23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I had XXXX XXXX  to give me an estimate for new flooring. While we were discussing potential payment, I had mentioned wanting to pursue financing if we did business together, and then the sales person started asking me questions like my social, etc. I assumed it was for pre-qualification like I was told, so I answered them. Then when I said I had to think about it, it was only then that I was told he put in an application for Wells Fargo financing. I didnt realize he had applied for a credit card in my name. He also told me I could cancel without any problems if I changed my mind, but I had to sign otherwise it would be a problem for him. So I signed but I canceled the project the next day. They still opened a card in my name and it is now opened on my account and affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries inwhich all are unknown to me. I'm demanding that these fraudulent unauthorized inquiries be removed. 

1. XXXX ( XXXX ) 2. XXXX/XXXX ( XXXX ) 3. XXXX XXXX ( XXXX ) 4. XXXX ( XXXX ) 5. XXXX XXXX ( XXXX ) 6.  Citizens ( XXXX ) 7. XXXX XXXX XXXX ( XXXX ) 8. XXXX XXXX ( XXXX XXXX 9. XXXX XXXX XXXX ) 10. XXXX  XXXX XXXX   XXXX ( XXXX ) 11. XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I would like to follow up regarding the persistent inaccuracies on my credit report, specifically a late open account, despite many attempts to address and rectify this issue. I am seeking your immediate assistance to expedite the correction of this late open account to prevent further adverse effects on my credit history. Despite submitting disputes, the late open account on my credit report persists, causing significant stress and negatively impacting my creditworthiness. I have attached supporting documentation, including payment receipts, account statements, and any other relevant evidence, to substantiate my claim and facilitate a swift resolution. Recognizing the importance of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I urgently request your intervention to expedite the correction of this late open account I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies and that necessary steps are taken to ensure the swift correction of this late open account on my credit report. Timely resolution is crucial, as this situation directly affects my ability to make informed financial decisions. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX Balance Owed : {$450.00}.
Product: Mortgage

Mortgage payment was made to loan care LLC for {$900.00} and payment was debited from my checking account. I provided them with proof of payment from XXXX ( they claimed it was not sufficient proof ) this is the second time since XX/XX/2019 that they have not applied payments I made on time to my mortgage. This reflects negatively on my credit report and they are incredibly difficult to resolve these matters with in a timely manner. The first incident in XX/XX/2019 took me almost 3 month to clear the issue and it reflected negatively on my report till the issue was resolved.
Product: Debt collection

Southwest credit system is trying to collect a debt, i requested the validity of the alleged debt, they havent responded to date. They are harassing me by calling me 3 times a days using different numbers. I am requesting the validation of this debt and cease and desist. I will be sueing Southwest if they dont leave me alone.
Product: Credit card or prepaid card

Synchrony Bank handles several store credit cards, XXXX,  XXXX, XXXX, and others. In a review of my accounts I find that I do not receive the advertised purchase discounts on my purchases. Example ; on my XXXX store card I am to receive a 5 % credit on all purchases, however a review of the account shows XXXX of dollars of purchases so far this year with no credits at all. Over the years I have used this card this has resulted in several hundred dollars of rewards that were never posted or received. This seems to be more than just an accounting error and perhaps should warrant an investigation to determine how far reaching this practice has gone and for how long.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Checking or savings account

My work deposit went into this account and odd reasons they froze my account and told me I have to wait for a letter to come in the mail, letter came with no directions on it but XXXX agent yelling at me telling me that I need to wait on a letter I already have with no guidances.
Product: Mortgage

Loan was closed and XXXX of the XXXX was to be sent by Discover Home loans to pay off my car. As of XX/XX/year> my car loan was not paid they said a check was mailed XX/XX/XXXX with no tracking information attached. They refuse to send another check until they recover the initial XXXX from a party provider which was requested over XXXX business days ago. I was told it would be XXXX business days max. I have been paying interest on the home equity loan and on my car loan on this XXXX for 26 days and now have to make full payments on both loans as well. They will not escalate the problem and will not put me in touch with anyone higher up.
Product: Debt collection

I found out that I had a medical claim against me using my maiden name and an old address from before XX/XX/XXXX. They said I had lab work done on XX/XX/XXXX when I did n't even live in that state, nor have I ever visited their facility in my life. I also was married and XXXX on XXXX that had me XXXX multiple occasions in XXXX. This claim is from XXXX. Not sure if this is identity theft of what but it could not be from me!
Product: Debt collection

