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

I have reached out to XXXX on several occasions asking them to supply me with the 3rd party information they are using to 'validate ' an account with XXXX XXXX XXXX XXXX XXXX they are reporting on my credit file. They have supplied false information on each occasion. I have asked that they remove the information due to them not reporting correctly and also supply the correct information to me. XXXX has misled and deceitfully reported information that they have not properly investigated. They have also refused to supply information regarding their investigative process or name the 3rd party that they are using. They have also failed to supply me with document level contract to support the owner of the reported account. I have asked several times for this information to shown and supplied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me 120 days past due on the XXXX XXXX partial account number XXXX ( page 11 of the attached credit report ). This account reflects a {$0.00} balance and {$0.00} past due. 

Equifax is incorrectly reporting me 120 days past due on the XXXX - partial account number XXXX ( page 14 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. 

This incorrect reporting is harming my credit score. It is impossible to be 120 days past due on accounts that have a {$0.00} balance and {$0.00} past due. 

I have contacted the two bureaus to fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Equifax has too many department of XXXX that appears on my credit report too many times which I only have 8 that are all discharge with XXXX balance. I contacted the credit bearua about this matter it still wasn't resolve. So I am asking could you please resolved this matter I greatly appreciated it.
Product: Credit card or prepaid card

I'm issuing a complaint about Citi Bank & XXXX XXXX XXXX! Both companies have decided to make their own laws! Their laws are not in compliance with our Constitution! Their new policies are to not accept credit card transactions for the purchases of any firearms or bullets! They will not even allow you to purchase toy guns! This is against our Constitution & our rights as US citizens. Please have them correct their errors & restore our constitutional rights! I feel they should be fined a large amount for breaking the laws against USA citizens! If no fine then they s/b closed down!
Product: Mortgage

My daughter recently tried to help us move and get a mortgage through Quicken Loans.. She was at my home and on the phone with them.. My wife was also in the room. I was busy playing with my grand kids and on the computer when this conversation was taking place.. I got alerted when I heard some personal info being shared. I immediately took notice and informed my daughter that whatever she was working on or with whom, to not let them run a credit inquiry on my behalf. I am in the midst of rebuilding my credit and did not need this at this time.. Too late. The Quicken loans representative informed me that he had spousal permission to authorize the inquiry.. I do n't understand that this is legal.. My daughter had been in conversation with my wife at the time and told my daughter it was ok to run a report.. However I did not authorize this action.. Is spousal consent legal?? I have contacted Quicken Loans and disputed this but to no avail. They tell me this is legal.. I feel very angry as I do n't think this is a good business practice.. Whom does it benefit? They did n't write the loan, my credit suffers and they walk away.. I thought Quicken Loans would do the right thing and remove this inquiry as they clearly stated they can hear me in the conversation strongly urging them to not pull my report. Quicken Loans absolutely wants to do nothing to help me the consumer. they told me to come back when my score was better.. They hurt my score by an unfair tactic.. Why would I ever want to do business with such a company! Again I never authorized this inquiry and our family is busy as others and I think Quicken loans was being very deceitful in the process of talking to my daughter.. I thought they would do the right thing when they pulled the tapes, but they refuse to do the right thing and let me the consumer suffer.. Please people do not allow your family to do business with Quicken Loans!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax and requested information in which I have yet to receive a response. Equifax is in violation of my rights as a federally protected consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX Subject : Goodwill Adjustment Request for Late Payments on My Account Dear Comenity Bank Customer Service , I hope this letter finds you well. I am writing to humbly request a goodwill adjustment to remove late payment records from my XXXX XXXX credit card account. I deeply value my relationship with your company and appreciate the credit opportunities you have provided me. 

I take full responsibility for the late payments reported on my account. Over the past few years, I encountered unexpected financial hardships that temporarily affected my ability to make timely payments. These difficulties included being a single parent and taking care of a household alone. However, despite these challenges, I have since worked diligently to improve my financial situation. 

The following payments were reported as late : XXXX : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX, XXXX Since overcoming my financial difficulties, I have made significant strides in managing my finances more responsibly. I have remained committed to making timely payments and improving my overall credit profile. Given my efforts and my positive relationship with your institution, I kindly request that you consider removing the late payment records from my credit report as a goodwill gesture. 

I understand the importance of accurate credit reporting and appreciate your consideration in this matter. This adjustment would greatly assist me in achieving my financial goals, including improving my credit score and securing future financial stability. I genuinely value my relationship with Comenity Bank and look forward to continuing it on a positive note. 

If you require any additional information, please do not hesitate to contact me at XXXX and XXXX. Thank you for your time and consideration. I appreciate your help and look forward to your response. 

