23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XX/XX/24 i called equifax to habe disputes taken down amd off my credit report and they along with XXXX, XXXX  are not reporting up to date fair and accurate reporting on my credit report my XXXX  score is XXXX since XXXX and has not been changed to be updated this is unfair and inaccurrate information and scores i dont own a home, i paid off all homes, i sold my XXXX  XXXX XXXX XXXX the dealer that bought my car and all theu are doing is showing late payments that are all old on my current credit report equifax told me XXXX that my official XXXX  score was XXXX and should be reflected with all banks and loans places and it is not even accurate information
Product: Debt collection

I did not and have not given permission to Portfolio recovery to access my credit profile. Per the Fair Credit Reporting Act states that only businesses with a legitimate reason to check your credit report can do so, and you have to consent in writing to having your credit report pulled. I have not ever given any permission. 

Per the CFPB, " No one should request your credit report without a valid purpose allowed by the law. Anyone who uses or obtains a copy of your credit report under false pretenses may be subject to civil and criminal penalties. '' This company needs is in violation and needs to be fined. I demand you immediately cease and desist from accessing my credit account with all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

I looked at my credit Report it shows on these false information they charging more on my monthly payments than Im so post to be allowed on my contract I signed & false on time pay history on some accounts ( XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ), ( XXXX XXXX Account Number : XXXX ), ( XXXXXXXX XXXX XXXXXXXX Account XXXX ) ( XXXX XXXX XXXX XXXX  Account XXXX ), ( XXXX XXXX XXXX XXXX  Account Number:XXXX )
Product: Credit card or prepaid card

Weve had a Barclays choice privileges card since XXXX. We spent the required amount to receive our points. We are not getting any points in spite of spending and paying off monthly balance. We have spent hours on the phone trying to get our points with no success. Weve been passed from person to person without results. Weve been cheated out of XXXX XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been disputing this incorrect information on my credit profile for a certain account and they are not removing it. It has hindered me from ownership and At this point, I'm seeking damages. Below I will have the letter I sent to all the credit reporting agencies and they failed to delete this inaccurate and misleading information from my consumer report, and it's not FAIR! THE REPORTING OF THIS ACCOUNT IS AGAINST YOU'LL LAWS AND RULES OF REPORTING ACCURATELY! 
-The Date Open is listed inaccurately - The Date of the last Activity is incorrect across the board.

-The Date of Last payment How can this be reported accurately? if on every reporting agency it shows different dates and misleading information. I've been reporting this for months and months. 

I'm tired of this, CFPB I need this removed its hindering me! 
Experian send back this same generated letter that they following the rules, and their investigation is Verified? HOW IS THAT? IF EVERYTHING IS DIFFERENT ACROSS THE BOARD? 

XXXX and XXXX never send responses. or if they do they send a stalling letter instead of actual results. I NEED THIS DELETED.
Product: Credit card

Approximately XX/XX/2023 I applied for a JetBlue Mastercard on a promotion to earn XXXXJetblue points. I applied through Barclays on-line and received an automatic response that they could not immediately approve and additional review was required. Within a week, I received a letter from Barclays indicating that they were unable to approve my application due to one of the following reasons : Our records show that you already have or had the maximum allowable number of products with us. I do not have any Barclays products, according to my cbr I've never had any Barclays products. However, I do have products with XXXX XXXX. I believe that I have been unfairly denied credit with Barclays and the explanation provided seemed was intentionally broad in nature to potential deny consumers credit based on reasons other than credit score or credit history. I do not have any negative marks on my credit, my debt to income ratio is moderate, and my credit score is good. I believe this is a case of potential discrimination and unfair practices. Barclays did not extend an opportunity to obtain additional explanation for the denial and only provided an XXXX XXXX XXXX for questions. The application number is XXXX.
Product: Debt collection

