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

On XXXX XXXX I attempted but was not able to use to use my XXXX XXXX Credit Card. I attempted XXXX {$45.00} payments to Commenity Bank in the XXXX XXXX  store at XXXX XXXX XXXX Delaware. Cashier stated both did not go through. I later checked my bank account and both transaction did post and were deducted from my bank account. I reached out to the store a few times before getting assistance. A XXXX sent an email to the XXXX and XXXX XXXX XXXX and included me on XX/XX/XXXX. I have called Commenity Bank at least 7 times regarding this and keep getting no where, hung up on, or told to check at the store. 
The store XXXX today XX/XX/XXXX, told me it is not their problem. Commenity Bank has sent XXXX letters stating my account is over due, I've received XXXX late payment fees, and they reported me late to the credit bureau high drastically dropped my score. I have not been late or missed a payment for over 3 years now. I am attempted to purchase have a home and this mistake has derailed the plans incorrectly so. XXXX person from Commenity Bank said the I vestigation could take up to 90 days, meanwhile my credit is being damaged and there is no concern or attempts at correcting their error. I have submitted the screen shot from the bank showing the completed transactions as requested.
Product: Checking or savings account

Wells Fargo continues to deny my claims Im a XXXX  and I was XXXX  and someone stole my debit cards and checks and did fraud on my account I gave Wells Fargo the police report and ftc report and the suspect who stole my cards and checking account info is in custody Wells Fargo still denies my claims and are stealing my money
Product: Debt collection

According to the code 15 USC Code 1681, unfair credit reporting ACT CBA Collection, obtain a debt from XXXX XXXX  the debt was paid, they took my clothes and Art work, they have the debt and the amount is paid, Remove debt or give my belongings back. Are you familiar with with something called 15 U.S.C S.E.C 1681i ( a ) .They debt was recently put on my account.
Product: Debt collection

HOLLOWAY CREDIT SOLUTIONS, XXXX XXXX XXXX XXXX XXXX, AL XXXX Ive asked this company in writing to stop calling me and they have continued to call me.
Product: Credit reporting or other personal consumer reports

I DONT THINK THAT THE COMPANY REALLY READ MY DISPUTE ALONG WITH THE ATTACHED INACCURATE CREDIT REPORT SHOWING THE INACCURACIES. LETS TRY AGAIN. PLEASE REVIEW MY ATTACHMENTS For the past 24 months i have submitted certified letter dispute pointing out to the company XXXX FCRA violations yet they refuse to remove the in accurate information and account. I have even seek the CFPB assistance and the inaccurate accounts remains. For the last time please take a look at my attachment and follow along : Item # XXXX XXXX # XXXX REFORTING TWICE iTEM XXXX XXXX  # XXXX Reporting twice XXXX. XXXX XXXX XXXX XXXX have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. Once again they reported the same account closed several times twice. closed on XX/XX/year>, closed on XX/XX/year> and reporting as XXXX seperate accounts on credit report : ( see the attached ) Questions : XXXX How can you verify the same account numbers reporting twice on a credit report? XXXX. How can you say you call the company and verified reporting inaccurate information? XXXX. How can you close the same account twice at the same time on a credit report? Item # XXXX XXXX XXXX XXXX XXXX  # XXXX I have never have an account or done business with XXXX XXXX XXXX XXXX. I have ask for proof but unable to receive a contract from XXXX XXXX XXXX XXXX, they have no record of me signing any contract with them. Yet the credit reporting agency keep verifying inaccurate information and refused to delete. Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Inaccurate information I now have enough credit reports to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. Rather than wasting time on a lawsuit i keep pointing out these errors yet they refuse to remove the inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According the the FCRA 15 USC 1681, everything must report with 100 % accuracy on my credit report. I sent a letter to TransUnion on XX/XX/22 asking them to " investigate every piece of information '' on the accounts listed below. TransUnion claimed that everything was ACCURATE. However, these accounts are still not reporting 100 % accurate because TransUnion did not do a proper investigation, as requested, per the FCRA. I feel like my disputes are not being taken seriously, and my federally protected rights are being deliberately violated.

Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' TransUnion clearly did not do any of this.

15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) clearly states that if ANY items are found to be inaccurate or can not be verified the reporting agency shall promptly delete the information from the file of the consumer immediately. I will attach my previous letter to TransUnion AND I will attach my credit reporting showing the inaccuracies that are still reporting. TransUnion needs to follow the law and act responsibly, or we will seek litigation and {$1000.00} per violation for the immense stress they have caused me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Payday loan, title loan, or personal loan

THIS COMPANY IS PREDATORY! THE INTEREST RATE IS OVER 300 %! I SUBMITTED AN APPLICATION THAT WAS APPROVED PENDING VERIFICATION. I CALLED AND SPOKE WITH A REP AFTER SUBMITTING A PAYSTUB AND WAS ADVISED TO SEND ANOTHER XXXX. I PROVIDED ANOTHER REFERENCE ALSO. I SENT ANOTHER PAYSTUB AND CALLED BACK. THIS NEW REP ADVISED ME THEY HAVE MY DOCUMENTS BUT THE APPLICATION WAS CANCELED. THEY TRIED TO CONVINCE ME TO SUBMIT AN IN STORE APPLICATION. I DECIDED TO CALL THE STORE AND WAS TOLD THEY HAVE NOTHING TO DO WITH THE ONLINE APPLICATIONS. I ASKED TO BE REMOVED FROM THE MAILING LIST. SHORTLY AFTER THAT, I RECEIVED A DENIAL EMAIL. I FEEL I WAS GIVING AWAY MY PERSONAL INFORMATION FOR NOTHING. I HOPE THEY DONT SELL IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to update my personal information with Experian since XXXX, They refuse to update my name and address and employer. Every time I call the reps on the phone get smart and very rude instead of doing their jobs, they refuse to even give me the update of my dispute and simply say ... they are updated. I cant verify online and mail has not been sent. can i sue this company?? This is a huge inconvenience, I even ask multiple times for a supervisor and they refuse to transfer me, XXXX with XXXX Team that works with Experian. I spoke to him twice on XX/XX/2021 between XXXX and XXXX and he was the worse ever. Very rude unprofessional and simply expressed his opinions instead of giving me results of my disputes and updating my information I have been requesting for months. I have sent recent utility bills with current address, valid dl and my ss card. NO HELP. PLEASE HELP ME at this point I fell i have no choice but to contact my attorney. Which isn't fair to have to pay for something I should be able to rightfully do for free legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a confirmed FREE CREDIT SCORE OF XXXX from Experian and that report proved to be wrong, incorrect, not what is reported to banks who confirmed when they pulled credit my score XXXX and full of notes. Furthermore as per prior complaints YOU NEVER resolved or acted on ... my comments were NEVER ADDED ... as usual with Experian chosing to SIDE WITH THE REPORTING BANK OR LENDER omitting critical information beneficial to me and us.. In my opinion if this is NOT COLLUSION nothing is.
Product: Credit card

Credit karma advertised high probability for approval for credit card and was denied multiple times on multiple credit cards..
Product: Money transfer, virtual currency, or money service

TD Bank is blocking my access through XXXX account. I called TD Bank customer service to rectify the issue but was advised to call XXXX. As per my conversation with XXXX TD Bank is the one that is blocking my account access. TD Bank customer service rep was n't helpful at all and was rushing to end the call.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX The car engine blew and the company XXXX want to fix the vehicle which was under warranty. 
your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Credit Reporting Agencies are reporting negative and fraudulent information about me on my consumer report without my consent while at the same time tarnishing my reputation. The Credit Reporting Agencies are also violating my consumer rights 15 U.S.C. 1681b permissible purpose of a consumer report. I have no contract with any of the Credit Reporting Agencies ; XXXX, XXXX, and Experian to report any negative information about me to any corporation and I do not wish to contract with XXXX, XXXX, and Experian. I never gave XXXX, XXXX, and Experian written consent to report anything on my consumer report. No consent equal fraud, which XXXX, XXXX, and Experian is committing, XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my Experian credit profile and I noticed there are incorrect addresses and a name on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT name that should be deleted is XXXX XXXX XXXX. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX, GA XXXX XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

On XX/XX/XXXX, I submitted a formal dispute to Radius Global Solutions regarding a debt they claim I owe to XXXX in the amount of {$550.00}. I do not believe I owe this debt, as I had canceled my service with CenturyLink on XX/XX/XXXX, when I moved. Despite contacting XXXX multiple times to resolve this issue, they failed to provide any proof that the debt is valid. 

As of today, I have not received any validation of the debt from Radius Global Solutions, even though more than 30 days have passed since my initial dispute request. This lack of response is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires validation within this timeframe. I am requesting that Radius Global Solutions cease all collection activities, stop reporting the debt to credit agencies, and remove the debt from my credit file. 

