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

ive tried to dispute account with XXXX XXXX I asking for method of verification because account is reporting dispute resolved. over 30 days have passed, and I have yet not received any verification on acct. I do not agree with report investigation results because I have no clue how this account was verified. Account is stating inaccurate reporting account open, derogatory, collection charge of all at the same time. There is no way that account can be derogatory if reporting account as collection. Account is also stating in accurate reporting account has open derogatory collection charge of all at the same time there is no way that account can be derogatory if reporting account as collection I had previously stated on my dispute, I had previously stated on my dispute that I do not recall having this account open for that reason, I wanted account to be verified, or delete. I have not received any documentation with any kind of verification stating this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had half a dozen Business Credit Cards in the past and have never had a problem with personal credit. I recently opened a XXXX XXXX XXXX XXXX Credit Card for a business purchase and they reported my balance and information on my personal credit report. 

I understand that I am a personal guarantor of the credit card- like all business cards- but NONE of the other business cards have ever reported on my personal credit report. I have excellent credit 780+ and used the card for a business purchase of about {$10000.00} and my credit score dropped by 104-114 points. This PERSONAL credit report was not clearly disclosed. When I called XXXX XXXX they said it is in the terms and conditions. I checked and it is buried in there. It is NOT clearly highlighted that this will impact personal credit or report on personal credit. They are the ONLY company I have dealt with ( XXXX, XXXX, XXXX XXXX, others ) do not report this. This needs to be disclosed CLEARLY just like APR and other issues. This has now negatively impacted me and I NEVER would have opened this card if this had been disclosed clearly, which it was not, and was misleading. 

I read the entire website- NO WHERE is it mentioned that this will report on personal credit. I read the Terms and Conditions on the site, no where does it say that it will report on personal credit, which is a deviation from industry norms. https : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit reports. On all the reports it shows I have negative and a late account with XXXX XXXX. These account where paid off and closed in XX/XX/XXXX by XXXX. Also its several accounts showing late payment from XXXX and XXXX of XXXX. I tried disputing the inaccurate information with Transunion, XXXX and XXXX. All came back verified. I called XXXX XXXX, spoke with an agent. She told me that they haven't report to the credit report agents since XX/XX/XXXX. She advised me to send a copy of the reports where the information show and they will take care of it. She provided me the email address ( XXXX ), fax number and the mailing address. I sent the information she asked for and the information is still reporting incorrectly on my reports.
Product: Credit card or prepaid card

There is an EXTRA {$2500.00} in Discover Card balance that SHOULDN'T be there!!! 
Discover is taking SEVERAL WEEKS to resolve this problem. I am FURIOUS!!!!! 
On XX/XX/XXXX I did a balance transfer ( on-line ) of {$2500.00} to my Discover Card ( from my XXXX XXXX card ). Several days later it still wasn't posted on either card. on XX/XX/XXXX I called XXXX XXXX and Discover to investigate. I learned a single digit was incorrect, so it didn't go through. On XX/XX/XXXX Discover representative " XXXX '' told me the origianl {$2500.00} wouldn't ever go through, so we initiated a NEW balance transfer of {$3000.00}. The very next day I saw in my XXXX XXXX account that the original {$2500.00} was approved! I was shocked. I called Discover ( XX/XX/XXXX ), spoke with " XXXX '' who told me to contact XXXX XXXX and explain the error. I did and they fixed the error on their end immediately! But Discover has still NOT FIXED the error on my Discover balance. {$5500.00} has been transferred from my XXXX XXXX ( XXXX card ) when it should only be {$3000.00}. 
I WANT THIS EXTRA {$2500.00} REMOVED FROM MY DISCOVER BALANCE IMMEDIATELY!!!!!!!!!!!!!! 
I've called multiple times. Been on hold for each time for 40-45 minutes and then on long phone calls with various agents, each 30-45 mins ). My last call was with " XXXX '' in the Disputes dept on XX/XX/XXXX. He reasurred me the issue would be resolved by XX/XX/XXXX. It is XX/XX/XXXX and STILL AN EXTRA {$2500.00} is listed in my DISCOVER balance. I am again ON HOLD with Discover as I write this ( 33 minutes so far, no answer ... ) to once again try and  move this along. DISCOVER IS ACTIVELY REFUSING TO CORRECT THIS ERROR which is costing me an extra {$2500.00} I never spent and DO NOT OWE!!!!!
Product: Vehicle loan or lease

