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

( 1 ) What happened?

I contacted Experian 's Customer Service on XX/XX/2018, and XX/XX/2018, and requested to be transfered to the Special Dispute For Inquiries. The calls were regarding Experian 's know how, with converting Hard Inquiries into Soft Pulls. I spoke with someone, at Experian, who referred me back to the company that put the Inquiry on my credit report. When I contacted the company they stated that I would have to go back to Experian 's Credit Agency and Dispute the inquiries with them.

The FCRA has a new Law in effect that allows the consumer to request the Credit Bureau to turn the Hard Inquiry into a Soft Pull, this way the consumers credit will not be affected.

I have been back and forth with the Hard Inquiry issue. Experian can either turn the Hard inquiry into a Soft Pull or delete it.

The Hard Inquiry Report Numbers are : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint in XXXXXXXX XXXX XXXX to Equifax because I can not see my accurate credit report on XXXX. I am being rejected for business credit now because of this issue. Equifax is withholding information. I sent a bill proving what my address is at the moment. Equifax is damaging my reputation.
Product: Debt collection

This company placed this collection on my credit report with no contact to me prior. This company has entered into a settlement in XXXX with the XXXX of the Colorado Fair Debt Collection Practices Act for the same type of behavior. The creditor listed is XXXX which I had in XXXX and who erroneously put me in collections. I completed a dispute with XXXX and they cleared my account when they found their error upon investigation. This never was and is not a valid debt. I am in the process of buying a house and it has caused my mortgage interest rate offer to go up by 1 %.
Product: Credit reporting or other personal consumer reports

Several times in XX/XX/2021 I contacted them by phone calling to address my report had in inaccurate information on it. EX : accurate address on report only. EX : not showing my student loans or reporting them. EX : tampering with score. EX : denied applications. EX : denied apartments. EX : denied auto loans. EX : denied rightful EX : Im Currently Homeless
Product: Checking or savings account

I went to Regions Bank to open an account on XX/XX/XXXX at about XXXX. I was told that I had to pay a previous balance of XXXX before I can open a new account, so, I paid that amount then the rep. Gave me an appointment for Monday XX/XX/XXXX at XXXXXXXX XXXX When I get there to attempt to open the account she tells me I can't because somethings going on with my social security number or background check. I've never been in trouble, I'm not a felony or anything. I want to know what's going on. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax data preach I was one of the people that they hacked into my information. I have all 3 bureaus freezes and a Fraud alert on all 3 and still had my info stolen. What do I do next does Equifax have to protect me for Fraud with life lock or something similar? I 'm worried and I own a house. Can you tell me how to go about this problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, and I noticed that unauthorized inquires have been made ( see below ) I request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed below. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

I also requested removal of multiple addresses found on my credit report 60 days ago. I would like them removed immediately, and have my current address updated on all credit reports. My Correct address is XXXX XXXX XXXX XXXX XXXX, TX XXXX. 



PLEASE REMOVE THE FOLLOWING : FCRA VIOLATION XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX Below you will find inquires that need to be removed, see attached files as well. 




XXXXXXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX  Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Thank you for your help and assistance. 

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

debt recovery solutions account number XXXX n accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Mortgage

I recently applied for a home mortgage. I was advised that a hard inquiry was on my report from " CREDCO '' on XXXX/XXXX/2015. I did some research and found this to be a mortgage company. I never Applied for ANY type of loans at that time. I contacted a Customer Service number online and I was advised to contact XXXX wich I did, they are no help at all and advised I would need to contact CREDCO. No one is willing to help or provide documentation on this issue. I am requesting to have the inquiry removed as it is a negative impact on my score
Product: Debt collection

I attempted to rent to own a cello from XXXX XXXX XXXX at a function for my daughters school. When we arrived only 1 staff for atleast XXXX parents n kids. Salesperson never filled out paperwork just asked me to sign it as he would have to call the store for cello terms as not many kids select the cello, and he would get back to me with it so we could agree to proceed. Maybe he was busy i dont know but he never did and soon he told us the function was closing we had to leave and he would call us as he was still swamped. He never called, he never brought her music book for learning and multiple times we were double and triple charged.I did contact store, they said Id have to drive 45 mins one way to get her book, I said no as everyone else was given theirs with the instrument. My daughter never got taught, nor learned to play due to this. Also, they sold the debt to Kinum ( debt collection agency ) even though I had also informed XXXX XXXX XXXX that the rent to own agreement was void as the salesperson never completed, a price, cash price, payment due date or term. Under State and Federal law any finance agreement or rental agreement must have these outlined and with the contract being left blank and never filled in, the debt and contract are void under law and invalid for collection of any kind. I also, informed Kinum of this, both parties stated they dont care and resort to blaming each other in order to have this debt removed as its invalid. I have suffered damages by both parties since XXXX. As neither will remove this debt d4espite knowing its unlawful.
Product: Student loan

Starting in XXXX of XXXX, all information for Income Sensitive Loan repayment Recertification was submitted to Navient. Follow up calls from myself to verify they received all the paperwork XX/XX/XXXX, spoke to a rep XXXX who stated the recertification was " under review '' and an answer would be coming in XXXX days. Phone call to Navient XX/XX/XXXX to follow up, states the recertification is not complete spoke to customer service rep XXXX XXXX, who then spoke to his supervisor and stated they are putting an escalation on the recertification paperwork and it would be completed XX/XX/XXXX. Opened my email XX/XX/XXXX to find 3 different letters from Navient stating that Standard Payment plan was back in effect as well as stating that the Income Sensitive Plan was not an option due to using the 5 years already, 5 years that nobody tells you have to begin with. Hours spent on the phone today XX/XX/XXXX with a rep who then states there are discrepancies for forbearance time and proceeds to go back to the year XXXX. Every year when it is recertification time, I and probably several others go through the same time consuming, unproductive phone calls with representatives who go back and forth, back and forth, and these are the supervisors they have hired. Ridiculous service, the ways student loans are sold are a disservice to the consumer.
Product: Checking or savings account

So I dont understand why my claim was denied I never received any information from crazy cheap store llc floor mats company at all about my item I purchased back in XXXX chime made me fill a dispute form and called almost every day for 8 weeks and also sent emails to the crazy cheap store who charged my account llc floor mats Ive reached out to them thru email since the site has no number but no one ever responded so was like what the heck I feel scammed out of XXXX and thought my bank can help get me my funds back but they denied me and before denying me they would tell me to call back and gave me a huge run around when I asked why it was taking so long cause now has been 4 months and all I want is my money back or my item I purchased but feel like Im a fool cause this bank is not the greatest and has the worst customer service and makes things a lot more complicated from filing a claim to calling them
Product: Credit reporting or other personal consumer reports

The credit bureaus XXXX XXXX 15usc1581 a. Also 15 USC 1681i ( a ) 6 ( B ) 3 and 15 USC 1681i ( a ) ( 5 ) B please remove all from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I'v contact the credit reporting companies several to remove the illegal information, being reported to my credit accounts on the sites, because of them violating my right under the USC laws , and nothing has happen.
Product: Credit card

These are different credit cards accounts open fraudulently and I want to remove them off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting XXXX  date opened XX/XX/2011 in amount of {$410.00} on my credit file. This is not my account.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$81.00} XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX XXXX Balance XXXX {$150.00}
Product: Debt collection

Hello, I have made several phone calls to this agency and I have written and mailed certified/notorized letters regarding this debt with no relief. This debt was for furniture that I paid monthly for and I have my payment receipts to prove payment. It is showing on my credit bureau report as a collection. I have filed disputes with the credit bureaus and again have had no relief with them removing it. I dont know what else I can do to get them to close the collection account and remove it from my credit bureau report. This purchase was in XX/XX/2014. Can you please assist me with my case? Thank you
Product: Credit card or prepaid card

On XX/XX/18, I went to the XXXX  store to purchase a laptop. I asked the XXXX  employee if there were any 0 % interest payment options. The employee advised that I could apply for the Barclaycard Visa with XXXX   Rewards.

I applied for the Barclaycard and when I used the Barclay/XXXX  portal ( XXXX XXXX XXXX  ) to purchase a laptop on my new line of credit it said that there was an error with the page. ( This error continued for the next 3 days ).

Since I needed the laptop the employee said I could purchase on a different card and return it and purchase it back on the Barclaycard. I contacted customer service to re-confirm that this is true. However, I later read the return policy and discovered that there would be a 25 % restocking fee on the {$2400.00} laptop, which was never disclosed by any employees. Since there was an error with the Barclay/XXXX  website and I was unable to purchase a laptop on the Barclaycard I applied for I suspect that many consumers are running into this same problem. I am looking to have this credit application removed since I was unable to use the new line of credit as the XXXX  employee explained would be possible. I contacted Barclay customer service representative on XX/XX/18 and the woman explained that she was not a Credit Bureau agent and could only close the account and could not do anything further.
Product: Credit reporting or other personal consumer reports

XXXX * HAS MY NAME INCORRECT * PREVIOUSLY ADDRESS IS INCORRECT * EMPLOYERS IS INCORRECT XXXX * HAS MY NAME INCORRECT * HAS MY DATE OF BIRTH INCORRECT * HAS MY CURRENT ADDRESS INCORRECT * DOESN'T HAVE MY EMPLOYER XXXX * HAS MY NAME INCORRECT * HAS MY PREVIOUSLY ADDRESS INCORRECT * DOESN'T HAVE MY EMPLOYER
Product: Student loan

In XX/XX/2018 I refinanced my student loans into one. I consolidated about 5 student loans into one loan with XXXX Bank. One of my loans with American Education Services was paid in full and an over payment was due back to me. The amount of the over payment was XXXX. I received the over payments for all the other institutions except this one. I called and ask for information, all I was given was that since a 3rd party paid the loan off the refund was sent to them. I requested additional information, IE where the check was sent to, was it cashed, how me or my account was referenced and what documentation accompanied the check. They stated they would research this for me and get back to me. I received no calls from them and called back. Receive information the check was never cashed and their policy was refund to the 3rd party bank. Again i requested additional information, to be told I would receive a call back. Again, no call every made to me. On XX/XX/XXXX I spoke with XXXX Employee XXXX who told me they would refund the check to me directly and verified my address. It is XX/XX/2018 and i had yet to RECEIVE A REFUND.
Product: Money transfer, virtual currency, or money service

PayPal has a policy of auto-receiving and auto-passing along " bills '' or " invoices '' from phishing/scam/fake billers who claim to be legitimate ( i.e. XXXX, XXXX XXXX, etc. ), onto PayPal consumers/users. I've received XXXX separate " auto forward bills '' from " XXXX '' and " XXXX XXXX '' that claim to be PayPal-linked and that i will be charged for whatever they are showing in the " bill '' in the last XXXX weeks. PayPal has a policy that if the consumer/user doesn't object to the " bill '' by a certain period of time ( usually 2-5 business days ), PayPal will charge the user/consumer digital wallet ( typically a credit card on file, mine is tied to my XXXX XXXX ). See reference : PayPal Invoice Scam XXXX XXXX XXXX XXXX XXXX. I've been trying to close my PayPal account because I figure if I close the account, I should stop getting fake PayPal connected invoices. Because I have an open dispute with XXXX ( XXXX XXXX XXXX around XXXX  and I didn't know it until recently ) and XXXX was tied to my PalPal wallet and someone hacked a hop-point ( Internet of Things devices in my house such a XXXX XXXX ) and ordered XXXX movies using my XXXX account. I closed my XXXX account and change the PayPal digital wallet-linked-card from XXXX XXXX to XXXX XXXX. XXXX recouped my money ( refunded me ) and closed the case then issued me a new card. XXXX said it was my fault because I had a linked device to XXXX ( which I don't recall doing, so I had to disable that ) so told me they were not refunding me. PayPal then just " let things happen '' ( when I discovered the auto-invoicing scam ). It was after I got back from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX so watch and scrutinize all my billing and digital activity ) that I started getting almost twice weekly fake invoices routed to/through PayPal. PayPal has auto-reacted ( each forwarded phish/fake invoice the XXXX  tool PayPal uses auto sends a response telling me the standard XXXX things ), but when I try to get a hold of a real person, I keep getting directed to a chat-bot. When I do get a response from I presume a human, it says " we are still working to resolve the issue '' ( the XXXX XXXX even though XXXX stated they " closed '' the case that occurred in XXXX ). I feel, because of what PayPal is allowing to happen within its own server-network, that it is an unwitting accomplice to criminal phishing and fake invoice scams which can potentially harm those less aware of such activity and that PayPal owes it to its consumers/users to do more to protect them from such scams.
Product: Credit card or prepaid card

I had a Walmart card from SYNCHRONY BANK years ago however the card that they said I had ending in XXXX was never a card that was issued to me from Walmart. The card debt was sold to XXXX XXXX XXXX. I was never notified by Walmart that they sold the debt. I have no problem making a settlement or paying the debt. I need the correct information and also a copy of my application that was filled out by me. They also said I made payments they should be able to tell me what checking account number or bank that was used for payments on the. account or at least the correct account number. I have since been sent to a collection agency entitled XXXX located at XXXX XXXXXXXX XXXX in XXXX XXXX  .The tel # for this company is XXXX. I did have a Walmart account but the card number is not the one that is stated in the documentation. If the Bank made a mistake they should be able to provide me with the correct information. I have requested copies of my Credit Report and the card number that they stated ending in XXXX was never issued to me or on my credit history. They want me to send in and affidavit and a Police Report, I have never said I had any identity issues, I have asked numerous times for the application that was completed by me with my signature and my payment history and all they have submitted to me is a letter stating the last payment received from me was XX/XX/XXXX. That was in the middle of the Pandemic and I know that I did not pay any payment to Walmart at that time. The account was supposedly charged off XX/XX/XXXX. I have no problem with clearing my debt or making arrangements on this debt providing I have correct documentation. I am XXXX XXXX XXXX and on XXXX XXXX. I sincerely hope this can be rectified soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged on to my XXXX credit report and noticed an Inquiry from FNB OMAHA dated XX/XX/2022. 

I do not recognize this inquiry/ company. I did not authorize FNBXXXX OMAHA to pull my XXXX credit report, resulting in an inquiry. 

Please remove this inquiry ASAP. 

Thank you.
Product: Checking or savings account

On XX/XX/XXXX I received a call from Citi Bank asking if I had authorized or had initiated a transaction via XXXX for the amount of {$780.00}. I quickly replied I had not. They advised me that whomever had accessed my account had moved money from my savings account to my checking account Citi Bank sent me a text XX/XX/XXXX at XXXX stating my XXXX transfer had been canceled and reversed for {$780.00} and to allow 24 hours for funds to become available ( ref. # XXXX ). 

I followed up with Citi Bank on XXXX asking for a status on the reversed payment. They advised it would take 3-5 business days. 

On XX/XX/XXXX I went to the XXXX XXXX branch and submitted another status report and update on the funds. They had me file again another request for the funds to be returned. They also had me do a police report which I also completed that same day. 

On XX/XX/XXXX I received a call from the XXXX XXXX branch letting me know that the request was denied because " I had initiated the transfer '' and I would need to go in to escalate the issue. 

I went into the branch on XXXX and made filed another request to escalate the issue and spoke with representative over the phone asking me questions regarding the initial transaction. They advised me this could take up to 30 days to resolve. 

They have now mailed me a letter stating they stand with their decision. That I initiated the transaction and they will not return my {$780.00}. 

I have the proof of when they texted me they would return my {$780.00} and I can provide the necessary records to show proof.
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.

XXXX  Account # XXXX has violated my nghts.

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 intormation Any other adverse item of intormation. other than records of convictions of crimes which antedates the report by more than seven vears.

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 consumer does not consent to. 
Experian-XXXX XXXXXXXX XXXX XXXX XXXX Experian- XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX