23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I had a relationship consisting of a checking account, personal line of credit, and a credit card with Key Bank. All of a sudden all XXXX accounts were closed within the last 10 days and the only explanation I got was that the bank has a right to make that type of closure. They told me that that I am excessive risk and I feel it is merely a ploy of an excuse. My credit card is paid off every single month and I usually keep my reserve line of credit at a {$0.00} balance unless I need it for an emergency, etc. My checking account has very little cash deposits and I do not overdraw my account to incur fees. My credit score is pristine ( XXXX range usually - changes monthly ). 

My personal line of credit just renewed in XXXX and I had to pay an annual fee of {$50.00} to cover the annual dues for period XX/XX/XXXX through XX/XX/XXXX. After receiving this account closure notice I requested a refund of the {$50.00} fee paid ( I even offered to accept a pro-rated refund of the unused portion ) and the telephone banker told me that they were unwilling to provide such a refund. 

This is unfair and abusive to close my account down in such a manner as I have been a very responsible individual and maintained a positive relationship with my accounts. I feel that as a consumer I am entitled to a detailed reason for account closure and why I am treated unfairly. I am asking for a detailed reason not some general excuse. This is quite irritating and has me very upset as I must now spend time and resources to go and establish a new account somewhere else. The reason I'm upset is that this is now going to hurt my credit file since the creditor closed the account rather than myself taking the initiative to do so. Other potential new creditors will see this reporting and it may impact my ability to secure a new relationship with another financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

loged in to experian.com and request to dispute it and this message keeps coming up even after I have called to verify my identity : Dispute Can't Be Processed Online For security reasons, we can not process your dispute online. Please contact us by phone so we can best assist you.
Product: Credit reporting or other personal consumer reports

Collection Account FOR XXXX IS SHOWING ON MY CREDIT REPORT FOR NO REASON ITS BEEN ALONG TIME DID NOT NEED AN INSURANCE POLICY I ASKEDD THEM TO REMOVE IT FROM MY ACCOUNT SINCE ITS NOT MINE THEY REFUSED AND REFUSED TO SEND ME ANY DETAIL ABOUT THE ACCOUNT JUST THEY WILL SEND IT TO THE ACCOUNT HOLDER ADDRESS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  collect car payments but not accurate. XXXX, TransUnion and other credit bureaus reports XXXX.
Product: Debt collection

This company is calling my work and I wish them only to contact me via personal cell phone or mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts need to be removed and blocked immediately due to fraud and identity theft : 1. XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX XXXX Account # : XXXX
Product: Mortgage

On XX/XX/XXXX Wells Fargo & myself settled on a short sale for my then rental property. I am filing a complaint because of their unprofessional, underhanded & unethical business practices from the beginning of the process even up to now ; and they also handled the process with a lack of integrity. I am very upset that they forced me to sign a waiver to keep my escrow money, prior to explaining or putting in writing how everything would be handled. And if l would n't have signed if they would n't have approved the short sale. Then they waited until after settlement with XXXX verbal excuses in addition to the initial reason as to why l ca n't have my money. It was when I began to complain on many recorded conversations with them after they informed me verbally that the mortgage insurance will take care of any deficiency and XXXX ( form ) monies that l would have been responsible for on the shortage. l have no final figures in writing & l just do n't know what it is they are doing. Now l 'm told by Hud that since we settled the file is closed & they ca n't assist me. The mortgage insurance dept also told me that they could n't assist me & that it 's not clear to them why after settlement W.F. has a mtg insurance on my behalf from XX/XX/XXXX, being applied to XX/XX/XXXX per their records. I asked XXXX. since the mtg ins is taking care of the losses why are they keeping my escrow money as if they are the IRS. I 've spoken to XXXX different people within the last week and a half from XXXX, & I 'm still waiting for an explanation. No one ever seems to know what the other XXXX is doing. Just like when they kept giving my realtor & myself the run around. They added more stress to my life making me a nervous reck. The XXXX reasons to keep the escrow was because l stopped paying the mortgage. Well l only had XXXX tenant & others bills to pay. Then after settlement XXXX more reasons ... ( 1 ) there was an escrow shortage. I told them it was n't short because it was for XX/XX/XXXX. ( 2 ) They claimed they were in the arrears & had n't paid the ins or taxes. I told them how & why l know that was inaccurate. ( 3 ) They used the waiver against me. I told them they underhandedly forced me to sign it. Then they went back to, because l stopped paying the mortgage. So l told them since the insurance was handling it that they 're double dipping. They also gave me a payoff amount, but when they recorded on my credit report they gave a different amount. I have nothing in writing as to how the numbers were finalized. Meaning balance on mortgage, buyer 's cost, deficiency, etc. Please help me to releive this stress, because stress can kill a person. It is not clear to me what mortgage process this relates to below. I hope I checked the correct XXXX. Also please understand this was a hardship for me and l am retired now after working close to XXXX years. 
Thank you
Product: Debt collection

