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

XX/XX/ I purchased a rocker/recliner online from XXXX XXXX  for {$300.00} using my XXXX XXXX credit card. The recliner was shipped to XXXX XXXX  in XXXX, NC XXXX ( XXXX ) XXXX. 

The recliner was sent back to the warehouse because I was informed by the manager named XXXX XXXX that I missed the four day time limit by one day. 
I was not informed about four day time limit. 

I did not get the recliner, but I received a bill for {$300.00} in XXXX. 

I made several attempts to XXXX XXXX Customer Service and to Comenity Capital Bank to try to resolve this matter by checking my account and to have this charge to be taken off of my credit report. 

My credit score went from XXXX to XXXX because it was fraudulent reporting. 

I received an email from XXXX XXXX  on XXXX  informing me that the information would be sent to the District Manager of the local XXXX XXXX XXXX. I was given a case number, but nothing has happened about the charge sent to the credit bureaus. 


Thank you very much
Product: Mortgage

I am a single mom of a XXXX year old and XXXX year old that lost her salary paying job a couple years ago. I have been doing everything possible to keep this home that I have had for many years over my kids head but was not able to makes ends meet. I was told I could take out a loan on my home to help build my business and I took the opportunity as my kids are the most important thing in my life. I found this company after dealing with 1 other reputable company that told me I was able to qualify for XXXX at 11.50 % term was 48 months first position, as I was told I had to pay off my 5 % first in order to qualify and it is due on to be paid in full on XX/XX/22. I have missed one payment and they are telling me they are filing a notice of default and increasing the interest rate to above 17 %. I have attached the notice. I was also told before loan docs were sent out that I need to set the loan up as a rental property. So I needed to give an alternate address so they can foreclose on me quicker if I become in default. I am very worried about what is going to happen to me and my XXXX boys during the holidays so I would greatly appreciate any advice I can get.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

15 USC 1681 my information has been exposed in the data breach. And I would like my information to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting XXXX accounts are open when the accounts are closed. These accounts are paid. The XXXX accounts have deducted XXXX points from my fico score. Equifax continues to report these accounts as derogatory and they are not which hinders my fico score from ever increasing and keeps it in a negative status. These accounts have been stuck with this sinceXX/XX/XXXX to present.
Product: Credit reporting, credit repair services, or other personal consumer reports

My old car was repossessed after I became unemployed. The car was sold and the debt paid off, but the credit report is showing it is still the full balance amount from when I purchased the vehicle, and the account was charged off and still in poor standing. It should reflect as paid and closed since the debt was paid off after the vehicle was sold.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct or delete this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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
Product: Mortgage

Every other month, Chase keeps sending me an escrow analysis and increases my payment. Its getting ridiculous. My mortgage payment keeps increasing for no reason. I took a look at the escrow analysis and they withdrew payment on XX/XX/2022. I have no idea why they did this. I then took a look at the escrow and it states that they made a payment in XXXX and theres an expected payment in XXXX. My real estate taxes are to be paid quarterly, not monthly. I can not afford to make excessive monthly payments for real estate taxes. So right now, I have made payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and an expected payment on XX/XX/2022 ( per the new escrow tax analysis ). I took a look at NYCs real estate tax website and it looks like the XXXX payment is applied to the tax bill due in XXXX. So if they are going to take more money from me in XXXX, where is that going to be applied to? Ive attached screenshots of the escrow analysis and the XXXX property tax website
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

The company XXXX XXXX is reporting on my credit report with a debt owed. I never had a contract or business with this company. I tried to dispute and the credit agencies are saying that the account was verified by the creditor but provided no documentation or proof. My next step is to start ligitation against XXXX, XXXX and equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have paid my XXXX XXXX account in full. It is still showing that I owe over {$80000.00}. And it is reporting to my credit as of XX/XX/XXXX. I need this to be taken off of my account so that I can get an FHA loan. And I will not be able to get it with that delinquent account sitting on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has a credit card on my report stating that I opened a card at my current address when I never did
Product: Checking or savings account

I have never received documentation of my consent to open a bank account with Regions Bank, proof of the required deposit needed to open an account, and the complaint that Bank Manager XXXX XXXX said she filed on my behalf ( without my request. ) What is the status of my requests?
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be updated right away. 
XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020 I received notice from Contract Callers, Inc ( CCI ) ( dated  XX/XX/2020 ) stating that I owed a debt from a recently closed XXXX   account. I had previously received a notice from XXXX that I was owed a credit on the account - so I called XXXX to find out what happened. 

