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

The company initially gave me a 72 month loan at $ XXXX  monthly with my first payment due XX/XX/XXXX, I made my first payment in XXXX of XXXX, a month before the payment was do instead of posting the payment to the month it was do XX/XX/XXXX, they created a payment due for XX/XX/XXXX. Then throughout my loan I been given 5 extensions or payment deferments the company has posted payments to months that were deferred. In XXXX of XXXX I made 3 payments totaling {$2100.00} the company applied all those payments to interest and posted to deferred payments which now they are saying I have two 30 day lates for months XX/XX/XXXX and XX/XX/XXXX. I had several calls within the company explaining how the posting was incorrect walking step by step with the representative they final see it, I have also talked with a member of there leadership team who found the error on his own and assured me that he would have this corrected and credits issued for late fees and etc, he also said he would be sending it over to his ASU DEPARTMENT to correct my credit report well thats where the ball drops. No one within that department will take the time to review the payments and reach out to me or the member of leadership to ask questions. Attached you will find thr transaction history
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. Equifax violated my rights a numerous amount of times. I demand the inquiries and accounts listed below be removed because according to 15 USC 1681, I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Upon being denied from a lender for too many inquiries from TransUnion report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my TransUnion credit report that I DID NOT authorize and had no knowledge of. I contacted TransUnion immediately and was given no relief. I also have a fraud alert already in place which should avoid any future issues. Please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason.     1.   XXXX   date   XXXX   2  XXXX   XXXX   date   XXXX   3.   XXXX  date  XXXX   4.   XXXX   date   XXXX     5.   XXXX  date  XXXX   6.   XXXX  date  XXXX  7.  XXXX   XXXX  date  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

There are 3 fraud inquiries on my XXXX report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX want them removed immediately. Police report and Identity theft reports have been made. I have disputed these, they are not correct, and they are affecting my ability to get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy that is being reported on my credit reports and that is inaccurate! My husband and I ALMOST went thru with bankruptcy but backed out..this is inaccurate information and needs to be removed from my credit report immediately
Product: Debt collection

This MEDICAL debt was part of a car accident. I PAID EVERYTHING as of 2018. They are trying to collect AGAIN. I have called and they were VERBALLY ABUSIVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX , XXXX XXXX XXXX I believe that someone has used my name to open up utilities and cable in one of the fraudulent addresses above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I would like to report about unrecognized items in my credit report. I do not know them and I have never had anything with those companies. Its an identity theft for sure. I am sure its a scam or issues in reporting but those mistakes badly influencing my credit reporting. Please investigate and remove them from my credit report. Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My correct name is XXXX XXXX XXXX XXXX, not XXXX or XXXX. I never lived in Massachusetts just in XXXX XXXX and XXXX XXXX My current correct address is XXXX XXXX XXXX, XXXX XXXX. XXXX My current employer is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX ( XXXX ) XXXX. My current correct Phone number is ( XXXX ) XXXX. Please make proper adjustments to all credit bureaus. Thank you.
Product: Credit reporting or other personal consumer reports

Despite several attempts to dispute this issue, the inaccurate information continues to persist on my credit report, causing direct harm to my FICO score. This ongoing disregard for my disputes is a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). As a consumer, I have the right to an accurate and fair credit report, and it is deeply troubling that this issue has not been rectified despite multiple efforts to address it. 

The continued presence of this erroneous information not only undermines my creditworthiness but also reflects a blatant failure to comply with the statutory obligations that protect consumers. I demand immediate action to resolve this matter, as further delays only exacerbate the harm to my financial well-being and violate my fundamental rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I sent TransUnion a certified letter for accounts and inquiries that were not mine. I asked that they respond and send me original documentation binding me to this debt. I have not received a letter or any evidence. On XX/XX/20 I sent another letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

none of the 3 credit bureaus, are responding to my disputes
Product: Student loan

I borrowed from formally XXXX XXXX now Navient a private student plus loan for {$14000.00} with a XXXX % interest rate in XXXX and graduated in XXXX. Immediately upon completion of school, I began payments. My loan amount when I graduated was at {$23000.00}. I have made on time payments since and my amount owed never really changed but by a few hundred dollars until recently when Navient gave me a {$600.00} credit. The institution marked it as an error on principal payment corrected. However, I find it hard to believe and harder to understand their ledger. I have called and complained multiple times to them since XXXX until present day and asked for their representative to explain and look at the account. They never could explain it and would usually just give me some type of an account credit to shut me up for the time being. I have been paying for XXXX years and I still owe {$20000.00}, and yes, I have been making normal principal and interest payments the whole time. I have thought about hiring an attorney, but I have been so busy trying to make it after college that it has been on my back burner, until now. Recently, I was made aware of the lawsuit against former XXXX XXXX now Navient about this same bad service and robbery. I wanted to start my process to get justice and the credit I deserve for years of payment I have been making and still making.
Product: Credit card

I pay an annual fee of approximately {$600.00} to chase for my XXXX XXXX  and my wifes. I pay this fee because of the trip delay and lost luggage benefits. I never made a claim before, but submitted my very first claim to be reimbursed for hotel, food, and incidentals because my flight to XXXX XXXX was delayed overnight by XXXX hours and we were stuck in XXXX. I think this benefit is fraudulent. Ive placed multiple phone calls and sent multiple emails and they always ask for a XXXX more piece of info and say it will be XXXX business days before they can respond. I believe they have XXXX intent of paying any claims and simply try to delay and west people down until they give up. My claim number is XXXX.
Product: Credit card or prepaid card

I lost my Chase Credit card a few months ago and got a replacement. 
In the last credit card statement I found a transaction ( {$140.00} on XX/XX/22 ) paid to XXXX ( XXXX XXXX XXXX XXXX XXXX ) which I never authorized or expected. 
I called Chase immediately and filed a dispute. They made a temporarycredit back to my account. When I called XXXX they said that I entered the creditcard info manually and thus can not give me a refund.Here 's what happened. Last year I used the previously lost card to pay for the XXXX service for the organization that I volunteered for. And my successor ( XXXX XXXX in XXXX, XXXX ) changed the billing method to the organization 's XXXX account. But XXXX did not accept the XXXX and instead came after me. XXXX acquired my newcredit card information ILLEGALLY and charged the auto-renewalfee to mynew credit card thatI neverprovided.Chase is saying that the company will never release the new card info to a vendor. XXXX is saying I must have changed it myself or agreed to Chase to surrender my replacement card to any vendor who requested it.Even though XXXX cancelled thesubscriptionservice on the account, the company refused to take my credit card off and threatened me that the same card will be used if the organization wants to reactivate their service. 

I think Chase gave my new credit card info to XXXX and XXXX charged the yearly fee on it.The problem is that1. None of this happened with my consent.2. XXXX still refuses that they stole my credit card info. They are insistingthat I did it manually for the organization that I haven't worked for over a year! 3. XXXX is refusing to give me a full refund,4. XXXX is threatening me to cancel my dispute claim to Chase saying otherwise they won't take my credit card off their billing system. 
I'm a school teacher simply going about my work and not having to worry about this kind of wrongful business practice. 

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

After notifying each credit bureau regarding the closed status of my California child support account and request by that department to remove an account of balance is obviously XXXX stated by Trans Union them selves. Both XXXX and XXXX along with Trans Union continued to display incorrect credit information on a closed account which I am the custodial parent and the difference in the reporting by XXXX and Trans Union clearly shows the discrepancy itself. The credit bureaus simply wont take the time To verify it for themselves and only rely on a third-party service that does the reporting.
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 updated or removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear XXXX, XXXX and Experian I am writing to dispute the following information on my credit report. I have reviewed my credit report and found an error in the information related to a collection account. Please see the details below : Account Number : XXXX Creditor : XXXX XXXX Balance Owed : {$510.00} Date of Last Activity : XX/XX/XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX I believe that this information is inaccurate for the following reasons : I have never had an account with this creditor. I am a victim of identity theft. 
To support my claim, I request the following documents you obtained to verify that this is valid. 

