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

I was unsure as to whether or not this complaint should be " filed '' under the store credit card or under the consumer credit-reporting agencies. 

I am 69 years of age, and keeping an unblemished credit score for the past 55 years is something in which I take great pride.

Prior to this situation, my credit score was XXXX. 

Due to not having received a monthly statement for two consecutive months from my XXXX XXXX XXXX XXXX XXXX XXXX from what I've been able to gather was for a balance of ~ {$57.00} -- my once unblemished credit score took a XXXXpoint nosedive to XXXX. 

A drop in my credit score from XXXX to XXXX -- over a balance of {$57.00} -- seems very heavy-handed to me. 

I've chatted with XXXX ( on XX/XX/year> at XXXX ), XXXX XXXX also on XX/XX/year> at XXXX ), XXXX ( on XX/XX/year> at XXXX ), and one other employee of XXXX. 

Simply stated, I am infinitely more concerned about my credit score than I am with a {$40.00} late fee and minimal interest. 

When I chatted with XXXX, she explained that according to her computer, the two statements that I didn't receive were, in fact, sent to me by XXXX. I know I didn't receive them. Although I wasn't thrilled with sharing the following, I said : " OK. Let 's accept that you sent me these statements. Do you have proof that I received them? '' My personal policy is to pay my c.c. balances only upon receiving statements. Mind you, for many months, my XXXX balance was {$0.00}, as this c c. is one that I use only at XXXXrelated retail stores. 

It was also shared with me that, " When an account is 30 days past-due, the account is reported to the credit-reporting agencies! '' Lastly, XXXX " removed '' a late fee of {$16.00} as well as interest of {$2.00}. 

And yet, my credit score dropped from XXXX to XXXX ( 109 points ) over a balance of less than {$60.00}. 

I appreciate your assistance in advance, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been ran numerous times in past few years without my knowledge! They are unable to provide documentation that I have submitted inquires. Asked them to be removed and unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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  XXXX  XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX, U S DEPT OF ED/XXXX/XXXX, XXXX, XXXX XXXX XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX.
Product: Checking or savings account

This is my second complaint in an attempt to remedy the situation. 

My Revolut Business Account has been temporarily blocked for the last 15 weeks. I can not access the account via the app or online. 

I have attempted to contact Revolut Business via the online chat system and have not received a satisfactory response as to why my account is blocked and when I can get access to my account funds over the last 15 weeks.. my last chatRevolut requested a copy of my passport and a picture holding the passport and new banking information where the funds could be forwarded. This was provided. I have not heard from Revolut in that time. I can no longer access Revolut support using my standard credentials The customer service is extremely poor with no ability to call and speak to a bank representative. All communication is done via chat through the application. Very often responses takes several hours during a chat. 

I would just like to access my money and close the account.
Product: Student loan

My daughter tried talking to Sallie Mae the lender and was told informally that she would have to be past due for three months before they would help her. I am co-signed onto this loan and apparently they are now coming after me for payment. I have received several phone calls from them and the voicemail asks me to call them.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ( 1. Account Name XXXX XXXX XXXX XXXXccount Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

2. Account Name : XXXX Account XXXX : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report Please provide proof of all late payments. and update the balance to current or delete the negative payment status on this account. 

3. Account Name : XXXX Account XXXX : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Date of Last Activity : Inaccurate XX/XX/year> Close Date : Inaccurate XX/XX/year> Payment status Inaccurate These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Debt collection

On XX/XX/2021 I sent a letter to COMMONWEALTH FINANCIAL. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

I am reporting an issue under Section 605c of the FCRA ( Section 605c of the Fair Credit Reporting Act ). Thank you for your attention to this matter and express your hope for a prompt response. I am reporting an issue of inaccurate information of numerous accounts that is not mine. This information is highly affecting my credit score and my ability to secure loans. Please remove these accounts. These accounts are not mine. 
Please have these accounts removed as soon as possible. These accounts listed are not mine. 


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

This debt was paid in full last year I provided court documents and statements from collection agency
Product: Mortgage

Good Day, We were in the process of a deed in lieu of foreclosure on XXXX XXXX XXXX select portfolio servicing contacted us to let us know that our first step would be a walk thru to see the condition of the property.XXXX XXXX we were given written confirmation that we could proceed after we were completely out to contact them so we could be inspected .on XXXX XXXX, XXXX i then contacted XXXX.to let them know we had vacated the property they the replied oh we are so sorry we sent that document out prematurely and you can move back in so we can work out something there is a lien on the property after going back an forth for several months the title was cleared and we began the process again. XXXX XXXX this year we signed our closing deed in lieu at that time we were told nothing else was required from us and that the property did not have to be reinspected because it was done in XXXX XXXX so at this point we would just be notified.On XXXX XXXX i was then informed that we were denied because of a I.R.S. lien that was on the property i contacted the I.R.S. the representive said for me to contact a attorney because someone in the mortage company dropped the ball because the debt had been there since XXXX XXXX i feel we were treated unfair.
Product: Money transfer, virtual currency, or money service

Hello My account has been hacked I submitted an unauthorized appeal But it was wrongly rejected Please help me further submit the appeal Transaction ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX, I have contacted all credit bureaus and have received absolutely no response for 90 days and i'm fed up and in very bad health because of the stress of this situation has caused a severe XXXX XXXX increase dealing with this dead end of no responses. 

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. 

Account name : XXXX XXXX XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX bank # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  XXXX XXXX # XXXX, has violated my rights as an American with XXXX ( XXXX ) and as a consumer anXXXX XXXX XXXX none of the credit bureaus have responded to my inquiries to investigate these accounts and its been over 90 days and no response from any of them this is a violation of 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 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. 

I asked all 3 bureuas for a copy of a complete investigation of all these accounts and have received no response in 90 days they are breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

possible finance {$100.00} date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX i have tried to dispute this account multiple times and they keep coming back as " verified '' even though i have sent a police report for these items they still wont remove it off my credit report i justed called XXXX XXXX XXXX on XX/XX/XXXX @ XXXX @ XXXX and the representative told me that i dont have an account with them i gave them my socail and everything.
Product: Credit card

This is in regards to an online scam I fell victim to from Purchaser XXXX for {$100.00}. I thought i was purchasing investment research, but it turned out to be a Stock picking scam.
Product: Credit card or prepaid card

I had over a {$7000.00} credit balance on my CITIBANK Costco Visa card that I wanted refunded. Citibank told me they had to take three days approve my credit balance for a refund and another 7-10 days to send a check. I told them it was my money that had been refunded by Costco and did not require their approval for a refund. They insisted that it was required under federal reserve rules which is not true. I closed my account immediately and told them I wanted an immediate refund as I am no longer a cardmember. I want my credit refund and I want a fraud investigation into Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my personal information. I tried changing emails, and phone numbers but it seems like I cant get my identity to be safe. I will protect my identity on my own Experian XXXX XXXX and XXXX XXXX please remove fraud alert from my credit report. I am seeking a home. Please block fraudulent accounts on my credit report which is XXXX, XXXX, etc. I already put on a FTC report weeks ago into this matte. XXXX XXXX is also missing from my credit report. Im a victim in XXXX XXXX   credit breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX please update my address
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 

XXXX XXXX - {$250.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$700.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$3200.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$140.00} Last Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$2500.00} Last Reported : XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 604 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 authorization.
Product: Checking or savings account

I reported a fraudulent purchase to Chase bank back on XX/XX/XXXX for the amount of {$1400.00}. They returned the funds to my account and told me that the money would remain in my account until the investigation was over and a determination had been made. On XX/XX/2023 I got an email saying that my claim had been overturned and that the amount of {$1400.00} would be taken out of my account because the merchant had evidence the transaction was valid. The email also went on to say to contact Chase Bank Claims Department if I would like to request the information they used for the research of my claim. I have contacted the Chase Bank claims department at least 6 times since XX/XX/2023 to request the information used to research my claim and still have not been sent the information. Every time I call the claims department they apologize and tell me that they will resend the information to my address and that it will be at least 10 business days before I get the information. I have confirmed my home address with Chase Bank at least 5 or 6 times and for some reason they can not get me the information that I am requesting. I have even spoke to a supervisor and still have not received the information I have requested several times. At this point I dont even believe that my claim was researched because I can not get the information to prove it. Im starting to believe that the Chase Claims Department just took the merchants word for it instead of researching my claim.
Product: Checking or savings account

On Thursday XX/XX/2024, I filed a fraud claim for a merchant I have never used called XXXX XXXX The customer service agent stated my card would be shut down immediately and I would receive temporary credit for the amount of XXXX. The investigation can take up to 10 days. Up to this day, I have not receive a claim or reference number from Wells Fargo. No phone calls and I have called 4 times about this matter. They are not handling my claims properly and this is against ALL banking guidelines. They are illegally handling my fraud claim and need help escalating this.
Product: Credit reporting

I have been working with Equifax for almost the entire year to resolve their claim to put information on my credit report that has not been verified. I have sent documentation to them to ask for verification but they have failed to answer my complaint. The issue I have is a bankruptcy that I asked to be verified, they did not respond, I have a letter from the South Carolina XXXX court which states that they do not report information to credit bureaus, when I challenged Equifax, they did not answer my specific complaint nor remove the bankruptcy and items relating to it. I have hired a lawyer to fix issues where the credit company was using my son, who has the same name, his information was showing up on my credit report. All I ask is the removal of the said bankruptcy from my file since they did not respond to my complaint within the allotted time prescribed by the law. I have supporting documents, but they are numerous, I will gladly mail them to you if you request them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Capital One yesterday about an account that was opened in XXXX of XXXX and closed in XXXX. They continue to report late payments even though the card is paid in full and closed. 

This last time they reported 120 day late payments every month from XXXX. This is having a substantial and negative impact on my credit score. 

I have spent 3 years trying to resolve these issues. They continue to report as if my card were open and I am making late payments. 

I asked them to look into this account and why it is reporting late and they say the can not find the account and that there is nothing they can do. 

The told me that all I can do is dispute it with XXXX. 

I told them that they are reporting it to XXXX  so they need to fix the problem and stop reporting late payments. They refuse and they will not take responsibility for their problem and fix it. 

Please help me resolve this issue so Capital One doesn't continue to report late payments on an account that was paid in full and closed more than 10 years ago. 

Thank you!
Product: Credit reporting or other personal consumer reports

Here is a list of the unauthorized inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX, XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX I demand that you delete these inquiries immediately and send me a new, updated copy of my credit report reflecting these changes. I am not requesting. I am telling you to comply with the law. Take action now. If you think I wont follow through on this, just wait and see. Consider this your first and only warning before I take this to court
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a authorized user on my cousins XXXX account for some reason it never updated me on equifax and XXXX It only shows on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported collections on Transunion and XXXX. These debts are not mine and I am not aware of what even these dollar amounts are for. Both credit agencies did not validate the debt even though they said they did. 

I have no knowledge of them, they are not able to validate the debts amounts and what services were provided to come to the dollar amount stated. 

Transunion has two collections from XXXX XXXX {$610.00} {$2300.00} XXXX has four collections from XXXX XXXX {$610.00} {$2300.00} {$60.00} {$60.00}
Product: Credit reporting or other personal consumer reports

hi all, how this is possible they approved me for this card and now I have a HARD INQUIRY on my credit.. I dont think that this is afair on my end .. this need to be removed immediately.. till XXXX  woow. also BEST BUY ACCOUNT AND MACYS CREDIT CARD IS CLOSE STILL SHOWING NEGATIVE ON MY CREDIT WHY?? i need to remove this please
Product: Credit reporting or other personal consumer reports

Ive reached out to all 3 CRAs several of times on numerous occasions in regards to fraudulent accounts thats on my credit reports from the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XXXX XXXX XXXX XXXX opened on XXXX XXXX XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX opened on XXXX, XXXX XXXX opened on XXXX.
Product: Debt collection

I am writing to file a formal complaint against this company for engaging in debt collection activities in the state of Alabama without the proper licensing. According to my research on the XXXX XXXX XXXX database ( XXXX ), this company does not have the required license to operate as a debt collector in Alabama. 
I was contacted by them regarding an alleged debt. Despite their communication, I have confirmed that they are not licensed to collect debts in my state, which I understand is a violation of Alabama law and federal guidelines under the Fair Debt Collection Practices Act ( FDCPA ). Their actions raise serious concerns about their compliance with legal requirements. 
I am requesting that the CFPB investigate this matter to determine if this is violating consumer protection laws by attempting to collect debts in Alabama without the appropriate licensing. Their failure to comply with licensing requirements not only undermines consumer rights but also places undue stress and potential harm on consumers in my state. 
Attached to this letter are the following documents for your review : Copies of correspondence I have received. 
A screenshot or printout from XXXX XXXX XXXX showing their lack of licensing in Alabama. 

I kindly ask for your assistance in addressing this issue and ensuring that they are held accountable for any violations of federal or state laws. If further information is required, please do not hesitate to contact me.