23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account My social security number has been compromised from the social security breach that occured in XXXX  access to the XXXX XXXX XXXX XXXX XXXX Thank you for prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've tried to put a security freeze with Equifax online for the past week. The system tells me it ca n't process my request online and asks me to send in IN THE MAIL the information I have just typed in the form online : " Additional Information Required We 're sorry ... we can not process your online request concerning an Equifax security freeze. To assist us in processing your request please submit in writing the required items outlined below. 
For all security freeze requests please submit the following ID information : your complete name including any suffix ( e.g. Jr., Sr., etc. ), complete address, Social Security number and date of birth. '' I refuse to send such personal information in the mail to Equifax. It just does n't make any sense. I have called their customer service and someone who was not able to help me took down my information and said someone would be calling within 48h. I have not heard from anyone. 
I do n't understand why it was so easy to place a security freeze online with XXXX  and XXXX, and it 's such a hassle with Equifax especially given that it 's their fault we have to deal with all this right now.
Product: Debt collection

The account has been settled, and there is no outstanding balance, yet your bureau continues to report late payments, which is not only misleading but also damaging to my creditworthiness. I insist that you promptly remove the inaccurate late payment information from my credit report and update the account status to accurately reflect its closed and paid status. 
XXXX XXXX  XXXX -PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand an immediate and thorough investigation into this matter to rectify the inaccuracies on my credit report. It is unacceptable that your bureau is failing to reflect the true status of this account, especially when other credit bureaus have successfully updated their reports in accordance with the accurate information provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX and XXXX have been reporting negative information on my credit report for months. In addition to unauthorized inquiries from XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. Please delete these inquiries 15 U.S. Code 1681c-2 a states that 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

EXPERIAN KEEPS LISTING CO ON MY CREDIT REPORT. A CHARGE-OFF IS A MAJOR DELINQUENCY. A CLOSED ACCOUNT PAYMENT STATUS CAN NOT REMAIN IN LATE STATUS. THATS EQUIVALENT TO REPORTING AS 'CLOSED/60 DAYS LATE'.IF ITS CLOSED, THEN THE PAYMENT STATUS CAN NOT BE 60 DAYS LATE OR ANY OTHER FORM OF DELINQUENCY. NO PAYMENTS ARE DUE ON A CLOSED ACCOUNT.

THE ACCOUNT IS THE ONLY INFORMATION THAT SHOULD BE REPORTING AS A CHARGE- OFF NOT THE PAYMENT STATUS WHICH IS A SEPARATE FIELD ON THE CREDIT REPORT.

Experian glossary of account conditions and payment status does not list anything in the payment status for CO month after month the account must cls out.

The payment status is inaccurate the account can not remain in charge-off status month after month, the account can only charge-off one time in the payment status then the account must report cls in the payment status on a closed account by the grantor.

The account was closed by the grantor and should not have any current updates in the payment status the account has been closed since XX/XX/2019 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a XXXX XXXX, XXXX appointment with XXXX XXXX in XXXX Illinois XX/XX/year>. The representative presented a bill for the services rendered that day, tooth brush, and mouth guard and future follow-up care. I opted out of the toothbrush, mouthguard and future appointments and paid for the services in full to that date. I told her I was not coming back and confirmed I was paid to date. 
However, I still got reminder calls for appointments I never set and continue to get a {$350.00} bill for services that I never received. I called to speak with this representative and she hung up on me.
Product: Credit card or prepaid card

In XX/XX/XXXX/XX/XX/XXXX, my husband and I received promotions for Discover credit cards that offered " 5 % cash back on everything ''. We quickly applied and were approved. ( I believe I even called Discover to confirm it was 5 % cash back on everything ). In XX/XX/XXXX, we began using our Discover cards for ALL our purchases, expecting 5 % cash back, but I called Discover today and we are only getting 5 % on certain categories of products, with a ceiling on how much cash back we can receive, and only for this XX/XX/XXXX, and were getting 1 % cash back on everything else. 

