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

For the past 12 months I have faithfully watched my credit scores fluctuate up and down. I paid off all creditors between XX/XX/XXXX and XX/XX/XXXX. My score, slowly rose to a XXXX ( Equifax ) and XXXX ( XXXX ). I unfortunately was unable to establish and maintain gainful employment of no fault of my own which forced me to file bankruptcy, which gravely effected my credit. Even after my bankruptcy, I did not attempt to obtain credit. My credit score slowly increased to XXXX for both XXXX and Equifax. In XX/XX/XXXX it dropped drastically.It dropped 92 points for Equifax and 91 points for XXXX. It stayed this way over a course of 3 months for XXXX and then made a drastic leap from XXXX to XXXX. For Equifax, it increased from XXXX to XXXX. My score remained consistent for Equifax four months ( XX/XX/XXXX-XX/XX/XXXX ) and then took a sudden plunge. My student loan was given a year deferment in XXXX or XXXX. Just recently my scores dropped suddenly. My score dropped tremendously for both companies ... XXXX ( -91 ) and Equifax ( -59 ) .It seems that no matter what I have done to do the right thing and stay afloat, Equifax and  XXXX has continuously made attempts to damage my credit profile. They do as they please concerning credit scores. In addition, I have been one of the many individuals that have been apart of Equifax 's failure to protect my very vital information. I want my credit scores refurbished. I have worked hard and refrained from being in debt to anyone for anything. This seems to be a another practice against XXXX Americans ability to establish, maintain, and grow in socio-economics. There is no way you can explain how one incident dropped my credit score! I have one deragatory mark on both credit reports. I only owe student loans. I want my credit repaired immediately. This is a blatant financial attack on me and others like me that strive and still are faced with injustices at the hand of businesses that would see our demise.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized hard inquiries listed on my credit report, which is in violation of my rights under 15 U.S. Code 1681b and The Privacy Act of 1974. Per the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization, whether written, unwritten, verbal, or non-verbal, as permitted by 15 USC 6802. 

The following unauthorized inquiries were made without my consent or authorization : XXXX. XX/XX/XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XX/XX/XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XX/XX/XXXX - XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX -, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. XX/XX/XXXX - XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX These inquiries were conducted without any permissible purpose as defined by the aforementioned statutes, and their presence on my credit report has negatively impacted my creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter promptly and takes appropriate action against the entities responsible for these unauthorized inquiries. Furthermore, I demand that all credit reporting agencies immediately remove these inquiries from my credit report to prevent any further harm to my credit standing. Thank you for your attention to this matter, and I anticipate a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ).
Product: Debt collection

I never did business with the Vance and Huffman LLC. They never sent me any notifications via email, mail, text, or phone call. I tried to dispute the debt via XXXX and that was simply a waste of time and I am positive that they did not do a thorough investigation because they would have seen that the debt to XXXX XXXX XXXX was paid in XXXX  in the amount of {$1600.00}. I also tried calling Vance and Huffman LLC directly to dispute the debt of {$3100.00} and was told that they was a third party debt collector who obtain the debt from a company called XXXX XXXX XXXX. I told them that I paid XXXX XXXX XXXX debt totaling {$1600.00} in XXXX  and that I have proof that the account was paid in full on my credit report. Vance and Huffman LLC still reported this debt to my XXXX credit report on XX/XX/XXXXXXXX  in the amount of {$3100.00} which is still negatively affecting my credit as of XX/XX/XXXX. I want it removed as soon as possible from all of my credit reports and to press charges against this company for not notifying me about the debt and falsely reporting such negative item on my credit report and trying to make me pay almost twice that amount. Again Vance and Huffman NEVER contacted me about this debt and reported it directly to my credit report on XX/XX/XXXX. PLEASE HELP ME and thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2018, I have been attempting to get a copy of my credit report and file disputes. I have been able to send in letters for dispute and receive e-mails from Equifax that my disputes are available to review on line. 

