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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX, XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/20XXXX XXXX XXXX XXXX Inquiry XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/20XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX  Date of Inquiry XX/XX/2023,
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows XXXX XXXX XXXX Bankruptcy Case Number : XXXXXXXX XXXX XXXX Bankruptcy Case Number : XXXXXXXX XXXX XXXX Bankruptcy Case Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Collection : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Inquiries XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX Personal Info : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Name : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/13 at XXXX pm I received a call from someone at American Coradius International stating they were a part of the collections team with XXXX and that my account showed an outstanding balance of {$4500.00}. I checked my account and showed no outstanding balance and asked them to provide me with any other information that had on file which they couldn't. I looked this company up online and it appears ( based on reviews ) a ton of others have been called stating they had a balance to pay on their XXXX  account when in fact they did not and the company continued to try and collect so called debt. I hung up the call immediately and checked my mail to see they also sent mail to me to collect on this XXXX balance. Account numbers all incorrect. XXXX account in good standing. ( see attachment )
Product: Payday loan, title loan, or personal loan

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2021 to XX/XX/2021 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Debt collection

Ad Astra Recovery Services has issued a balance on my credit report for {$750.00}. This balance has been on my report for 5 years. This balance was included under my bankruptcy. Over the years, I have made several calls to this company to get it removed from my credit report and they wont listen. They keep changing dates and it is becoming very frustrating. I have also tried disputing this charge with know success. I am asking that this balance gets deleted from my account asap. They are destroying my credit for a balance I don't owe. Everyone who have spoke to were rude, disrespectful and unhelpful. I was often yelled at, and once hung up on, although I was talking very politely. I was also left on hold for several mins, after 1 rep did agree that the balance should not have been reported to the credit bureau. After that she disconnected the call, and each time I called back no one was able to transfer me to her and said there were know notes on the count. This company is a scam.
Product: Debt collection

I pulled my credit in late XXXX of XXXX. I noticed there was a collection from Continental Collection Agency, so In XX/XX/ I sent a validation letter to this company and received no response, I followed up with another one in XXXX of XXXX, and have yet to receive any communication from them. I can not verify or validate this alleged debt and it is harming my ability to use my credit to purchase a home.
Product: Checking or savings account

On XX/XX/2021 my XXXX XXXX Account was placed on hold. I was emailed on XX/XX/2021 by Chime Member Services that my Spending Account was closed after a recent review. The same day I emailed Chime Member Services asking why my account was suddenly closed with no warning after I had provided documents confirming my identity when the hold was placed on the accounts on XX/XX/2021. I was sent multiple automated emails from Chime on XX/XX/XXXX and XXXX and attempted numerous times to get into contact with them via phone, email, and social media where I was then blocked for hours after requesting help regarding my account closure. I was told by Chime Member Services as of XX/XX/2021 my account was " not in compliance with its internal policies and the member agreement executed at enrollment ''. To access any remaining funds further documentation was requested although I had sent those documents already and should have been on file. I continued to email and received no response from Chime. I repeatedly requested documentation from Chime to show how and when my account was not in accordance with their policies but I was refused and sent links to the policy and automated messages from Chime Member Services. I was told my Chime Member Service representative " XXXX '' that a check of the remaining balance in my accounts would be mailed. I have never received a check as of XX/XX/2021. I emailed Chime Member Services on XX/XX/2021 for an update on my check and was sent an automated message. I reached out again on XX/XX/2021 to Chime Member Services and received an automated message. On XX/XX/2021 I was told I was " ineligible '' for a refund of my remaining balance. I sent documentation of the email stating I was to receive the check with my remaining balances as stated a month ago. Chime responded they were " unable to disclose further information about the closure of my account '' and attached a link of their policy and have yet to respond further.
Product: Debt collection

XXXX XXXX is my XXXX XXXX XXXX son. American Coradius International LLC set a letter addressed to XXXX to our address claiming XXXX owes XXXX {$540.00}. XXXX is a minor in the state of Notth Carolina. His parents never authorized or allowed XXXX to make any payments with XXXX. Our banking institutions disallowed any attempt for payment by XXXX who is a minor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the case and stating my reasons had nothing to do with them the account was VALIDATED well i asked to be sent proof and that was not done I NEED THE ACCOUNT TO BE VALIDATED, Proof of My WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX  California XXXX acct. XXXX XXXX RMSCC # XXXX $ XXXX ...
Product: Credit card or prepaid card

I closed my Comenity Loft Mastercard in XXXX of XXXX. I sent an electronic payment through my bank bill pay ( XXXX ) on XX/XX/XXXX in the amount of {$390.00} payable to Loft Mastercard payment clear date was XX/XX/XXXX for account number ending in XXXX. This amount paid off my entire balance due. I closed this account and made no additional charges on this account. 

Comenity never credited my account for this payment, and I began receiving past due notices/bills the following month. I called Comenity customer service and told them that I had already paid the balance in full. 

I continued to receive past due statements and incurred finance charges and interest charges on the amount even though I paid it in full. I continued to call every month to tell them that I had paid the balance in full in XXXX. 

Comenity asked my bank to provide a proof of the electronic transmittal form, which XXXX did in XX/XX/XXXX and again in XX/XX/XXXX. I mailed proof of payment along with a letter explaining the issue in XX/XX/XXXX and then again via certified mail in XX/XX/XXXX. I also submitted this online as a secured message on the Comenity site and provided the document proof of payment from XXXX. 

I have contacted Comenity every month to get this resolved, they say that the dispute department is handling it, but they said I can not call the dispute department they only communicate via email or XXXX mail. 

I went to XXXX and had the XXXXXXXX XXXX branch manager confirm that the payment was sent in XXXX as I stated above. In one letter, Comenity said they received my payment and then returned my payment due to an invalid account number. That is inaccurate because the account number listed on my transmittal was correct. My XXXX XXXX branch manager double checked just to be sure and neither XXXX nor me received any payment back from Comenity. Then in another letter they said they never received the payment. How can they say they received it and then say they didnt receive it? ( Im attaching both of those letters for your review as well. ) To make matters much worse, Comenity has reported me in collections to the credit companies and my credit score has dropped more than 100 points. THIS IS NOT GOOD. 

I have tried everything to get this resolved, I am so discouraged. I paid the amount in full when it was due and there should be no finance charges, late fees, or interest payments due, but because they never gave me credit for the payment, they keep sending me bills with interest and late fees. 

I am attaching the proof of payment provided by XXXX as well as the conflicting Comenity correspondence. Please feel to reach out to me and I will answer any questions you have regarding this matter. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was alarmed to find multiple unauthorized inquiries on my credit report. Several companies accessed my report without my knowledge, consent, or any application initiated by me. I do not recognize these inquiries and did not authorize them in any form. 
This misuse of my personal information is a blatant violation of my rights as a consumer and deeply concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis Risk Solutions has failed to remove the XXXX off my consumer credit report. On multiple occasions I emailed and sent letters via the united states postal service requesting that they provide proof that the XXXX listed on my lexis nexis report is accurate and to provide some sort of documentation from the direct federal court house or even a wet signature. Each time Lexis Nexis failed to do a proper investigation. I called the XXXX XXXX house and confirmed that they are not enrolled or subscribed to any credit agencies to report data but yet lexis nexis without my consent reports this and shares this information to the major 3 credit agencies which is a direct violation of my federal consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested basic information from Great Western Home Loans, NLMS XXXX, on XX/XX/2018 through XXXX XXXX. Great Western ran my credit without my authorization. Spoke with other lenders on from XXXX XXXX and they did not run my credit. Spoke with XXXX XXXX on same day and they also agreed that no authorization was given for them to run my credit. Great Western parent company XXXX XXXX, out of XXXX, MD, is the company on my report that ran my credit without my written consent or verbal consent. Police report has been filed as well per the request of XXXX. Agent in question is XXXX XXXX. NLMS XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. XXXX.
Product: Credit card

I'm deeply troubled by the addition of this late payment to my account, given my consistent history of punctual payments. This issue is causing me significant distress, and I urge you to rectify it promptly by removing the late payment from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I contacted XXXX XXXX in response to a direct mailing that I was pre-approved for a debt consolidation loan. 

I was told that the company assists not by giving you a loan but by contacting your creditors and settling your debts for less than you owe using Level One Law law firm. 

I was told to stop paying my creditors because an account with a company called XXXX XXXX would be opened for me. I would make payments of {$400.00} on the XXXX and XXXX of each month, which would be used to pay off my creditors and applicable fees. 

I was told about the fees and costs associated with the program. I inquired if these fees are charged upfront and were told no, these fees are collected once my debts are settled. 

I made my first payment on XX/XX/2023. ACH debits were also made on XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023. On XX/XX/2023, I checked my XXXX XXXX account and was shocked to see that my account only had {$100.00}. All the money I have paid thus far was not saved to pay my creditors ; nearly all the money was being applied to fees. 

I emailed the company on XX/XX/2023 requesting to cancel and get a full refund of the {$2000.00} paid thus far. I only received an automated response that someone would reply in XXXX business days. 

I called on XX/XX/2023 to make my request and was told I could do it over the phone or in writing using the form in my welcome packet. No such cancelation form was given to me, so I canceled over the phone. 

I was told by the agent that once I canceled, I was only entitled to the balance left in my account. My only recourse was to wait until I got the {$100.00}, call back, and see if a supervisor could do anything for me.
Product: Credit card or prepaid card

I open account on XX/XX/XXXX, until today XX/XX/XXXX I am paying the full amount of balance in each statement before closing day. But just a few months ago ( 4 ) this card start charge interest anyway if I paid the balance. I call several time in order to review what is wrong and got a different answer. The point is as I knowledge when you pay in full the statement balance is not possible to charge interest for amount that are coming in the next period. ( You can avoid paying interest on purchases by paying your balance in full ( or if you have a Plan balance, by paying your Adjusted Balance on your billing statement ) by the due date each month - AMEX PAYMENT PAGE ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove/block he listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX Balance : {$430.00} XXXX  XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX 2021
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 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 CreditReporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$750.00}.
Product: Credit card or prepaid card

In XXXX we went to this XXXX  because they said they offered XXXX  and my husband needed extensive XXXX XXXX because of my husband 's fear of the XXXX we explained he needed to be under XXXX. They convinced my husband they could do it without XXXX and he would feel nothing. I was concerned that our insurance would not cover it and the office clerk told us we would need about XXXX extra. So I applied for care and was granted the XXXX and we went in and signed the contracts. But it was going to cost more, about XXXX. As soon as we got into the car my husband said to call them and make an appointment to speak with them and cancel everything XX/XX/2021 we gave them a demand letter in person for a refund of the money we prepaid for the XXXX XXXX- XXXX XXXX. This included the XXXX to be credited to our care account. As per the signed refund agreement we told them to subtract the {$500.00} cancellation fee. We did have insurance that would cover the rest. They agreed but never refunded this amount The credit card company told them in XXXX they did not have to refund us- I have documentation of all of this.
Product: Mortgage

We are working on a modification to help save our home, however the representative is making it very difficult to work with. We have sent in requested information and on two occasions have been told that they did not receive the information, or more information is needed. At this point we are feeling overwhelmed and just want to give up.
Product: Credit reporting or other personal consumer reports

EXPERIAN- For over the past 6 months, I have tried to correct their error in the personal information section of my credit report. For no reason at all, my current address was suddenly removed, and my previous address from XXXX listed as my current address. 
Almost impossible to contact customer service, even though their Dispute Section website directed me there. When I have, I received a different response each time. 
Finally spoke with a supervisor who informed me I needed to upload a copy of my current driver 's license and a copy of a current utility bill, which I did, and verified it was received by their system. After a week my report was still incorrect. More calls and more promises it would be fixed. As of XX/XX/year> my current address STILL has not been updated. 

This is only a problem with my EXPERIAN credit report. Both XXXX and XXXX XXXX have my correct address. I have subsequently run into issues with creditors who have pulled my credit report from Experian, as the personal information/address I have provided potential creditors conflicts with Experian 's address information.

A terribly run company, beyond difficult to deal with this CA. I have no resource to complain, because they feel it's not their problem and know I'm limited in escalating this issue. I have worked in customer service for years and their employees are the most incompetent, rude, and dismissive reps I've ever encountered. 

I finally stopped trying to fix the issue as it was causing incredible stress and I simply could not deal with it any longer. Their consumer-based credit score service is exorbitantly expensive for anything more than their credit score and report. $ XXXX for " ExperianBoost '' or additional versions of FICO scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to do Theral review of my credit report, they did but i have found improper even after they did. but i did research and found improper even after they did the Theral research. Account # XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX account # has violated my rights 15.u.sc 1681 section 602A section 2 : it also states a consumer reporting agency can not furnish an account without my writing instructions. 
this what is being don't to consumers is not fair and should not be allowed, there need to ne some changes, i am hoping this helps understand my situation and these account gets removed from my records for never to return.
Product: Credit card

I have a secured credit card with First Progress. That card was canceled in XXXX of XXXX. They were supposed to refund me the amount I initially deposited of {$220.00}. I have not received back the funds although I have made several request as of XX/XX/XXXX.
Product: Credit card or prepaid card

I initiated a balance transfer from my Barclays credit card and received the funds. When I checked the card several weeks later, I found I was over my limit and the cause was I was charged both the balance transfer amount as well as the fee associated with the balance transfer twice. I called Barclays and reported the issue and they found that I was indeed billed twice and it would be 3-5 business days to resolve the issue. After 3 business days, they reported to the credit bureau that my account was over drawn. I called back and spoke to a supervisor and was told that it would now be 6-8 weeks to resolve the issue and when asking about a more direct resolution, I was hung up on. I called back again and was told this was a " known issue '' effecting numerous customers and that the first agent did not put the " proper notations on the ticket that was submitted '' but now that has been submitted correctly. They have no idea how long it will take to fix the issue or remove the incorrect information from my credit report.