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

On XXXX, my XXXX XXXX pulled my credit score with Equifax and gave me the score of XXXX. As a member of MyEquifax, I pulled my credit score and it was XXXX. When I questioned the XXXX XXXX and Equifax, I got the run around. Equifax shows a Vintage 3 model. The XXXX XXXX says they use a different model, but could not provide the name. When I talked to Equifax, I got the same lame excuse. Why do we subscribe to these services if the information they provide is different than what the financial institutions use? In my opinion, it is a method which allows the financial institutions to use a lower credit score in order to charge higher interest rates. On the surface, this appears to fraud.
Product: Consumer Loan

This account was a vehicle loan and was paid in full not charged off. I was XXXX with the XXXX in XX/XX/XXXX until XX/XX/XXXX my pay was cut in half and was unable to pay this account on time. The account was paid in full before and is not a charged off account. Title was sent to me and the vehicle was then sold.
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and I realize that I had damages on my credit report and according to 15 USC 1681 law, there should not be any damage on my credit report, this is a defamation to your character.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I noticed that I had some incorrect address information in my Experian credit report. I wrote Experian a letter asking them to delete the incorrect address information, now I am having to escalate this issue to a formal complaint because Experian refuses to remove the inaccurate addresses from my credit file. The addresses are wrongly reported and they have errors so anything that is reporting incorrectly must be removed according to my FCRA rights. They are in clear violation of these rights because they refuse to remove these incorrect addresses. The other two bureaus XXXX and XXXX have removed the incorrect information as I have asked. Why Can't Experian comply with my rights under FCRA. I will seek legal counsel and sue if these addresses are not removed.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Product: Credit reporting or other personal consumer reports

Back in 2021 I got a divorce where in the divorce decree it states my ex husband is responsible for this account. I am unable to make any payments without being in violation of the decree. I recently noticed that I got a late on my credit for this account and I wasn't even aware this was on my file. Apparently had applied for skip a pay and had submitted the paperwork and there was some miscommunication that caused the skip a pay to not go through. however, in entering in this agreement it cancelled his auto pay which he did not know. I ask that GM Financial please make this right by either removing the account from my file or removing the late as I am unable to make payments and this was an error made by miscommunication. I have attached a copy of the page on my divorce decree
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I was scammed by XXXX XXXX  several times i called reported it and nothing was done by them with credit cards now my credit score is completely ruined and my information is given to all these companies and nothing is being done i tried everything with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted all three credit bureaus ( Experian, XXXX and XXXX ) regarding unauthorized inquiries on my credit report and wrong addresses reporting also. They have not responded or removed the inaccurate information.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on previous disputes concerning numerous negative items that continue to appear on my credit reports across XXXX, XXXX, and Equifax. Upon reviewing my credit reports from each bureau, I have noted several inconsistencies in the reporting of collection accounts, which I do not recall and believe to be inaccurate and unverified.
Product: Checking or savings account

I made a transaction XX/XX/2024. The company I made the transaction with canceled the order. They explained I would receive a full refund in 3 days, to the card I made the purchase with. I called my bank ( BMO ) on Friday XX/XX/2024 due to the funds not being released. They are now insisting that I go to their banking branch to be issued a refund to my card. Today is XX/XX/2024, and there is no resolve. They are still telling my to go to a branch.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 ( XXXX XXXX XXXX ) in XXXX XXXX, FL and XX/XX/2020 ( XXXX XXXX ) in XXXX, FL, I went with my child XXXX ( XXXX XXXX ) and XXXX ( XXXX XXXX ) so they could purchase a car. The intent was for them to do it on their own. However the sales person at each dealership asked if I would consider being a Co-Signer to " increase the chances '' of them getting financed. I was reluctant, but eventually said yes, however I expressed my concern with the negative affect it could have on my Credit. I let both sales men know that I DID NOT want my credit ran several times. Each time, I was assured that there would be minimal impact to my credit as they would only run my credit a few times to determine if I would be able to co-sign if needed. And if the deal does not happen, they will be sure to request to have the Hard Inquires removed from my credit immediately. 
As of this date XX/XX/2020, that has not happened. Each dealership had my credit profile hit more than Several times each. I have 10 inquiry hits from 10 different Lenders that were done by XXXX XXXX. And I have 15 inquiry hits from 15 different Lenders that were done by XXXX XXXX XXXX. That is 25 Hard Inquires that have negatively affected my credit. I am so disappointed by this. Having these Inquires are negatively affecting me in so many different ways. I would like to purchase my very first home and I will not be able to because I am looked upon as a Credit Risk having these Hard Inquires attached to me. I have attempted to reach out to each of the Auto Dealerships. They are refusing to honor what they said they would do. I have expressed to them that this is not fair to the Consumer and it is negatively having an effect on me. But they are not willing to submit a request on my behalf to have them removed from all 3 Credit Bureaus. I spoke to a rep at XXXX and she suggested I file a complaint with the FTC. So here I am. I feel that Auto Dealerships should always honor what they say especially when it comes to impacting a Consumers Credit profile. I feel I was misled and lied to by the Sales Associate at each dealership in order for them to seal the deal. And the fact is, neither of my children purchased a car from either of the dealerships. There has to be some sort of honor and trust when purchasing a vehicle. Even more so when it comes to the financing part. Running a persons credit 15 times is excessive. And wrong.
Product: Debt collection