According to the Fair Credit Reporting Act ( FCRA ), you are required to see me documentation of your procedures and an updated credit report reflecting such action took. Please send me written confirmation that the requested corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX  IN # XXXX Account XXXX : XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, XXXX  XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is no sufficient information to support the credit bureaus claim.The payment here is sent in advance so I don't understand why this is is a past due..Please fix this for me ... XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX   XXXX, XXXX XXXX-XXXX, XXXX/XXXX   XXXX
Product: Checking or savings account

Hi I was running my bank account on wise for 2 year and then I got suddenly an email that my account got deactivated.i talk to customer support and and also made a complain about it .a I asked them to refund my amount available in account and they did it but sent me half amount. wise refund me only the amount which was available at that time my account but not a pending transaction which was hold by wise of XXXX USD and when I saw this transaction is not being made than I putted a cancellation request.i talked to customer support and they told me that they have started processing cancellation request and when I received my refund from wise which was available in my account but not that XXXX, I talked to customer support again and they told me that they refunded XXXX back to my deactivated account and asked me to provide any other bank details to refund that amount in it .I did same but now it has been almost 2 months still I didn't receive the amount.and today I got an email in response of a complain I do made with wise .they said they can't reopen my account and also they have sent back me my amount and also offerd XXXX GBP compensation for late refund. 


1.But my complaint is where is my XXXX dollars now and when I will receive them as wise giving me no response about any time 2. also how could they close my account without telling me even a single reason 3.why is offering me only XXXX GBP for the late refund compensation They should also make compensation for my XXXX USD toooo late refund to my account And also should send me my XXXX dollars plus XXXX GBP for previous refund and XXXX GBP for this XXXX dollars too late send compensation. 

I would like CFPB to investigate my matters at urjeeeeent
Product: Credit reporting or other personal consumer reports

This is my refilling of my complaint to CAPITAL ONE for taking no action on correcting and removing the fraudulent account including the unauthorized inquiries that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not
Product: Debt collection

Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed one credit inquiry that I find to be problematic. The first inquiry in question was apparently made by JPMCB CARD on XX/XX/2018 and I have no recollection of doing any business with JPMCB CARD. I contacted JPMCB CARD, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue of fraudulent items on my credit report, despite numerous attempts to have them removed. Despite my persistent efforts, these fraudulent entries persist, casting a shadow over my financial integrity and causing undue hardship. 

I have diligently followed all necessary protocols to dispute these items, providing extensive documentation and evidence to support my claims of fraud. 

However, despite my repeated attempts to rectify this matter, the fraudulent entries continue to mar my credit report, tarnishing my reputation as a responsible consumer and hindering my ability to secure credit and make important financial decisions. 

This persistent failure to address the fraudulent items reflects poorly on your organization 's commitment to accuracy and integrity in credit reporting. It is unacceptable that despite my continued efforts to resolve this issue, there has been no meaningful progress or resolution. 

I urge you to take immediate and decisive action to rectify this matter by expeditiously removing the fraudulent items from my credit report. Additionally, I request transparent communication throughout the resolution process, including regular updates on the progress of the investigation and the actions being taken to address this issue. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to explore alternative avenues for resolution, including legal action and escalation to regulatory authorities. I trust that you understand the seriousness of this matter and will take all necessary steps to rectify it without further delay. 

I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$3300.00}.
Product: Debt collection

I contacted the company and got a return to sender there is no return address. They have different phone number and address on XXXX and XXXX. They are reported as derogatory on XXXX yet it says paid in full. XXXX has never late.
Product: Debt collection

Credence Resource Management has not removed fraudulent XX/XX/20 XXXX credit inquiry from my credit report. Since it was not my debt, then I have and had no business with Credence. Also, note that as a result of my communication with Credence ( perhaps in retaliation to my complaint re their collection practices ) that I now receive 100s of spam emails weekly to my gmail account.
Product: Credit reporting or other personal consumer reports

Paid for credit score on XX/XX/year>. Tried to access score today and requested to pay again. 
Case # XXXX. I am trying to get work done to my home and need to make sure the score has not changed.
Product: Credit reporting or other personal consumer reports

It has been XXXX  months since i have sent thid company a notice to opt me out of reporting the following account XXXX XXXX from my consumer reports. Please respond to my dispute I am tired of waiting for a response. All investigations must be done withn XXXX  days and at the very latest XXXX  days.