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

My Social Security was ringing without my cas and I would like to report these XXXX XXXX increase thats on my account that I didnt know anything about, I reached out an your customer service will not help me take care of the negative inquiries reporting to my credit. 

XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. Sensible XXXX XXXX XXXX. XXXX XXXX XXXX XXXX I would please like for these XXXX hard inquiries to be removed please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were inaccurate items on my credit report which are UNKNOWN to me. This is disappointing because I have been disputing fraud items on my credit report all this time. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any items which are opened without my knowledge, consent or authority. I am expecting that these items be removed immediately : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$5400.00} ; XXXX XX/XX/2021.
Product: Credit reporting or other personal consumer reports

According to Section 605B of the Fair Credit Reporting Act ( FCRA ) gives consumers the right to request that credit reporting agencies ( CRAs ) block the reporting information on their credit report that was the result of identity THEFT. Because my information was disclosed on the Data Breach : I have several fraudulent accounts that should be removed. 
XXXX. ) XXXX XXXX {$570.00} XXXX. ) XXXX XXXX XXXX$850.00} These Accounts are due to the Data Breach, therefore they should be removed immediately from my consumer report. 15 U.S.C 1681... PROMOTES THE ACCURACY, FAIRNESS, AND PRIVACY OF PERSONAL INFORMATION...
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I opened a Business Checking Account at Huntington Bank. 

Since the opening of my account, I have been charged a XXXX XXXX  monthly " Fraud Protection Service Fee. '' At no point did I sign up for this service, and this fee was not disclosed to me during the account opening process. I have contacted the bank multiple times requesting to be unenrolled from this service, yet my request has gone unaddressed, and the fee continues to be charged to my account. 

On XX/XX/year>, I noticed a {$5.00} " Statement Charge '' on my account. I am enrolled in electronic statements, and I have never received a paper statement. As such, this charge is not only unnecessary but also incorrect. I request an immediate refund of this charge and confirmation that I am not being charged for paper statements. 

On XX/XX/year>, I was charged a {$20.00} " Monthly Service Fee '' despite switching my account to a No-Monthly Fee account prior to this charge being posted. This change was confirmed before the fee was applied, and yet the fee was still deducted from my account. I expect this charge to be reversed, and my account status should reflect the No-Monthly Fee structure.

I have reached out to the banker who opened this account for me and Huntington Banks customer service multiple times to resolve these issues. Unfortunately, I have received vague responses, with no real resolution or corrective action taken. Each time I follow up, I am told that I should not be charged these fees, but nothing has been done to fix the situation, nor have I been refunded any of the fees.
Product: Credit reporting

Experian is reporting a negative account that does not belong to me. This account was previously deleted from my file by the creditor as it did not belong to me. I am attaching the response from the creditor deleting this information. The original creditor is not listed but it is for the same amount as the previous account. Experian is not allowing to make any online disputes and I am not able to speak to a representative as you need a report number to do so. They continue to report erroneous information and refuse to do anything about it.
Product: Vehicle loan or lease

made a paymt on line. Which was last week, still did not post
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my monthly XXXX report from Transunion. My credit score dropped XXXX points due to paying off my mortgage so I do not have an installment loan. I have had over XXXX as my credit score for years. Nothing has changed. I will not take out a loan just to raise my credit scores. My XXXX is XXXX and my XXXX is XXXX. I tried to call Trans Union and the service rep just sent me back to XXXX XXXXXXXX XXXX, who told me they couldn't do anything. 

As far as I am concerned Making me take out a loan to raise my credit score has something nefarious about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

discover Bank account number XXXX XXXX  that is on my credit report it's inaccurate last day active for XXXX it shows XX/XX/2022, for XXXX it's XX/XX/2022, and for XXXX it's XXXX 
therefore this is totally inaccurate and does not need to be on my credit report please delete this immediately
Product: Credit reporting or other personal consumer reports

I am submitting a complaint today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to file an identity theft report through https : //www.ftc.gov and Per FCRA section 605B, XXXX, Equifax and XXXX Credit Bureaus are required to remove and block any inquiries listed on an id theft report and, ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Please see the ATTACHED documents to assist in the removing of the specified inquiries which are being posted to my credit reports. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX were all mailed letters disputing inaccurate information on my report. They are all reporting different data for the same accounts on my report. ( see attached letters ). My letters were all sent certified and they have all surpassed the thirty day period from the day it was delivered and sent me no update as to why they are reporting incorrect information. This is hurting my ability to obtain credit and they are in violation of my legal rights failing to investigate and update or delete these accounts. 

I have asked them to Please remove these accounts from my credit report do to the fact that there are different dates last active reported by each bureau. How can there be different dates when this is what stipulates when the account naturally falls off of my credit? 

I also have an account khols which has surpassed the 7 year mark and is still showing as a negative item on my report. 

I also asked them to delete an account due to the fact that there are different late payment status displayed for all three credit bureau 's. How can each be displaying different information if the information on my report is supposed to be reported correctly? Experian Was 30 Days Late XXXX Time ( XXXX ). 
Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ), XXXX Was 30 Days Late XXXX Time ( XXXX ). Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ). 

XXXX Was 30 Days Late XXXX Time ( XXXX ). Was 60 Days Late XXXX Time ( XXXX ). Was 90 Days Late XXXX Time ( XXXX ).
Product: Credit card

In XX/XX/year> I tried online to redeem my Rewards Points on my Citi Dividend Card, which amounted to over {$160.00}. The choices were to receive a check in the mail or to have it deposited into my bank account. Unfortunately I opted to receive a check. I never received it despite numerous phone calls between XXXX through XXXX and a letter mailed to their " Contact Us '' address on their website. I was always told on the phone that a new check would be issued and mailed, and my mailing address was verified several times. I asked them to deposit it instead and they said they couldn't do that. The last time I called, the Rep hung up on me when I asked him his name. According to their website, my Rewards Check has been redeemed. If it was redeemed, it was not redeemed by me. 
I want to see a copy of the cancelled check and report it stolen. I hope you can help me recoup my check/payment.
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$360.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit card

Did you know that XXXX prices rides higher when using an American Express card than other credit cards? The EXACT fare is about XXXX % higher when you use an Amex card to request an XXXX ride. I have done dozens and dozens of tests and every time this happens. XXXX refused to admit or deny this and it is likely in concert with American Express because Amex give a monthly XXXX statement credit and this is offset by higher prices. This is collusion and easily proven.
Product: Credit reporting or other personal consumer reports

lam submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).
Product: Credit reporting

I spoke with the US Dept of Education in XXXX today regarding my $ XXXX student loan. They stated that they reported to the credit agencies way back at the end of XXXX, 2015, that my account was paid in full and that all remarks and negative history should have been removed. They said that it is the obligation of the Credit report agencies ( all XXXX ) to remove all information off my account permanently so it does not stay on my report for XXXX years. All this derogatory information is still on my credit report and it is now almost XXXX!! I have to move and this credit score is disrupting my life and unjustified!!
Product: Debt or credit management

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such of debt, in fact therefore exists I do not recognize how this account is reporting on my credit report, I dont recognize the account, I dont recognize the account status, I dont recognize the high paid balance, nor do I recognize the late payments associated with it
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company keeps reporting me late at the beginning of every next month while I'm in a forbearance plan. The hurt I suffer from watching my personal credit take such a huge hit in having a negative score is very depressing to me and our family. I literally have high BP from all this stress they'd cost me and my family. We'd been fighting this issue for 7 months straight. PennyMac is my mortgage company. We could really use some help on our end here. We have a house full of XXXX children and can't live in peace knowing I cant qualify or a refinance because my credit score keeps showing a late status. The crazy thing is it's always showing me late at the beginning of every month. 
I don't even think that's legal. I always thought you had to wait until the month-end for the thirty days late in order for a company to mark you late? But please someone help me get this issue rectified. XX/XX/2020 late marked by the mortgage company I've tried everything from call to sending letters for about the previous months being late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting closed and paid accounts as still open. This is still having a negative effect on credit score. They are using too many accounts with balances that are paid off and closed to deny credit. Derogatory public records or collections filed. Too many accounts with balances. Proportion of loan balance to loan is too high. After reviewing my credit report I noticed several errors. XXXX XXXX is reporting all accounts including loans paid off and no longer active as total dept and balances. They are reporting to lenders that I have to many derogatory comments and collections. The credit reports show only 2 collections filled against my report. One for {$180.00} and one for {$780.00}. They are reporting too many accounts with balances. That is because they are not telling lenders accounts that are closed and paid in full as open accounts with balances. They a reporting the wrong income to ration ratio on credit report.
Product: Credit reporting or other personal consumer reports

I am trying to get my credit report from XXXX and Equifax. Both the online customer service and XXXX and Equifax can not find my consumer report. 
Mortgage Companies and Banks also have not been able to get my XXXX and Equifax Credit Report. 
Both XXXX and Equifax have told me that there are no security freezes or fraud alerts on any of my information.

I need my credit reports in order to get a mortgage. Please contac
t XXXX and Equifax and request this to be corrected and forward a copy of my credit report to my home address and email : XXXX XXXX
Product: Credit card

XXXX XXXX, 2015Diamonds InternationalXXXXXXXX XXXX, XXXX XXXX Sir or Madam ; Please be advised I intend to continue my dispute for the transaction amount of {$17000.00} on Diamonds International account XXXX. I want to exercise in good faith my right to withhold further installment payments for the purchase of XXXX, which had been returned and received by D.I International office in New York on XXXX XXXX, 2015I do not owe your company additional installment payments totaling {$17000.00}. Again, The merchandise had been returned! Making further installment payments for a document that states " Store Credit Voucher '' totaling {$17.00} is beyond me. First, I have not received the voucher and second why am I buying it? ( literally ) I do not understand as to why D.I will not just credit my account since your credit card company is XXXX of the same as the merchant. I have sent certified letters and emails to your company requesting to do a charge back to no avail. Actually, D.I International credit card owes me a refund of {$380.00}. I have sent a payment of {$610.00} minus {$230.00} ( amount not in question ) leaving a positive balance of {$380.00}. 
I have not lost hope for your company to understand my dispute. Hoping for a positive response. 
NOTE : At the time of purchase, retailer failed to provide their return policy. 
Retailer had no conspicuous display of their No Refund Policy outside or inside the store, failed to provide its No Refund Policy anywhere in front of the sales receipt, and retailer 's sales representatives failed to inform me of store 's No Refund Policy before and/or after signing sales agreement. It was only when I attempted to obtain a Return Merchandise Authorization was I informed of retailer 's no refund policy in fine print located at the back of sales receipt. 
Cc : Consumer Protection Agency/ XXXX Consumer Financial Protection Bureau/ Federal Trade Commissions
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Credit Reporting Agencies via Disputed letter after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that the late payments on the following accounts be corrected and fixed as soon as possible : XXXX XXXXXXXX Balance : {$14000.00} XXXX  XXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$31.00}. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law.
Product: Credit card

Kindly review the attached documents. I am urging the bureau to start an investigation into these accounts where I am never late, yet they erroneously report me as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma has used false and deceptive practices in reporting my chances of approval for a credit card from XXXX  XXXX. They have stated that I had a good chance of approval so I applied and was denied credit card.furthermore it has damaged my credit file in which I seek remedy and since I was denied credit I want this iqury removed
Product: Checking or savings account

On the XXXX A couple of hours prior to my paycheck deposited I received notice from Chime services, the bank I bank with online, saying that they closed my accounts for not being in compliance. They sent me a link to look at all the compliance rules and regulations and the only one I can think that it would be referring to is a secure credit card that I opened up maybe a year after my checking account. Basically about six months ago I ordered all new cards. A secured credit card and my debit card and none of them came in the mail. After contacting them and telling them it never came where is it and then moving out of my unit I finally got someone to look deeper into it and she said the order never went completely through and I would have to wait another week. I updated my information with them prior to moving but about a week later when my debit card did come it was only my debit card and not my secure the secured credit card was never reissued. So because I never got it I stopped having my paychecks put on a card I didnt have in my hand. Mostly whats really frustrating with this situation is that now that Im no longer considered a chime customer I am unable to speak to anybody in regards to any of this. I had called the customer service number and it says they found my account under my phone number and its close and I can send them an email and I only get back a computer generated response. And all that says is it close my account compliance with my secured credit card I dont that I never received it and thats all it says sorry for this inconvenience. They have my entire week of pay and this computer generated message says they have up to XXXX turn my money I cant go that long without my paycheck my rents due and now Ill get late fees at XXXX a day till I pay it.. I dont understand how they can all three of my accounts are not using my secure credit card this is messed up so much right now I cant even put it into words. I feel robbed and They should be required to consider all customers to still be a customers even after an account is closed for at least 30 days so theyre can be communication. Specially when money is involved
Product: Credit reporting or other personal consumer reports

CREDIT COLLECTION SERVICES is in violation of multiple laws set forth by Congress in regards to the following account # XXXX reporting to XXXX XXXX XXXX and XXXX XXXX 15 U.S. Code 1681b ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. I have never provided written permission for such accounts to be reported on my consumer report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( CREDIT COLLECTION SERVICES ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, XXXX and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. Furthermore, 15 USC 6802 ( b ) ( 1 ) ( B ) states the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I have never received any form of notice to opt-out of my nonpublic personal information to be shared with unaffiliated third parties. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Product: Prepaid card

Amex gift cards are advertised to work as a normal card work, but often get declined at many online and physical locations. This makes them impossible to use. Company response is to use the card at a different merchant, which makes the card unusable as intended. 

XX/XX/year> - loaded card with {$750.00} XX/XX/year>- attempted to use card to pay federal income tax at XXXX XXXXXXXX XXXX XXXX but card was declined multiple times Customer service number on website is entirely automated and does not help with declined transactions. Adding the card to XXXX XXXX did not help.