I cancelled my membership at the XXXX XXXX XXXX months ago, I paid off the remaining month and was told leaving out of there that I had no worries remaining on my account. However, fast forward a few months later and I receive a notification through my credit tracking app that a new account is in collections for {$140.00} and it is pertaining to the membership I had at XXXX  XXXX. I call the local XXXX  and am told I have been sent to collections and that they can not assist me, that I must call the collector. I called XXXX XXXX XXXX and they couldnt even find the information pertaining to my account, it took a floor supervisor 20 minutes to be able to pull up my information from which they could provide no dates or reason on why I owed this money. I received no notification from XXXX  XXXX  about outstanding debt, if I wouldve I would have paid it immediately. I am rather surprised that this would occur, as my relationship with XXXX XXXX had been great up until then now I have a collection account that is unfairly hurting my credit score. I have no answers to why I owe this money if I had cancelled my membership, to why I wasnt contacted about this money in the first place, and to why I am suddenly in collections. I also contacted the billing agency known as XXXX XXXX  XXXX   and they declined to give me anymore information stating that it was already sent to collections. I deserved to be notified first by this billing agency per the FCRA that I owed this money prior to it going to collections, which I was not. This is a disparaging to say the least I don't know how XXXX XXXX XXXX can try to collect a debt that is invalid and not owed in the first place. However, their simple way of continuing to collect the debt is by saying, '' we are only a 3rd party collection agency and have no jurisdiction over the initial process between the debtor and consumer ''. It't unethical for them to behave with these business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT AND HAVING A HARD TIME CLEARING THINGS UP.
Product: Credit card or prepaid card

The company closed my account I had not acknowledgment of the payment being past due. XXXX, XXXX on behalf of XXXX XXXX XXXX XXXX give you the authorization to open this account on behalf of the principal. 
I also accept the principal balance, titles, rights, interest, and equity Owed to XXXX XXXX. 
I hereby instruct Capital one to apply the principal 's balance to the principal 's account for each and every billing cycle for set-off. 
Capital One doesn't have the right to decline the XXXX XXXX because of a XXXX XXXX. 
I also instruct Capital one to communicate in writing within XXXX business days once instructions are completed. 
If instructions are not completed ' I XXXX Capital one to respond in writing within XXXX business days giving reason of non-performance of fiduciary duties. 
If no communication is made within XXXX business days. I XXXX, XXXX on behalf of XXXX XXXX XXXX XXXX that instructions have been completed.
Product: Debt collection

I am in receipt of your companys letter informing me you are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between XXXX XXXX XXXX # XXXX, and myself, XXXX XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. 
This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question. 
Your failure to respond and provide strict proof of contract will constitute your tactic agreement that XXXX XXXX XXXX and XXXX XXXX are not entitled to enforce a claim against me.
Product: Credit card

At the Macys store check out counter, I was asked if I had a Macys card. I said, " I think so, can you look it up with my phone number? '' This happens at many retailers and I give them my phone number. The clerk asked for my driver 's license and told me to follow prompts on the credit card scanner device, which included asking me for my social security number. In the end she said I do n't have an active account ... BUT THEY HAVE MY SOCIAL SECURITY NUMBER.
Product: Debt collection

Back in 2017, I disputed phone charges on two accounts with XXXX XXXX XXXX and reported them to the California Public Utilities Commission. As the result of the complaint I filed, the matter was referred to XXXX XXXX XXXX XXXX President 's Office. After a number of telephone calls with individuals from this office, XXXX XXXX XXXX agreed to discharge the phone charges in its entirety. The charges remaining in the account XXXX also had been discharged by members of the XXXX XXXX XXXX XXXX President 's office. Both of these XXXX XXXX XXXX accounts have been closed and all remaining charges cleared. 

Notwithstanding, XXXX XXXX XXXX has forwarded this discharged amount to several debt collection agencies, who have contacted me via letter and by phone to collect the amount of what originally had been {$31.00}, and without any basis increased to {$45.00}. This " Franklin Collection Service '' has threatened to blackball my otherwise clean credit. 

