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

Consumer Financial Protection Bureau ( CFPB ) this is my ongoing attempt to resolve and correct this injustice. Attached are the Denial Notices that should have been offered with Complaint XXXX. These Notices will be added to the already numerous amount of Credit inquiries that currently exist on my Credit History Report which I have been told will remain on the Report for a period of ( 2 ) years. The Credit Denial Notices are based on unlawful and outdated information that was supplied by one of the Credit Reporting Agencies (  XXXX XXXX, XXXX and Experian ). The behavior of these agencies is causing additional inquiries to be posted to my Credit History. It has been my experience that these agencies take turns sharing erroneous information acting out and a reflection of their own prejudices. For the record the Denial Notices indicated that the Creditors supplied with Credit History information indicating that there are and was Delinquencies, public record or Bankruptcy. This incorrect and erroneous information was supplied and offered by Experian. Many attempts have been made to clean and correct the Credit History File over the past 10 years, what Experian claimed took place almost ( 40 ) years ago and the sharing of that information was irresponsible, irrelevant and prejudicial. However what occurred was a Bad Creditor forced me into the Delinquencies and Bankruptcy and for the record I want except or tolerate any Creditors who hide behind bogus agreements and faulty merchandise just like Credit reporting agencies who erroneously and falsely share unlawful and outdated information. The Denial Notices offered the erroneous explanations for why the Credit Applications were DENIED however the bad behavior of XXXX XXXX, XXXX and Experian failed to stop or discourage XXXXXXXX XXXX from approving the $ XXXX Loan. XXXX XXXX approved the vehicle Loan Applications withstanding the current false and erroneous information that was offered by XXXX XXXX, XXXX and Experian.
Product: Checking or savings account

On XX/XX/2021, I received a text message from my Bank, Chase Bank of an unauthorized transaction of {$99.00} from XXXX and to respond yes or no to the text if I authorized the transaction, I selected no and my card was closed and a dispute would be processed and a new card mailed to me. On XXXX the credit was given back to me for {$99.00} however on XXXX the dispute I received an alert in the Chase mobile app the my dispute of {$99.00} was reversed, I called the customer number XXXX and spoke to a representative as to why the dispute was reversed, after a brief hold to check on the status of the reversal the representative stated that due to the card having to be swiped on site of where the fraud occurred that Chase Bank does not have legal action to dispute this type of transaction and that no further action could be taken other than preventing future unauthorized transaction on the card that was closed. Unhappy with the explanation the representative also stated that since the card was in my possession and it was swiped maybe with a duplicate card they can not give me my funds back however if the card was not in my possession then Chase Bank would have to return my funds. This is not acceptable clearly knowing this transaction was detected by Chase Bank Fraud prevention and not being able to help the consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes for all inaccurate information on my credit report with Equifax. checking my file ive noticed alot of data that is hindering my file. please review an delete the items listed to clean my report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

My idenity was comprimised by the XXXX data breach. XXXX and XXXX promptly placed a freeze on my credit report as requested. Experian would not place a freeze on my file unless I paid for the subscription of {$24.00} per month. This is extortion and blackmail ; I refuse to pay them protection money. I went on their web site and was first told it was {$3.00}, they rejected payment. The site upgraded me to {$4.00} for the first month and gave me an alternate for the basic service of {$19.00} or the premium service for {$24.00} per month. When I refused it kicked me off the web site. I have attempted to contact an agent and have been hung up on, transferred to auto phone, and placed on hold for 45 minutes. Letters from me have not been answered. I have repeatedly requested for them not to give my personal information out without my written consent. My XXXX XXXX continues to drop and I spend hours a day denying credit applications due to Experian releasing my information.
Product: Credit card or prepaid card

I made electronic payment to Commenity capital bank of XXXX They never posted it to my card. I have been receiving interest charges and late fees since XXXX XXXX. I provided proof to Commenity and still have not been able to get this resolved.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I keep getting calls from Comenity bank, but I do not have any outstanding debts with comenity bank, or any missed payments. They call from multiple numbers including No Caller ID numbers, maybe 20-30 times a day.
Product: Debt collection