I called XXXX and verified my XXXX balance  ( with a credit ) and they stated that a statement and check was mailed to me earlier in the week -- and if I didn't receive it in a few days that I can go to a XXXX XXXX  XXXX  ( there is one near my  house ) to get an updated statement balance /account history to verify that I had never been delinquent in payment. They also stated that they did not see any collection information in my account - and the woman I spoke to said that she had never heard of Contract Callers, Inc. 

I called Contract Callers Inc - and they confirmed via phone that my account had been sent to them in error by XXXX, that XXXX had " taken it back '' and I could disregard the letter. To ensure that I had covered all my bases, I asked to receive an updated statement balance from CCI stating that there was an error/XXXX balance or that my account with them was closed/returned to XXXX -- and they said that they could not do that. 

The two individuals I spoke with ( XXXX XXXX and XXXX XXXX ) both said that they were not able to do anything except collect balances and even though they could see my account information and share verbally what happened with the error and XXXX balance - they have no way to verify it with me in writing and suggested that I can take their word for it. It is worth noting that both individuals were professional and kind in our discussion - it just seems ridiculous that the company that they work for has policies that prevent them from helping customers resolve and document their accounts.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I want to bring to your attention, once again, that XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX has been removed and re-added multiple times by your agency. I am outraged by the changes and decisions that your agency has made, highlighting the inconsistencies and irregularities in your records. I have noted the removal and re-adding dates on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This repeated action is not only unhelpful but is detrimentally affecting my credit files. 

In my understanding, if a company puts back an account on a consumer 's credit report after it was removed, the credit reporting agency ( CRA ) must : Tell me within 5 business days that you put the account back.

Provide me a written notice including : > A statement saying the disputed information is back. 
> The name and address of the company that gave you the information, and their phone number if available. 
> A notice telling me that a statement can be added to my credit file. 

This is important because before putting the account back, the company that provided the information must confirm it's accurate, and this notice is a way to show that they did that. It also lets me dispute the information if I think it's wrong. However, your process appears biased and lacks my attention and approval. 

Moreover, I request further proof and evidence of the persistently incorrect and misleading accounts added to my files to understand how your verification was done. I strongly demand the complete removal of these accounts from my credit report due to inaccuracies and contradictions of your reported items. Specifically on the following : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX  Account XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX I expect a prompt resolution to prevent further damage to my credit profile. 


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

1. TransUnion refuses to verify my identity with accurate information 2. The refuse to issues me a free copy of my credit report 3. They refuse to fix my TransUnion credit portal 4 they refuse to tell me what my credit score is I am experiencing continued hardship because of TransUnion infringement on my right dictated by the FRC. I am homeless and unable to get a job because of employers running a credit score TransUnion has caused me so much pain and suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  XXXX # 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 instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose THIS ACCOUNT IS LINKED TO AN ADDRESS I NEVER LIVED AT.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit nor has proof been provided that I authorized this credit pull.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of the following hard inquiries listed on my credit file, which I did not authorize or which can not be verified as having permissible purpose under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, specifically : 15 U.S. Code 1681b ( c ) A hard inquiry is only permissible if I initiated the credit transaction or gave written authorization.

15 U.S. Code 1681i If any item of information is inaccurate or can not be verified, it must be deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of personal information
Product: Debt collection

XXXX, XXXX, & XXXX all show that I have two collections on my report. 

XXXX Original Creditor : Capital One Bank USA Balance : {$1700.00} Account # : XXXX Collection Agency : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX XXXX Account XXXX XXXX Original Creditor : Capital One Bank Balance : {$1700.00} Account # : XXXX Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Account XXXX XXXX XXXX Creditor : Capital One Bank Balance : {$1700.00} Account # : no account # given Collection Agency XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX No phone # given Account ID XXXX XXXX All of the contact information for the Collection agency differs from bureau to bureau. No information is the same. When I called each number listed and spoke to an agent they weren't able to locate any of my information or debt owed. I'd notify them that I had the actual account ID to each bureau they report too & I'd get hung up on, every single time. 