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

I have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX XXXX XXXX XXXX NA # XXXX, XXXXXXXX  XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

My full name is XXXX XXXX XXXX. My drivers license was stolen and I reported it to XXXX XXXX XXXX police. My prescription medicine of Hydrocodone was picked up at a pharmacy of someone that looked like me with my I.D . card. It was reported to the police. I see several hits in the credit beuros that are not mine, as well as my name is mis spelled on there in different cases. My address 's are not accurate either. My credit is not where it should be. Ive got bills from hospitals that were not mine. I am disgusted with the system these days. I just filed bankruptcy XXXX  XXXX and it's not closed yet as it should be. After calling my attorney, he reports that I was getting garnished from my ex wife bills of over XXXX that I paid for. This is why I filed. I wasn't you to fix the names in the XXXX credit places that have inaccurate information on them and please look into this problem. My bank was fraudulently used as well with this suspect ruining my life. Please help me
Product: Credit reporting

Transunion is reporting an old debt from XXXX XXXX - its older than 7 years old - the debt was opened XX/XX/XXXX paid in full XX/XX/XXXX. its also being reported as 30-59 Days Late when the loan is paid in full. 

i tried to obtain financing for a car recently and was denied to this old debt being reported. this is affecting me tremendously
Product: Bank account or service

in short they closed my account and are withholding my money. 
i had an account with chase bank. the account was overdrawn and the bank contacted me to pay them back. i made an arrangement to get the account current by the XXXX of XXXX. on the XXXX i went to the bank to deposit money only to find out that the account had been closed that day and could not be reopened. after the weekend i went to the bank and talked to them about setting up a new account. i made an arrangement to pay the balance that i had and i set up a new account there and i deposited over {$2300.00} into the new account via a check i had received from an insurance claim. they told me the check would take a couple days to clear. account was fine for the first day after it opened. the day that the check was supposed to clear witch was the next day i tried to log into my account and was unable and was given a message that my access to the account was suspended. i called the bank and they told me that my account was closed again and that i would not have access to the funds.she told me it would be XXXX to ten days before i got a money order for the funds in my account. they would not tell me why it was closed or let me take out my money. nobody even tried to contact me about it and now its been past 7 days and i have n't received anything and i am concerned. this ultimately led to my family having a very XXXX XXXX because they withheld all my funds and the bank has not cared at all.
Product: Credit reporting or other personal consumer reports

Delete these accounts XXXX XXXX XXXX XXXX XXXX SELFREPORTED - XXXXXXXX XXXX SELFREPORTED - XXXX The personal information is incorrect XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my formal complaint to TRANSUNION for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I sent out dispute letter to them last XX/XX/2023 but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open a back account for my sister ( she is XXXX, XXXX and XXXX XXXX  ) and on XX/XX/XXXX and on XXXX XXXX received a letter from XXXX XXXX  that Experian saying they could not verify her identity. The application had her social security and home address. She will NEVERnave a credit report and what does that have to do with opening a checking account.
Product: Credit card or prepaid card

I am writing now in hopes to obtain your help. At the present time I am working on examining my credit, paying down my balances, and working toward greater credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( Experian, XXXX and XXXX ) on XX/XX/XXXX and XX/XX/XXXX and I am submitting this in order to get this remark took back. I had believe I had made all my payments on time, the only thing I could think of, is that my statement didn't get to me in time.
Product: Debt collection

Affirm had added to amounts to my credit. One for {$91.00} and the other {$73.00}. These debts have been paid in full. I informed them to do a good will deletion and they did not. XXXX did not agree with my dispute and declined it. This is not right and I did not authorize for this to be added to my credit. These negative accounts need to be removed. According to FRCA section 605B. It is illegal to report information on my credit report without my permission. Please remove this from my credit report.
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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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 repo
rt 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: Debt collection

someone called looking for me and said they were leaving a private message.and I should call this number if it is in error. XXXX XXXX XXXX. The body of the message said " This is Financial Corp of America attempting to collect a debt. " I do n't owe anyone anything. The number then left was XXXX, which is the number recorded on my caller id with a name of " unavailable ''. Furthermore I have n't received anything in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Dispute : A leasing company that never reimbursed me for my one month rent deposit is now claiming that I owe them money. They have never sent any bills to me but have placed a collection notice on my file for a bill that doesnt make sense to me. I lived at complex for 2 years with no issue, the 3rd year a new management comes along and terminated lease with several tenants. And now claiming I owe them money and havent reimbursed for my one month rent deposit {$1400.00}. I have successfully disputed the item from XXXX and Experian is giving me difficult removing the item which is affecting my credit rating. I dont know what info the collection agency is furnishing for their attempt to extort money. Please help me remove this incorrect credit report from my Experian account. Thank you
Product: Bank account or service

An unauthorized transfer was made from my account to XXXX XXXX ; a dispute/claim was filed but could take months to resolve. I contacted XXXX XXXX, they gave the error code XXXX and told me to contact my bank ( Wells Fargo ). No one seems to know what XXXX is, but a simple XXXX search shows it 's an unauthorized transfer from the originator. It 's in the amount of {$250.00} on my account. This complaint is in regards to the unauthorized transaction with hopes that the money will be returned to me faster than your claims process.
Product: Checking or savings account

On Tuesday XX/XX/2022 I noticed that my water bill payment did not go through, I logged in to check my account and everything looked ordinary. I called Chase support and I was instructed to provide an XXXX. I completed a XXXX and faxed it to the provided number coupled with my identity documents. 

