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

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX How is Trans Union and XXXX reporting this account type as open, while the account status being reported for all three consumer reporting agencies is closed? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX not supply that information to you? Shouldn't all data fields be complete? 
Trans Union is reporting the date last active as XX/XX/2021, XXXX is reporting it as XX/XX/2021, and XXXX is reporting the date last active as XXXX date is it? It can't be all three? 

Why isn't Trans Union reporting any payment history? Why isn't XXXX reporting any payment history other than XXXX of 2021? How can I be on time with my payment in XXXX of 2021 with XXXX but charged off that same month with XXXX? When was I reported late with Trans Union or XXXX? What was my monthly payment? When was my last payment received for this account? When was the date of first delinquency with all 3 consumer reporting agencies? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Credit card

I am with the GAp credit card for more than 7 years. I always pay my bills on time. In the month of XXXX, I was XXXX till XXXX. I called and made a XXXX payement for XXXX, and then called back XXXX XXXX for a XXXX 2016 payement as I was XXXX. I have the confirmation number, I am in shock as I received a letter from synchrony bank, stating that I cancelled the account, when I had a balance which I have never done. I spoke to a supervisor named XXXX ( employee # XXXX ) only to be informed that he could do nothing, to retrieve the conversation reflecting that I closed the account. Do you think this is fair to a consumer that these corporations not only charge interest, but falsely accuse u of closing an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, i called the courthouse asking do they report bankruptcies to the credit reporting agencies. " The courts responded and said they DO NOT report any bankruptcies to anybody and that i can go to they're website and print off the letter they have on the home page stating that they do not report to the agencies. '' So if that's the case how did the credit bureaus certify my bankruptcy as 100 % accurate. They never did a fair invistagtion according to the 15 U.S.C 1681. 15 U.S.C 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report " mean a consumer report or portion there of in which information on a consumers character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 U.S.C 1681. According to : 15 U.S.C 1681 section 602 A. States i have the right to privacy. According to : 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 According to : 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

In XXXX i discovered i had been a victim of identity theft. I notified the local police, the FTC, the credit bureaus and in some cases the creditors directly. All were removed as a result of the dispute process and the included reports to authorities. In XXXX one of the accounts previously deleted was re-sold to another company. I again disputed XX/XX/XXXX except this time the company " Complete Credit Solutions '' confirmed it was my account despite the police reports etc. I contacted the company many times to no resolve.When i called the first time i was told they " Complete Credit Solutions '' bought the account from " XXXX XXXX '' and are checking to see if they would get their money back for the account they bought. I am being adversely affected by this fraudulent account and this company is not willing to assist to protect my rights as a victim. I called again today XX/XX/XXXX and was told to wait for a supervisor to review and call me back. I need help getting a resolution. XXXX asked that i update the FTC Report to list the original creditor name " XXXX XXXX ''.
Product: Prepaid card

I am trying to use a prepaid gift card that was given to me and it was denied. I tried calling the Company and they said that it was deactivated due to potential fraud. I asked for more information and none was given. This is a gift card. I was met with terrible customer service and reviewed the many similar complaints online and am convinced that this is a predatory practice by the Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : NATIONSTAR MORTGAGE XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Credit card or prepaid card

I am not even sure who to address this complaint about. The enticement and advertising to open a 12 month no interest account starts with Apple Credit Card and then it appears servicing is moved to Goldman Sachs.

The advertisement is not clear, concise nor consumer friendly. To obtain information after you have placed the order is close to impossible. I have been transferred between Apple Card over 33 times and have spent a title of 44 hours trying to get assistance. 

Both entities claim to not understand how this program works. There are so many features that seem to be predatory, deceptive and just down-right slimy for the consumer. 

1. Apple advertises an apple gift card with a purchase. They are not clear that they you not receiving a discount or a free gift card. They actually charge you for the gift card on the Apple Card. There is no benefit. At least 18 employees within Apple and some calls as long as 2 hours 33 minutes, no apple employee could explain how the gift card works. On the surface it is just appears to be deceptive advertising to sell a gift card and finance it on an apple credit card.

2. Neither Apple nor Goldman Sachs can provide a breakdown of the charges, why some are on installment or others are not. I have been told there is not itemization. There appears to be a very serious lack of training between Apple credit card and Goldman Sachs. I spoke with no less than 10 people who all told me a totally different policy or guidelines. A clear and concise consumer friendly policy should not require both parties to have to elevate to a supervisor.

3. The upfront disclosures of how to maneuver this minefield is non existent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency has not corrected errors on credit report in timely manner. Need misinformation removed from file.
Product: Debt collection

In XXXX I took out a payday loan for {$400.00}. Over the next four months I had to make payments of ~ $ XXXX to satisfy paying off the loan without additional fees. I did pay off the loan but in XXXX I was notified by the law office of XXXX XXXX XXXX in Colorado that my debt now totalled > {$1800.00} with fees. Until XXXX I had not been notified that this original payday loan was unpaid. When I asked the law office for proof of non-payment they stated they did not have access to these documents. I was unable to find previous email correspondence showing my receipt of payments from XXXX due to the the email account had been deactivated years prior. In trying to find a resolution the law office refused to negotiate and then served me notice at my home in XXXX. In short the law office of XXXX XXXX XXXX has not been able to prove my loan was not paid and has added over {$1500.00} in fees and penalties as they say my new balance owed is in excess of {$2000.00}.
Product: Credit reporting or other personal consumer reports

I generated the credit report and I realized that they are charging me a credit card that I never processed. I went to the bank and they tell me that for the time they can no longer do anything that I have to call the company that bought the debt. 

The bank where the credit card is from is Capital One and now where the debt is is XXXX XXXX XXXX for an amount of {$520.00}, which I do not know where it was used and who processed this card on the date it was processed XX/XX/2020 I hope you can help me since I have spoken with them and they only tell me that I have to pay it. I don't know if I should report it to you or to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit ran today XX/XX/20 because asked for a credit increase on one of my credit cards but I was turned down because apparently there are accounts in negative standing on my credit. I looked through a copy of my credit report and I saw accounts from XXXX, XXXX XXXX XXXX XXXX XXXX that I never opened. I don't know why these accounts are on my credit report or who could have opened them in my name without my permission. I never got anything from these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I do not have any contract or relationship with any of the companies I listed and I did not give them permission to run or view my credit information. I already filed a police report as regarding these suspicious accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma said that I had an opportunity to open up a card and I did I was given a {$300.00} credit line with XXXX XXXX XXXX  and they never reported me for over a year that I have been making substantial and monthly payments now after I called XXXX XXXX and ask them why I wasn't given the the proper on Time payments to be reported to my score they finally opened up and sent it to to my credit reporting agencies and my credit went down XXXX points XXXX points ruined me I've been shambles now I worked so hard to try to get my credit up now I'm down XXXX points for being misled by Credit Karma and XXXX XXXX XXXX  what a sham
Product: Debt collection

My insurance originally declined my medical claim. After filing a complaint with the Georgia Insurance Commissioner, my insurance decided to pay my medical claim. However, one debt was turned over to a collection account. The original creditor has agreed that my account is paid in full and that they have requested the collection account be reversed. However, the collection company is still showing I owe a balance even after I have contacted them numerous times and provided documentation. It has been over a month and they are still saying I owe a balance.
Product: Credit card or prepaid card

The card was turned down at a movie theatre on XX/XX/22. I called the number on back of the card and the recording said the card was invalid. I went online several times on XX/XX/22 to enter the card information and the prompt said the system was experiencing problems several times and to try again later. I called the numbers listed on the Vanilla Gift Card and they were both incorrect. One number was a XXXX company and the other was a XXXX XXXX XXXX company that said I needed to listen to their offer first before assistance and when I questioned them they hung up on me. Impossible to get live person assistance after trying numerous times. Please help me in what appears to be a dishonest company.
Product: Credit reporting or other personal consumer reports

I have a letter from 3 months ago stating they will remove this file from my account it just reappeared as you can see this is affecting my ability to get credit.
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 : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : # XXXX Account Name : XXXX XXXX XXXX Account Number : # XXXX Account Name : XXXX  XXXX Account Number : # XXXX Account Name : XXXX XXXX XXXX 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX # XXXX ======================================= UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ======================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over 20 yrs ago I had a title loan I think can not remember. It was called XXXX XXXX loans. My old debt was paid, I was making payment it was a high risk payment loan place. I was unable to set payments and continue to make the same amount of payment I still remember how I struggled with raising XXXX children and very low income working pay rate XXXX pr hour. That company increased the balance with fees, late fees and the amount was tooo high and i was paying and never getting anywhere. I remember asking if they can lower the interest or the payments that either was done. 
I just could not pay every month than I started to get sick losing a lot of my pay. 
Than the debt was sent to the credit bureaus and my credit history became a nightmare. still is I can not believe XXXX is still harassing me for the account that is over 20 yrs old I never reapplied. I was also notify per credit agencies who help with debt consolidation. Not to make a payment if so it starts over again. I did follow what I was told. So, after so many years I just got an email from Mariner Finance stating I owe them money and that was sent to the collections department. This is the 2nd or 3rd time I get this threat and harrassment every 1yr or 2. I Never ever applied for any loan from Mariner Finance. I went in to ask about what type of company they are after the lady in the office told me to come and when she came back now this was over XXXX ago. when she came back she said she was a supervisor at the XXXX XXXX. she told me I could not get any loans, because I owed them I told her no I do not I never borrowed. She came back with an old file and she did not let me see it but she told me it use to be XXXX XXXX XXXX XXXX XXXX XXXX. Well, I told them I do not owe any funds and not ever over XXXX all this is fees, interest, because I remember the amount i could not pay off was under 1000. Also XXXX was on all three of my credit bureau for XXXX yrs. I request remove they did, also i put that in the bankruptcy XXXX XXXX it is going discharge XXXX yrs. XXXX was not to harass me nor sell it to Marinier finance and if not than if XXXX name was changed to Mariner Finance that too is not and they need to stop sending me threatening letter and marking my credit with debt that is over 20yrs old, also still charging fees, interest Sunbelt has been file in Bankruptcy XXXX XXXX  currently discharge 4yrs. Mariner Finance they do not have anything from me as being approved for any loans I never got one from them, nor sign for any loan from Mariner Finance, if they state i did i want proof and they can not combine XXXX XXXX loan title. That company is no longer existing. I want my credit left alone and I do want to sue them for harrassment and tarnishing my current credit history. I have the email and the bankruptcy documents showing that XXXX was the only company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a collection account in my name for wish dont owe. The collection company is XXXX  XXXX .I called and disputed it along with the property XXXX I have a ledge with a set balance and they didnt care XXXX. Has a collection account on my credit report that is not in my name and the creditor is XXXX XXXX XXXX XXXX I disputed it and it has not changed
Product: Credit card or prepaid card

American Express lowered the credit limit on your account to {$5000.00} from {$6000.00}. The new cash advance limit is {$200.00} which was higher. I have been an excellent customer since XX/XX/XXXX-XX/XX/XXXX. In the entire time, I have been a customer, I have never grossly missed a payment. I should not be punished for my credit activity when there is no reason to lower my limit. Matter of fact, I have a perfect payment record across ALL my debts and loans since XX/XX/XXXX. I have never missed a credit card, car, mortgage, personal loan and student loan since XX/XX/XXXX!!! I completely paid off 3 car loans and over 40K in students since XX/XX/XXXX. I believe having my credit limit lowered was made in discrimination without considering my entire credit profile. Like I have said, I have never missed a payment since XX/XX/XXXX, NEVER! Lowering my credit actually hurts me more by increasing my debt to income ratio, this is not giving me great customer service!!! When I called to get an answer regarding this issue, I wasn't given a sufficient answer. I was told to refer to my credit report. I want this fixed as a customer who has earned the credit I have worked hard for.
Product: Credit reporting

I sent a dispute with Equifax on XXXX XXXX, 2016 though the fax number they provided. I have waited for the file to show the items I disputed to be in dispute but upon calling them they are telling me they received my cover letter and the last XXXX pages of my dispute which are my identification and utility bill, which is convenient for them as they do n't seem to find the actual letter of dispute. I have also uploaded the dispute in their online dispute and they have not even acknowledged my dispute. It will be 30 days on XX/XX/XXXX with none of the accounts and personal information that is reporting inaccurately on my credit file being in dispute. I have attached the original letter sent on XXXX XXXX that they have indeed acknowledged was sent and they received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/2020 I went back to work after being furloughed due to covid. My hours were cut from 40 hours a week to 30 hours a week. This was due to covid and the pandemic.

My car company was aware of my hardship and had even notated my account as affected by covid. My fianc is in the entertainment industry. Hes been out of work and waiting on unemployment due to covid. So basically Ive been supporting a family of 5 by myself. I had advised Flagship and they were aware of the situation. In late XXXX I made a full payment. 
Theyd offered me an extension. When I called back in XXXX to verify it still hadnt been approved. So they advised they were requesting two extensions due to loss of hours and theyd place on end of loan. They never said anything about it hurting my credit. Instead they said to call back and verify if it was approved or not. So I kept calling and finally it was approved in XXXX. As long as I made a full payment. Please see attachments. 

Then came my credit. XXXX XXXX, 30 days past due. I disputed then it changed to XXXX. I disputed and now its changed to XXXX. I spoke with a Supervisor she advised it would be fixed. I wrote a letter only for them to write back saying its valid. 

In good faith I made an agreement based on my loss of hours because of covid. Now my credit has been adversely effected. They even took the comment off my account stating that Ive been effected by covid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting to XXXX that this account is missing payments when this account is closed and paid in full. XXXX XXXX is repeatedly reporting fraudulent report and XXXX XXXX is fraudulent reporting the. This is repeatedly a problem.
Product: Credit card

Wells Fargo ( XXXX ) changes my mailing address to a XXXX XXXX that I have not used since XXXX without my authorization. In XXXX, a replacement credit card was mailed to the incorrect address. I never received the credit card. Then XXXX sent a new card via FedEX to my residence. 
Multiple applications have been submitted fraudulently to Bank XXXX XXXX, XXXX XXXX, and XXXX XXXX. XXXX XXXX continuously tell me to contact XXXX because XXXX notified XXXX to change my address. I talked to XXXX reps by phone and in-person at least XXXX times. They assured me that my name is no longer associated with the XXXX XXXX XXXX therefore, it is not linked to me in any way. 
XXXX is negligent in this matter and continues to change my mailing address to the XXXX XXXX without my authorization every XXXX months. I receive a notification that the mailing address has been changed. Then, I log on and change the address back to my residence. In XX/XX/XXXX, I contacted the XXXX. This act resulted in XXXX sending me letters and leaving voicemails stating they were researching the matter. On Thursday, XX/XX/XXXX, I received correspondence that XXXX ( case XXXX ) and XXXX  ( case # XXXX ) were closing the case. XXXX stated yet again that I should contact XXXX even though I have already called XXXX and gone to the XXXX XXXX where the XXXX XXXX is located numerous times and told XXXX has not triggered an address change for me. I am not linked to the XXXX XXXX because I haven't paid for it since XXXX.