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

As I described in a earlier complaint XXXX about XXXX and their unfair reporting by allowing ANY ONE OR ANY BUSINESS ENTITY CHECK MY PERSONAL CREDIT WITHOUT MY CONSENT OR KNOWLEDGE THE COMPANY STILL ALLOWS THE INQUIRY TO STAY ON MY REPORT FRAUDENTLY. I had to go to the local police agency and file a police report on fraud that these inquiries were checked without my consent or knowledge. I had to fax in a cover letter and the report and the listed complaint number I made with this agency on XXXX 's unfair business practices. Now, this complaint is on Experian and is even worse of a business practice. I called XXXX today on X/X/17 and told her the way XXXX fraudently checked my personal credit with out my consent or knowledge and that i did not even know the other company springleaf financial services at all what so ever and that from my past experience with XXXX I needed to obtain a fraud police report indicating that these were on my hard inquiry as fraud and needed to be removed asap because these false inquiries lower credit scores. I was told by XXXX at the Experian fraud department that I would have to go ask the companies in question to remove these inquires. I told her I have and have spent hours on the phone with XXXX and called XXXX XXXX and XXXX just put me on hold and switched me from department to department ultimately they hung up on me. XXXX when I called said they knew nothing of me and they could not do a thing to help me because a signature or some kind of authorization would be needed and I was not able to be found in thier system. So, Experian will not accept any other method of removing these fraudently made hard inquiries with out XXXX OR XXXX FULL CONSENT TO DO SO. I have to admit this is very very bad in light of all the idenity theft and abuse going on. I would like this Federal agency to refer this to the FTC ON BOTH XXXX and Experian on thier bad and unfair business practices. What I mean by unfair is that since anyone or anybody can pull anyones credit without consent or any penlity and hurt and diminish the innocent and now a victims credit score is very unfair to say the least. Please investigate Experian and XXXX on these unfair and bad business practices. the only thing I noticed the credit reporting agencies will do is sell the victim a idenity theft package for money and protection. I think that since these reporting agencies know and allow this unfair behavior go on and do nothing about it, they should have some obligation to validate the truth and what or who is trying to check and pull credit reports. These reporting agencies sure have alot to sell you, so maybe that is why they do not do a thinf to help you when the tax paying citizen becomes a victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 u.s.c 1681 congressional finding and statement of purpose .please removed hard inquiry off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, I noticed a charge of {$24.00} on my bank account taken out on XX/XX/XXXX. The merchant description was Experian* Credit Report ( XXXX  ) XXXX CA. I called Experian to file a compliant and they claim my account is free and never charged my account. I disputed this transaction with the bank and they said I had to call Experian. The money was clearly deducted from my account and someone has the funds.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report, that is considered identity theft. I am requesting that this information is blocked and deleted immediately. My request to block this information is not being made in error ; nor is my request to block being made invasive of a material misrepenstation of fact by me relevant to the request to block the identified transactions. 

The identified transactions are not information related to any transactions by me as the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received an email from Net Credit informing me of a denial of credit for which I did not apply for. I have not, nor have I ever, applied for credit from this company, yet they have pulled my credit report with a hard inquiry without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Names are incorrect : XXXX XXXX XXXX XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX, TX XXXX FTC Violations : XXXX XXXX   XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Open Payment Status Current, was past due 30 days Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit {$1000.00} Monthly Payment {$0.00} XXXX XXXX XXXX Account # XXXX Original Creditor XXXX Company Sold - Account Type COLLECTION Date Opened XXXX XXXX, XXXX Account Status! - Payment Status Seriously past due date / assigned to attorney, collection agency, or credit XXXXXXXX XXXX  XXXX ; XXXX internal collection department Status Updated XXXX XXXX Balance {$770.00} Balance Updated XX/XX/XXXX Original Balance {$770.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded documentation proving I was never late on my car payment and was granted an extension. XXXX and XXXX updated my account to paid on time but experian has refused to remove this inaccurate late payment and told me due to internal policy they will not remove or update the inaccurate late payment. 
Even after I supplied proof from my lender showing I was never late
Product: Credit card

We applied for a Wyndham Rewards Visa Card serviced by Barclays with a promotional offer that we will receive XXXX bonus points when we make the first purchase with the card ( Wyndham would provide these ) and XXXX extra bonus points when we spend {$1000.00} in the first 90 days ( Barclays would provide these ). We made {$1000.00} in purchases in the first 90 days and it has been several months but we still have n't received the XXXX bonus points. 

After calling both Barclays and Wyndham several times ( they would both tell me the other was responsible for the points and they had nothing to do with it! ), finally Barclays agreed that they were responsible for the points. However now they have a new theory that since my account is not in good standing they wo n't give me my bonus points. I have a credit of {$38.00} on my account for several months now ( yes I overpayed and Barclays owes me money! ). 

On probing further they revealed that there was a late payment on the account. In reality the late payment was due to a Barclays error and not mine. I had setup an auto-payment on the account almost a month before the next payment was due and upon completion of the setup the confirmation screen told me to cancel any scheduled payments to avoid a double payment which I did since I did not want a double payment. Fast forward a month Barclays did not process the auto payment on the due date. I noticed it within a couple of days and called Barclays customer service regarding the same. The representative accepted the error on their side and reversed the late payment fees and processed the payment for the account for that statement. 

Because Barclays made that mistake on their end I had to go through the inconvenience of giving them a phone call in the first place. Later citing their mistake as a reason they do n't give me my bonus points ( without any communication! ) and are just using it as an excuse to avoid giving the XXXX bonus points which they are contractually obligated to. 

Moreover on top of the fact that my account is in good standing and the error they have noted was an error on their side, the contract never mentions anything around the account being in good standing or not. It plainly says that after spending {$1000.00} we will get those points. Barclays is plainly trying to give excuses to avoid giving those bonus points.
Product: Credit card or prepaid card

Barclays rewards closed my credit card on late XXXX due to my balance on a competing XXXX XXXX high balance. When they closed it, it took months to get Barclay 's to send statements. They froze my ability to continue online paperless internet account access. Then I reported them to the OCC and I started to receive statements on and off during XXXX. They have continued to freeze online access on and off as well. Reporting my account late 29 percent of the time I want my history corrected due to their continued unethical collection actions. I have reached out to them several times, Paid the account off and they refuse to assist at all. I have 12 other credit card accounts with 7 plus year history and not 1 late payment.
Product: Money transfer, virtual currency, or money service

My paypal account has been permanently limited for absolutely no reason because i was carefully following paypal rules and i didn't broke any of them. 
I just received payments from friends and family on ( XXXX of XXXX ) the amounts are ( XXXX {$180.00} {$320.00} $ ) it was just a normal payment from my friends but suddenly on XXXX XXXX when i try to transfer money from paypal to my personal bank account they denied it and send an email that i'm no longer able to use paypal with no explanation why .so i called customer support for more than 3 times and every time they tell me that they're gon na get back to me within 3 to 5 days but they don't give any explanation on my paypal and they never get back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is constantly removing points from my score... I have an on going investigation with Experian that I've filled on XX/XX/23 that they still haven't responded to.. Experian lowered my score by XXXX points on today 's date XX/XX/23 because one of my credit cards ( XXXX XXXX ) balance increased by {$95.00}. This account was at a zero balance and the {$95.00} was for an annual fee. I spoke with XXXX XXXX and informed them off what Experian did and they couldn't understand why they lowered my score by XXXX points because of an increase. I've never been late or have I been reported late by XXXX XXXX. I feel as though this is an ongoing thing that Experian is doing. Would like to know what else can be done about Experian that keep reporting negative things on my credit report. From my understanding Experian have been sued for ruing people credit by reporting false information and lowering their scores. I feel as though I'm being retaliated against because of my complaints.
Product: Credit card

CashApp The negative balance of XXXX On XX/XX/XXXX at XXXX am, a debit card ending in XXXX was linked to my account. 
Also on XX/XX/XXXX at XXXX am and XXXX am deposits of XXXX and XXXX were made to the account. Then the transactions were reversed and removed from my balance. 
I received a notification about the card being linked and deleted it twice. I called my bank. 
I was told no card ending in XXXX is attached to my account. I found out about the negative balance on XX/XX/XXXX. I filed a complaint the same day. They did what they called an investigation. They determined the transactions were legit and denied my claim. I received the email about the denial on XX/XX/XXXX. I would also like to know why this took over a month to show up on my account. I used my card without issue in XXXX and the beginning of XXXX.
Product: Prepaid card

They said they turned the money into the government because I delayed using them. The cards say good thru XX/XX/XXXX and XX/XX/XXXX. The back of the card says funds do not expire. I called American Express and all they said was sorry. The money is gone and cant give me proof funds were given to the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to all 3 bureaus asking them to dispute some unknown and unauthorized inquiries on my credit report. I sent the letters on XX/XX/XXXX. I have yet to hear from them in regards to my disputes. The credit companies are not complying with their own policies in a timely manner and I am asking for you help to get a response from the bureaus as well as deletions of inquiries in question. 

Company : Factual Data - Date of Inquiry : XX/XX/XXXX - All three bureaus Company : XXXX - Date of Inquiry : XX/XX/XXXX - XXXX XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX - XXXX XXXXXXXX : XXXX - Date of Inquiry : XX/XX/XXXX - XXXX
Product: Credit reporting or other personal consumer reports

I was under the impression that there would be no hard inquiries into my credit history with requests for credit limit increases and new credit products with the following dates and companies. I would not have sought the credit limit increases or new credit products if I had known or been informed that a hard inquiry would be done on my credit file. I have attempted to obtain resolution and clarification on these matters with both the credit bureaus and companies without a satisfactory resolution. 

I am therefore bringing these complaints to the CFPB to attempt to obtain a satisfactory resolution regarding these items that are now present on my credit report. 

With XXXX Credit Bureau, hard inquires on XX/XX/year> by XXXXXXXX XXXX XXXX, on XX/XX/year> by XXXX XXXX  on XX/XX/year> by XXXX XXXX XXXX, on XX/XX/year> by XXXXXXXX XXXX XXXX With Experian Credit Bureau, hard inquiries on XX/XX/year> by XXXX XXXX XXXX, on XX/XX/year> by XXXXXXXX XXXX, on XX/XX/year> by XXXX XXXX, on XX/XX/year> by XXXX XXXX Fair and satisfactory resolution on this issue would be the removal of the items above from my credit report. 

I thank you for your time and consideration.
Product: Mortgage

I have a mortgage with Nationstar Mortgage and my mortgage payment includes an amount for my homeowners insurance. Nationstar has failed to make the insurance payment again this year and my policy has been cancelled again. This is the third year in a row this has happened and each time it happens the insurance company raises my insurance premium for the next year. I 'm stuck paying higher insurance premiums every year because they will not pay the premiums on time.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.


and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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: Debt collection

Hello, On Wednesday, XX/XX/XXXX I began receiving repeated calls ( at least 4 ) to my personal phone number with an automated message which is as follows ; This message is intended for ****. We've been retained to process and facilitate a civil complaint. Which means you as responded. It is protocol to locate you, either your place of employment or your residence in order for you to be served prior to our client taking legal action. We are attempting to contact you first directly in order to give your statement of descent through mediation. Please contact the mediation department at ( XXXX ) XXXX XXXX. Otherwise, we'll have to list it as a direct receivable. And you'll be notified to appear. This is your official notification. 

I returned the call the same day, no answer, no company name, no option to get to different departments. 

They called again on Thursday, XX/XX/XXXX and I answered. The caller identified me by First/Last Name and last 4 of my Social Security Number . They recounted an old credit card through HSBC ( no account number ) that they state was closed off in 2016, I do not have a credit card closed in 2016, nor do I have any charged-off, or in-collection credit card debt. 

The caller stated that I would be served to appear in XXXX County Court and would provide no information, including account number, or even their full company name, the caller only answered the phone with " XXXX ''. These are the numbers they called from ; XXXX XXXX
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the EOS CCA ( Original Creditor : XXXX XXXX ) still reporting on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover card keeps sending my XXXX year old daughter credit card offers. I have called twice over the corse of two months and they just tell me that her information must be incorrect. I need to file a report, They keep sending out offers It is illegal and I want them to stop. I would appreciate your assistance.
Product: Credit reporting or other personal consumer reports

I was in the process of buying a vehicle already had a pre approval ask that my credit do not be ran with other companies besides the one i was pre approved for which they decided to do as they want and run my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX - Equifax is not scoring my credit report correctly. My consumer credit report was XXXX last month. This month it is XXXX. I make all my payments on time, I am never late. My utilization is below 6 percent ever month.The balances on my accounts are not too high compared to loan limits. None of my accounts have a severe delinquency or a derogatory status. I have no unpaid collection agency accounts. I have attached a copy of my consumer credit report. This inaccurate credit score is hurting me and my family from purchasing from creditors. Please inform Equifax that the XXXX XXXX  XXXX is at fault and the law requires all credit reporting companies to report accurately. I will continue to report complaints to the C.F.P.B if this continues!!!!!!!!!!!!!!!
Product: Debt collection

This account was added to my report end of last year. I have never received correspondence from the company, a dunning letter, or any validation. I have disputed this account twice with the bureaus requesting that the account be verified as I have never had an account in my name with XXXX which Absolute Resolutions shows as the original creditor ( the only thing I have ever had with XXXX was an authorized user account with my mother - which is active ), so I am genuinely confused as to what this is for. Could it be fraudulent? I have been working hard to repair my credit from hardships that happened back in XXXX when I became very ill and was out of work so this new debt for something I have never heard of was completely terrifying. I have sent two rounds of disputes to the credit bureaus requesting verification, but never received any written responses or any proof of this account. Additionally, I have sent two validation letters to the creditor with no response, which is a violation of my consumer rights. I wanted to try submitting a request to you guys before submitting any complaints with FTC and my Attorney General. I know there is a lot going on with the pandemic right now and I have been very patient in a resolution, but it is completely unfair that the bureaus have been given leniency in addressing requests and then failing to do so while consumers sit with legitimate errors and possible fraudulent accounts on their reports. So that's why I am here, I know you guys are essentially Big Brother over the bureaus and creditors and will look into this and provide at minimum some information which the bureaus and the creditor have now failed to do numerous times. I sincerely appreciate your help in this matter as I am very concerned that it may in fact have been a fraudulent account so I really need help in looking into it - thank you kindly!