On Thursday XX/XX/XXXX, I noticed that my online account had a message under my credit cards " Your account is locked ''. I called, I was then told that I needed to go to a branch to complete a XXXX. I went to my local branch, we completed the XXXX and I was told XXXX hours. 

On Monday XX/XX/XXXX, I still had the same message on my account. I called and I was told that I had to go to a branch. I went to the branch and I was told my account was pending closure and that " compliance '' needed more information that what was originally given, notably a scanned copy of my social security. We completed another XXXX along with other forms they could not disclose - with copies of my identity documents and XXXX. I was told XXXX hours. 

On Tuesday XX/XX/XXXX, my account is no longer listed, I have an alert for a {$0.00} balance- and I have no communication as to where my money is. 

I will spare unnecessary details ( delaying my marriage ) but I would like to note that at no point was I ever contacted by phone, email, secure message, mail or in-person ( at the bank ) about my account and the requirements. I have been a customer for 15 years and always kept my account in good standing. The compliance team on the phone were never helpful and often provided incorrect information ( stating that I can fax the document ). I had to consistently make contact to them ; I was respectful and provided all necessary information in a timely fashion. I did not receive any communication from them. 

I would like to know the reasoning behind this seemingly abrupt closure of my account which has been in good standing for 15 years. I have omitted names, employee numbers and transcripts for the sake of brevity.
Product: Debt collection

I get repeated calls from portfolio recovery for an electric bill ( XXXX XXXX i guess but I am unable to get an account # ) utility bill that I had that is from well over 10 yrs old ( XXXX ). They call over and over all day long I block the number they call from a different one. And the send me mail all the time. It just will not stop. 

They also keep calling a XXXX XXXX account from ( XXXX ) Both of these accounts were from a prior marriage and when we separated I left the home and left the electric on and cut my card up.
Product: Credit card or prepaid card

I have Bank of America credit card with quarterly reward XXXX dollars if I pay on time. In order to get that reward I set up auto pay for my payment. after due day, I checked my balance, I found the auto pay not working, right way I paid the amount by manually. Also, right way I called the bank to let them know what happened. they said they would take a look. I called them and explained every again to them, they said ok it's their fault and gave my interest back. but they still no pay XXXX reward. they say I am pay late.
Product: Student loan

On XXXX XXXX attempted a payment for private loans with Navient account # XXXX. My online account showed a fee of {$14.00}. My account was current due to IBR and on-payments. My total amount due according to the system was to be {$530.00} with their Quick Pay system. My card was charged {$14.00} and {$330.00}. The rest of the payment was unprocessed without confirmation. I contacted customer service and Agent # XXXX confirmed that {$14.00} was a for a late fee which was to be applied to interest on my federal loan. My federal loan is on a $ XXXX and the rep said I did not owe this, yet I have been charged. I called again today and logged into their system and the account is showing that {$480.00} is owed. Which is incorrect. The system declared an amount owed for XXXX XXXX loan was {$150.00}, Agent XXXX 's system said {$140.00} was owed and processed that amount. Why is Navient continually showing late fees that are n't on a borrower 's account with an autopay system that just collects this. Even when I have tried to keep my payments current the system is overcharging and so is Navient. This system is designed to keep people in debt! This is outrageous! My student loans combined are more than XXXX of my income. I can barely make ends meet! Also it seems the only way I can get them to do anything right is via phone with payment by credit card and now they are charging {$15.00} to process this way and this is the first time they have disclosed that fee. When they overdrew my account before at no time was there every acknowledgement of any fees charged! Why is my statement showing more than what I owe? Are they arbitrarily adding money to my loans? My balance is $ 107+! Please advise.
Product: Checking or savings account

I contacted chase bank to report a issue with scam/fraud and that a product I received was not as I was told it would be and I wanted to dispute the transaction they misfiled the claim then denied the claim. Never investigated it never contacted me once to get any information took them XXXX  days to investigate but never during the investigation did they reach out to me then they denied it and closed it I found out they closed it submitted proof of my claim and that they filed it incorrectly to begin with submitted evidence to back up my claim and it was immediately denied again they never investigated it and they are discriminating against the consumer and are only helping the merchant scam and defraud people. They dont even try to help the consumer they only back up the merchant
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-wife claimed bankruptcy a little over two years ago. Included in the bankruptcy was a XXXX XXXX in which I was a co-signer. As a result of the bankruptcy, Ally started to report " late payments '' on my credit report. Which was a lie because they were receiving " on time '' payments through my ex-wife 's bankruptcy. My ex-wife 's lawyer contacted Ally directly. Ally agreed to stop reporting late payments in which they did. However, now they refuse to go back and correct the previous months. As a result, my credit score is low. I'm wanting to refinance my home and now I can't. 

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

I simply want to report that if you try to contact Experian by phone, ( XXXX ). They initially ask you to enter your Social Security number by automated service. When you attempt to do so by entering it on your phone, they respond, " I'm sorry, I didn't get that ''. If you repeat, you get the same response. I called back and verbally gave my SS # and they took it, but when they asked the second question, I got the same response and the call ends. I actually tried one more time. This time they took my verbal SS #, but when I tried to answer their second question, they gave the same " didn't get that '' response and ended the call.