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

I contacted Equifax on multiple occasions due to a block on my credit report. They have some of the rudiest customer service representatives that I have had the displeasure of speaking with. I did not request a block on my credit report so it is insane that XXXX was placed in the first place. When calling I was told that I need to wait about XXXX weeks to have this done and that is after I mail in additional documents after completing an ID verification as well as a video verification already. I am in need of a place to live and now I have to wait unnecessarily for a process to be completed that I never asked for in the first place. This is despicable! This company should be fined for the way they treat consumers.
Product: Checking or savings account

Wells Fargo charged me excessive over the limit fees when i had account open
Product: Checking or savings account

I tried to make a transaction XX/XX/XXXX and ended up canceling it. A few days later I got locked out of my account due to suspicious activity and I was told to call in. I called the number that appeared on the message but didn't get any help and was told that I had to physically go into a chase branch to resolve this issue. The problem is that I work overseas and I'm not physically in the US that's why I added my sister as an authorized user so that she can help out with these issues. My sister went to the bank only to be told that there was no issue with my account but I still couldn't access my account so I call the number again and explained to them what my sister was told in branch and they replied that she needed to have a rep from a XXXX branch call their department in order to resolve the issue only to be told that I personally had to physically show up to the bank which is impossible because I spend most of the year overseas. I have creditcard Bill 's to pay that I will miss if I cant access my account so I really need some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Updated and introducing new information. I went to purchase a automobile and ask for them not to run my credit with multiple lenders. They did not listen resulting in un lawful inquires, making my consumer report inaccurate. 
In accordance with FCRA section 611 this company violated my consumer rights! 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 2022
Product: Credit reporting or other personal consumer reports

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

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

I've tried multiple times to have this removed from my credit report and have gotten nowhere with these companies. Saying I owe money for my commercial driver 's license that I've had long before any of the dates started thats associated with this account. My cdl-a license on XX/XX/XXXX from XXXX XXXX Who in the right mind would pay for training that they've had prior. It's absurd. I feel discriminated on because I'm half XXXX half XXXX XXXX XXXX. Furthermore this is a violation to my right to privacy. I've never given permission to anyone to pull, post, browse, or do anything involving my credit reports for XXXX, XXXX, and XXXX. I would like for this to be taken off all three bureaus. XXXX people everywhere. I can't by a can't buy a car, house, or anything of value with this XXXX on my credit report for on account XXXX lockhart, morris, and Mont. Dated on XX/XX/XXXX. Remember I got my license before that date above.
Product: Student loan

First- wait times are over XXXX hrs. no matter when you call. 

called at XXXX XXXX XXXX XXXX XXXX, was told ( automated ) that they were not available at this time. When they are open until XXXX XXXX XXXX according to their website, and recorded message. 

i am trying to get the expended loan repayment. i was told on XXXX separate occasions that they would place me in that program. i am now in the XXXX repayment, and the amount is too much for me. 

the company in NELNET. i did make my first payment this month, without getting it corrected, because I don't want to be in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my XXXX credit report that was paid and not updated and removed. I have submitted three disputes with evidence that the collection was paid and XXXX continues to report erroneous information.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$910.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with Equifax since last year because of their unlawful and unauthorized reporting. To this date, they have not solved the issues and continue reporting derogative information that is causing me harm, stopping me from receiving any further credit extensions, and higher interests. My last communication with Equifax was on XX/XX/2022, where once again ( previously submitted XXXX XX/XX/2022 ) I submitted my disputes along with an identity theft report, proper identification, proof of current place of abode, and my statement regarding the issues to be addressed. Pursuant to 15 USC 1681c-2 they had to block the information being disputed and correctly identified on the FTC report in 4 days. Today is XX/XX/2022 and said information is still being reported. I filed several complaints and they have replied what seems to be an automatic and generic response while violating my consumer rights and violating the laws by which they need to abide. 
I have submitted complaints # XXXX, XXXX, and XXXX which are now closed, and nothing has been resolved. 

In my FTC report, you will see that XXXX XXXX  is listed as not having any kind of contracts with me, no authorization, no debt validation paperwork has even been sent back to me, yet Equifax continues to reply " verified '' by default to my disputes. 
I also disputed XXXX XXXX. The payment history is wrong, I was never late, and after XXXX XXXX  and Equifax did " investigations '' ( said investigation methods are yet to be disclosed to me ) they still continue reporting lates, which DID NOT HAPPEN. Furthermore, pursuant to 15 USC1681a- ( e ) factual information should not be included, these were my written instructions on the numerous written communications I've sent to Equifax XXXX yet they willingly and knowingly continue violating my privacy, my consumer 's rights and still answer they have reached out to the company and it could take up to 60 days! 

BY LAW, EQUIFAX WAS TO BLOCK SAID INFORMATION WITHIN 4 DAYS OF RECEIPT. THIS HAS NOT HAPPENED, THEY ARE IN VIOLATION
Product: Checking or savings account

I ordered VIP and bottle service at a club ( XXXX XXXX XXXX ) on XX/XX/24. After paying for the VIP section I was told that there were no more tables available and was offered another service. I did not want the other service and was then told that I would not receive a refund. I disputed the charge with chase bank but they later reversed the charge stating the club provided a receipt. I dont care if they have a receipt I never received the service. I have been banking with chase for over 10 years and have never filed a claim. This is ridiculous.
Product: Credit card

Noticed new inquiry on my report XX/XX/year>, for a credit card. { Citi XXXX Called a reported that I havent requested any credit card from them. 
Company said they would investigate then inform me of their findings, can been up to 20 days before I know whats happening. 


Other Chase credit card { case file XXXX XXXXXXXX }, I received a call from XXXX explaining there was a card open in my name, but I havent been able to verify this, so Im including it in this notification.
Product: Credit reporting

XXXX is in fact NOT complying with the FCRA. And the FTC just looks the other way. 
It is OBVIOUS that XXXX does not want to give you a free credit report. The web barriers are very difficult to surmount, so most people give up and pay money, as XXXX wants. They say I have already received a free report within a year, so I am not eligible. But I did not. They ask very picky and detailed questions, which are unnecessary and often impossible to answer. They say " unable to complete your request '' with no reason. Their XXXX character recognition system rejects most anything you enter. They reject you for any of the above and you have to start over or worse they say you are disqualified. They say you have to apply by mail. I got their form and filled it out and sent it back. They never replied. 

So in desperation I paid them for a report. Then I found in the fine print on the very last web option, that now I was a " member '' and they would charge me {$25.00} additional every month. I never signed up for that and it is a complete ripoff. I had to call them to complain, and then they offered me half price to remain a member if I agreed to stay on for 5 years. THIS IS ALL A COMPLETE SCAM!!! 

The best evidence I can give you is just try it yourself. Any reasonable person would conclude as I have that their web pages do NOT constitute de facto compliance with the FCRA. They are deliberately designed to just male money for themselves, and not serve the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report # XXXX states an incorrect social security number ending in XXXX and remove telephone numbers XXXX and XXXX and incorrect name XXXX XXXX XXXX. My name does not carry middle initial.
Product: Debt collection

I financed flooring and installation from XXXX XXXX in XXXX 2017. I was given an estimate of approximately {$2200.00} for flooring and installation. I applied for financing and approved for {$2500.00}.
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Once I received an invoice from Synchrony Bank the amount was much higher than my estimate.
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I called XXXX XXXX and asked them for an itemized list of charges but they could not explain the items. They said I needed to call Synchrony Bank.
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I called Synchrony Bank and filed a dispute. They could n't explain the charges either. They said I needed to call XXXX XXXX.
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I want to know what exactly i 'm being charged for and why the total amount comes to {$3200.00} materials/laminate & square ft. - {$1000.00} installation items & square ft. - How much per square foot and total cost of that service.
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Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I applied for a vehicle loan with Capital One Bank, I was pre-qualified, I advised them I was self employed and receive a monthly check from XXXX XXXX XXXX, I advised them the money get deposited in my account monthly, I was told to submit 3 months of bank statements showing the money is being deposited in my account, I did that, no where on Capital One application did it saw they would be looking at all my transactions and would base their decision on that. Capital one clearly said the needed to see the money being deposited. My other transactions has nothing to do with them. I was denied based on my other transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 On XX/XX/2023, I personally called all three credit bureaus fraud departments to request that each agency verify and investigate each collections that they are reporting and remove all late payments, charge-offs, past due, closed accounts from the collections that are reported on my report. I also requested that all hard and soft unauthorized inquiries, all old addresses, employment and phone numbers that are not associated with me and my present life. To no avail! The Fair Credit Reporting Act also says that all three agencies reporting be consistent and accurate evenly across the report for each account that is reported on or about an consumer in which there are several reporting discrepancies that they have put on my account in regards to the collections account attached to the reports. XXXX, EXPERIAN, and XXXX have not fulled their duties as consumer credit reporting agencies per the Fair Credit Reporting Act and Code of Federal Regulations. 

In accordance with the Fair Credit Reporting Act these creditors ( XXXX, Experian, XXXX ) have violated my rights under 15 U.S.C 1681 section 602, states that I have a right to privacy. 15 U.S.C 1681 section 604, 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666-B a creditor may not treat a payment on a consumer credit account under a open end consumer credit plan as late for any reason on a collection.
Product: Debt collection

Approx. 6 months ago Medical Business Bureau placed several medical collection accounts on my credit report, negatively affecting my credit scores. I resolved the issue with the credit bureaus as this was my father 's debt falsely reported on my credit. The XXXX advised me that there was nothing that they could do to fix it and I would be on my own to resolve this with the credit agencies. On XXXX/XXXX/2017, XXXX once again filed a collection account on my XXXX for debt my father owed. I reached out to XXXX who once again advised me that I would be responsible for disputing this with the credit agencies. I explained that this is the second time that they have knowingly falsified information on my credit and the representative I spoke with stated that they did not give the credit bureau my information ... This is a violation of the Fair Debt Collection Act and is a malicious tactic to attempt to collect debt from my father. The XXXX has now compromised my ability to get approved for my mortgage and will likely cause me to incur higher interest rates. I asked for a letter to give to my lender from the XXXX stating that I did not in fact have a collection account with them and they refused to provide such email/letter as I did not have an account with them.
Product: Credit reporting or other personal consumer reports

I give XXXX and Experian permission to proceed with this complaint. 

I have checked my credit report and have found that there are accounts that was reinserted in my credit profile after being previously removed.XXXX and Experian has failed to throughly investigate these fraudulent accounts. I have battled for years now with them. I stated and provided ID theft report and police report that it did not belong to me. Also addresses that are not mine and they have yet to be removed. 

FTC Report Number XXXX : XXXX XXXX XXXX {$12000.00} * XXXX XXXXXXXX {$720.00} XXXX XXXX XXXXXXXX {$1000.00} Variances of Name : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BlockExcept as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Failure to comply to request 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. Identity Theft XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 at XXXX I made a {$200.00} cash payment on my XXXX  XXXX credit card issued by comenity Bank , inside the XXXX  XXXX store located at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX. In XXXX I realized the {$200.00} was not applied to my card. I contacted comenity Bank and gave them the information off of the receipt. I was told it would take up to 90 days. I was sent a letter saying if they needed additional information they would contact me. After 90 days comenity bank sent a letter saying they were closing the case due to lack of information. I emailed and sent a copy of the receipt from the store showing the {$200.00} payment. It's been 6 months since first contacting them and today I got another letter stating that it may take up to 90 days to complete the investigation and if they need more info they will contact me. I've been getting charged interest on this {$200.00} that I paid 6 months ago and they are not applying the payment to my card
Product: Debt collection

I have no idea what this debt is supposedly from, its origin, or who the company is. It was incredibly difficult to find the name of the company JEFFERSON CAPITAL SYSTEMS that was harassing me ; they would never identify themselves. They never sent anything validating or confirming this debt. I spoke to an agent and they did not confirm or validate its origin. When I then said I will be disputing this debt, then, they simply said okay and hung up. 

Jefferson Capital Systems refuses to send legally required validation of debt owed.
Product: Checking or savings account

XX/XX/XXXX there were 12 unauthorized charges on my account I contacted chime and the denied the claim so I contacted back for them to reopen the case they did but only approved 7 charges when I showed proof of being at work in the hours of the charges being made. I lost my card that Tuesday during a fire drill at work I'm guessing and didn't notice until that Friday when my friend sent money to help me pay my rent. I rebutted it last night and they again denied as soon as the agent sent it in which is not fair or right.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I tried to assess my credit report through XXXX and credit Karma and I can not gain excess due to someone else using my credit and changing my information. My credit report would not even give me a score at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following XXXX  Accounts has violated my rights : XXXX XXXX XXXX ( Opened XX/XX/XXXX {$250.00} ) XXXX XXXX  ( Opened XX/XX/XXXX. {$500.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$790.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$890.00} ) 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 States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and I noticed an inaccurate account XXXX  XXXX # XXXX. According to the IRS a canceled debt ( charge off ) is a gross or ordinary income. An income does not get reported on a consumer credit report. This charger off is inaccurate according to 15 U.S.C. 1681e ( b ),
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Contact : XXXX SSN : XXXX Company Complaint : XXXX XXXX XXXX XXXX Re : XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX  XXXX Account # XXXX This account is for a residence that I had planned to move into, once I signed the forms I went down to where my townhome was and realized I had just made the biggest mistake of my life. There were people outside smoking XXXX, and just not a comfortable situation for a single mother of XXXX. I walked right back up to the office, and explained they could cut up the contract because I would not be moving in. Well low and behold this is where we stand now. They never once tried to make contact with me letting me know that they would be charging me for anything, turned around and sold the information to XXXX. I spoke with XXXX sometime last year 2016 and was so frustrated I told them I would just pay something to have them stop harassing me. I spoke with a manager who in turn did stated to me that they would remove it from my credit due to the situation. I took their words for what they were and noticed this year when I sat and pulled my credit that the account is still there. I contacted the company last week and asked to speak with the supervisor who handled my account and find out why it was not deleted, and was told that they will not transfer me and that what the employee was telling me was all I was going to get.
Product: Debt collection

I received a move out bill dated XX/XX/2018 from XXXX XXXX XXXX The Residences at New XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO  XXXX on XX/XX/XXXX for {$450.00}. I responded to the letter, notifying them why I was only paying {$71.00}. They never scheduled a move out walkthrough with me. They charged {$340.00} for carpet replacement. i lived there for 39 months. Normal wear and tear. 

I never heard back from them. I received a bill from FCO that was dated XX/XX/18 in the amount of {$830.00} more than double the bill they sent me. As i stated, the only bill i received was dated XX/XX/18 for {$450.00}. I contacted FCO on XX/XX/XXXX and emailed them my bills and what the situation was. They said they would speak with XXXX and get back to me. 

I have not heard anything to date but now know there are other residents that experienced a similar experience as mine. 

Thank you.