Please investigate this matter and ensure that appropriate action is taken to resolve this issue.
Product: Mortgage

SLS loan servicing is the most unresponsive, irresponsible, unprofessional loan servicing company I have ever seen. I have been in communication trying to get relief for a hardship experienced early in 2016. It is as if they lose my paperwork every 29 days. This is my second complaint and their response to the last complaint was to write a bunch of jargon that basically said XXXX you, you ca n't do nothing about it. Unfortunately there 's not much protection for the consumer. HOW MANY COMPLAINTS DOES IT TAKE TO GET ACTION? In the month of XXXX there were XXXX complaints filed and the consumer basically had the same complaint in each of their cases. Is there anyone that regulates these scammers? I was unemployed for 6 weeks so I missed two payments and have been making payments on time since XXXX when I returned to work but was forced to sell my home because there is no help available to deal with the two payments missed in the spring. PLEASE HELP WITH THESE SCAMMERS. When you call, you get a new story which is basically just another stall tactic. SLS claims they have no history of any communication prior to XXXX XXXX, 2016. The attached supporting documents prove otherwise
Product: Debt collection

Hello On XXXX I have received a latter from a debt collector Source Receivables Management out of XXXX XXXX XXXX regarding collection of amount of {$59000.00} for an apartment lease in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). No lease term specified but I never lived, never traveled to XXXX XXXXXXXX XXXX  and never applied and never signed any apartment rental applications, being a homeowner since XXXX and living in my house all the time in a state far away from California. 
I believe debt and collection is result of Identity Theft and Fraudulent Activity. A police report has been already filed on XX/XX/XXXX at my local Police Department and case is being investigated.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

Equifax : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

SEQUIUM ASSET SOLUTIONS, is trying to collect a debt that I do not owe. They can not provide me with a debt verification letter, a signed document bearing my signature. The statute of limitations have expired. I have retained an attorney to contact this company.
Product: Debt collection

I recently collected my credit reports and noticed that the social security listed on XXXX of them is incorrect and I believe that I am a victim of identify thief. XXXX is a collection agency that keeps calling me and I have no business with them. There companies did share my information with companies without my permission or knowledge. I wish to have this resolved and the collections removed from my report immediately. There is also XXXX accounts that were previously closed that XXXX has reopened without my permission or knowledge. According to law 15 usc 1692G they have not provided a detailed list made by me made on this account, they have not provided the signature from me stating I allowed them to collect on this debt, and they do not have chain of title to collect on this debt. There are incorrect addresses, phone numbers, names and employment listed on my credit reports. This is another indication that leads me to believe I am a victim of identity thief.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Experian for failing to properly investigate my dispute regarding inaccuracies in my credit report despite my submission, Experian consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. Code 1681i which mandates a reasonable investigation dispute. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Aid ( CFPA ), 12 U.S.C. 5536 ( A ) ( 1 ) ( A ) - ( B ), as highlighted in the recent CFBBs recent administrative proceeding ( File No. XXXX ) against them for similar violations.I request that CFPB take action to ensure Experian complies with federal law and provides consumer with the necessary proof of investigation. 

Accounts 1. Old Address to be removed 2.charges off/ wrong dates on accounts 3. Debt collectors, no approve by thrift party 4. Hard inquiries not approved by me or gave permission to pull my credit by those accounts I I want reported accounts to be removed.
Product: Checking or savings account

They are saying I gave someone XXXX miles away permission to use my card when I was obviously in florida with all my stuff working and using said payment method in south carolina. Claim number XXXX. I want to start a class action suit against wells fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XXXX Friday of 2022, I went into Home Depot with my wife to purchase some goods. After we had made it to the checkout, a lady began ringing our items and then asked about credit card applications. I said I was interested and she began the process. The issue begins after that when I saw the XXXX was XXXX  % and I said absolutely not and wanted to cancel. The Home Depot employee then put her body between me and the credit card reader and typed a bunch of stuff quickly then left to get another employee. Once the other employee got here, she said ok bye and left. I asked what had happened and if the credit card was cancelled which the lady said she had no idea about and that it should have been. 

Well it wasnt. The lady ignoring me, decided to continue with the whole application and send it even after telling her to stop. 

Once I got the mail that I had attempted to open this CC, I talked to XXXX XXXX chat who said someone with XXXX XXXX would contact me to help deal with this issue. Well, 3 months later and not a single call. I have tried contacting, but all I get is hung up on constantly. I even had Citi bank who deals with XXXX XXXX 's XXXX try to help me contact someone and they had the same issue. XXXX XXXX 's Own partners couldn't navigate the support lines. 

This is absolutely unacceptable and will be pursuing fraudulent Credit Card charges against XXXX XXXX for this. I attempted to talk to them and get this all taken care of, but they are nowhere to be found.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed unauthorized credit inquiries made by unrecognized creditors on my XXXX credit report. XXXX returned a result of that dispute, without any research whatsoever. The results were that the inquiries remained. Please see attached report. 

I was unable to exercise my right to make a dispute of the inquiries at all, with Transunion and XXXX, by phone nor online.