23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My account was closed due to an inquiry made on my credit report. I had paid the credit card in full some months and made on time payments other months. My credit card account with Huntington had always been in good standing. There are/were no delinquencies with Huntington on my credit card or former loan accounts ( mortgage or vehicle ).
Product: Debt collection

PennyMac Loan Services LLC has provided misleading information and forms to the consumer to allege this debt is owed to them. 

The consumer never received notice of their right to dispute the debt or request a complete debt validation. 

The consumer never signed an agreement to pay PennyMac Loan Services , LLC, nor has PennyMac ever lent the consumer any funds to complete this transaction. This is a formal request for complete debt validation sent to the company on XX/XX/2023. 

They have 30 days to respond.
Product: Money transfer, virtual currency, or money service

Went to buy a XXXX  sent a down payment to the company via XXXX  as they were showed to be a authorized provider thru chase. After the person dis not show with XXXX  I called chase to have the transaction reversed and was told it's my fault ther refuse to reverse it. Was told it's my fault I fell for a scam. When I brought to their attention they have the person on their platform they acknowledge there is much fraud and I just need to deal with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX  XXXX  for several years in 100 % good standing ( never missed a payment ). During the peak of the pandemic, XXXX offered customers a covid relief program that we can enroll in for 90 days with penalty or impact to our credit report. I enrolled in this program and unfortunately was STILL reported to have 1 late payment in my history from XX/XX/2021. As you can see from my history with XXXX that is the 1st and only reported late payment which was no fault of my own. I contacted XXXX several times about this matter with no resolution. My credit report should be both fair and accurate and this is neither.
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate information regarding a closed XXXX XXXX account I had with XXXX XXXX ( acct # XXXX ). Despite my previous dispute attempts, the information remains incorrect and inconsistent with my recollection of the facts & reports from other credit bureaus. 

I initially disputed this account due to discrepancies in the reporting of late payments, which vary significantly between Equifax, XXXX, and XXXX. These discrepancies include differing dates of late payments and varying counts of late occurrences ( ranging from XXXX to XXXX late payments ), some report 30 days late some are reporting 60 days. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information reported about me is accurate. Given the inconsistencies among the credit bureaus, I am concerned that the information reported by Equifax XXXX not be accurate. This misinformation is adversely affecting my credit rating and preventing me from accessing favorable financial opportunities. 

Furthermore, I understand that Equifax previously said they verified this information upon my initial dispute. However, the discrepancies with other bureaus cast doubt on the accuracy of the information Equifax received or is reporting. 

If Equifax fails to correct this issue promptly, I will have no choice but to pursue legal action to seek appropriate compensation for the damage caused by this inaccurate reporting.
Product: Student loan

Ive written into attorney general office. Navient is forgiving student loans that are private per their settlement with the courts however they are not forgiving and that went for non for profit schools even though XXXX percent of the schools in America that are private are Yes, most private schools in the United States are non-profit. Non-profit private schools are exempt from taxes and focus on education rather than profit Meaning salliemae and Navient gets to get away with the lending abuse caused by the signature student loan the same loan they were told that they could no longer used in XXXX XXXX because they abused lenders in aiding to create permanent unwavering debt .. example my grandmother was approved as a co-signer while on social security that much is in the document they attached they then closed the consumer finance claim stating they could not provide documentation of origination which is his an why a loan is approved .. sand information they have to provide in court not to mention XXXX XXXX XXXX XXXX XXXX  .. in XXXX I was receiving XXXX which theyre aware of in XXXX XXXX and in XXXX XXXX  removal a customs advocate who lacks integrity towards customers is a navient advocate and not for the customer..
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a Conn 's customer service representative in XX/XX/2021 to make a payment and schedule a payment for the XX/XX/2021 due date. The representative did not schedule the payment and I was unaware that the account ran delinquent. When I found out that the XXXX payment was 30 days late going into XXXX, I quickly called the company to remedy the situation and make full payment and payoff of the account. I was told that the 30-day late mark on my credit report would be removed since I never had a 30-day late payment with the company before. I was then told several days later that the company was using their discretion and not removing the late mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled for a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I saw my report I was caught off guard on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these unknown items from my report : XXXX. XXXX, XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX. XXXX   XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write once again to file a complaint against Equifax for their failure to provide ( as required by law ) a free credit report in XXXX. 

This year, the problem is with my sons credit report request. He requested his free annual credit report using the toll free number XXXX XXXX XXXX on XX/XX/XXXX. After allowing the required 15 business days to pass, he called the Equifax support line on XX/XX/XXXX, and was told that his file did not have sufficient data and he should send copies of his social security card and drivers license through the mail so that Equifax could fulfill the request. 

This makes no sense as the other services that provide credit report information ( XXXX and XXXX ) have been providing my son with his annual credit report ( as required by law ) since XXXX without any problems. 

I had a similar problem with my Equifax credit report request in XXXX, when Equifax did not send my requested report. ( Similar to my sons situation, I requested my report on XX/XX/XXXX, using the toll-free number ). Equifaxs excuse for not sending that one was that they never received a request for my credit report. They only sent me my report after I wrote a complaint letter to the CFPB ( complaint number XXXX ) in XX/XX/XXXX. 

This has been a continuous problem with Equifax, as they have failed to fulfill a request for an annual credit report from one or more of my family members each year since XXXX. Ive only complained last year ( and again this year ) since I have noticed that Equifax routinely fails to adhere to the law and fulfill these requests ( while all requests to the other credit report agencies have been fulfilled without any problems ). 

I am again filing a complaint with the hope that the CFPB will ensure that US Law is enforced and that Equifax follows the law to the letter. 

I also believe that the CFPB should investigate the reasons why Equifax seems to have such trouble fulfilling these requests while the other credit report services dont have any issues. 

At the very least I would like to see Equifax issue my son the annual credit report ( as required by law ) that he requested on XX/XX/XXXX.
Product: Credit card or prepaid card

My Citi card was charged {$1.00} in mid XX/XX/2021 and it was determined as fraud. Citi then sent me new card with a new account number that I received at the end of XX/XX/2021 which I activated and have used. Today XX/XX/2021, I received another new card with the old account number on it with a new expiration date. It was sent to my former address, but forwarded to my current address. I called the ( XXXX ) XXXX and explained to the CSR what happened and she told me to cut up the new card with the old number, but could not explain why I was sent the card. I find this behaviour very suspicious and would like an answer from Citi. It is also of note that as soon as fraud was detected on my card, they changed my limit from {$1500.00} to {$440.00} ( which at the time was just pennies over my balance ). The letter that came with the new card with the old number states that my limit is {$1500.00}. When I asked the CSR about this she tried to do a credit limit increase and then stated that she was sorry that she could not perform one at this time because the limit had been decreased within the last six months.
Product: Credit card

On XX/XX/XXXX I was a victim of fraud on my Bank of America credit card for four ( 4 ) purchase transactions made without my consent and neither was made by any of my authorized users at XXXX XXXX # XXXX for {$140.00}, XXXX XXXX XXXX XXXX XXXX XXXX for {$1.00}, XXXX XXXX XXXX for {$100.00} and XXXX # XXXX for {$150.00} for a total of {$410.00}. 

The first claim was automatically initiated by the bank after issuing a fraud alert. After several weeks, I received an alert in my online account that they had not approved the claim and since they did not give an explanation, I decided to call and they told me the reason why it was Denied is because the physical card with the chip was used and the receipt was signed. I requested that they send me that proof because neither I nor any of my authorized users made these purchases, but they denied my request. 

I decided to go to a physical office of the Bank of America and talk to a banker about the case, she told me that I had to send a form, and I explained that I never received anything, so she called, and the case was reopened. But I never received the form that was mentioned to me and again the case was not approved. So, I had to pay for those purchases although neither I nor my authorized users did, in order not to damage my credit history. 

After a few months trying to investigate what other options I had, since the bank never informed me what other steps I should or could take. I saw that I could file a police report, so I went and filed the report on XX/XX/XXXX and the case number is # XXXX. Reiterating that I did not make those purchases and none of my authorized users made those purchases. I also mentioned to the police that these unauthorized purchases happened after I used my physical card at the XXXX XXXX XXXX ( # XXXX ) on XX/XX/XXXX.
Product: Debt collection

I have spoken with someone from Tate & Kirlin who have purchased a debt ilegally. According to 15 USC 1692g they can not sell a debt and no one can purchase a debt and come after you for it. They have violated my rights by buying and selling my information. I have not sign any agreements or enter any contract with this company nor did i give them any of my personal information. I would like a cease and desist on all forms of contact from them.
Product: Credit reporting or other personal consumer reports

I have tried already to multiple times to remind XXXX XXXX the Covid Law in place but they still refuse to remove the late payments, while other credit companies have. 


XXXX XXXX Account Number : # XXXX opened on XX/XX/XXXX Dates in need of correction, XX/XX/XXXX ( 30 Days Late ) XX/XX/XXXX ( 30 Days Late ) I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Inaccurate. According to the Fair Credit Reporting Act, Section 15 U.S.C. 16815-2 ( a ) ( 1 ) ( F ) of the FCRA - you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as " an agreement to defer 1 or more payments or forbear any delinquent amounts ''. 


That being said, [ demand that all late payments reporting late on this account be updated to Paid as agreed, never late, and the account report as current. If you neglect to update this information, I will promptly file a CFPB complaint. I await your reply. Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Product: Money transfer, virtual currency, or money service

They stole my money from my XXXX and I asked them to send me back an adjustment which they did but never allowed me to withdraw my funds
Product: Credit card

Made a purchase for {$28.00} at XXXX using a Sears Citibank credit card. Had not received a bill of any type till I got a letter saying I was overdue. They charged me {$60.00} late fee on a {$28.00} bill that was less than XXXX days old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries. I did not authorize or have any knowledge of such inquiries. I have no dealings with XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX. Nor do I have a account or have applied for anything. 

