23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXXXXXX To hear a video about this complaint, please use the XXXX link provided above. 
On or about XX/XX/2022 ( Date may not be actually correct ) I spoke with a Rep from Credit Solutions of XXXX, KY. At that time I told them that I would begin making payments on my XXXX  XXXX XXXX bill in a matter of days, but I failed to do that and was only a very short period of time late when I learned from my bank that Credit Solutions had taken XXXX out of my bank account without my permission. If I was going to allow such I would not have stated that I would pay them on a certain day. I have no idea how this company got my bank account info as I NEVER give such out. On the telephone, I was told by a Rep that I had given them the right by video to take money out of my account and this is TOTALLY incorrect! I was told by the Rep that she would play the video for me to hear myself giving the permission which I knew she could not present as there would no such tape recording. She even asked me " How did we get the bank account number if you did not give it to us ''? I replied " I have no idea HOW you got it, all I know is that I did not give it to you, thus you did something wrong to get it somehow ''. When she returned to the phone she had no tape recording to play but as I kept asking for her to play that of which she claimed she had possession of but as an argument continued she finally bowed out not having a tape to play at all. Days after this I learned that the bank had replaced the money, informing me that they had put the money back in the account while the investigation continued. Today, XX/XX/2022, I spoke with a Rep. from Credit Solutions who told me that in order for them to take money out of a bank account, there would be a series of things that had to be done and I would have had to give permission. I kept asking how where they able to get my account numbers without me giving them to them and without giving ANY permission at all and she would not explain. She informed me that it was Credit Solutions that had put the money back into my account but prior to this the bank informed me that it was the bank that had put the money back into my account. If I had given permission for it to be taken out then they would not have replaced it because they would have had the permission to have taken it. It sounds to me like an inside job with the bank but then again, I have no idea how Credit Solutions even knew who I banked with. I would like an investigation also to know what steps they took to receive access to my bank. I do have the copies of documents in regards to this complaint but they are not in my possession at this time. I would love the opportunity to send them later, please.
Product: Credit reporting or other personal consumer reports

Was told this tradeline was deleted. I still see it reporting to Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried several times to dispute several inaccurate and fraudulent accounts from XXXX XXXX XXXX XXXX, reporting to my credit report. These items have been hindering me from moving forward with other financial endeavors I want to pursue. 

These accounts are reporting as a positive account and negative account. This is not correct as I have never applied for an account with this company.
Product: Credit reporting or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting

Experian credit bureau has failed to properly notify me of the results of my past dispute placed over 30 days ago. I disputed a delinquent/charge off XXXX XXXX account. This account is past the seven year when the account reported it first delinquency.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of address These are not my adresses and i wish to have them removed from my consumer report immediately. 

I do not reside at any these addresses : 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

FRCA Violation credit card XXXX XXXX FRCA Violation personal loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation enquiries XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX  Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX  XXXX NA Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX XXXX date : XX/XX/XXXX XXXX XXXXT XXXX Mortgage XXXX XXXX XXXX : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase XXXX XXXX General Inquiry date : XX/XX/XXXX XXXX date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry XXXX : XXXX XXXX, XXXX Removal date : XX/XX/XXXX FRCA Violation address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card

I have a Macy 's credit card which is serviced through Chase. On XX/XX/2017, I paid my balance in full of {$500.00} and assumed that I had a XXXX balance. On XX/XX/2017, my card was charged {$9.00} in interest charges and on XX/XX/2017, my card was charged {$2.00} for a " minimum interest charge, '' and was again charged {$2.00} on XX/XX/2017. I received emails from Macy 's to login and check my statements, but since I knew that I paid my balance in full in XX/XX/XXXX and had not used my card to purchase anything, I did not feel the need to login to my account ( their website is very confusing ). I received a notification from XXXX that my credit score - which was previously around XXXX - had changed and it had dropped to the XXXX due to Chase reporting me for delinquency. I logged into my account and found that I had a balance of {$13.00} - all of which was just interest and fees accrued AFTER I paid my bill in full. I paid the {$13.00} on XX/XX/2017 ( when I realized what happened ) and tried to file a dispute, but became overwhelmed and confused by what I needed to do in order to dispute their delinquency charge. This is not the first time that this happened with Macy 's, and the issues began when XXXX began servicing my card. 
Today I received notification that my private student loan through XXXX has raised its interest rate for the fifth time in about six months to 9.50 %, and I sought a soft quote from XXXX to refinance my student loan. I was told that my credit score was XXXX and that the key factors that affected my score are the time since delinquency is too recent or unknown and the number of accounts with delinquency ( I have no other accounts with missed payments ). I do not have anyone who can cosign for me, as required by Citizens, and did not think that I would need one as I have made years worth of consecutive on-time payments to my student lenders ( I am over XXXX ) and my annual income has been over $ XXXX for the past few years. I need help fixing my credit score so that I can attempt to get refinancing of my student loans, as I am carrying about {$65000.00} worth of student debt.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name : XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