Same goes for the other Collection Original Creditor is Credit One Bank XXXX : Account # XXXX Balance : {$1100.00} Collection Agency : Resurgerecve ( how it's spelled on report ) XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Account # XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX Experian Account # no account listed Collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Notice the phone # from XXXX on Collection # XXXX and the phone # from XXXX on Collection # XXXX that they are a MATCH. Different company names, same phone #. Same goes for the address on XXXX on XXXX # XXXX and XXXX on XXXX # XXXX, are a MATCH, different phone numbers, same address. 

Same thing. No account information can be found by any of the above listed Collection Agency on my account. 

If you look at my creditors you will see Credit One Bank XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Address matches exactly with the Collection Agency aka RXXXX XXXX XXXX XXXX XXXX 

How can a Creditor sale accounts to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Multiple different names, addresses, phone numbers, and states that they say are not the same entity.
Product: Debt collection

I. C. System , Inc. has the audacity to try to ruin my credit by reporting a debt that dont even belong to the agency. This is a third-party agency buying debts and ruining consumers ' credits. This debt can prevent me from getting a job. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account
Product: Credit reporting or other personal consumer reports

XXXX and Equifax were decreasing my credit every week which I think that causes adverse selection and adverse treatment. However, I think that credit should not be decreasing when you make a monthly payment on time. Yes, I know that going over XXXX percent on credit card will cause a decrease in credit scores but decreasing over XXXX points. Wow, that can cause a lot of adverse selection and adverse treatment. 

So, I believe that credit scores should not be decrease drastically, unless I am drastically behind in payments. Please look into this matter. 

XXXX XXXX
Product: Checking or savings account

On XXXX I was scammed out of money. I called my bank to make a report on XXXX and was told that nothing could be done about it because they couldnt stop it or reverse it. I was also told that because it was through XXXX on my Wells Fargo app, that Wells Fargo is not responsible, even though they promote it, Wells Fargo stated that they contacted XXXX and XXXX told them that there was nothing that could be done. Even though a thorough investigation hasnt been conducted fraud has been reported and I have proof that I was scammed out of money.
Product: Credit card

I have a brokerage account through a company called XXXX and am a subscribing gold member. They offered a credit card with 3 % cashback and I applied for the credit card almost XXXX XXXX  ago and Im still on the waitlist. Theres no explanation for why its taking so long and from what Ive read XXXX XXXX people have access to this credit card now I have a credit score of XXXX and it makes XXXX sense why I have not been offered the card. Its discrimination and possibly an unscrupulous practice that this company is engaging in. I would like to understand how youre going to handle this situation.
Product: Prepaid card

I received an Amex giftcard with {$200.00} on it and cant use the card anywhere it keeps declining. And theres no reason why and most merchants state they do accept it but it is not working at all. Card worked at first now I cant spend the remaining balance.
Product: Debt collection

The Alessi - Koenig law firm sought to collect a debt -- {$2300.00} in attorney 's fees -- for services that were not performed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not file bankruptcy in Texas because I live in Virginia, I disputed XXXX, Equifax, and XXXX  by submitting my husband 's military PCS orders, proof of residency since 2010, driver 's license, a letter from Texas court stating they did not give any of the credit agencies any documents that bankruptcy was filed, and a letter from XXXX XXXX stating that they investigated this with Texas court and did not find proof of a filed bankruptcy. I also file a FTC report with little assistance or feedback of removing the bankruptcy from the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I settled my account in full with Diversified Consultant Inc. I was advised of receiving my paid in full letter within the next 2 business days and that it would be removed from my credit. I took precaution to file a dispute of my own thru XXXX. I tried reaching out to Diversified Consultant Inc. several times regarding my concerns, but the consultant just keep giving me the same answer that they are working on it. Fast forward to today, I made another attempt to resolve the issue. The consultant, XXXX, stated to me that he is still working on getting my paid in full letter and that they do not remove items from the credit bureau. I asked XXXX that many creditors have done so in the past and Diversified Consultant has done it before based upon their previous client 's reviews. XXXX just simply stated that they do not do it and disconnected on me without true reasoning. I am contacting the Consumer Financial Protection Bureau to investigate the unfair, improper treatment of their clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 fraudulent inquiries on my credit report, that I reported it to Capital One Bank, yet Capital One Bank is not removing this fraudulent inquiry. The followings are the fraudulent inquiries : CAPITAL ONE BANK USA XXXX XX/XX/XXXX and CAPITAL ONE BANK USA / XX/XX/XXXX.