My wife and I are both Military Veterans and opened a gym membership with XXXX XXXX in XXXX, NC. I believe about 2 or so months after opening the membership, a XXXX XXXX XXXX was declared and a XXXX XXXX was enacted due to Covid 19. The club was shut down for an unknown amount of time and the owner refused to allow us to cancel our gym membership without paying several hundred dollars more to break the contract even though they had been shut down by government mandate. They would only allow a one month pause. The owner then got very ugly when we tried to explain that being new members, we should not be financially penalized for a government shutdown that shut down the gym beyond our control. We were also members at another fitness center at this time who allowed us out of our contract without penalty due to the shutdown hindering our ability to utilize the facilities. We had just paid for the current month of our membership with XXXX XXXX when they were shut down. They told us they were offering online workouts so they would not let us cancel. I then explained that when we signed up for a membership we signed up for use of the gym not online classes that werent apart of the contract to begin with. We were paying a high amount for this membership. Because of the terrible treatment and the way we were spoken too, when the gyms reopened we joined another gym and had no issues. XXXX fitness then followed us on social media and stated that since we decided to join another gym they definitely would not waive the {$500.00} fee to cancel our account due to Covid shutdown. This was completely inappropriate for them to do. We decided not to continue our membership once the shutdown was opened due to poor treatment. That is our prerogative, then to have them basically stalk our social media and try to use that against us to again try and get undue fees out of us is horrible business practice. Come to find out this was a reoccurring issues from many other members of this fitness club who had also decided to switch clubs once they were all reopened by the state. They then sent it to collections and put it against our credit. They would only freeze our account and not cancel it even though we were paying {$120.00} mo. {$60.00} each for myself and my husband. They stated in an email that if you were experiencing financial hardships due to Covid to email member services. We did. We could not afford to keep paying for a costly membership for a gym we could not use. We understand they then offered online workouts but that is not the contract we signed up. 

We feel very taken advantage of and lied too because of being told different information by different staff members and then they tried to cover it up and say we were never told that. Which we were.
Product: Vehicle loan or lease

I met my the. Wife at XXXX XXXX XXXX sales because she asked me if I would co-sign for her to get a car. When I get there the guy basically starts asking me all these questions that seemed normal so I respond but the whole time I never see her doing paperwork or being asked questions. I just figured she would after I did. So he comes over and stands right up against me and starts telling me to sign here and here all while rushing me the whole time. I told him I wanted to read them and his response was it is just standard stuff.. a little bit later he comes back and hands her the keys. We leave and a few days later Im checking my credit and see I have a {$18000.00} dollar auto loan.. come to find out her credit wasnt good enough to even put her on the loan so instead of me just co-signing he put the car 100 % in my name. Thats not something I agreed to do. He may have had me sign a paper or something but he wouldnt give me time to read them plus he lied to me about other things and papers as well. He told me she got a awesome 2 year top of the line warranty that the lender GAVE her but when I started going through all the paperwork to see what happened I saw that they actually charged her, well me, {$2000.00} dollars extra for that great warranty but turns out it was the bottom of the bottom warranty program and the reviews say its basically impossible to use. So theres another lie. So a couple months later her and I split up because Im mad he didnt talk to me or tell me that l was using my credit that I spent the last 2 years working so hard that it cost me my marriage. I got my credit all the way the way up to over XXXX. And just yesterday I saw it dropped in just one moment over XXXX points not to mention now the car has a blown motor because she had issues with it literally from the XXXX day she had the car. But yet that amazing warranty is supposed to cover engine work but I doubt it. So now the car is about to get repossessed and thats going to hurt my credit even worse. I busted my XXXX building up my score because I wanted to buy a house for me and my XXXX kids for when her and i divorce but now I have no idea what Im going to do. I cant afford the rent on a place big enough for us and l am scared. I cant end up without a home.! And yes Im mad at her because I dont understand how she didnt know he was doing this but at the same time he even had me thinking it was in her name. I just want this loan taken off my credit and for them to do whatever it is the have to do to get my credit score back up. I mean this is embarrassing its so low.
Product: Debt collection

I moved out of my house on XX/XX/XXXX and I had contacted XXXX XXXX XXXX XXXX that the bill was incorrect on XX/XX/XXXX and spoke to XXXX and she said she would look into it told me that his wouldn't be sent to collections, or credit agencies. My boyfriend was then contacted XX/XX/2018 via is phone number, He has an out of state number and address compared to mine and a different last name. He was contacted by Account Recovery Services, the person identified themselves as XXXX XXXX. 
I have a time/date email that my boyfriend sent to me that he received a call from XXXX XXXX at Account Recovery Services XXXX at XXXX on XX/XX/2018. Here is what he told me occurred : She never read me my rightsshe never announced that she was a collector attempting to collect a debt. 

<I received a call from XXXX XXXX She was looking for XXXX XXXX. 

She asked if I was her husband I said no. She then asked if I new about the XXXX XXXX water bill that was due and that she was with Account Recovery Service. XXXX owed {$520.00} I said the only thing that I know is that I never lived in XXXX XXXX and I don't owe it so why are you calling me? Then she asked for XXXX 's number. I said give me yours and I will try to give it to her if I see her ... she gave me XXXX. 

I asked if this is going to be reported to credit? she said no. I said is this call being recorded? She said no. 

Side note : She never read me my rightsshe never announced that she was a collector attempting to collect a debt. She should have never shared your information with me! > The above was all from my boyfriend and I am not pleased with them sharing my personal information and I know that it's not legal! Not only is this a violation but it was extremely embarrassing and was my private information, I had absolutely no other negative infractions on my credit report and this has been a constant stress and impedes my ability to obtain credit.
Product: Credit reporting

I disputed XXXX items with XXXX, they did great and took care of me. They were adequate and thorough. Although, Experian and XXXX will not remove what XXXX removed. I will attach all documents involving my cases in XXXX. I attempted to call XXXX and XXXX but I need to buy XXXX credit report first. I used my annual free credit report and called. They said it has already been disputed and those were the final results. I am asking you for help to remove my negative accounts when I am paid as agreed and to completely remove XXXX because of my separation agreement and final divorce decree naming XXXX ( ex husband ) the car, also stating he is solely responsible and has been since XXXX of 2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received a phone call from XXXX XXXX, my mortgage company, about a disaster forbearance due to Hurricane Harvey. During that time I was told that no payments would be due on my account and that no credit reporting would done. At the end of XX/XX/XXXX I received a letter that stated my disaster forbearance would end on XX/XX/XXXX and at that time the total sum of my account would be due in the amount of {$1500.00}. Because XX/XX/XXXX was a holiday and offices were closed, I called XXXX XXXX on XX/XX/XXXX and paid the requested amount of {$1500.00}. On XX/XX/XXXX, I received a credit monitoring notification that there were changes to my credit report. When I checked my credit report, it was noted that XXXX XXXX reported my mortgage account as delinquent 90-119 days past due. I then placed a call to XXXX XXXX  and spoke to a manager regarding this matter. I was told that they were aware of the problem and an issue with their system prompted the system to subsequently report all customer accounts that were on disaster forbearance as delinquent for more than 90 days. I was then told that a task was sent on my behalf to their credit reporting department to have the incorrect reporting updated to adequately reflect no late payments. I was also given the name and fax number of a XXXX XXXX and was told that as an added measure, I could submit a letter to her in an attempt to expedite the matter, which I did. I made subsequent phone calls to XXXX XXXX  regarding this matter to have the same answers regurgitated and no action taken. This reporting has dropped my credit score over 100 points and even further dropped my credit score by having my creditors reduce my credit limit on current accounts thus increasing my utilization rate on these cards. This has also made me have to put a needed car purchase on hold as my credit score, as it stands would cause me to have a higher than wanted interest rate and down payment. It has been past 30 days and my credit report continues to reflect an account that is 90-119 days late. 
A more thorough review noted that XXXX XXXX has reported my account as 30 days late for XX/XX/XXXX, which is also incorrect. 
I have disputed this information with the credit bureaus and submitted proof of the letter received and proof of payment, it has been past 30 days and nothing has been removed from my account
Product: Credit reporting or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX APT XXXX, XXXX, FL XXXX
Product: Credit card or prepaid card

I placed two orders from XXXX and XXXX. 
1. I returned two items to XXXX ( {$170.00} and {$78.00} ) and it refund me one of them ( {$170.00} ). But the other refund ( {$78.00} ) had some delay, so I opened a dispute through my Discover credit card. 
However, Discover thought {$78.00} is a part of {$170.00} and denied my dispute. Also, this made XXXX charge me some extra money because they thought they refund me twice. 


2. I placed an order from XXXX. There was a refund of {$52.00} on XX/XX/XXXX, and that was because we removed the oversold item " before shipping out the order. 
And I open a dispute for other items for the {$220.00}, however, Discover thought {$52.00} is a part of the {$220.00} and denied my dispute. This also made XXXX charge me another {$52.00} because they refund me twice. 

I contact both merchants and XXXX, they asked me to talk with Discover. However, Discover refused to reopen the disputes. So I lost {$220.00} + {$52.00} + {$78.00} + {$74.00} ( because I put the wrong number in the first dispute ), and neither Discover nor XXXX solved my case.
Product: Credit reporting or other personal consumer reports

Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Tx XXXX Phone Number : XXXX Email Address : XXXX Last 4 Digits of SSN : XXXX Subject : Identity Theft and Failure to Comply with Federal Credit Reporting Laws In XXXXXXXX XXXX XXXX I discovered multiple fraudulent accounts and inquiries on my credit reports from XXXX, XXXX, and TransUnion that I did not authorize or open. These accounts are directly tied to my compromised personal information. 
Despite my repeated efforts to resolve this issue, the credit reporting agencies ( CRAs ) have failed to investigate and remove the fraudulent items, violating multiple federal statutes, including : 1. 15 U.S.C. 1681c-2 Failure to block fraudulent information within 4 business days of receiving my dispute and supporting documentation.

2. 15 U.S.C. 1681b Unauthorized sharing of my personal and financial information without permissible purpose 3. 15 U.S.C. 1692g Failure to provide written notice of alleged debts within 5 days of reporting. 
4. 15 U.S.C. 1681n and 1681o Willful and negligent non-compliance with the Fair Credit Reporting Act ( FCRA ).

5. 26 U.S.C. 6050P Failure to provide proper validation of any alleged debt, including evidence of cancellation or discharge via Form 1099-C, if applicable. 

Fraudulent Accounts in Dispute : Creditor Name : XXXX Account Number : XXXX Type : Credit Card Status : Fraudulent Fraudulent Accounts in Dispute : Creditor Name : XXXX  Type : auto insurance Status : Fraudulent Fraudulent Accounts in Dispute : Creditor Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Type : personal loan Status : Fraudulent Fraudulent Accounts in Dispute : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Type : auto loan Status : Fraudulent Fraudulent Accounts in Dispute : Creditor Name : XXXX XXXX XXXX Type : medical service Status : Fraudulent The fraudulent reporting of these accounts has caused significant harm to my financial reputation, including : 1. Denials of credit applications.

2. Damage to my credit score.

3. Emotional distress caused by repeated failures of CRAs to address the issue.

FTC Identity Theft Report Number : XXXX Notified the creditor ( XXXX XXXX and initiated a fraud investigation. 
Placed fraud alerts and frozen my credit reports with all three major credit bureaus. 
Filed disputes with XXXX, XXXX, and TransUnion. 
Currently in the process of filing a police report.
Product: Credit card

I was denied credit and due to cfr part 1002.4 A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction.
Product: Debt collection

I contacted debt collection agency to settle the debt, they refused to take my call said they only do it through email. i emailed the company and they did not respond. I repeat called asking to have this resolved and handled. They were rude and refused to speak with me hung up on me. They have hung up on me and refused to speak to me civilly to handle debt. they have blocked my number and refuse to speak with me to allow me to pay off debt. the man I was told was the only one who could handle my account cut me off from speaking several times and hung up on me. I have never heard of a company that refuses to let you pay it to have it taken care of. I understand that companies do not have to take a settlement however, they should allow me to be able to pay the balance to begin with
Product: Money transfer, virtual currency, or money service

I am an Ally Bank customer ( digital bank ). Since there are no physical locations, and I needed a cashier 's check to make my first payment for an apartment, I ordered a cashier 's check over the phone. When I began the process, the agent confirmed my account, including my address in Colorado. I have lived at this address for over 6 months, and I updated my address with Ally Bank at that time. Previously, I resided in XXXX, OK. After confirming my Colorado address, the agent finished the process of sending me the cashier 's check made out to the apartment complex, and I paid for expedited shipping because my move-in date was about 5 days away. The day before my move-in, when I had still not received my check, I called Ally and they gave me the tracking number. This revealed that they sent the check to XXXX, OK. The agents I spoke to that day confirmed that this was entirely their error. The address on file was the correct Colorado address ; however, their cashier check system is a separate system that was not updated on their end, and somehow even though I confirmed my address with the agent, she must have still used the Oklahoma address later on in the phone call without ever notifying me of the same. Ally is refusing to refund the money and is requiring a notarized affidavit from the payee who is not willing to do so. The loss of this check is 100 % Ally Bank 's negligence and fault as they have confirmed, yet the refuse to refund my account with the {$2600.00} they withdrew for the lost check.