It would be an easy thing for me to just pay such a small amount to get rid of these annoying and harrassing debt collectors. But I find the incompetence of XXXX XXXX XXXX and the threats of this collection firm extremely offensive, and would like others placed in similar position from myself from similar tactics by filing this complaint.
Product: Credit card

The company Capitol one, raises my minimum balance everytime I pay extra, trying to force me to continue to pay over or late pay. Example if my minimum is {$55.00} and I pay {$60.00}, next month they will raise my minimum to {$59.00}. But if I only have {$55.00} and not {$59.00} I will get penalized. 
I also got no answer or help as to why my interest rate is up to 40 %. Meaning that they STEAL a large sum of money that can help with my debt instead of helping me the extra money goes in their pocket. 
They offer no help despite that I live on a fixed income and I pay on time and pay extra. They give no help at all or care that I am struggling. They won't even offer me 0 % balance transfer card, when I try to sign in with a company that has balance transfer my credit report takes a hit a goes down. Maybe it would be best to not pay at all, I'm XXXX why do I need good credit.
Product: Credit card or prepaid card

There is an issue with the automated phone payment system for Frontier Airlines Business Credit card on XX/XX/2021. The system changed this month where it would not let the owner, employee or administrator make a payment. Given the option to talk to a representative I waited on hold for an hour and when I got the representative she could not find my account. She put me on hold for another 20 minutes to talk to a security advisor and then got dropped. After the fact, I noticed that the last four digits are different on the monthly mailed statement and the actual credit card. The Frontier pay-by-phone number is XXXX. Problem was not resolved and my payment is now late. 
Note : I use the automated phone system for all my payments and never had this issue in the past.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFB ) the document needed and a letter from an advocacy group helping me due to XXXX  XXXX  debt bondage, which falls under XXXX  according to XXXX-debt Final Rule 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the fair Credit reporting Act. I am a victim of XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted company information transunion. please delte the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The XXXX XXXX XXXX continue to call my job after telling them to decease. 
The dates and times are ( XXXX, XXXX XXXX-XXXX,XXXX ), ( XX/XX/20 - XXXX-XXXX,XXXX ), ( XX/XX/20-XXXX-XXXX, XXXX ), ( XX/XX/20-XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX ), ( XX/XX/20, XXXX-XXXX, XXXX.Please cease
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under 15 usc 1681. The accounts below have violated my rigthts 15 u.s.c 1681 section 602 A. States i have the rights to privacy. 15 u.s.c 1681 Section 604 A section 2, It also states a consumer reporting agency canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) 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 Delete the accounw below Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They must be eliminate due to their inaccuracy
Product: Debt collection

On or around XXXX the XXXX or XXXX of XXXX  I was checking my credit report and I seen where I had a new where my credit score had went down from XXXX to XXXX say and I looked on there and it's just collection agency that's on there plaza services and they have put up a collection on me and they hadn't got in touch with me I haven't talked to these people I don't know who they are or nothing or what's going on with it and they've already put it on my credit report they haven't got in touch with me none and I think that's wrong and against the law I got XXXX grandkids I'm raising XXXX and XXXX and I'm XXXX  XXXX and I was trying to borrow money to get to school clothes and school supplies and now I don't I can't get nothing these people has messed me up for not getting in touch with me and I think that's wrong I'm XXXX  I can't sleep I can't eat I barely can't get on here and do this this is the third time I've done tried I can't find my screenshots to put on here but every time I do I get kicked off and I don't get to say what I got wrote but once I get this road I'm going to try to get off of here and go get the screenshots and then I'll get back on here and send them to you but I know it's plasma services that's all I know about these people and I know they're wrong for what they do they did that just to mess me up I can't get on my XXXX account they saying it because I got a dispute going away disputes over I tried to dispute this thing with these people with the plaza services and they said they changed the wording on it that's what XXXX XXXX  said and I don't see nothing changed I'll try to get the screenshots to y'all I'm a nervous wreck I just don't know what to do thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

see attachments! I was deemed not credit worthy when the company accessed my consumer report based of their own company policy also a credit transaction was started with my credit card and I received no benefit which both are against the law. please see attachments!
Product: Credit card

Capital One on cash back shopping offers is taking extraordinary and unreasonable time to issue statement credits for qualifying purchases through Capital One offers
Product: Mortgage

We are trying to refinance our interest only mortgage. This mortgage was obtained in 2007 with XXXX. When the mortgage was originated the house address was incorrect. At closing I told the title company the address was incorrect according to the XXXX XXXX but the title company said they did not care because they did not want to redo all the paperwork. XXXX XXXX XXXX then purchased our mortgage and never changed the address. Nationstar Mortgage Company now owns our loan and although they did make correct the address in their files they refuse to give this information to HARP so we can refinance our Freddie Mac loan. The bank that is willing to refinance our mortgage said Nationstar flat out refused to acknowledge the address change. Yet all the paperwork we received from Nationstar ( i.e., interest statement for tax purchases ) has the corrected address. We also received a notice of a change of address from Nationstar. How do we get Nationstar to cooperate with the bank that is trying to refinance our loan? 
As you can see from the attachments Nationstar acknowledges our address is XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. The original paperwork that XXXX had was XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. This address does not exist.