I have a car leased through Santander consumer USA at XXXX XXXX XXXX XXXX XXXX Texas XXXX there phone number is XXXX XXXX XXXX I started my car balance at XXXX dollars and at XXXX dollars a month paid {$5000.00} dollars my balance has never moved they are not properly reporting my balance should be {$18000.00} dollars left on the car how am I current on my payments if I have never paid my current balance is {$23000.00}. Please tell me if the company is not using the real Santander and robbing me.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). 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. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX  : {$410.00} XXXX XXXX XXXX  : {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Mortgage

I sent a loss mitigation application to Mr Cooper on XXXX XXXX 2023, it's been 20 days and I still haven't received the response from Mr Cooper, I do not know what will be the outcome. i'm worried that it will affect my credit, as my Mortgage payment was due on XXXX XXXX, 2023 And I haven't made that payment. 

this process of loss mitigation should have been quick and I should have received a response in 2-3 days, Mr Cooper is not cooperating and is not responding to my loss mitigation application in which I requested to give me a forbearance for next six months as I recently suffered from XXXX and I do not have money to pay for mortgage reason being I didn't do business when I was suffering from XXXX, and it will take me some time to get back on my feet, so I'm just asking for more time to get back on my feet and mr and Mr Cooper is taking is taking advantage of that
Product: Credit reporting, credit repair services, or other personal consumer reports

i have inquiry 's on my credit report that I did not authorize nor where they a firm credit offer. I have tried to get Experian to investigate, I have written each bank the pulled my credit with no response, prior to me filing suit in the federal district court of western Oklahoma, I am asking for the final time for Experian to investigate these inquiry 's and remove the one that don't meet permissible purpose as out line by 15 U.S. Code 1681b.Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; I have attached a list, these company 's either need to provided a written consent form with my signature or a letter showing that they gave me a firm offer of credit.

if neither can be provided as proof the they must be deleted from my credit report.

I am allowing to 15 days to investigate prior to filing in court.
Product: Credit reporting

The XXXX credit report agencies released and provided to XXXX different companies my credit information without my seeking to have credit extended to me. This happen XXXX XXXX 2014 and XXXX XXXX 2014 by the companies being, XXXX XXXX XXXX, and XXXX XXXX. The impermissible pull is negligence under Federal Law 1681 under FCRA ( sec 604 ( A ) ( 3 ), and Damages under FDCPA. I had gone to both these dealerships as co-signer and on loan already approved by XXXX, for XXXX XXXX my partner, the approval ID XXXX on date XXXX2014. the dealership never indicated they would seek financing other than that we went in with from XXXX XXXX They obtain my social security indicating they would contact XXXX and see if they could " increase '' the amount with me as co signer because they " Dealership '' F & I department manager said XXXX would not qualify receiving social security income because no way to re coop loan if it defaulted because XXXX receives State payment subsidy and social security and creditor would n't be able to garnished. At no time was authorization signed to allow a credit pull or to seek other financing, nor was there any disclosure as required under law as to sharing of consumer information
Product: Credit reporting, credit repair services, or other personal consumer reports

I will keep this short since I have SEVERAL COMPLAINTS filed without a resolution. 
Equifax has had several Security Breaches and my Personal Information has been stolen for 3 years in a row. 
In XXXX, XXXX, and XXXX My Social Security Number, Date of Birth, Addresses, and emails were all found on the XXXX XXXX 
Equifax Never Notified me of any of their BREACHES. 
The other credit agencies notified me instead. 
I had a Fraud Alert and now I have an ACTIVE SECURITY FREEZE with a Pin. 
This would provide PROTECTION if these agencies weren't so RELAXED with their security. Each time I call these agencies like Equifax I am allowed to update my ADDRESS, EMAIL, AND PHONE NUMBER without being fully verified. 
Instead, I am asked questions that anyone on the XXXX XXXX can answer about me. 
I am 100 % ex/posed! 

Each time I ask why didn't you ask for my Pin, agents and supervisors say, " we don't have too anymore ''! 

I understand the system is broken and fixed for consumers to FAIL. 

But, how can I sit and watch my repaired credit get ruined again? 
Asking for a Pin code takes 3 seconds in the call. 
To not ask says, you have a HIDDEN AGENDA! 

ANY EXCUSE GIVEN ON ANY COMPLAINT I FILE, IS UNACCEPTABLE! 

I called today XX/XX/XXXX and spoke to agent " XXXX '' at XXXX XXXX  XXXX and disputed an error on my credit for at least an hour. We spoke a little about my credit and things that are on it. ALL WITHOUT GETTING MY PIN CODE ... 

They are refusing to keep consumer files and credit SECURE until they get sued. 
Maybe when they start being sued with they change that horrible rule back to asking for our PIN CODE. 
They don't want to ask, and they continue to have SECURITY BREACHES. 
This lack of concern and lack of security will come to a halt in court eventually and I look forward to it. 
I have spent MONEY paying Equifax for a Security Freeze XX/XX/XXXX, I have spent over 20 hours trying to secure my file, correct errors, file disputes, seek legal advice, and then some. That alone will be considered time Lost and Damages. 

I do hope my credit can be more secure and I hope I never have to experience my credit being ruined again. But, if it does happen again, I will have multiple complaints I have filed as the proof that this has been ongoing and it could have been prevented. 

I will file a complaint each and every single time an agent doesn't ask me for my SECURITY FREEZE PIN. 
I don't accept EXPERIAN CONSTANT SECURITY BREACHES, I don't accept the LACK OF INTEREST they have in notifications which means I was not notified, I will continue complaining for as long as EQUIFAX and the other agencies fail at verifying my pin code. 

This is a VIOLATION OF MY SECURITY so no matter what, it will be reported!
Product: Debt collection

On XXXX/XXXX/2015 I contact my bank and XXXX and there was no charge to my credit card except the amount of {$1.00}. I then asked XXXX what 's going on again I paid you took my credit card why is my account still not working saying I owe you money. 
The lady named XXXX said you are in collections again. 
I said I called the icsystems and I am not in there. She said you have to call them again ok so I did now all of a sudden with her on the phone there was a case in ICsystems.com with a case number of XXXX. She said that case is no longer with us I said how come I never received a letter from you. She said again she could not consult anything with me about XXXX. So not XXXX from XXXX resolution department said that I have to call this number XXXX I said who is this this is the collections she said. 
So I called it and it was XXXX asking me to pay another {$190.00}. 
I said I just paid you this through my card yesterday on XXXX/XXXX/2015 I am not paying you again. XXXX said it looks like the transaction is not going through. 
Its not going through although it took my credit card. 
I said if I get over billed what are you going to do. XXXX said we will take care of it. 
Really like you have taken care of everything so far I am beginning to see a major scam here and I have contacted the FTC.GOV I am also contacting every agency within the government for credit abuse this could also be a possible discrimination case against XXXX XXXX Please help me. 

I have all snap shots proof and documentations and to be honest no federal agency is helping me so it seems so far at all I get harassed daily. 

This is suppose to be a constitution equal opportunity state of XXXX am seeking justice in this equal opportunity state on ConnecticutIn regards to my family members that serviced this state representative XXXX XXXX was my uncle who served at state of Connecticut Representative. 

Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXXTel # XXXX
Product: Debt collection

XXXX from Weiman Acquisition left a voicemail claiming she worked XXXX and there is action being takin against my social. I returned the call and she said it was regarding my husband. I then proceeded to tell her that I was hus wife and asked who the other parry was that made the complaint. She said she was not able to give me that information, I work in finance and am very aware of the regulations, and yes she has to provide being I am the spouse. She claimed that he would miss a court date.
Product: Credit reporting

I have a bill on collections that was paid on time on my credit report saying un paid. Balance is XXXX for the XXXX. 
Talked to a guy their and he does not know why it is showing. 

Also did not give outlet rental car permission to obtain my credit
Product: Credit reporting or other personal consumer reports

I pulled my credit report and noticed inaccurate information on my profile. I have sent several letters to the Bureaus and have not gotten this resolved. I also sent them an identity theft letter that shows my information was compromised but the inquiries are still on my profile. The unauthorized inquiries are : XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX. Agencies EQUIFAX XXXX  XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX. Agencies XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Agencies XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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.

Please remove the following inquiries and accounts from my credit report, immediately : Inquiry removal : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Removal : Account Name : XXXX XXXX XXXX Balance : {$10000.00} Account # : XXXX Date Opened : XX/XX/XXXX | Date Closed : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account listed on my Equifax credit report has been deleted numerous times and keep reappearing on my credit report : MN Child Support, XX/XX/2003, {$4100.00}, the account is a fraudulent account and is not my account. Equifax has deleted this account from my credit report countless times. The account do not belong to me.
Product: Money transfer, virtual currency, or money service

I was sent {$220.00} via CashApp from my tenant to pay bills for my apartment hes renting on Monday XX/XX/year>. The debit linked to my account was compromised so my bank was sending me a new one and I removed it from the CashApp app. I removed the card from CashApp account and am unable to add the new debit card due to a glitch in the app. I have been trying to since last Wednesday XX/XX/scrub>/25 to work with them to fix the problem yet they provide no actual support and have yet to fix the problem or give me a time frame on when it will be fixed and I am still unable to withdraw my funds. They are essentially holding my funds XXXX because they dont know whats wrong on their end. They only want to communicate by email which is a joke and I need help getting my money out of their app.
Product: Payday loan, title loan, or personal loan

Per my XXXX  report it states that the loan was opened on XXXX of XXXX  ; I'm not sure how someone was able to make a copy of my driver 's license ; get a loan under my name as well as sign for a loan. I've tried calling the company in the past as well as disputing the inaccurate information on my credit report and the company done nothing to investigate it. According to the credit report the amount of the loan was {$920.00}.
Product: Student loan

I have had numerous issues with Navient and my forbearances in the past. Most recently, I called to defer my loans, received a confirmation, and then a month after doing so, saw that my forbearance payment was returned to my bank account. Called Navient, had to apply for the forbearance again, and was told I had till  XXXX  before it would end. Today I received a second delinquency notice, although it should be in forbearance currently. I spoke with someone in  XXXX  and again in  XXXX  about putting my loans into forbearance and it does not appear to have taken affect. I also had this happen to me a year or so before where the {$100.00} I had to pay on my loans to put them into forbearance was applied as a payment to my account instead of the forbearance fee. I noticed it the same day, notified them, and they assured me that it was applied correctly. I had to call numerous times upon receiving delinquency notices, and I had attempted to escalate the situation and speak with a supervisor but during the entirety of what was supposed to be a forbearance period, my loan was shown as delinquent and never adjusted. They told me it would not affect my credit rating. I am struggling to pay these loans back and it makes it impossible when the lender ca n't even assist as it should be. I have tried and tried to be diligent, responsible, and address any issues I 've seen in regards to my loans, but  Navient  has been incredibly difficult to work with. I do not trust them, nor do I know if speaking with a representative will ensure a resolution or solution for my issues and concerns. I have $  XXXX  worth of loans with Navient, and am struggling. Everyday I want to cry because as a college graduate and as a professional, I ca n't afford to pay these.
Product: Credit reporting or other personal consumer reports

Upon review of my credit report, I noticed some hard inquires that I do not recognize. Within each credit bureau, there are technicalities and some on multiple occasions. 

XXXX : XXXX, XXXX XXXX XXXX dated XX/XX/XXXXXXXX  and XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Equifax : XXXX XXXXXXXX XXXX XXXX dated XX/XX/XXXXXXXX  and XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX dated XX/XX/XXXXXXXX  and XX/XX/XXXX I did not authorize these inquires. I believe I am a victim of fraud.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Received a judgment in the mail from Cavalry Investment LLC no knowledge of debt. Judgement was filed in XXXX and XXXX
Product: Debt collection

Fraudulent accounts were open under my name without my knowledge and not paid.
Product: Credit reporting or other personal consumer reports

I received alerts that this company ran an inquiry on my credit report through transunion. I never applied for credit with this company.