However, I am never able to go online due to the system being down each and every time. 
I have made numerous calls to Equifax and always get the same response. The system is down for repairs and I always state the same thing how long will the system be down because I have been trying each week for months and now it has been 9 months. 
Equifax says keep trying. 
I am never able to view any results and I am always asked the same questions about my report. I don't know some of the answers because I am not able to view the report. 
It has affected employment due to an investigation into my Equifax reporting incorrect information. 
To date, I am still not able to view anything online and I paid for access to the reports thinking this would resolve the problem, which it hasn't.
Product: Debt collection

Account Discovery Systems has been repeatedly calling third parties ( all of which are my boyfriends family members, and I do not even have contact information for ) in order to gain contact with me. They contacted the other individuals prior to attempting contact with me. I called back XXXX XXXX on XX/XX/17 at XXXX, pst and she explained that since she had made contact with me, she will no longer call other people. After our phone call, she emailed me a document with payment options and I emailed her back explaining that I would not be able to commit to a payment until the end of the month. Since our phone conversation and email exchange, she has continued to contact people stating that she is trying to contact me but has made NO attempt to contact me personally regarding the collection debt. I feel as though she is using this tactic to try to embarrass me into calling her to settle this debt. She is now harassing the same people by repeatedly calling them even though she has spoken with me and emailed me. After receiving word that she contacted my boyfriend again today, and she contacted his father twice this week, I emailed her requesting that she stop harassing these people and I will be filing a complaint against the company.
Product: Money transfer, virtual currency, or money service

PayPal permanently Limit My account For No Reason And I'm Facing Financial issues And I didn't do Anything Wrong And they hold my money 180 Days for no reason. And I need That Money Urgently Because I'm A Facing Financial Problem Due To Corona. Please I want Money. 

My PayPal Email- XXXX Thank you!
Product: Debt collection

I dnt recognize this debit, nor have I ever had any dealings with your company or the account in question.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company placed a debt on my credit report I called to settle debt, ask if they would do a settlement and they told me they would. I asked could I receive the settlement offer in writing they told me a supervisor prepare the letter and they sent the letter once I received the letter. I called them they told me I had to pay the settlement offer in full I could not make payments so I paid the amount which was {$640.00}. They told me it would take a couple of days to process my payment. I waited 3days and called back to see if I could get a paid in full letter, I was told that I had to wait 10 days. After the 10 days I was told I could not receive a paid in full letter because the letter should not have never been sent to me and they could only report that I still owe XXXX. I did what was required of me know the company is reporting on my credit file that I still owe this debt. I have provided proof to the credit bureaus but they believe the company. The company says I still owe them. This is not professional. Unethical.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX someone without my authorization unlock my credit to apply for a American express and got XXXX alerts from XXXX different credit agencies XXXX and XXXX
Product: Debt collection

XX/XX/2021 - Mailed certified letter asking for validation of debt on 4 accounts. 
XXXX XXXX XXXX - Certified mail delivered XXXX XXXX XXXX - Letter sent from MCM for verification - only sent a computer generated print-out of the total amount they claim is due, which may not be accurate. Furthermore, they have failed to provide an executed credit contract proving liability of this debtor on the amount claimed, as per my validation request. 

XX/XX/2021 - called in regards to debt validation - spoke with XXXX XXXX and another woman, supposedly a supervisor, who refused to provide her name - Supervisor was trying to collect even though it is still within the validation hold time - I decided to humor her and that if they would settle for a certain amount I'd pay. She started laughing and said they wouldn't even take that money 10 years from now. I asked for a manager and was told no one was available and they would have to call me back, but I had also adv they must cease and desist any phone communication and that I would hold. She stated that I can't hold and started laughing again. Then I hung up the call. 

XX/XX/2021 - I will be sending another certified letter after work this afternoon advising that since they failed to validate the debt as per my initial letter the debts must be removed from my credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NY XXXX ; XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX
Product: Debt collection

Account Name : WELLS FARGO CARD SER Account Number : XXXX Date Opened : XX/XX/2014 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this with US Bank 4 times now! I report the error, they remove it and put it right back on!! Last year because of Covid I was unemployed for almost 2 years. I requested and received a 6 month extension. After 6 months my employer closed permanently, so I still was not working and to prove it to US Bank that I wasnt even on unemployment I offered to send them documentation WHICH THEY REFUSED. Yet they also denied my request for an additional 6 month extension even though it was illegal to do so! I then went to a Supervisor to demand my rights for an additional extension and for the credit law be followed and even though they said they were giving me the additional extension and did not contact me for payment for the next six months THEY REPORTED OT TO MY CREDIT. This violates the law during Covid and this was documented with them! I offered them paper documentation! And now although my lease is completely paid off and they actually owe me over {$1000.00} refund they are reporting me in arrears! I WANT THIS CORRECT IMMEDIATELY! Their service is deplorable and their account keeping is even worse!! I actually think they do this on purpose because they are a substandard lender and they are taking advantage of the people they loan to. Any investigation I am eligible to have them investigated through or any legal action against them I am eligible for I would like to be notified of. This will now be the 5th time I have told US Bank that this is incorrect and the 5th time that I have filed a formal complaint and the 5th time they have ignored the law. There are literally thousands & thousands of people having the same problem with U.S. Bank on the internet!!! I would like this corrected or I would like to know my to legal action! Why are you allowing them to break the law?
Product: Mortgage

I took out a HELOC when I purchased my home and it had a 10-year interest only period followed by a 15-year repayment period that would include principle and interest. 

