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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX  XXXX {$7700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX  XXXX XXXX **************** - XX/XX/XXXX XXXX XXXX  XXXX XXXX - 03/15 15 U.S.C, 1681section 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 an 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 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

Can not lift an Equifax credit freeze online. This is because I can not log into Equifax XXXX to make temporary lift of credit freeze. For months has given error, " We are temporarily unable to complete this request. '' whenever I either try to log in. Have also tried to reset the account and I get the same error. 

I was able to lift the freeze via a phone call, but they are only open limited hours, which do not overlap my availability. I asked them to make my account work again, and nothing happened, so I still can not lift it again.
Product: Credit card

On XXXX, I purchased XXXX tickets to a local event through XXXX using my Discover Card. The event was scheduled for XXXX The total amount charged was {$260.00}. Initially, I had trouble with XXXX because they didn't send the tickets when they were supposed to. I spoke with the creator of the event and he sent me the tickets. Then, just XXXX  days before the XXXX, the event was canceled. I reached out to the event creator and he confirmed it was canceled and told me I would be getting a full refund. I waited several days and still hadn't received the refund. So I reach out again, to the venue, to the creator, to XXXX and finally to Discover. I started a dispute for the charge and was initially given a credit. then on XXXX I received an notice that the vendor provided new evidence stating I did receive services and never requested a refund. Both of these statements were outright LIES. I had uploaded PROOF that I had been in contact, that they admitted they canceled the event and that I was to receive a refund. I showed enough proof in writing that should have been a very straightforward case. Yet, I was charged the money and the case was closed. Discover grossly mishandled this dispute. So I called in to have the case reopened, and was promised that it would be re-opened and was confirmed that there was clearly enough evidence submitted to prove my case. If Discover had done ANY due diligence they would have seen that XXXX XXXX is publicly reviewed as a scam company. If they had read my submitted documentation, there would have been no question about my honestly and their lies. So the person that promised a re-evaluation and a new credit, then promptly closed the dispute as soon as I got off the phone. I called back AGAIN, to speak with someone else- who also said they could see that I had proven my case and should have the dispute reopened and should get a credit. then I was put on hold for more than XXXX minutes and they never returned to the phone line. I called a XXXX time and got transferred to various people until finally getting a " supervisor '' who turned out to be in customer service - not billing... They transferred me to another person that transferred me to Billing XXXX XXXX. XXXX then told me that she can clearly see that someone in their billing department made a mistake and accidentally closed the case which is now permanent. she admitted that they were at fault and said she was going to make notations on my account in the " hopes '' that someone will review it - eventually, but no idea when, or if that will actually happen - and if they do, maybe they will do the right thing and credit me the {$260.00} I am out. I have been scammed, I performed my due diligence to my credit card company - who I trusted to do the right thing - and then I was mistreated by them due to their own internal failures. I am not going to let this drop and I will keep going to any forum that will listen to keep other people from having to go through this. Where is the consumer protection that they promised?!
Product: Credit card

I would like to provide some additional context for clarity. I am currently serving on XXXX XXXX in the military and am stationed in the XXXX XXXX area. I relocated to this region on XX/XX/year>, from XXXX, XXXX. Prior to my departure from XXXX, I shipped several packages via XXXX to my address in XXXX. I successfully received all but one of these packages before the following incident occurred. 

On XX/XX/year>, I was approved for a Bank of America XXXX XXXX XXXX credit card, which I received in the mail a few days later. On XX/XX/year>, I received a text message ( Item # XXXX ) that appeared to be from XXXX, indicating that my package had arrived at a warehouse but could not be delivered due to an incomplete address. The message included a link and stated that I needed to pay XXXX cents to reissue the delivery. Given that I was expecting a package from XXXX and the nominal fee seemed reasonable, I proceeded with the payment, especially since the website closely resembled the official XXXX site. 

Shortly after making the XXXX payment, I received an alert from Bank of America XXXX XXXX # XXXX ) regarding potential fraud. I quickly logged into my Bank of America account and discovered multiple unauthorized charges, totaling {$3000.00}. I immediately disputed these charges and contacted Bank of America to verify their fraudulent nature, all within XXXX minutes of receiving the initial scam text. 

Bank of America canceled my card and issued a new one, assuring me that I would not be liable for the fraudulent charges, as they had been detected in a timely manner. However, as time passed, the charges remained on my account balance. Upon following up with Bank of America, I was instructed to submit another claim to the fraud department. I complied, but several weeks later, I received a letter informing me that my claim had been denied. When I called for clarification, I was informed that the company did not find my claims credible. 

I subsequently submitted another dispute, but a month later, I received yet another denial letter. Seeking further assistance, I visited a Bank of America branch, where I spoke with a representative about my situation. She took my claim, contacted someone from the fraud department, and assisted me in submitting a third claim. Unfortunately, I did not receive any further correspondence regarding this claim. During my visit, I presented the specialist with all text messages from the scammer, and she was able to see the associated charges. 

Thank you for your assistance in this matter and I hope we can come to a resolution.
Product: Credit card or prepaid card

Capital One acted in bad faith when we were attempting to negotiate an agreement to pay off a bill that had become seriously past due after a major theft drained our cash. 

Here is the sequence of events : 1 ) I called the phone number thats shown on the web site for making payment arrangements. I spoke with an agent named XXXX about our situation, and mentioned that our primary concern was to make arrangements that allowed us to preserve as much cash flow as possible so that we could begin replenishing the cash reserves that had been wiped out by the crisis. I was also up front with Will from the beginning of the call that I was only calling for information about the options and that I would not be able to make a commitment until I had the complete picture from all of our creditors, so that we did not overcommit to anyone. 

2 ) XXXX said that Capital One would accept a long term payment plan that would cap the interest at a rate of 7.9 % for a payment of approx. {$350.00} over 60 months. The card would be cancelled, but that was an acceptable trade-off for us. 

3 ) During this call, XXXX did not say anything about this being a one-time offer that I had to accept immediately or that there was, in fact, any formal offer on the table to accept or reject. I took away from the conversation that this was something we would be able to arrange when we were ready. We had similar information from other credit card companies, so the offer made sense. 

4 ) After reviewing the full situation with my assistant and my partner, we decided that the long term plans we were being offered were the best solution, and I called Capital One back, thinking that this would be a short, easy phone call. Thats when things started to go awry. 

5 ) I made my 2nd call. The 2nd person said that the offer XXXX had made was not available. To her credit, she recognized immediately that something had gone wrong and put me through to a supervisor before I requested it. 

6 ) The interaction with the supervisor was a different story. She tried to explain, over and over, that the offer XXXX had made was something that Id needed to accept immediately which was not what XXXX had said. She basically said that there was nothing she could do. She put me on hold to talk to a supervisor and then came back to say again that there was nothing that could be done. 

7 ) She gave me no options except to call back, in the hope that the system would reset itself and Id be able to get the offer, or a similar one again or to see about working with XXXX XXXXXXXX XXXX 

I have been unable to reach anyone at Capital One who has the authority to resolve this problem directly. I do n't blame the supervisor ; I think Capital One 's systems set her up to fail, by not giving her any options or even the ability to put me through to someone who did have the authority to take action. 

We are concerned because the account is seriously past due, we want to resolve it, and yet Capital One 's systems seem to have broken down so that we can not.
Product: Credit reporting or other personal consumer reports

I reported a dispute to the credit bureau regarding information errors reported by the company XXXX XXXX. I took a loan out XXXX XXXX I was on time with all my payments until XXXX XXXX when I ended up in a financial situation. I had a few more months of payments left with XXXX XXXX. I ended up consolidating my bills and lending club agreed to a settlement amount on XXXX XXXX, XXXX in the amount of {$1400.00}. The agreed settlement amount was paid off XXXX XXXX and account should have been closed after last settlement payment. XXXX XXXX is reporting to the credit bureaus that account is closed XX/XX/XXXX with a balance of {$1900.00}. They agreed to a settlement and got paid the agreed amount but continue to attack my credit with the credit bureaus and is reporting inaccurate information. All other accounts I had settlements with during that period reported accounts as paid, date closed which was last day of settlement payment and in remarks section reported paid profit loss, settled for less than full balance. XXXX XXXX is reporting the account as derogatory XX/XX/XXXX which is when settlement should have been completed. Its causing great impact on my credit and I need them to report the accurate information as they had agreed to the settlement. My account was greatly impacted by TransUnion credit bureau.
Product: Credit card

Bank of America credit card I made my payment due on XXXX. I had trouble using the website to make the payment all day long. Finally at XXXX -- past my cutoff time, I was able to get in to make the {$35.00} payment and I immediately received a message that my payment was submitted and I received a confirmation #, which I took a screenshot of. When I went back to the website on XXXX to make a payment on another BOA acct, I saw that the payment made on XXXX was canceled and I was charged a late fee. I called Customer Service and they said they couldn't find any payment. I told them I had a confirmation # and the woman put me on hold. When she came back, she told the payment was rejected by my bank and that the conf # I received was from my bank -- which makes no sense at all. They refused to accept the conf # and told me it was my bank 's fault and they can not refund the late fee. I have NEVER paid my bill late ever! I called my bank who said BOA is full of it- my bank never even received an auth request of any kind- the conf # was not from them and they did not reject anything. I am very angry! What is the point of a conf # if it means nothing? Additionally, the woman I spoke to on XXXX was supposed to resubmit the payment and didn't. I had to do it today.
Product: Debt collection

Nation Credit Systems, INC is not registered nor has a license in the state of Florida where I reside to collect any debt in Florida. Please see attachments of this companys current active license/registrations. Florida is not listed. I will also be submitting a complaint with my state attorney general and the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my consumer credit reports from Experian and XXXX, there is a auto loan from XXXX XXXX XXXX XXXX account # XXXX ... .opened XX/XX/2017. 
The problem is that the account list Terms of 84 months and the contract shows XXXX  months for the term of the loan and the contract also shows a purchase price of {$26000.00} and the account listed on the credit report shows a purchase price of {$24000.00} The account is not listed correct on the credit report, and the FCRA does state that everything on a consumer credit report must be 100 % accurate. I have tried to get the account corrected or deleted from the report for this violation, but the XXXX and Experian CRAs just says the account comes back as verified but they do not say how they did the investigation on the account. This is a clear violation of my rights and would like to have this situation solved. Also the account shows XXXX late payments and they never could prove to me that there was ever a late payment on the whole account. Both CRAs have a copy of the contract with this account proving everything I have tried to get corrected on the account. XXXX deleted the account for not reporting correct.
Product: Credit reporting or other personal consumer reports

The response from the credit reporting agencies indicates that the accounts were verified and updated. However, my credit report continues to show several inaccuracies.

According to 15 U.S.C 1681i ( 7 ) regarding the Method of Verification, I am entitled to a clear explanation of the verification process your agency utilized. I am requesting a comprehensive account of each step taken to confirm the accuracy of these disputed items. 

Even with these investigations, my credit report still displays errors. I request the immediate removal of these inaccuracies from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I disagree with the account listed below which still appears on my credit report, even after your investigation.I would like this item immediately re-investigated.The inaccuracies are highly injurious to my credit score ACCOUNT NAME Account name XXXX Account number XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.Please send me an updated copy of my credit report after your reinvestigation. Account name XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to TransUnion requesting that they provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. TransUnion have fail to honor my request.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX Name of Creditor collection agency : FMS Financial Solution XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX RE : Acct # XXXX To Whom It MAY Concern : On XX/XX/XXXX, I wrote to you requesting validation and an investigation into items that I believed were inaccurate. To date, I have not received any such validation. In my previous request directly to you, I listed my reasons for disputing the information and requested validation. 
Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please note that on XX/XX/XXXX the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. 
Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities. 
Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. 
Sincerely, XXXX XXXX
Product: Credit card

XXXX/XXXX XXXX recently changed to XXXX so new cards were issued to users. I attempted to call XXXX to get back statements from 2015 in order to do taxes ( I keep all business expenses on that card ). They told me I had to get that info from XXXX. I contacted XXXX and they said they had to request the info from XXXX and it would take 14 business days, which is unacceptable when just a week ago all this information was available online. Both companies are being difficult to work with and are unwilling to get me MY statements in a timely fashion. I have no recourse as the little guy dealing with XXXX giant companies and they are not giving me fair, timely information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor reporting false information on all 3 credit reporting agencies creditor Trident Asset Management and original creditor XXXX XXXX XXXX reporting on my credit reports that account was opened XX/XX/2022 this information is falsified I would like an investigation into this matter.
Product: Credit reporting or other personal consumer reports

As I was going over my credit report I have noticed that there are a few accounts that I do not RECOGNIZE