Capital One : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion today on XX/XX/2023, around XXXX XXXX Pacific time zone. I dialed ( XXXX ) XXXX. I was transferred to the XXXX call-center and a male agent identified as XXXX. I told XXXX I remember him from the last time I spoke with him. I reminded him he purposely disconnected the phone call on me because I wanted to file a complaint about dispute agents deliberately disconnecting the phone call on me. I told him I filed a complaint with the CFPB, FTC and my Attorney General. XXXX then responded by stating : because of the way youre talking, I have to end the call. XXXX hung up on me again. Why did he hang up on me? I never used any profanity. I never made any threats. I have a right as a consumer to complain about dispute agents acting unprofessionally. How many more times is XXXX going to keep hanging up on me and deny me my federal and state right to file a dispute regarding inaccurate information on my TransUnion file? Do I need to file a lawsuit?
Product: Bank account or service

XXXX XXXX Chase has put on my credit report for the past 10 years that I owe them {$9400.00} for a credit card. I have never had a credit card with J.P. Morgan Chase, XXXX, nor any of the other banks that Chase has bought out. I was also XXXX in 2005 and had my identity stolen when I lived in XXXX, Texas. I never received any letters or phone calls from Chase in regards to owing them monies on a credit card that I was never issued! I have tried in vain to contact Chase to have this removed from my credit report but they never respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX ( Acct XXXX XXXX XXXX and XXXX XXXX XXXX Acct # XXXX  ) are All closed accounts reporting on-going negative information after account closure. 
Siting Code 15-USC-1681a2 No written permission given. Also XXXX XXXX v XXXX I presume no alleged debt nor therefore any such debt in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Have a fraudulent account and hard inquiries listed on my XXXX XXXX, XXXX and Experian credit report. The following account and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$130.00}, XXXX XXXX,XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Company verified they received my later on XXXX. Since that time I have phoned several times in regards to XXXX XXXX   accounts. As of yet the company has yet to validate the information on my Credit Report. Per The 15 U.S. Code 1681g - I sent a certified letter to this company requesting information in my record be disclosed to me. It has been over 45 days and I have yet to get a response from this company validating what is on file within the company records. That being true the company must remove matters not validated including inquires and debts. 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe the consumer must remove. I also spoke to a manager who was unable to provide any contract that was signed by me. 8.15.17 The Manager SPAR states the company does not have this information in there records, the manager requested I  contact the company for information that should be stored within the company records. The manage told me it is all handled electronically and they do not have any of that information on file. THIS is a direct violation 15 U.S. Code 1681g mentioned Code for inquires and information on my report. American Jurisprudence 73 AM Our 2d.Section 90-93 companies can't subrogate onto a contract. Please provide a signed contact between the company reported and myself when unable to submit such documents the information must be  removed, this is no contract between the companies and myself.
Product: Mortgage

PHH ( XXXXXXXX XXXX XXXX XXXXXXXX ) acquired my loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I recently requested my private mortgage insurance be cancelled and received letter dated XX/XX/year> which noted 80 % LTV requirement. I paid PHH {$190.00} for the appraisal which is attached. I then received PMI Denial letter dated XX/XX/year> which noted 75 % LTV requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I complained to Experian that my credit score and credit information has not been updated since XX/XX/XXXX. No action has been taken nor have I received notification of any action being taken.
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. 


Personal information : Wrong name Variations ; XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. THE ONLY CORRECT NAME IS XXXX XXXX XXXX Other incorrect personal information are wrong phone numbers ; ( XXXX ) XXXX OTHER WRONG OR INCORRECT PERSONAL INFORMATION ARE the following addresses ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, MA XXXX,. My only correct address is XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

the following accounts are also fraudulent and need to be removed off my credit reports ; XXXXXXXX XXXX XXXXXXXX XXXX # XXXX ( {$450.00} ), XXXX XXXX # XXXX ( {$370.00} ), XXXX XXXX XXXX # XXXX ( {$150.00} ), XXXX  # XXXX ( {$4900.00} ), XXXX XXXX XXXX XXXX  # XXXX ( {$390.00} ), XXXX XXXX XXXX # XXXX XXXX {$530.00} ), XXXX XXXX XXXXXXXX XXXX # XXXX ( {$910.00} ), XXXX XXXX # XXXX ( {$450.00} ), XXXX XXXX XXXX # XXXX ( {$450.00} ), XXXX # XXXX ( {$450.00} ), XXXX # XXXX ( {$210.00} ), XXXX XXXX XXXX ( {$500.00} ), 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: Debt collection

Subject : Your submission, [ Case number :  XXXX  ] infinity response unacceptable.
they admitted that that unlawfully reposed my vehicle and they are in breach of their own contract now they have the audacity to bill me for the vehicle they sold I will be send them a Statement for all my time they are wasting and I expect a payment from them. this is not going to end. Nissan-infinity knows fully well what they have done and it is illegal. An official complaint will be filed in the county in courts.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX need to remove late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I check my credit report and found out that I was added as a authorized user for a navy federal card I never gave anyone no permission to use me as a authorize user. I called Navy Federal and they say that they need the person name to delete it, but I dont have the person name who added me on there account.

So please have them to Delete me off the Navy federal account. 

XXXX XXXX XXXX