My name is XXXX XXXX, I enrolled in XXXX University online in XXXX I borrowed {$7500.00} to continue my education. After the first semester I withdrew from the course and decided it would be cheaper to take classes on campus. I only used {$5000.00} of the {$7500.00}. The original lender was XXXX. I paid approximate {$3800.00} to this lender the debt was sold to Sallie Mae around XXXX where I paid approximately {$1600.00}. Sallie Mae then turned the debt over to NAVIENT where I paid over {$4000.00} dollars to this debt. I have repeatedly tried to contact XXXX, Sallie Mae and NAVIENT concerning my payments. The payments were auto drafted from my bank account. Over the course of several years i tried contacting these companies. I never received a reply from any e-mails and nor was any of my phone calls returned. In XXXX I was able to contact some one from XXXX concerning my account and was told that they would have look in the archive for my account since the debt was sold to Sallie Mae. I was told that it would take a couple days but someone would contact me. I was requesting a statement from XXXX as to the amount of the original loan and the balance when it was sold. I was never contacted concerning this matter nor was able to contact anyone else from XXXX, Sallie Mae never replied to any of my requests neither did NAVIENT. In XXXX of XXXX I received an e-mail stating that my account was paid in full. I estimate that I paid {$9400.00} on a {$5000.00} debt. To pay the debt off quicker, I increased payments to {$150.00} each month which was automatically withdrawn from my account to pay it off early, My payment was changed to {$57.00} each month by the lender. It took me over 11 years to pay this off.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are incorrectly reporting : Incorrect Address : XXXX   XXXX Incorrect Address : XXXX XXXX XXXX The status is incorrect on the following items : XXXX/XXXX XXXX  - Date Opened : XX/XX/XXXX ; I was never late 30, 60, or 90 days late from XX/XX/XXXX - XX/XX/XXXX Credit Central - Date Opened : XX/XX/XXXX & XX/XX/XXXX ; I was never late 30 or  60 days late from XX/XX/XXXX - XX/XX/XXXX Credit Central - Date Opened : XX/XX/XXXX & XX/XX/XXXX ; I was never late 30 or 60 days late from XX/XX/XXXX - XX/XX/XXXX Incorrect Public Record Information : I never filed Chapter XXXX bankruptcy ( XXXX  ) I never authorized the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX - 2 Times 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

I am a XXXX yr old victim of identity theft. i have on file with transunion a id theft affidavit and ftc complaint. Although the fraudulent accounts were cleared. The inquiries still remain and more have come about.Also transunion had a server error where a ton of inquiries were deleted from customers reports and added back on.Only one thing. They failed to do the procedure lawfully. Lease be an intemediary to make sure to delete all the inquiries that should have been deleted. in the first place. I HAVE NOT APPLIED FOR CREDIT IN THE LAST 10 YEARS!! PLEASE DELETE
Product: Credit reporting or other personal consumer reports

I sent letters to the credit bureaus regarding 1 debt collectors ( WELLS FARGO ) who engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to {$1000.00} per violation and Cleary they violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

. The following personal information is incorrectAccount Number : EMPLOYER : XXXX. The following personal information is incorrectAccount Number : EMPLOYER : XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX. The following personal information is incorrectAccount Number : PREVIOUS ADDRESS : XXXX. The inquiry was not authorizedXXXX XXXX XXXX XXXXDate of inquiry : XXXX. The inquiry was not authorizedXXXX XXXX XXXXDate of inquiry : XXXX. The inquiry was not authorizedXXXX XXXXate of inquiry : XXXX. The inquiry was not authorizedXXXX  XXXX XXXX XXXXDate of inquiry : XXXX. The following account is not mineXXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Transunion a letter months ago informing them of the inaccurate information they are reporting. The account XXXX XXXX XXXX XXXXXXXX should be deleted from my credit immediately because it was purchased by another lender and they are already reporting the account as a collection. Transunion is committing double jeopardy and I will be seeking legal action if this account is not removed immediately. The collection agency that purchased the account and is reporting on my credit report is XXXX XXXX XXXX XXXX. I have attached my credit report showing that both of these accounts are reporting illegally. Please delete this account from my credit report within 15 days
Product: Debt collection