VANGUARD FINANCIAL SER Has account on my credit report that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian upload refuses to accept uploaded info ( proof attached ) supplementary information for active dispute in account of XXXX XXXX XXXX XXXX. 
acct will be involved in litigation naming experian
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank is reporting to XXXX an open XXXX balance on a paid off closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I forwarded a letter to Transunion XX/XX/XXXX. I ask to verify compliance with their reporting due to inaccurate items being reported on my credit report. 
Their investigation concluded that the items were factual and remained on my credit report. They also are reporting an address I never resided at and a number of my ex girlfriend on my report. 
The item : XXXX XXXX XXXX # XXXX is being reporting inaccurately stating that it was a charge off in XX/XX/XXXX. It also states that in was included in a bankruptcy XXXX and date closed being XX/XX/XXXX and in remarks that it was purchased by another lender which all contradicts themselves. The pay status, closed date, and remarks are inaccurate. 
The item : XXXX  # XXXX is being reported inaccurately stating that it was closed XX/XX/XXXX. Also this account states in remarks Chapter XXXX bankruptcy in the same year as the above account comes off the report 3 months prior to the account above. Two different Bankruptcies reporting in the same! Dated closed is inaccurate. The pay status states included in bankruptcy as well. The pay status, date closed and remarks are all inaccurate. 
I also included a copy of my letter I sent to Transunion on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my ChexSystems consumer report and found that there was an account closure for XXXXXXXX XXXX which I am providing documents of this alleged account I'm a victim of identity theft to the XXXX breach and I would like that this account be removed off of my consumer file immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX, Md, XXXX XXXX ( XXXX ) XXXX XX/XX/2024 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax Information Services LLC I am writing to request that Equifax block and remove specific fraudulent accounts from my credit report as provided under 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft connected to the recent data breach, which has resulted in unauthorized accounts being opened in my name. 
The accounts I am requesting to be blocked and deleted are : XXXX XXXX - XX/XX/2024 XXXX XXXX XXXX XXXX - XX/XX/2024 XXXX XXXX XXXX - XX/XX/20XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX - XX/XX/2024 XXXX XXXX XXXX - XX/XX/2024 XXXX XXXXXXXX via XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/2024 I have included copies of my identity theft report, identification documents, and any other relevant supporting materials to assist in processing this request. 
I appreciate your prompt attention to this matter and look forward to confirmation of the removal of these fraudulent accounts. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

Capio Collections called and said i owed a medical bill. Took me by surprise ; I have so many med bills and we stay on top of them. I believed them because I've been in the hospital practically more than I've been home and it does get confusing. Ive called all of the hospitals, I typically go to XXXX XXXX XXXX XXXX.and every once in a while XXXX XXXX A bill came from Capio stating I could resolve my XXXX dollar debt by paying {$700.00}. So I made the payment on line. Within 2 days I get a call saying i still owed {$200.00}. I said not right now bc i just sent {$700.00}. Se said they '' d take it out late XX/XX/XXXX but not to worry bc the would call first. Then they take money without calling and went ahead and charged {$280.00}. I called and they kept giving me numbers to call until i finally was given the number for the first person I called. Finally I spoke to a man who said yes XXXX was the correct amount. He said my account was now settled. I said do not ever charge my card again bc I'm not giving you permission.The following day I got a bill for # XXXX. Again, nobody will talk to me. I've called the hospitals and they both said I don't owe them anything. 


i'd be done. She promised to call me
Product: Payday loan, title loan, or personal loan

I have paid off this account in full and on time. It is incorrectly showing as charged off and still owing a balance as well as numerous late payments. This information is incorrect. I have tried to contact the company on multiple occasions to resolve this but have not received a response and have this information has not been corrected on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. The accounts and other objects that do not belong to me or that were opened without my consent are listed here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$420.00} XXXX XXXX, XXXX XXXX Opened XX/XX/XXXX Balance {$3100.00} IXXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 XXXX XXXX XXXX after the date of receipt.
Product: Debt collection

XXXX XX/XX/XXXX I was served summons XXXX. XXXX Weltman , Weinberg & Reis these companies are n't licensed in Pennsylvania checked on sec. states. I did find XXXX XXXX XXXX XXXX Entity Number XXXX. 

Sued By XXXX XX/XX/XXXX through its servicing Agent XXXX. XXXX Weltman , Weinberg & Reis judgment {$6800.00}. Kept paying WW & R until XX/XX/XXXX discovered not Licensed. 

Magisterial District number XX/XX/XXXX XXXX XXXX XXXX docket Number XXXX Plaintiff XXXX Bank through its servicing Agent, XXXX XXXX Weltman , Weinberg & Reis CO. , LPA XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX. Attorney Name XXXX XXXX XXXX Attorney ID XXXX. XXXX XXXX or WW & R Ca n't find on Pennsylvania Sec. StatesOn NMLS Debt Management and Debt Settlement licenses, Found XXXX Bank XXXX XXXX, DE XXXX NMLS I .D XXXX, MLO XXXX does n't specified Debt management or settlement found XXXX Bank License/Registration # : XXXX Mortgage Lender License Weltman , Weinberg & Reis licensed in XXXX XXXX FL. XXXX XXXX XXXX OH. XXXX XXXX XXXX OH., and XXXX for Debt Management or settlement not in Pennsylvania. 

XX/XX/XXXX Checking account Garnished in RE : In the court of common Pleas of XXXX XXXX, Pennsylvania Case XXXX of XXXX Bank through it servicing Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX. attorney XXXX XXXX XXXX PA Attorney ID : XXXX XXXX XXXX XXXX XXXX XXXX was served with a writ of execution and interrogatories to garnish checking account. XXXX XXXX Bank on XXXX charged {$190.00} for legal Fee. 

Hearing on XX/XX/XXXX In the court of Common Pleas XXXX XXXX, Pennsylvania XXXX Bank, Through its service agent XXXX Plaintiff XXXX XXXX XXXX, XXXX PA ID XXXX Attorney vs defendant XXXX XXXX XXXX Civil Action XXXX of 2013. Ca n't find XXXX XXXX XXXX, XXXX or XXXX on Pennsylvania Sec. States. 

I have been lied to for 3 years from this SO Called Law Firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

of the 3 major credit reporting bureaus, I have been unable to get in contact with Experian to fix an error on my credit report. I have tried numerous phone numbers Experian 's website has provided and still there is no option at all for real customer service to help me resolve this issue. If you will check online, you will see that this is a reoccurring issue for everyone else who has tried to reach out to Experian. Experian is purposely making it hard for anyone who wishes to cancel their service, fix an issue because they offer no way for you to talk to anyone at all, only a automated message that gives you two options and if you go outside of those options, it will just hang up on you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed Experian is reporting this account when it's a medical collection ( HIPPA violation and violates the surprise act of 2022 ). The other 2 Credit bureaus deleted the medial collection already. Consumer Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have disputed this account # XXXX for {$570.00} with Experian for more than 6 months and they're ignoring my request to investigate and provide proof ( signature ) that I consent to release my personal information. 
The Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) is a federal law that requires the creation of national standards to protect sensitive patient 's health information from being disclosed without the patient 's consent or knowledge. 
If proof can't be provided I demand that these account be deleted.
Product: Debt collection

The call multiple times a day- i do not know what debt they are attempting to collect as i have received no prior written communication from this company.
Product: Credit reporting

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. " that i have disputed. please resolve this manner as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX  are incorrectly reporting a charge-off in the amount of {$17000.00} on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that l believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Mortgage

Quicken Loans " allows " me to make bi weekly payments, but then states they do not apply them bi weekly to reduce the interest on my loan. This is at the least unethical and deceitful. I want my biweekly payments that they take automatically out of my checking account credited when I make them. My loan was taken out with biweekly payments as part of the conversation with my loan officer so I can pay the loan faster and keep the interest down.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Dear Sir/Madam, I am writing in response to your recent email concerning a hard inquiry complaint I submitted through the Consumer Financial Protection Bureau XXXX CFPB ). Thank you for your communication regarding this matter. 

Upon review, I discovered a hard inquiry on my consumer report dated XX/XX/XXXX, which I was previously unaware of. As such, I formally request that XXXX XXXX  takes the necessary steps to remove this inquiry from my TransUnion XXXX report, in accordance with relevant consumer protection laws, including those established by the Federal Trade Commission ( FTC ) and other applicable statutes. 

Furthermore, I am exercising my right to revoke consent for future contact via email, phone calls, and text messages. I trust that XXXX XXXX  will adhere to consumer protection laws and refrain from contacting me through these channels going forward. 

Please acknowledge receipt of this letter and confirm when the requested actions have been completed. 

Thank you for your attention to this matter. 

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

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. stated 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I was under the impression that I was in a student loan forgiveness program. I paid {$120.00} ( XX/XX/XXXX ) and {$130.00} ( XX/XX/XXXX-XX/XX/XXXX ) to AmeriTech Finanicial ( paid to XXXX in bank statements ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on improving my credit score for the last year. In  XXXX  of   XXXX  , I noticed that all  XXXX  of my credit scores from Equifax,   XXXX   XXXX   XXXX   were at  XXXX . The n one  month later in  XXXX    XXXX  , my credit score at Equifax dropped  XXXX  points  in one da y, for no reason. There were no negative or positive changes that occurred on my reports to reflect such a significant decrease in points. This was confirmed verbally from all   XXXX   bureaus. I contacted Equifax again via phone on  XXXX   XXXX  at  XXXX . I spoke with a person who did not identify herself. I explained the situation, and she advised me that the company where I received my credit scores was reporting false informatio n (   XXXX   XXXX   ). I   asked again why my credit score went down so drastically, and that I needed her to walk me through the process of scoring. She repeated herself, and then advised that I needed to purchase Equifax monthly services to fully understand my credit. She said, " the only way you can get your score or understand why your score changes is to purch ase ( our ) monthly plan. '' I asked for a supervisor, who then repeated what the original person said. I spent two hours r esearching, which included the phone call, and got no information or clarity. There was no explanation of any kind concerning my decrease in points. This agency has my life information including any future success I might have on rebuilding my credit. I am concerned with the handling of any personal information this company has and how they conduct business. It is also disheartening that this company refuses to work for the people, instead against them. I will continue to file complaints until there is change.