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

Well, the process has been tremendously overwhelming to me as well as my daughter. This has been a 19-year process that has been devastated to me in resolving these issues with my identity as well as my daughter. It started when I worked for XXXX XXXX XXXX when my daughter 's SSN number became my SSN number after being laid off for a week in the year of XXXX. Her SSN number became mine in the credit bureaus, which has been an ongoing problem with credit, taxes, and other related matters to my credit and taxes through all banks and credit reporting agencies. I have filed so many complaints with CFPB as you all probably can see. In the year of XXXX, there was a pre-approved letter stating to apply for a loan through XXXX XXXX, after making a call to the company about that it would not take my SSN the representative input the SSN because it would not take my SSN. After making payments for several months I got suspicious about the activity of the account because of the way it was set up on their end, so I thought I would apply because of the nature of the suspicious activity of the account that when I found out in the year of XXXX that I did not have an account in XXXX of XXXX with XXXX XXXX.That when the fight began it was put on my credit report knowing it was not my SSN that XXXX  had used to create this account.I filed a complaint against XXXX  in the year XXXX through CFPB, as you can see there is no signature on documents from XXXX, which this picture was taken on XX/XX/XXXX, which the loan was generated in XX/XX/XXXX. Each credit report has denied that the information was not put on my credit report which it was put on my credit report knowingly that it was not my account as reported by XXXX XXXX.I will be downloading documents from each credit bureau that it was put on my credit report.I even filed a complaint with the Arkansas Consumer Protection Bureau as well but never got an answer from the Arkansas Financial Protection Bureau in the year of XXXX it was filed through the Attorney General Office in that year of XXXX. If you would look at the two that are filed with you all on XX/XX/XXXX, you could see what was filed in this matter, with no response from the Arkansas Consumer Protection Bureau. On this day of XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I received a call today from the General Revenue Corporation ( or at least that 's who they told me they were ). They left a rather official sounding message that they were a debt collection agency and that I needed to call them back about a debt. I called them immediately and then they asked me to verify, for security reasons, who I was. They asked for my address, which I gave them ( because it 's public record ) and then the last XXXX of my social security number, which is PII and I would not give them. I asked them to disclose to me what the call was about or any details of the debt, which they would not tell me. They kept saying that I needed to disclose the last XXXX of my SSN or the conversation would be over. That 's when I told them that it would be over because I would n't share it unless they told me what the call was about, which they would not do. She kept telling me that she already had my SSN but she needed me to verify it. When I asked her how she got my SSN, she could not answer me. I advised her that only my banking and credit card institutions had my SSN and that all of those debts are up to date. To date I have received no verbal, text, or written notice that I have any unpaid debts, so I was very suspicious as to what this might be about. I checked my credit report, which showed no inquiries and no late payments within the past XXXX years as well as no public record accounts named. I asked the technician if she could explain how I was supposed to ever find out what debt I have n't paid if she would n't tell me, and she could not answer. She asked for my information again, I told her no, and then she hung up. This instance may have actually been the company that they said it was or potentially a spear phishing scam ; I 'm not sure which. I contacted our lawyer immediately who also advised me to not give my PII over the phone. Again, I have still never received anything in writing from any company or any loan agency or credit card to date, so I find it suspicious and do not feel like I should have to share my information with this company for them to tell me why they are calling me. The number they wanted me to call was XXXX, they contacted me from XXXX, and the technician 's name was XXXX.
Product: Debt collection

My wife and I cancelled the Loan within 30 days. XXXX our solar panel representative signed us up with 2 different solar companies and 2 different finance companies. 
XXXX XXXX XXXX and XXXX XXXX 

We asked to cancel the loan and installation of the solar panels because they were installed with no permit and havent been turned on since. XXXX XXXX has prevented the solar panels from being uninstalled and our credit has been ruined.
Product: Mortgage

Bank of America neglected to pay the correct amount on my township taxes due XXXX. Upon receipt of a delinquent tax notice from my town I contacted the bank and they confirmed they underpaid. The delinquent amount of {$120.00} plus a small interest charge were paid out and the township confirmed receipt. My issue is that the bank paid the interest charge out of my escrow account instead of paying on their own as there or was 100 % theirs. I contacted them several times and they will not budge. I believe this may be a systemic problem and perhaps thousands of other customers may be unfairly charged as I was for the banks initiated errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this company and I do not owe them, remove this from my credit report..I already sent letters to the credit bureaus to no avail..CFPB step up and remove XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, Chapter XXXX  Bankruptcy XXXX, Chapter XXXX   Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get copies of my detailed credit report and score from XXXX, XXXX, and TransUnion since last year, but neither one of them was willing to send an actual report out to me. I even completed the standard free credit report request form for all three bureaus even though I was entitled to additional copies of my report since I'm in the middle of a credit crisis, but none of them sent me a report. This is unacceptable. I need a current copy of my detailed credit report and credit score from all three bureaus immediately.
Product: Credit reporting or other personal consumer reports

I'm having a problem with my credit. So, I got a XXXX XXXX XXXX XXXX in XXXX. Then, I got this alert on my phone saying there was a hard inquiry about it last month XXXX XXXXThat made me check, and I found more of these hard inquiries on my credit report. 

I called to get rid of them because these things are not mine and not allowed to be on my report, according to some FCRA rules. None of these accounts, like XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have anything to do with me, and they got ta go. XXXX XXXX put at least XXXX inquiries on my account, and I never had anything with XXXX XXXX XXXX. It's not even a bank here in XXXX where I am. I only use XXXX XXXX. 

There's also this trucking school, XXXX XXXX that shouldn't have checked my credit. I only gave them my social security number to check my driving record for school, not for a credit check. They ran my credit without telling me, and when I asked them, they said I should talk to the credit bureaus. Clearly, they made a mistake. 

Now, I just want a good look at these unauthorized hard inquiries by the credit bureaus. If they find out they're wrong or unauthorized, I'm just asking them to take them off my credit report. I'm not trying to erase any debts, just these unauthorized things. Show me signatures or ties to these accounts. 

And forget about them saying they'll put a fraud alert on my account ; I can do that myself. I'd appreciate it if the credit bureaus just follow the rules ( FCRA stuff ) and sort this out real quick.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reinvestigation, this XXXX XXXX  # XXXX **** was opened XX/XX/XXXX, and Closed on XX/XX/XXXX Pay Status Charged Off. As of Transunion Report dated XX/XX/XXXX. As of XX/XX/XXXX, This account has been reopened as an active account on my credit report with late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name and number XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX BANK Account # XXXX. 
XXXX. XXXX Account # XXXX XXXX. XXXXXXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Hi, I'm filing this complaint against - BARCLAYS 's Credit Card with XXXX Rewards. 

I'm using this card for a long time ( >6 Years ) and I always have used this card for my purchases at XXXX because of the benefits they provide on purchases made at XXXX. 

Visit this for more info- https : //www.barclaycardus.com/apply/financingeducation/ The above link has all the information that you need to know before using this card. Apart from that I never had any other information until today. Basically, there are two benefits - 1. You earn XXXX points when you make a purchase 2. Your purchases go into special financing options so you can pay that within that time frame to avoid interest charges. 

Now, just today I got to know from the Barclays customer service ( Supervisor ) that for 2nd benefit, you need to call them to find if that special financing option is available or not before making any purchase. I called them because I was getting interest charges from the last couple of months on one of my XXXX purchases and I was not sure why it was happening even when I am making payments ( more than minimum payment ). 

When I called them they told me the time I made the purchase the promotion was not going on and you should have called us to determine this ... The complaint that I need to file is - They did not specify this requirement to the customers? How would customers like me get this information? Nothing is mentioned about this on https : //www.barclaycardus.com/apply/financingeducation/. When they sold the card they mentioned the 2 benefits and that's why I was using the card for a long time and now suddenly after so many years they stopped automatically special financing promotion and started a new requirement of customers call them and ask for this? 

There was no communication on this change to old customers as well? During the COVID - their phone lines were not working. They were playing automated messages on their customer lines to send a message instead of a call. I sent them 2 emails, followed up with them for 2 months but nothing happened. Today after I see another interest charge I tried to call them and luckily got connected. But during the call, they told me I did not call to confirm the promotion? How would I know that I need to call? 
And how would I call when your phone lines were down during the COVID? 

I'm not sure what would happen with this complaint. Whether any actions will be taken on them or not but as a customer they have given me a lot of mental stress. They were not supportive and they were talking like it's my mistake that I did not call and I confirmed about the promotional benefit. 

Being an old customer, today I'm very upset with their service and behavior and paid out all balances and now closing my accounts with them. 

I would like to know what actions can be taken on misinformation? 

Thanks
Product: Debt collection

On XX/XX/XXXX a collection account appeared on my credit reports from AFNI for a supposed debt of {$460.00} to XXXX. This account states it was placed for collection on XX/XX/XXXX. I have no recollection of this collection account. I have had an account with XXXX since XXXX ; it is up-to-date and active.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to Experian. I received a copy of my Experian credit report and it showed credit inquiries that I did not authorized. I understand that unauthorized inquiries should not be placed on credit files. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible purposes. 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received XXXX emails this morning from Chime. The first was a new login alert and the second was a welcome email from the CEO thanking me for opening a new account. I have never heard of Chime and never signed up for a Chime account. I contacted their fraud department and they closed my account but confirmed that my social security and personal information were all used to create my account. Other users on forums are mentioning they experienced something similar with Chime. I believe Chime is doing something nefarious here creating fake user accounts with breached consumer data and Chime is definitely not secure. Their signup procedure is way too lax for a bank.
Product: Credit card

I am submitting a complaint about an arbitrary reduction of my credit limit on my account from {$XXXX} to {$XXXX}. As a responsible cardholder who has consistently met all payment obligations without any delays or defaults, I find this action unjustified and detrimental to my creditworthiness. The sudden reduction in my credit limit has had a direct and negative impact on my credit utilization ratio, which is a significant factor in determining my XXXX XXXX. However, this unwarranted decrease in my credit limit has now artificially inflated my utilization ratio, thereby causing a drop in my XXXX XXXX. This arbitrary decision by Synchrony Financial not only undermines my financial standing but also jeopardizes my ability to secure credit in the future on favorable terms. A strong XXXX XXXX is essential for obtaining loans, mortgages, and even securing lower interest rates. The reduction in my credit limit, without any valid reason, has unfairly compromised my creditworthiness and financial stability. I request another review of this decision and the reinstatement of my original credit limit of {$XXXX}. Additionally, I seek a clear explanation for this reduction to ensure transparency and to prevent any future occurrences that could further damage my credit profile. As a loyal customer, I expect Synchrony Financial to address this issue promptly and take corrective action to mitigate the harm caused to my credit standing. I will continue to file complaints until this is resolved to my satisfaction.
Product: Money transfer, virtual currency, or money service

I was contacted by cashapp support explaining that I was in violation of terms and conditions. I have {$130.00} on that account and do not have access to it. I would like my account to be reactivated or atleast be able to get my money that is just sitting there. I have bills to pay with money Im not able to have access to. It would be much appreciated. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, XXXX, and Trans Union. Thank you!
Product: Debt collection

calls from them several times a day, everyday. i told them that i was in financial trouble and to stop the call and messages, that i would let them know if things changes.dates are from XX/XX/XXXX thru XX/XX/XXXX. one main financial at XXXX
Product: Credit reporting or other personal consumer reports

XXXX and XXXXXXXX XXXX XXXX both has been false reporting my credit for the last three -years in a row. They have been contact several times as the inaccuracy of the practice of reporting after XXXX XXXX XXXX they were paid and settled out and they continue to report well past the payoff and turning my account in to a charge-off creating a removal date of XX/XX/XXXX creating several denials for automotive applications as following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  By turning account into a charge-off they are able to keep account on the credit report inaccurately I'm applauded after XXXX XXXX XXXX in a roll of someone XXXX XXXX and founding these major errors, Finally, the default months are after settlement dates car accident on XX/XX/XXXX Pymt date of XXXX XXXX on XX/XX/XXXX Senior Rep at XXXX name XXXX claims Payment came in sometime in XXXX XXXX. Hopefully someone there processed the payments ( investigate ) spoke w her on XX/XX/XXXX over a recorded line exactly at XXXX on Tuesday she stated that both payments are there but they continue to not report my credit properly causing me credit denials, higher interest rates, higher payments for cars and bad purchases for vehicles that breakdown quickly..
Product: Credit reporting or other personal consumer reports

This account is listed on my credit report and I have no knowledge of this account. This account listed below is unauthorized KIKOFF THE FOLLOWING IINQUIRIES WERE UNAUTHORIZED : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This account was previously submitted to XXXX Attorney General 's Office for illegal collection practices. I later was informed that Attorney General 's Office of XXXX was unable to locate holder of account. This account has since been to sold numerous but I was not notified, thereby accumulating massive fees without my knowledge. After reviewing credit report and numerous phone calls, I was connected with XXXX of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. Upon speaking with individual, was informed of an expected payment amount with-out seeing the actual balance owed in writing
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I have asked Experian, and XXXX for proof that this XXXX XXXX XXXX account belongs on my credit file, with absolutely Blatant disregard, I have disputed this item several times and it comes back as verified, Updated, Contact the furnisher or Frivolous. 
I sent them a letter requesting paper work that led them to adding this to my file over 90 days ago with no response. 
They have blatantly disregarded my request i have noticed that Experian XXXX and XXXX feel as if they are above the law. 
luckily I kept PDF copies of the 609 letter i sent to XXXX XXXX XXXX with a response telling me to provide a copy of my Id and social after that no more responses. I have tried calling XXXX XXXX network and they are very rude and mean. and just tell me they are going to sue me and take all my earnings. 
so my question is if I cant get propper validation from XXXX XXXX XXXX and the 3 credit bureaus can not show me proper validation how is this still on my credit file? 
I would really aprerciate the CFPB 's help with this matter