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

I thought I wanted the XXXX credit card. I submitted my application. Within a minute I changed my mind. I called XXXXXXXX XXXX XXXX XXXXXXXX to cancel the card. I was told by the employee that my card was canceled and he assured me that a credit check will not happen. To find out on my credit report a hard inquiry was done on XX/XX/2021 the same day I called an canceled. I was told twice by XXXX to call them and ask for a letter, so it will come off of my credit report and twice I called XXXX XXXX XXXXnd they said there was nothing they can do because when I send in the application online even though I wanted to cancel it. They still automatically do a credit check. I tried to explain to them how wrong this was. I said to them " Well since you did my credit report without my permission I might as well just get the card. I was then told by two different people that I would have to do another credit check? Their system doesn't make any sense too me. It is absolutely wrong.
Product: Credit reporting or other personal consumer reports

On my transunion credit file there are 9 hard inquiries on the date of XX/XX/XXXX applying for a auto loan that wasnt made by me. I want them removed from my credit report immediately
Product: Debt collection

XXXX XXXX CON Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$2400.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , Mo  XXXX  no signature and no contract
Product: Credit reporting or other personal consumer reports

I do not have any loans prior to Fall XXXX semester, which is in good standing. My spring XXXX loan is the one that is very messed up. I have XXXX more years of school and interest has been deferred on all student loans until XXXX XXXX ( XXXX months after I am to graduate ). I was not contacted by the provider, XXXX, at all and they did not contact my references. I got an email in XXXX stating that my loan has been transferred to them and welcome. XXXX XXXX they sent me an email stating I can setup my online account. XXXX XXXX they email stating they have been trying to contact me via mail and phone calls ; this is completely false. I never got a single piece of mail from them and not a single phone call. I signed into my account shortly after receiving the email that they haven't been able to contact me and there were no notifications. I verified that all of the information is correct. By XX/XX/XXXX, they have sent a notification to my credit report saying they havent been able to contact me and it dropped my credit score XXXX points. I have contacted both XXXX, sat on hold for hours with no one ever picking up, and Experian twice disputing this credit score update. Experian closed my first dispute stating that they tried to contact XXXX but they havent responded even though its been over a month. The second dispute, they wrote that XXXX was able to get ahold of me. I was the XXXX who contacted both XXXX and Experian, not the other way around. My credit score still hasnt been updated. I went from an excellent credit score with all of the correct marks to poor. No one is fixing it. I have contacted my school, Experian, XXXX, and this agency so far. I will have to get a new or renew my lease for my apartment soon so I need my score to be updated before then.
Product: Credit card or prepaid card

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2019 with a balance of {$8700.00} which I did not make. I have this police report before where I lost my phone where I stored my personal information.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( XX/XX/XXXX, XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I filed a dispute 3 months ago for a transaction double charged. They locked my account with a balance of XXXX now it is at XXXX. For 3 months I've called at least once a week most daily. Offline teams refuses to call and support refuses to give me the contact number for them or the president of the company so I could address it directly myself after 3 months of this hour fight daily with them. I've done and complied with every request they have had as of Wednesday I was hit and destroyed by a hurricane I was actually on the phone with service team and she listened as my home was being destroyed and the fear of us as we thought our lives were ending. I now have nothing left no home no vehicle nothing and I've talked to her since because all never forget that day or the sadness I felt she could listen to my world being ripped.from under me and that voice I'll never forget and still refuses do help me access my money to survive this tragedy. Its sickening to know this company can be so heartless and take from someone who had everything ripped away from them and still.do.nothing to.help.
Product: Credit card or prepaid card