I had an account opened with XXXX in XXXX the payments got to high so i canceled with them leaving me with a balance of {$380.00}. They were billing me one month in advanced and a partial month. I payed the partial i refused to pay for services that i did not use i returned the equipment and the lady told me i was all set with a XXXX   balance. Mind you i have two accounts with them in witch one account stood open actually till this day witch i am in good standard with. For the last two years never heard nothing till XX/XX/XXXX got a letter from Southwest Credit asking for money the balance was {$360.00} they offered to settle at {$230.00} That was sold to a 3rd party collection agency. In the letter they stated i could either resolve it or dispute it, so i started disputing it with XXXX. I opened an investigation and it was requested to be deleted from any consumer credit reporting agency.XXXX  had ceased all collection activity and it was deleted off my credit report. All of a sudden my credit drops down 10 points and to my surprise i am in collection once again. This is uncalled for i had fought for this to be removed I was not found at fault this is my credit and it means something to me i have been working on it for a long time please look into this for me and help me in any way you can i would greatly appreciate it so much. Thank you in advance for your time and patience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining about XXXX and TransUnion credit reporting agencies. I have submitted numerous disputes regarding inaccurate information on my credit file to both companies with no resolution. I sent all my disputes through CERTIFIED MAIL WITH RETURN RECEIPT, and have all documentation proof ready upon request for this investigation. I am tired of both of these companies slandering my credit file and defaming my character. The erroneous information that they are reporting is drastically affecting me from applying for credit and from qualifying for a mortgage. Everytime I dispute inaccurate information I get an automatic response stating the accounts are VERIFIED. As far as XXXX my most recent dispute was sent ceritifed mail on XX/XX/19, the company then sent a response on XX/XX/19 stating they will not re-investigate the same disputes because it was already " verified '' previously. The following accounts XXXX # XXXXXXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and MI XXXX and Govt # XXXX all need to DELETED and REMOVED immediately from my XXXX credit file. Also the bankruptcy on file is inaccurate and needs to be removed. As for Transunion, XXXX XXXX XXXX, XXXX XXXX # XXXX and a bankruptcy all are inaccurate and UNVERIFIED and need to be REMOVED immediately from my credit file. I have also submitted a complaint to the State of MI Attorney General 's office regarding both companies and seek to have this problem mediated in a quick, professional manner. Otherwise, I will proceed with filing a lawsuit against both companies for their willful violations and I will seek compensation for provable and punitive damages I'm entitled to under the law!
Product: Credit card

I applied to XXXX XXXX XXXX XXXX XXXX and my application was immediately denied. I called them and they said my application was denied for the following reasons : * Ration of credit bureau trades with a balance greater than XXXX ( We look at the ratio of open and closed credit accounts that have a balance greater than XXXX in the last 6 months ) * Number of revolving bankcards reported by credit bureau ( We look at the number of bank credit cards in your bureau report ). 

I checked my XXXX credit report and it did not show any credit trades for the last 6 months. I have 7 credit cards with an age between XXXX XXXX XXXX years and I use 3 credit cards with a 4 % credit utilization. When I applied to this credit card I had a score of XXXX and I make over $ XXXX a year. 

I think Wellsfargo denied my application because they don't want people who pay the whole balance at the end of the month because it '' s not profitable for them.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following unauthorized inquiry from my credit report. I am a victim of identity theft resulting from a data breach. This inquiry was made without my knowledge or authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent or unauthorized inquiries blocked and removed from my credit report. 
Unauthorized Inquiry XXXX - Date : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this problem and have told the company I had fraudulent activity and my cards were stolen there are many more things on my credit file I have not opened and my wallet was stolen many many times to where I have had personal information taken and tried to be used and I dont know what to do
Product: Credit reporting or other personal consumer reports

Please see the attached record of payment. Account has never been past due 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F )  otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 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 shall promptly delete Thanking you in advance. 

I demand the following inquiries removed immediately. 

The following inquiries are unauthorized : XXXX XXXX XXXX   Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be immediately removed from my credit report to protect my personal and financial information. 
Affected Accounts : XXXX XXXX XXXX XXXX  XXXX - XXXX - XXXX - {$0.00} XXXX XXXX  XXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - {$0.00} BankruptcyXXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XXXX - {$1000.00} XXXX XXXX XXXX - XXXX - XXXX - {$670.00} XXXX XXXX  - XXXX - XXXX - {$0.00} Inquiries : XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX
Product: Debt collection

The company which placed negative information on my credit report is Stellar Recovery Inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MT XXXX ) which is a collection agency on behalf of XXXX. The original reporting on my credit apparently took place in XXXX 2015 however I have not, previous to phone conversations that I initiated on my own behalf due to seeing the negative input on my credit report, received any type of notice via phone, email, or regular mail of this debt. I have since settled this debt directly with XXXX in full however the negative remains on my credit report. It is my understanding that prior to the input on my credit report that this debt needed to be verified and I be given an opportunity to settle, pay outright or dispute the validity of this debt. I was never afforded this opportunity.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX {$2000.00} XX/XX/XXXX XX/XX/XXXX {$9800.00} XX/XX/XXXX XX/XX/XXXX {$160.00}
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX have not provided up to date credit reports OR scores for me since XX/XX/2023. 