On XX/XX/XXXX and XX/XX/XXXX, I received emails telling me to " activate 5 % cash back '', which was a quarterly program on certain categories of products ( groceries, gas, etc. ). We should've already had 5 % cash back on everything, so I thought this was an additional bonus and I activated it. I suspect that when I activated this, the original cashback reward program we were enrolled in changed, because nothing in the original offer ( a ) put any limitations on cash back purchase categories or ( b ) put a timeframe ( quarterly ) on the offer or ( c ) mentioned we would receive 1 % cashback on everything else. 

A Supervisor named XXXX at Discover in OH ( XXXX ) told me today " if I had the original offer they could adjust my account. '' Unfortunately, I don't have the original offer code, but I've asked them to have their " applications team '' look up our original applications with the specific " offer code '' they gave us, which would prove the details of their original offer. Unfortunately, they are in complete control of the outcome of this investigation -- because they ( a ) are the only ones who have the offer code ( I mean, who saves those? ) and ( b ) they can say whatever they want about what the details of the original offer were. 

Until we got our Discover cards, we had been using a credit card that offered 3 % on everything. We would never have knowingly switched to a card that only offered 1 % on everything and 5 % just on certain categories of purchases, only for one quarter, and with a limit on how much cash back we could receive. 

In the first 5 months that weve been Discover cardholders, weve spent at least {$13000.00} on one of the cards, so we were expecting about {$650.00} ( 5 % ) cash back. Weve received {$160.00} so far. Thats about {$500.00} that we were expecting but wont get. 

I was misled, and Im not sure how to prove it to you now. Who saves credit card offers they receive in the mail? I believe that Discover assumes that people do not receive those mailed promotional offers and takes advantage of peoples innocence to later bait and switch the rewards program they offer you when they see just how much cashback youd be eligible for under the original offer. 

Well see the outcome of their investigation, but I dont trust them anymore.
Product: Credit reporting

RE : Unauthorized credit inquiry While checking my personal credit report, which I acquired from Equifax noticed several inquiries made by XXXX XXXX. ( XXXX XXXX, XXXX XXXX and XXXX XXXX 2016 ) I have not authorized anyone to make an inquiry Therefore, I request that you remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. This was an attempt to obtain services fraudulently. I have a credit alert attached to my file and was not notified Sincerely, XXXX XXXX SS # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian continue to report this account incorrectly. The account has been paid in full and discharged. Per the IRS this is now considered a certificate of indebtedness and is income. Income can not be reported. 

XXXX XXXX agreed in their terms and conditions agreed not to release my non public information to non affiliates. Experian is not an affiliate of XXXX XXXX and is not the credit bureau. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports. Experian is a private owned company does furnish reports based on profit. 

Experian does not have my written consent to furnish ANY of my financial history with XXXX XXXX. 

XXXX  XXXX is required to refund any balance due back to me within 7 days. I am requesting my payment be sent immediately. 

This account is listed multiple times on my consumer report with the same account number with my financial history attached. You can not have the same acount number for multiple accounts.
Product: Debt collection

You have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
15 U.S. Code 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed chapter XXXX in XX/XX/XXXX. Unbeknownst to me at the time, I was not required to make any student loan payments outside of my bankruptcy as it was not included in my schedules. I was in school at the time of filing so was not required to pay. I became delinquent in XX/XX/XXXX, but again I should have not been in a repayment status due to the chapter XXXX. I have contacted XXXX 3 times in regards to this matter and they reply that I applied for forbearance after the delinquency, ignoring the fact that I should not have been in repayment at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 After trying to dispute a credit card by XXXX XXXX that was in my name in the amount of {$1200.00} with Experian, they decided the information was correct even though I have never owned a credit card with XXXX XXXX on my report. 

My address that I use is incorrect, and I have never signed any agreement allowing XXXX XXXX to open a credit card in my name. 