I've been trying to access my debit card information on the online website for my USbank Focus Card since the beginning of XX/XX/2021 ; to view my transaction history and balance information. I have contacted the bank every other week from XXXX to XXXX of this year ; and their customer service just gives me courteous assurances that they are working on an IT problem to " unblock '' access to my account. I have talked to maybe 6 to 8 customer service representatives ; all promising they've escalated my complaint, and they will notify me when fixed. Haven't heard from them since my last call around the 2nd week of XXXX! Every other week it's the same thing. I sign on, I try to bring-up my account, and my access is blocked. I've tried to recreate the account, but I'm blocked. I go through a useless process with the reps that doesn't work. They're always sorry ; but it's always the same excuse. They said they would remove the account off-line ; to allow me to sign-in, and create a new account from scratch. I've tried, and they haven't done anything. The old account just sits there, with my name, and the dots hiding my old secured-password ( Which I've tried to change, and that's what started this mess in the first place ). Meanwhile, I get an error message blocking me from access ; and telling me to call the number on the back of the card. I have ... many times! Yet nothing gets fixed!
Product: Credit card

ATTN : CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam XXXX This correspondence pertains to the application submitted on XX/XX/2024, reference no./application XXXX, for which an adverse action letter was received on XX/XX/2024. Please be informed that the adverse action offer is hereby rejected. It's imperative to note that a credit application is deemed a financial asset ( 12 CFR 360.6 ( 2 ) ), as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Therefore, the adverse action taken is in contravention of the following regulations : 15 U.S.C. 78j, 15 U.S.C 78ff, 15 U.S. C 1691 ( a ) ( 3 ), 18 U.S.C. 241, 18 U.S.C. 242.

For reconsideration, I propose an open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with a maximum allowable as per applicable law ( 15 U.S.C. 1602 ( ) ). The balance will be reset to zero monthly through the special deposit of interest-bearing coupons associated with the itemization statement. It's important to emphasize that this instrument is a non-cash item ( 12 CFR 210.2 ( k ) ).

The final offer provided is non-negotiable, and relief and remedy from default may be achieved through a servicing contract/self-liquidating paper under regulation z for a finance charge. Please note that any refusal to honor this counter-offer must be communicated via written correspondence within Five ( 5 ) calendar/business days from the receipt of this notice. This statement is conspicuously presented ; please do NOT ignore. 

This serves as your opportunity to rectify the situation, as well as your notice of default for the servicing of the credit application. 

For clarification, " You '' pertains to Capital One Financial Corporation and any of its agents, affiliates, subsidiaries, assignees, etc. Please refrain from contacting me through any means other than written correspondence. Failure to comply may result in billing.

Kindly be advised that legal proceedings may be initiated if the terms outlined in this notice are dishonored. 

Remember, notice to the agent is notice to the principal. Notice to the principal is notice to the agent. 

Sincerely, XXXX XXXX This letter was sent by certified mail to the company in question in response to an adverse action sent to my home which broke multiple laws. 
Letter in question was recieved by the company XXXX XXXX XXXX with response. I will be taken legal action at this time against the company as stipulated in my outgoing letter to them.
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 XXXX 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
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. 

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 XXXXXXXX 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: Mortgage

I sold my home in XX/XX/year>. As the loan had been " paid off '', the lender later sent me an escrow refund in XX/XX/year>. In XX/XX/year>, I was notified that there was a lien on the property and was told that I owed XXXX. I was told it was due to a returned payment for a check on XX/XX/year> due to insufficient funds. I pointed out that I had corrected the error and made a payment that had gone through successfully on XX/XX/year>. I was then told that I was credited for both payments when the lender provided the payoff amount to the attorney. I closed on XX/XX/year>. Per the lender, they weren't aware the check was returned until XX/XX/year>. In addition, the supervisor of the mortgage department stated they weren't aware of the negative balance on the amount until XX/XX/year>. I suspect this may have been due to some type of internal audit. Now, they expect me to pay XXXX for a house I no longer live in or have any claim. I feel as though I'm being penalized for the lender 's error.
Product: Debt collection

On XX/XX/2024, I received a letter from a company called Wakefield and Associates based out of XXXX XXXX, CO XXXX that they were attempting to collect a debt of {$550.00} for an account with " XXXX XXXX XXXXXXXX '' as spelled here in all caps. When I went online to the website they provided, I noticed they already made an account for me and it had my SSN attached to it. According to all reviews for this company, they attempt to continuously charge or contact people they target so I attempted to try and verify the debt was real. No one I got in touch with, from the hospital I received treatment from nor that hospital 's billing office could give me any information on the account so I am reporting this company out of concern for the damage they may due to my credit whether I pay this debt they're claiming I owe or not.
Product: Debt collection

I have 17 hard inquiries from different companies that I never applied with. I called the companies but since I dont have an account with them they cant do anything for me but the credit bureau keeps telling me to contact the company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit fraud alert on my 3 credit bureaus. Even with the fraud alert the 3 credit reporting agencies continue to allow my credit to be pulled with out my permission. Credit inquiries count against my credit scores. 95 % of the 50 plus credit pulls are not because i have requested my credit to be pulled.
Product: Credit reporting

Upon reviewing my credit report I found that there are numerous transactions from Credit Agencies loan companies and utility companies that are not mine
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2017 Fraud Department Check into Cash XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I am writing to dispute the following information that your company provided to Check into Cash. 

This item credit inquiry on credit reports is fraudulent because my identity was stolen and i did not authorize my credit to be ran. I am requesting that Check into Cash have the item ( s ) removed. 

Enclosed are copies of the identity theft police report supporting my position. Please re investigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. 

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

I have asked that this information be removed from my credit report and so has the Collections Company. The information is still listed on my credit report and I inquired again and the collections company sent another letter saying they're deleting the information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In mid XXXX XXXX, I filed a written dispute with TransUnion, XXXX, and XXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt collectors verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt collectors or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.
Product: Credit card

Ordered eye glasses from XXXX, supplied Doctors XXXX  Received glasses from Marvel but eye glasses did not match prescription.  Returned glasses for refund.  Marvel offers 365 day refund guarantee which they refused to honor so I disputed charge with Chase cardmember services.  Chase must be in conspiring with Marvel as Chase refused to honor the dispute, in violation of the Fair Credit Billing Act, and also refused to investigate the claim against XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For some time I have tried to resolve my issues with Equifax, I sent their company a Cease and Desist on XX/XX/2023 to stop reporting unverified accounts on my Consumer Report. XXXX has stated that no institution can share a consumer nonpublic information to a third party without consent : Pursuant 15 U.S.C 6802 without consent is " Identity Theft '' XXXX has also stated that a Consumer Report does not include <report containing information solely as to transactions or experiences between the consumer and the person making the report ; Pursuant 15 U.S.C 1681a ( 2 ) ( a ) ( i ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. Pursuant 15 U.S.C 1681i I also have proof Equifax took more than 30 days to handle a proper investigation. 

( XXXX ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or seller
Product: Credit card or prepaid card

I receive email notification that my new VISA card, ( a replacement card ) had been charged {$350.00} by merchant, ( XXXX XXXX on or around XX/XX/22 without my knowledge or approval. 

I contacted BOA to determine how XXXX was able to obtain my new credit card information as it was not on file with the merchant and their response was ; the information was obtained through the " Account Updater Program '' something I knew nothing about. 

I then requested that the " Account Updater Program '' be disabled for my credit card and BOA said that this was a service offered by Visa and I'd have to contact them in order to disable service.

I then contacted VISA to have " Account Updater Program '' disabled and they said that was not possible. I'm not sure how this is legal but it would seem that the merchant has more control over my credit card information than I do and this is totally unacceptable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} ALL OF THESE COMPANIES ABOVE HAVE FALSELY TRIED TO GET MONEY OUT OF ME FOR THESE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated that my accounts were investigated properly but how is that true but how is that correct when the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. I also am not liable for any debt and do not have contracts with collection agencies that are included in my accounts. Accounts include : XXXX XXXX Secured loan with account # XXXX XXXX Lease with account # XXXXXXXX XXXXXXXX XXXX loan with account # XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX  with account # XXXX XXXX XXXX  with account # XXXX XXXX, XXXX with account # XXXX XXXX XXXXXXXX with account # XXXXXXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX XXXX XXXX  with account # XXXX The grounds for removal from my credit report involves the following rights that were violated : 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Of which it states that a person shall not furnish information relating to a consumer to any consumer reporting agency.