The last known score received was from XX/XX/2023. 

They say they are to update reports and scores every 30 days ... .it has been almost 60 days with no update. 

They are also INTENTIONALLY withholding information that will IMPROVE my credit score. They state I can have more info if I pay for their credit monitoring or boosting " products '' or a price ( anywhere from {$29.00} to $ XXXX ) They are also INTENTIONALLY keeping my credit scores low, and reporting DIFFERENT SCORES to creditors than they report to me directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I realized that some of the information was erroneous. Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and equifax has my whole credit report XXXX  up see the ftc and all documents to settle my case pls XXXX XXXXXXXX XXXX not mine XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX not mine addresses
Product: Debt collection

Yhe company LVNV has been committing fraud they have not provided me with a report summary which is not proof of ownership and the right to collect on the debt. They did not supply any sign documentation from myself stating that I had any form of corresponding with said company. They communicated with me after a cease and desist letter was supplied they failed to supply me with a purchase letter which let me know who has had ownership of the debt how they can collect on a debt how can they sue on a debt. No information was provided from this particular company
Product: Debt collection

I've gotten a letter today, XX/XX/2018 from a company called XXXX XXXX saying I owed an amount of {$87.00}, stating the account holder was " XXXX ''. I've been using my XXXX account for years now and I've never been negative nor have I owed any invoices. 

I even looked through my XXXX account for that certain amount and there is no transaction of the sort On the letter, it didn't even tell me what was the bill specifically for aside from the amount..
Product: Checking or savings account

i deposited a check to my savings account on XXXX XXXX  for XXXX 2 weeks later i recieve a letter in the mail stating bofa was closing my account, no reason given.and that the bank was keeping my money ( XXXX ) intill i can prove that the person who signed the check over to me was doing so legitimatley. i want my money from the bank and they refuse to give it to me.XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX began reporting inaccurate information regarding my bank account through XXXX XXXX XXXX XXXX I overdrafted my account and bank had permitted me to settle via a payment arrangement or fresh start program my account therefore was pursuant to FCRA in good standing in as much we had reached an agreement I have NO issue with XXXX XXXX  only with XXXX XXXX XXXX XXXX XXXX innacuratley reporting and still as of today XXXX showing i owe this amount on my Equifax report although XXXX XXXX advised them and they promised they would take it off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times with all  XXXX  credit bureaus because an account with  XXXX   XXXX  is on my credit report. The account was opened in  2011 . I was in  XXXX   XXXX  at the time and never opened this account. I do not know who did however I have never done business with  XXXX . I have tried to reach out to them to get information and they refuse to provide any proof of why this account is on my credit. After disputing unsuccessfully with the credit bureaus twice now. I am reaching out to CFPB to get this removed from my credit as it is lowering my score and I am attempting to get a mortgage in the near future. This account does not belong to me!
Product: Credit card or prepaid card

Over the summer, my Gold card was enrolled in Spend $ XXXX/earn XXXX points with American Express . I met the criteria spending a total of {$12000.00} but have not received my points. I escalated my concern to Ms. XXXX XXXX, Executive Assistant for American Express, who informed me that I had already received those points in XX/XX/2018. 

The situation in XX/XX/2018 involved me relocating from XXXX to XXXX and, after speaking with an AMEX representative on the phone and updating my mailing address, the Blue AMEX credit card was incorrectly mailed to my old address American Express had not updated my address. Ms. XXXX stated that because of the inconvenience, I would be eligible for XXXX if I spent {$4000.00} on my other AMEX credit card the Gold card. I met the spending requirement and received the XXXX points in XX/XX/2018. 

The two situations are completely different : the XXXX points I received in XX/XX/XXXX were a customer service initiate for sending my Blue AMEX card to the wrong address ; the overnighted a new card to me, since I had not received in my credit card in 2 weeks. 
This situation involves promotional points that I rightfully earned by spending {$12000.00} over the course of three months and am eligible for XXXX points. I have a screen shot of the conversation I had with an AMEX customer service representative in addition to the confirmation codes for the three separate times I met the criteria for XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Transunion a certified letter advising them that they are reporting errors and duplicate accounts incorrectly. They have failed to correct this and I'm tired of these credit bureaus reporting incorrectly and making money off of consumers. Per law they are suppose to report accurate information and they are failing. Please contact for me and maybe we will get a better answer as to why they keep ignoring to do an investigation of the information they are reporting. I will attach screenshots of an account they are reporting TWICE.
Product: Credit reporting or other personal consumer reports

I need your help to investigate accounts reported by these companies with inaccurate late payment remarks. After reviewing my credit report, I noticed errors on certain accounts where no late payments should be reflected.