When I first went into repayment period in XX/XX/XXXX,  I looked at the payment and thought it was high but I trusted the bank, which is Bank of America. Then roll it forward in XX/XX/XXXX, I decided to recalculate the payment myself and learned that the remaining term is not consistent with my loan documents. My loan matures in XX/XX/XXXX,  leaving approximately 12 years to maturity. However, the bank is calculating a remaining term of 9 years because I have paid extra towards the principle. My contention is that I should have the full remaining term used to calculate the payment rather than a reduced amortization period. 

Using a shorter window for my repayment period makes my payment much higher and it has been a struggle. My payment, if calculated on the true remaining term, would be approximately {$140.00} less each month. 

So, I believe that the bank is wrong for forcing me to make a payment on a shorter period than my maturity date.
Product: Debt collection

For 1-1/2 yrs ( est. ) Dyck O'Neal Inc.- a debt collector ( Texas addresses ), has repeatedly left the following message : " We have an important message from Dyck O'Neal Inc . This call is from a debt collector. Please call XXXX. '' Always the same words spoken in the same female voice, left on our home voice mail. We ran a Credit Report and found no unsatisfactory ratings. No one has been trying to collect debt from us, to our knowledge. We 've followed advice to avoid communicating directly with the company, and are attempting a solution through the Bureau of Consumer Finance. [ I was distressed to learn that debt collection businesses are exempt from restrictions on telemarketing ( which is what this sounds like to us ) - i.e., it is legal for them to ignore the Do Not Call Registry. ] We are looking for an answer to this recurring annoyance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Equifax credit information hack. I find it unacceptable that I have to pay to freeze my credit when I did not consent to my financial information being stored by Equifax, XXXX, or XXXX in the first place. Credit freezes and unfreezes should be made free. 

Thank you for taking the time to read my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report to XX/XX/XXXXand Transunion that I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX XXXX ran a credit check without my consent. I contacted the dealership and they informed me that they didnt have an answer on who conducted the credit check and that would get back to me but they never did and then declined my follow up calls.
Product: Credit card

Reported fraud charge of {$260.00} on XXXX, called rep, account closed new card sent said dispute would take 60 days, received letter XXXX asking to call said can not get ahold of me! kohls has my cell number gave them the dispute again rep exact words " PREVIOUS REP ON XXXX DIDNT PUT DISPUTE AMOUNT OF {$260.00} '' not my problem no says i have to wait XXXX more days!!!! THERE ERROR i did not order that purchase KOHLS ERROR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the status information of these accounts and update right away. 
XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX  XXXX XXXX ; XXXX XXXX.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX  XXXX Balance : {$490.00}
Product: Credit card

I'm deeply troubled by this matter and it's impacting my sleep. I've consistently made payments on time, so I'm requesting an immediate update to my account due to the distress it's causing me.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

On XX/XX/XXXX, a contract between myself and XXXX XXXX XXXX was agreed upon and signed for XXXX XXXX XXXX to perform work at my house. The scope of work was as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Total agreed upon and signed contract for all above scope noted above was {$8200.00}. 

I made a deposit using my Bank of America credit card through the application sent to me by the contractor of {$2700.00} on XX/XX/XXXX to begin the project and have the contractor mobilize. XXXX XXXX XXXX started work at my house on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX charged my credit card {$4200.00} through the app ( the app saved my credit card information and the contractor went ahead and charged my card again ). This brought the total of both charges to {$6900.00}. 

The last day of work at my house was XX/XX/XXXX ; XXXX XXXX XXXX finished all scope and demobilized their equipment & tools. On XX/XX/XXXX, XXXX XXXX XXXX charged my credit card a final time for {$5600.00} bringing the final total of all 3 charges to {$12000.00}. The overcharge of {$4400.00} was unbeknownst to me and at no time did I agree to pay an additional amount or sign any change order. XXXX XXXX XXXX claimed that extra work had been done and that it was entitled to payment in the amount of {$4400.00} and XXXX XXXX XXXX still had XXXX XXXX credit card information on file, and took full advantage to charge his card {$4400.00} without his permission. 

I texted the owner on XX/XX/XXXX as soon as I saw the charge on my card to discuss this with the owner and promptly get the overcharge removed. In total I reached out on 3 separate occasions, XX/XX/XXXX, XXXX and XX/XX/XXXX to get the overcharge removed every time the owner refused.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX