is a lemon.XXXX and I were previously involved in litigation of this .Since I'M NOT PAYING FOR THE CAR, DON'T WANT IT, I WOULD ASSUME THAT XXXX WOULD REPO THE CAR ... I WOULD GLADLY VOLUNTARILY SURRENDER THE CAR IF IT WOULD RID THE XXXX DEBT, but I don't want the car and neither does XXXX XXXX but they want me to pay for the car or they destroy my credit.I believe that the original contract is in full force and effect and not changed or modified by any of our dealings.. ... and would call for XXXX to reclaim their security ... .and credit the value of the car ... and any balance left I would be responsible for. 
BUT IT APPEARS THAT XXXX THINKS THE CAR HAS NO VALUE BUT THEY WANT ME TO PAY FOR IT AS IF IT DID.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXXl presume that no proof of the alleged debt. no therefore, any such debt in fact, therefore exist ( please remove these accounts before I see litigation for defamation of character. ) XXXX XXXX balance {$530.00}, please remove these fraudulent inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX 's customer service representative.
Product: Credit reporting or other personal consumer reports

I've recently reviewed my credit report and notice some unauthorized inquiries. Please see document attached. All inquires circled were unauthorized.
Product: Credit card

I received the enclosed letter from Marcus Goldman Sachs GM credit card, suggesting that I'm in a FEMA disaster area and I am having trouble paying my bills. I doubt that I'm in a FEMA disaster area because there has been no disaster in XXXX XXXX, and I have not used this card in a year. The company said they did not know about the letter. I'm enclosing a copy because I find the whole affair very suspicious. 

Letter is dated XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX XXXX Hard Inquiries XXXX I did not authorize this inquiry XXXX XXXX  Hard Inquiries XXXX I did not authorize this inquiry XXXXXXXX XXXX XXXXXXXX ( Bank ) Hard Inquiries XXXX I did not authorize this inquiry XXXX XXXX XXXXXXXX ( Bank ) Hard Inquiries XXXX I did not authorize this inquiry I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and XXXX. 
Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and XXXX failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine. 
Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and XXXX have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes.

Under the FCRA, I am requesting : Immediate investigation into the disputed items listed above.

Removal or correction of the inaccurate information.

An updated copy of my credit report reflecting these corrections.

I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items.

Documentation supporting my claim of inaccuracy.

Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today XX/XX/XXXX - I reviewed my credit report and noticed an open collection account that I just realize was never mine. The amount owed is {$370.00} to XXXX XXXX XXXX XXXX XXXX XXXX. This account was opened in XX/XX/XXXX. The DATE is what caught my attention because I was in a 3rd Party Debt Settlement Program in which ALL of my creditors were notified and my debts successfully settled. 

Today I called XXXX XXXX XXXX  @ P : XXXX and spoke to XXXX XXXX. He attempted to find my account using my married name - XXXX, my maiden name- XXXX and the last four digits of my SSN ( XXXX ) - He was unable to find any record of an account for me. He advised that I call XXXX XXXX. 

I called XXXX XXXX  @ P : XXXX and spoke to XXXX. I provided him my social security number in which found an account. He asked me to verify my address, to which I provided my current address, and my last known addresses in XXXX Ca ( XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX CA and he said the address they have on the account did not match. He proceeded to tell me that he can not give me any information on this account. 

I have only had 2 accounts with XXXX XXXX  - one that is current with XXXX, and one that was a luxury account that was settled by XXXX XXXX. At one point my husband had a XXXX XXXX account through XXXX XXXX  that was I ONLY an authorized user on.
Product: Debt collection

A company called Transworld Systems Inc. sent me a letter in the mail claiming I owe {$560.00} to the OKLAHOMA TAX COMMISSION. 
I looked up this company and everything that comes up about them looks like they are a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to have a XXXX card ( XXXX XXXX  XXXX and XXXX went bankrupt.When XXXX went out of buisness my XXXX card was transferred to " XXXX XXXX XXXX  '' which I never applied for, asked for etc., ..Also, I never had a option to opt in or out.After filing complaints to XXXX XXXX   XXXX XXXX XXXX  is saying that they made a buisness decission and there was no opt out option.According to CFPB, I have the right to opt out of newly changed terms which i never had that optionXXXX XXXX XXXX XXXX XXXX XXXX  ) closed my account with out any knowledge or paper work sent.Because of XXXX closing my account, it has caused a negative on my credit report
Product: Checking or savings account

On XX/XX/XXXX XXXX account money was deposited and withdrawn by several different names thru a XXXX acct. have never open a XXXX account or received any phone call or message approving this. These were unauthorized charges that I did not authorized. After researching more information on this XXXX I have recently found that Truist Bank is a part of XXXX. 
XX/XX/XXXX I called the XXXX. Which is the number with truist to file a claim. That same same day I went to the local bank spoke XXXX XXXX to help me with this claim. I received a claim confirmation number. That I was informed that they would have to mail me paperwork to fill out and I would have to get notarized signature with detail information regarding my claim. On XX/XX/XXXX I received email that they did not find an error that occurred. This is not acceptable.. at any circumstances did I sign up or approve any XXXX exchange thru my account.