Hello XXXX  : I recently paid off my Citibank Card ending in XXXX on XX/XX/XXXX ( I paid twice in one month  before the next statement balance was scheduled ; First I paid onXX/XX/XXXX ). However, for the month of XX/XX/XXXX, onXX/XX/XXXX, I decided to check my account again and noticed a {$.00} ( XXXX cent finance charge ) still put on my account. Anyhow, because of this {$.00} charge, I called Citibank onXX/XX/XXXXat  approximately XXXX XXXX est, and explained to them the issue that my account has been closed for years, and I just paid it off on XX/XX/XXXX  The customer service person assured me that this was a clerical area, and that this {$.00} charge is now off my account. However, I do not want any late charges or late fees associated with this mishap to affect my credit score. Could you please look into this matter? I have two documents that proves I paid for this account in full. The customer service representative was named " XXXX '', apparently a foreigner. I did check my account to see if the account still display the charges and it does not as of XX/XX/XXXX, but I talked to Citibank onXX/XX/XXXX at approximately XXXX XXXX. est. Please help ensure that this incident does not affect my credit score adversely. I have two documents to support what I say. Please note : Both files have similar names but they are different. As a follow-up to my account ending in XXXX, onXX/XX/XXXX my account read - {$.00}, that is right, negative XXXX cents. I am not sure what is going on. Please help me. Thanks. I have contacted you about this issue on XX/XX/XXXX in regards to my Citi Bank card that I paid off inXX/XX/XXXX ( please reference the previous email ). I have also included another document to prove what I say. Then, on onXX/XX/XXXX, a letter that is dated XX/XX/XXXX, arrived at my residence that states that I have a {$.00} balance. This account should be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear, Experian Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX  is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

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

I had an updated copy of my credit report, and when I looked at it, I found that some of the information was inaccurate. The three credit bureaus must verify these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Due to the letters of protest I have been submitting to the credit bureaus, I assumed this issue had already been resolved. But I'm upset that the credit reporting agencies did nothing to fix their error and update my credit in their files. It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and corrected : XXXX. XXXX XXXX XXXX Balance Owed : {$570.00} XXXX. XXXX XXXX Balance Owed : {$1300.00} XXXX. XXXX XXXX Balance Owed : {$4000.00} XXXX. XXXX XXXX Balance Owed : {$8600.00} XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX BANK XXXX XXXX Balance Owed : {$0.00} XXXX. XXXX  CU XXXX Balance Owed : {$0.00} XXXX. XXXXL XXXX XXXX Balance Owed : {$0.00}, and XXXX. XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting

I was laid off from my job and then found a new one. Paid all my debt off but it still shows the debt as being there. 

Even though I have paid all my debts I can not get a car loan. Seems absurd that someone that has always done well has a drawback and can never recover because of this system. If this system is what is going to be used to determine my future then it should be correct.
Product: Prepaid card

On XX/XX/XXXX, I obtained a prepaid card from American Express for {$500.00}. I tried to make an XXXX purchase with the card, but XXXX rejected my purchase and took XXXX XXXX off of the card to verify the payment. I called American Express about this issue and they told me that they would have the problem resolved in XXXX hours. They called me back at XXXX ( XXXX ) XXXX and asked me to give my prepaid card information and told me not to use my card for XXXX XXXX. I followed their rules, and when I logged on to see the balance less than XXXX XXXX later on XX/XX/XXXX, The balance was XXXX XXXX. {$490.00} was purchased at XXXX, and I did not make that purchase. I filed a dispute, and American Express Rejected it saying the following : Dear Cardholder, This letter is to inform you that we have completed our investigation regarding the dispute case referenced above. After a thorough review, we have determined the XXXX information was provided by you to complete the transactions in question. If you permit another person to have access to your XXXX or XXXX number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. 

As a result of our investigation, this dispute claim has been denied and the case has been closed. If you choose to initiate an investigation through law enforcement, we pledge our ongoing support and hope that you are able to recover your losses. We place a great deal of importance on customer satisfaction and want to be sure our customers have a positive experience with our product. We regret the circumstances that led you to contact our office. 

Sincerely, XXXX Dispute Resolution
Product: Credit card

In XXXX, XXXX  our mail was stolen from a locked neighborhood mail box. Unknown to me there was a Kohl 's Capital One credit card in the mail. Kohl 's said they had changed to a new credit card agency. I was out of town when the mail was stolen. My husband immediately notified the Postal Service on XX/XX/year>. I did not know anything about the card until I started getting overdue notices from Capital One. None of the charges were to Kohls but to motels and quick marts, etc. 

I immediately contacted Capital One via phone to dispute the charges. I was told to submit much personal information to validate my identity... SS #, picture of my drivers license, proof of my address, etc. all of which I sent on their secure site. I sent all twice as they said the first attempt was blurred. I have attempted repeatedly to find out if any action is being taken through phone communications with their Fraud Dept.

I keep being told I will hear back in 7 to 10 business days. I Have also sent a letter & documents to Capital One offices in XXXX XXXX XXXXXXXX XXXX asking for a resolution. I've had no response. XXXX  phone call to the fraud dept. revealed that the documents I sent proving my identity have not yet been reviewed. 

I continue to receive emails which vary from telling me I need to make a payment to threatening to report me to the credit bureau. 

After my initial contact with the company XX/XX/year> reporting the card theft and fraudulent charges I waited to hear back. My follow up calls were on XX/XX/year>, XX/XX/year> and XX/XX/year>. I also made calls that I did not record the dates of before XX/XX/year>. 

I have a record of the fraudulant charges and all other communication with the company. I am at a loss as to how to proceed ... Can you help me? 

Thank You, XXXX
Product: Credit reporting or other personal consumer reports

I noticed several unauthorized/fraudulent inquires on my XXXX and Equifax and XXXX report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has allowed fraudulent, derogatory information to be furnished against me that has been proven to be unfounded. Transunion has failed to adequately investigate accounts upon written notification from me that the accounts were fraudulent or inaccurate. These creditors have provided proof that the information was fraudulent or accurate, contrary to Transunion 's exclaims of accuracy. Transunion has monetarily benefitted from defaming my character.
Product: Debt collection

The following company has listed a debt on my credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. Further as is required by the FDCPA this organization never sent me proper notice such allegations of owing a debt were being claimed much less an opportunity to remedy the issue with them where I would have requested a valid proof of claim and notarized affidavit swearing to the fact that this company and I ever met or agreed to do business or that I ever acknowledged an alleged debts was owed by me to this unknown party known by me only according to my credit reports as PARAMOUNT RECOVERY SYSTEMS. The following information is being reported on my credit reports see below. PARAMOUNT RECOVERY SYSTEMS Agency Address : XXXX XXXX XXXX XXXX XXXX ' XXXX, TX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Original Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$970.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$970.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information, Medical This is fraud as no offer of contract was ever presented nor considered or accepted by me and no equal value was ever exchanged by this organization to me warranting performance in the form of payment of a contact that has never existed between this party and I.
Product: Credit reporting or other personal consumer reports

I am writing to express my growing frustration and disappointment with your bureau 's ongoing failure to address my concerns regarding the unauthorized inquiries on my credit report. This is now the multiple time I have reached out to you about this matter, and yet the inquiries remain unresolved, which reflects poorly on Equifax 's commitment to accuracy and consumer protection. Despite providing all necessary documentation to support my disputes, your lack of action is both disheartening and unacceptable. These inquiries were not authorized by me and should never have been allowed on my credit report in the first place. By failing to address this issue, Equifax is perpetuating harm to my creditworthiness and undermining my trust in your ability to manage sensitive consumer data. 
The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to conduct thorough investigations into disputed items and ensure the accuracy of the information they report. However, your repeated inaction suggests a disregard for these obligations and for my rights as a consumer. 
I am demanding the following actions be taken immediately : 1. Removal of Unauthorized Inquiries : All inquiries I have previously disputed as unauthorized must be promptly removed from my credit file.

2. Written Explanation : Provide a detailed explanation of why these inquiries have not been addressed despite my repeated attempts to resolve the matter. 
XXXX. Implementation of Preventative Measures : Assure me that steps will be taken to prevent unauthorized inquiries from being reported on my credit file in the future. 
This prolonged and unresolved issue has caused me unnecessary stress and frustration. 

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

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.XXXX  XXXX {$250.00} XXXX XXXX {$0.00} XXXX XXXX {$1300.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$410.00} XXXX XXXX {$450.00} XXXX XXXX {$1600.00} XXXX XXXX   XXXX {$100.00} XXXX XXXX XXXX {$18000.00}
Product: Debt collection

PLEASE DELETE THESES accounts I have never given my Premission for anyone to furish these Negative accounts. I know the law and I HAVE right Privavcy 1 ) XXXX XXXXXXXX Account # XXXX Delete 2 ) XXXX XXXX XXXX XXXX account # XXXX NEVER LATE 3 ) XXXX account # XXXX Delete 4 ) XXXX XXXX account # XXXX Delete 5 ) XXXX XXXX XXXXXXXX  account # XXXX Delete 6 ) XXXX XXXX XXXX  Account XXXX XXXX Never Late I never gave my permission to furnish any negative accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on XXXX  and Transunion have been closed but still show as deliquent. There are inquires that should be on the reports.

XXXX XXXX XXXX XXXX  These accounts are not suppose to show
Product: Credit reporting or other personal consumer reports

I was alerted by Experian and XXXX XXXX stating that there is a hard inquiry on my credit report today XX/XX/2024. I called Experian to dispute the inquiry and also called XXXX XXXX to dispute the inquiry and put a note on my account that I am not applying for a new credit card.
Product: Credit reporting or other personal consumer reports

Transunion is reporting I only have XXXX  years of credit history. The other 2 credit reporting agencies report I have more than XXXX  years of credit history. My student loans were originated in XXXX  so I have at least XXXX  years of credit history, not XXXX  years. 

Transunion needs to correct the XXXX  years and change it to XXXX  years of credit history.