23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company Premiere Credit of North America LLC has placed an levy on my bank account. I have reached out by phone over 50 times to no avail. The phone always goes to voice mail and I have yet to receive a call back. I have went to the office location XXXX XXXX XXXX, XXXX, IN XXXX several times during set business hours to no avail. The office is always dark one XXXX  XXXX XXXX sits in the far side of the parking lot. No one answers the phone outside the office doors to buzz you in. The company seems to be a scam as I have no idea why my assets are being frozen and have no way of contacting set company to find out. I never received any notice for collection through the mail nor by phone. I have lived in the same location for several years and have the same phone number since moving to Indiana 10+ years ago. Their practices seem to be exploiting, unethical and maybe illegal.
Product: Credit card or prepaid card

So without any warning, Chase Bank decided to shut down all of my accounts due to the number of accounts opened up in the last year, requests for additional credit and the amount of revolving credit. Even though I have paid all of balances off in full each month and I did so with Chase, XXXX, XXXX, XXXX, and XXXX XXXX and try to maintain a low debt utilization ratio, so that Chase knew that they could trust me with opening up one last business credit card account with them, they decided to approve me for that card in XXXX of XXXX and then shut down all of my accounts literally a month later. My credit score was still in the low 700s and now because Chase did this, my credit score fell so much and they know I deserve to have those accounts reinstated but they do not listen to the simple truth that I am doing my part as a consumer always making payments on time for them and they are without any evidence or proof closing my accounts down? Please explain to me why I should not be upset at this company for giving me false hope by approving me for a business XXXX preferred card in XXXX XXXX, my 6th account with chase, and yes I did apply for a number of chase cards in the same day to combine injuries. I did not know nor did the REP who approved me note that I am being risky, if I knew this would happen, I would have never even asked for any additional credit ( I just wanted to avoid their 5/24 rule by submitting new apps on the same day. I have paid off literally all of my balances and deserve to have my accounts reinstated because that is the right of a consumer who does n't even carry higher than 10 % utilization during my time with CHASE. Please open them back up again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted consumer complaint letters to XXXX  and TransUnion because of the inaccurate things on my credit report that we hurting my credit report. I then sent a 30 demand to comply on  XX/XX/2020 and still didn't get a response from ANY bureau. I then uploaded complaints to the CFPB XX/XX/2020 in which I recently found that they ceased my investigation saying that " this is you ''. I don't understand. I XXXX XXXX have filed complaints with these bureau because they have failed to inform me of their investigation and it has been 3 months. This is violating consumer rights and laws.I am stressed. These accounts that are on my report and not right and are affecting my lively hood. Could someone please look into this for me. Please feel free to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Exquifax, I recently received a copy of my Exquifax credit report and I notice there is an unauthorized credit inquiry made by ( insert name of creditor ). I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into the following creditors : XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX - XXXX XXXX XXXX.
If you find I was not the one who authorized these inquiries, I ask that it be removed immediately from my  credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. 

If you find that I am in error, then please send me proof of this. 


Thank you in advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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: Credit reporting or other personal consumer reports

My credit report is showing several unauthorized, unverified inquiries and they are affecting me from being able to utilize my credit I need the unauthorized inquiries removed immediately. 

XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX. 

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

I have a major problem with Trans Union for allowing two companies to continue to report an inaccurate payment history on my credit report. The inaccurate payment history of these accounts continue to persist, and Trans Union will do nothing to correct the issues. That is why I am contacting your office today. 

First of all, I had an account with XXXX XXXX in the past. The account number on this account was XXXX. This account was clearly closed in XXXX of XXXX. So since the account was closed in XXXX of XXXX, they should not have reported any active delinquencies after that date. But despite that, they reported that my account was actively late in XXXX, XXXX, and XXXX of XXXX ; nearly two years after this account was closed. So those unfounded delinquencies that XXXX XXXX reported are needlessly and negligently continuing to degrade my credit scores. I have made repeated requests for Trans Union to correct the inaccurate payment history, but they allow XXXX XXXX to continue to do this. 

Secondly, the same thing is happening on a separate account with XXXX XXXX Credit card. The account number on this account starts with XXXX, and ends with XXXX. This account was clearly closed in XXXX of XXXX. So since the account was closed in XXXX of XXXX, they should not have reported any active delinquencies after that date. But despite that, they reported that my account was actively late in XXXX and XXXX of XXXX, as well as XXXX of XXXX. So those unfounded delinquencies that XXXX XXXX reported are needlessly and negligently continuing to degrade my credit scores. I have made repeated requests for Trans Union to correct the inaccurate payment history, but they allow XXXX XXXX to continue to do this. 

I have been patient up to this point, to give Trans Union time to do the correct and right thing here. But the errors continue to persist on my Trans Union credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian and XXXX XXXX a notice invoking my right as a federally protected consumer to opt out per 15 USC 6802 which states ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Furthermore, Experian and XXXX XXXX are in violation of per Privacy Act of 1974 by sharing my non-public information such as my financial history.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Student loan

I have been making payments on my student loan for over 3 years without missing a single payment and I HAVE YET TO SEE A CHANGE IN MY PRINCIPAL AMOUNT OWED. As a matter of fact when the loans were incurred my total debt was approximately {$23000.00}. AS OF TODAY THE OUTSTANDING BALANCE HAS GROWN TO {$32000.00}.   HOW IS THIS POSSIBLE?!! !! First of all, it is bad en ough that parents and students are having to bury themselves in debt just to obtain a higher education degree, but then to  XXXX   XXXX  with fees, compounded interested multipli ed by 2 and on and on and NEVER SEE THE LIGHT AT THE END OF THE TUNNEL after making payments mo nth after month consecutively, on time is just too much.   In this country you can not get a decent job with a college degree, yet we are penalized and forced into insurmountable debt just to obtain that degree. It is a disgrace. I have written letters first to  XXXX   XXXX  and then  to Navient ( who took over the servicing of my student loan ) asking for itemized break down of where all my payments are being applied, why my balance never changes and have never received any respons e.
Product: Credit reporting or other personal consumer reports

There still remains a collection account and fraudulent inquiries on my credit report. 

Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies are required to furnish a written notification to a consumer ( in this case, myself ) upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over XXXX days ago, I solicited documentation to substantiate this account, yet I have received no documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report. 

Collection Account : XXXX XXXX XXXX XXXX The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. 
Inquiries : If you find that I was not the one who authorized these Inquiries. I ask that it be removed immediately from my credit file. 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 XXXX days of receipt of this letter. 

EQUIFAX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against AMERICAN EXPRESS, TWO INQUIRIES. DATE : XX/XX/XXXX and also XX/XX/XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
Product: Checking or savings account

In XXXX, I filed a complaint with Wells Fargo for XXXX. Due to health issues and other unfortunate circumstances, I wasn't able to get on the flight. Wells Fargo issued me a provisional credit. Afterwards, the called me only once, and sent out one letter. They did not ask me for further evidence to support my claim. 

They sided with XXXX, a company that is known to abuse and treat their staff and clients with XXXX, cruely. I continued to bank with Wells Fargo through all of the shot they put clients through. 

During the Pandemic, I was the sole caregiver for XXXX XXXX people who were seriously ill, while recovering from long haul. I lost work due to health issues and XXXX from long haul XXXX. 

Stresses from dealing with Wells Fargo, has my health even worse. 

Wells Fargo reversed the provisional credit on my account and garnished XXXX weeks worth of pay on my account. They put me in the negative for almost XXXX. I was left in a emergency situation. Since then, they refuse to refund me back my money and have been absolutely terrible. 

I've had to deal with lies and bullying from this shady and unethical business. Absolutely heartbroken. 

Wells Fargo, your day of reckoning is coming. Wait and see.
Product: Checking or savings account

I was put in checking system in XXXX which I was not told buy bank of America I try to open a account on XX/XX/17 thay said I was in the system for overdraft my account I was advise that no reason to put me in the system. 
XXXX
Product: Credit card

In XXXX XXXX, I enrolled in XXXX XXXX XXXX. In XXXX XXXX, Chase followed their policy and charged off my account in XXXX XXXX. In XXXX XXXX, I received XXXX XXXX 's from Chase canceling the debt owed for each card to include as income on my XXXX Tax Return. During XXXX XXXX, I reviewed my credit reports and determined all XXXX credit bureaus were still carrying the amount owed on these accounts as balances. Based upon the Indentifiable Event Code ( Box XXXX ) listed on the XXXX, Chase has marked a code of " XXXX '' Instructions for filling out a XXXX states the following : Code G -- Decision or policy to discontinue collection. Code XXXX is used to identify cancellation of debt as a result of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. For purposes of this identifiable event, a defined policy includes both a written policy and the creditor 's established business practice. I have attempted to dispute these items but Chase says I still owe the monies for these cards. Based upon the Identifiable Event Code, Chase has followed their policy and canceled the debt. A cancelation of the debt per the IRS is the debt is no longer valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureaus have not responded to any letters since septemeber.
Product: Credit reporting or other personal consumer reports

TransUnion delete the following accounts as I have not given permission or authorization to publish this information. These accounts were added to my report without my written consent or authorization. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Dept of EducationXXXX XXXX XXXX XXXX . TransUnion is committing identity theft pursuant to 12 CFR 1022.3. Delete these accounts that were added to my report without my permission or authorization. XXXX XXXX, XXXX XXXX XXXX XXXX, Dept of EducationXXXX, XXXX XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

This is a second complaint. Dont waste my time. I am Mr XXXX XXXX XXXX from XXXX XXXX. I would like to report a suspected money laundering and fraud incident and request a recall for a number of wire transfers made from my account in XX/XX/2020, in the total amount of XXXX USD. At the time these transfers were made, I wished to use the services of an online merchant by the name of XXXX XXXX, who I contacted through their website www.searahealths.net which claimed to provide me with facemasks. In order to receive the shipment, XXXX XXXX instructed me to transfer money to a specific beneficiary, XXXX XXXX, that had an account with Fifth Third Bank in the United States. After I settled the payment I expected to receive the masks. When I did not receive the masks that I paid for, they kept promising me that they would refund my money but have not done so. They are not replying to me any more. This situation has hurt me a loss and is a very big financial loss. I feel very stressed and need psychological help. I am reaching out to XXXX, to assist me by requesting the beneficiary 's bank, Fifth Third Bank to launch a fraud investigation against the beneficiary company, XXXX XXXX and reverse ( or recall ) the transfers if the funds are still available in XXXX XXXX 's account. Finally the beneficiary 's bank rejected my requesting. Further action : I have reported to XXXX XXXX Police. Case references : XXXX in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Expressed several time to this company about how in 2012 I had identity theft, the IRS has this on file as I was victim and was provided the tax advocate to investigate the problem to stop the thief from getting my money since then I've seen all types of credit and hard inquires. 
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: Credit reporting, credit repair services, or other personal consumer reports

American Express continues to show my account as late, as of XX/XX/2021. I have confirmation of payment in writing from them from XX/XX/2021. I have opened a dispute, but they refused to fix the errors. This has caused my credit to drop 45 points as they have it incorrectly marked as " currently late ''. They also have it marked as overdrawn/overused, but the amount I paid on XX/XX/2021 should have brought that carrying balance well below my limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Finance, California issued a mandatory stay at home orders for COVID 19 in XX/XX/XXXX until XX/XX/XXXX- and my employer went out of business because of it - in turn - I was late on a few credit card payments with my Capital One credit card. I am asking these late pays be removed due to this pandemic and its damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and XXXX Removed the accounts that have issues on my account however the other day I received a letter from TransUnion stating they investigated the same accounts and found them to be valid. So regarding the federal student loans according the law a debt is only supposed to remain on your credit report for seven years, however there are accounts that state there is a XXXX balance that are from XXXX, XXXX, XXXX, XXXX and so forth that is past the seven years. Then there is a collection agency called aargon agency stating I owe them {$890.00} however I do not have a contract with this company. The company sent me a letter with the company I do owe which is XXXX XXXX XXXX XXXX  for a membership I never used. I have never contracted with XXXX XXXX, nor did I ask them to purchase my debt from the XXXX XXXX. The same goes for XXXX XXXX XXXX XXXX the creditor that does not have a wet ink signature is XXXXXXXX XXXX XXXX  never contracted with XXXX XXXX or XXXX XXXX XXXX or the Account XXXX XXXX XXXX nevada XXXX Both XXXX and XXXX removed this information from my credit report. Transunion should do the same
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these inquiries, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate inquiries from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Never attended XXXX college. 

Im a veteran would have used my GI Bill if that was the case. 

Never signed any documents with this school. 
Requesting A legal documentation from this school