On XX/XX/XXXX I informed One Main Financial Branch Manager XXXX XXXX that I was filing for charter XXXX bk and obtained the services of XXXX XXXX XXXX XXXX.   Instead of coding account as bankruptcy. XXXX XXXX aided me into signing a loan modification agreement that was communicated to me deferring the payments until XX/XX/XXXX and my credit report will be okay until that time. After signing agreement which clearly has a due date of XX/XX/XXXX. I was tricked into thinking deferred payment however XXXX XXXX didn't tell me I would be negative affected credit reporting for XX/XX/XXXX and XXXX.. Poor collection practices. I have a copy of loan modified agreement for review also. In addition this company failed to report accurate credit reporting for XX/XX/XXXX despite be making a payment for that month.
Product: Mortgage

I was offered terms to refinance a current FHA home loan, and proceeded with the loan origination. They were made aware that the seasoning requirement from a previous short-sale was not going to be met until the end of XXXX 2015, however I was assured that they can originate the loan sooner, but would not close it until the seasoning timeframe was met in XXXX. As we neared closure, I was then informed that the underwriters would not accept the loan since it was originated prior to the seasoning requirement, and was not acceptable even if closure would not happen until XXXX. This was not in alignment with what I was originally told. The rate lock then expired and another loan was originated in XXXX. This loan then sat waiting for " pricing exemptions '' and other rate adjustments that the loan officer was trying to push through to match the original terms from the 1st origination. This then lead to another expiration of the rate lock. Now, the mortgage company is offering me terms that are much different from what was originally agreed to, which includes a higher loan amount to cover the rate re-lock fees ( which expired due to issues on their end ), as well as to cover PMI, which they said was going to be lender-paid in the original terms. They 've also done a 2nd appraisal to on the property in order to try and further adjust terms and costs.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion refuses to remove a federal Stafford loan that was approved for XXXX Discharge on XX/XX/XXXX and met the 3-year post-discharge monitoring period on XX/XX/XXXX. XXXX, the loan servicer for the U.S. Department of Education stated by letter that the loan would be reported to credit reporting agencies as discharged. TransUnion continues to report the loan as an unresolved dispute, not specified. Furthermore, since the loan was connected to a proven fraudulent student loan history that is massive known fraudulent signatories and a wrong university I never attended, I requested that the loan be removed from all credit reports and not re-posted. Additionally, TransUnion re-posted a phone number that was disconnected more than 3 years ago after removing it and informing me by letter that no phone numbers would be put on my credit report. I asked all credit reporting agencies to not post any phone numbers to my credit reports since I change the number frequently, sometimes 4 times in a month. All credit reporting agencies have compiled with the request to remove outdated, inaccurate information, and also, removed the student loan that is no longer subject to monitoring and thus no longer subject to being reported - every credit reporting agency except for TransUnion. The other credit reporting agencies, including XXXX, are reporting correct up-to-date information, no phone numbers, and removed the loan that is connected to massive fraud.
Product: Credit card

I was in XXXX, and I have charges I never made. I believe someone must of had a chip reader. The charges are for {$340.00} and another charge of {$230.00}. My friend i was on vacation with also had charges on her card that were scam. I have contacted my bank and they reviewed the charges. The time stamps do not match up. They said they would investigate further. Today I received a email stating the charges in dispute were not in my favor. They agreed with the merchant whom Ive never heard of nor, have been there to the establishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered a settlement of XXXX dollars ( which I paid ) to settle my account with GM Financial. I also have written documentation that states " our client ( gm financial ) will report the account has been resolved for less than the balance '' ( XXXX XXXX ). Instead of reporting the account accurately, they reported my account as if if I STILL HAVE A BALANCE DUE ( XXXX and XXXX XXXX ). This mistake dropped my credit score XXXX pts. I disputed this, reached out to GM Financial regarding this and within a week they reported the account as " XXXX missed payment '' and that my payment is currently late ( XXXX ). THIS IS AN INACCURATE report and a FCRA violation in which they fail to understand. This second mistake caused my credit score to drop XXXX more points ( IMG XXXX ). This makes XXXX sense IMPORTANT FACTOR : This account was charged off XXXX yrs ago in which I already took a hit to my credit for at the time. 

There is no way I should be penalized XXXX  times especially after paying the agreed upon settlement. In the least bit XXXX shouldnt have lost any points. 

Since I paid the settlement balance and have in writing they would report the account as being resolved, I am looking for Gm Financial to erase this account off of my credit report returning my credit score back to normalcy. If Gm fails to resolve this I have no problems getting lawyers involved.
Product: Debt collection

In XXXX I got married and moved to a home with my husband ( XXXX ). I had XXXX for cable and internet, as did he. We merged our accounts. We had a technician come to our new home who looked at all our old equipment from both homes and said they were obsolete and he could not use them and he then installed new equipment and left all the old equipment. Several months later ( XX/XX/XXXX ), I received communication from a debt collector ( XXXX XXXX XXXX XXXX ) regarding owing {$1400.00} in equipment fees and last month bill. I immediately paid the past due amount for the last bill ( even though we still had XXXX at our new residence and they had never sent notice to us ) and then took the equipment I had to the XXXX store where they logged it in and returned it to XXXX. XXXX then claimed we still had {$400.00} worth of equipment, which I denied on XXXX and requested proof of owing any equipment as we had turned in everything we had in our possession. I received nothing from XXXX, and the debt collector told me they were closing the matter. That was in early XXXX. 
Approximately XXXX, I noticed a new entry for a debt collection on my credit report from Credence Resource Management for around {$400.00}. I had never received notification of any past due account from them or XXXX since XXXX. They told me it was for the XXXX bill. I disputed that I owed it and told them I felt it was illegal to report it on my credit report as I dispute the bill entirely and they and/or XXXX should pursue this in the legal venue. I received no further communication from them. My address was the same as it was in XXXX, as was my telephone number and e-mail address. I received a notification from XXXX that, again this month, Credence Resource Management has posted a past due account in collections. They have not contacted me via mail or email or phone. I have never at any time received a validation notice from them either now or in XXXX. They have never communicated with me in writing, even after our original communications in XXXX where I requested all communications occur in writing and provided them my correct address and e-mail address to verify they had it. I feel this is a fraudulent attempt at collections. I have at all times vehemently denied that I owe this debt and have at all times requested proof of owing this debt, and I have never received one shred of evidence. This continual refiling of an old debt on my credit report is harassing and improper, in my opinion. The original dispute happened in XXXX of XXXX. It is now XXXX of XXXX, yet they are still reporting this on my credit as a new account from XXXX. This company is acting outside the bounds of good-faith attempts at true debt collection and should be held accountable for their illegal and harassing actions.
Product: Credit reporting or other personal consumer reports

I requested for the investigation to be more accurate and to show me th prrof of the bebt they never did I feel tierd and I am XXXX  and cant do anything more
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected consumer Right to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX ( Original creditor ) Opened : XX/XX/XXXX {$770XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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
Product: Checking or savings account

Pursuit to 18 USC 8 I owe no debt this company has violated my Consumer right and privacy pursuant to 15 USC 168This company also has NO permission to report. pursuant to 15USC1602 pursuant 15 usc I opt out
Product: Credit card or prepaid card

I have 20 years of perfect credit history this one account with PNC was a couple months late due to covid and my being on unemployment it was negotiated and paid in full and I believe the federal government protects consumers against this negative credit reporting during covid and I want it removed
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX XXXX XXXX on XX/XX/XXXX, a personal loan account opened with XXXX XXXX XXXX XXXX on XX/XX/XXXX, and collection accounts opened with XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries from 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 XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/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 XXXXXX/XX/XXXX XXXX appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX will not remove collections that don't belong to me and i have disputed them several times there are several collections that stay remaining on my report even a collections that is over XXXX XXXX XXXX that hasn't been removed