When attempting to reach out to Experian over the phone ( which is what they require ), it is impossible to speak to a human to add details to my dispute and go over the fraudulent information. Now due to a result of incorrect reporting, XXXX XXXX is consistently damaging my credit, therefore rendering me unable to rent an apartment in my city. 

I have worked extremely hard to keep good standing credit, and prevent fraud in my name which has happened in the past. XXXX XXXX is known for having shady business practices, and unsecure/unfair credit reporting which is why I have never chosen to bank with them. 

Attempting to speak with someone from XXXX XXXX who is competent or speaks any fluent XXXX is impossible, and they are immediately unwilling to assist without certain information that I do not have knowledge of. 

I would like to hold Experian responsible for the damages occurred as well as XXXX XXXX. If the report is not fixed in the future, I will be taking legal action to clear my name so I can freely rent and apartment in my city.
Product: Credit reporting or other personal consumer reports

hard inquires that I did not authorized : XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed a copy of my Transunion credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.
Product: Debt collection

BANK OF AMERICA seeks to collect a debt that is barred by the California Statute of Limitations. No judgment or debt has been filed or had by BOA against me.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexus is reporting a bankruptcy on my credit report. Because they are reporting that XXXX has stated that the information is verified. I have contacted the company and stated that i would like to know whom did they speak to and what documentation do they have to support that I am in a bankruptcy and they could not. They stated that they will dispute the information. I stated that i would like all documentation for this dispute, the person they spoke with or documents that is given. I also explained that i reached out to the bankruptcy courts and spoke with a clerk who informed me that they do not verify bankruptcy information with no credits. So Im confused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  and credit cards for military and veterans says i was late making payments. I was in XXXX I had auotomatic payment and money was taken out of account. Right now they have said they are taking them iff but it has been a year. I am tired if companies that lie through there teeth. All is somebody needs to do is get credit report that shows not if paid or not but the credit reports that show money amount. I payed XXXX in XXXX and then they say i missed paymemt in XXXX. I havent missed a payment in 30 yearscwith any credit cards. Also XXXX XXXXXXXX says in XXXX i was late ine day on the last 3 payments. I can rememner what happened like yesterday but it would take 2 pages. I had automatic payments with them too. Why would you pay paymentdms on timevfor 69 months then all of a sudden with no changes on life or job make paymebt late one day. I was in military and got paid on XXXX. The only thing that happens is there is 31 days in some months. I called them and asked why credit score webt down after i paid my car off with every payment in time. They are finance company and they made reason up why my score went down. It went down because i didnt have different credit types. They didnt know it and i took classes on credit. They made the late payments up because they dont give their own finance team credit reporting classes. 

I want legal dovumentstion from XXXX XXXX and bank from FAIR CREDIT REPORTING AGENCY SECTION 604, 605, 609 AND 611.  To show you that I didnt make payments late. I was in XXXX and thank XXXX i had automatic payments. These companies are triffling because i wrote bith of them and all 3 credit agencies for FCRA SEC 604 605 609 611. NOT ONE OF ALL THOSE SENT ME THE LEGAL DOCUMENTATION SHOWING ME THAT THEY ARE CORRECT. I KNOW I AM CORRECT BUT IF YOU GET IN FIGHT WITH BIG COMPANIES THEY SEEM TO NEVER BECOME WRONG. BUT THEM NOT SENDING ME 604 605 609 and 611 they have to takev9ff credit reportvand they havent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite 2 prior complaints filed with this agency, Equifax continues to NOT include XXXX XXXX XXXX XXXX 25-year-old account on my credit report that has resulted in the inaccurate reporting of my credit file causing me to be denied credit. XXXX XXXX XXXX XXXX in their explanation stated that they report to all 3 bureaus monthly. XXXX, XXXX, AND EQUIFAX monthly. But None of them except, XXXX   seems to have this account listed. Union states that upon their inquiry to Equifax, they were told them that due to the account being suppressed, it was not showing but NOW it has been fixed. And, the problem NOW is with my last name. The last name issue was fixed directly with XXXX XXXX XXXX XXXX still, Equifax continues to not report this account. Now, I have been denied credit based on having a " Limited CREDIT HISTORY '' because the information being reported by Equifax is incorrect.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I settled with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and Paid the settlement amount of {$950.00} which brought the account balance to {$0.00}. However, on my credit report it is reporting in a collections status. The agreement with the creditor was that if I agreed to settle for the said amount above once paid it will report on my credit report as a Closed/Paid account with a {$0.00} balance reported. Due to the inaccurate reporting on my credit report is causing me to get denied a place to live. This reporting is telling the companies that run my credit report that I still owe the Community that I paid the debt off with. The credit bureau is in violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Can you please look into this matter.
Product: Credit reporting or other personal consumer reports

My identity was compromised across multiple financial institutions, including the IRS. I promptly contacted the credit bureaus to dispute and remove the fraudulent negative items that have impacted my credit report. However, despite my efforts, I have yet to see any corrective action from XXXX, XXXX, or Equifax. 

The issues began in XX/XX/year>, when I attempted to file my extended tax return and was informed that it had already been submitted fraudulently. Shortly thereafter, I discovered unauthorized activity in one of my bank accounts, resulting in missing funds. The ongoing effort to clear my name has caused significant hardship. 

In addition, creditors with whom I have never conducted business have started appearing on my credit report, further damaging my financial standing. I am seeking the Consumer Financial Protection Bureaus ( CFPB ) assistance in ensuring that the credit bureaus remove these erroneous and derogatory entries from my credit report.
Product: Credit reporting

XX/XX/XXXX I wrote to TransUnion to complain that they were inaccurately reporting the age of my credit history, specifically the age of my XXXX XXXX credit card account XXXX formerly an XXXX Bank XXXX account until XXXX bought Bank XXXX ). I received a response today which addressed only the history of my XXXX XXXX account, which was not in dispute. I then called TransUnion to try to provide additional information, specifically that I could prove that the XXXX credit account had been open for at least 11 years, and probably longer. ( I am waiting for verification from XXXX as to the exact date, but I have statements dating back to XX/XX/XXXX ) I spoke to a customer service representative named XXXX, who told me that while I had had several XXXX accounts over the years, each XXXX had been closed at my request. I told him that that information was incorrect, and reiterated what I had written earlier : '' The problem appears to originate with the fact that XXXX assigns a new account number at least every three years. XXXX XXXX probably does as well. In recent years, new XXXX account numbers have been assigned with even more frequency after hacking breaches were discovered at stores such as Target and Home Depot. I have no control over such account number reassignments, but it has always been the same account. 
I realize that this request may be of little importance to TransUnion. But I am annoyed by the fact that, after a lifetime of prudent financial management, my credit score is n't perfect. Would you please, therefore, take steps to correct your records? " XXXX response was far from satisfactory, even after I went into greater detail as to how, even when the account numbers were changed, pending charges and my XXXX rewards credits were carried forward to the new account number. He emphatically stated again that I had closed each account, and that TransUnion would do nothing to further investigate the matter. 

Other than frustration at not being able to change my score to a near-perfect rating ( according to XXXX, my TransUnion score as of today is XXXX ), this problem does not have any particularly negative impact upon me. But XXXX people who apply for car loans, mortgages and credit cards have their interest rates determined in large part by their credit ratings. It strikes me that credit reporting agencies such as TransUnion may very well be colluding with banks to intentionally lower credit scores in order that banks can justify the imposition of higher interest rates. 

Thank you for any help you may be able to offer concerning this problem.
Product: Debt collection

I called the 3rd party company on XXXX  XX/XX/year> Trying to get my validation of debt & was hounded by a supervisor saying he will not send it to me unless I settled the debt over the phone. I told him numerous of times Im not interested. 

Prior to this they call and harass multiple times a week after Ive told them to stop calling.