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

XXXX XXXX  claims I took out a loan that I never did take out ask for the paperwork showing where I signed for the loan they never gave me the paperwork or sent me anything showing I sign for the low this was opened under an address that was not even my address and address that I have never lived at I did not open this loan or take out this loan the address isn't even mine please have them delete this from my XXXX and Experian credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX have spoke to someone at Quality acceptance which I have a car loan repossessed my vehicle on XX/XX/XXXX .I spoke a several different agents telling me I have 20 days to redeem my vehicle and it will not be a repossession on my credit. On XX/XX/XXXX they reported it repossessed and it showed up on XX/XX/XXXX. I called back and 2 other agents told me it will be changed and will just continue and repossessed will not be on my credit. Everything is not adding up I'm trying to purchase a home due to close which I told them next thing you know I see this info on my credit. How can they do this to my credit when I'm current and they told me I have 20 days and it won't be placed on my credit if I redeem in that time frame. Which it was. Please assist me with this situation. My family needs their home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting methods of verification on certain items on my report from XXXX, equifax and XXXX credit bureaus and have filed several disputes and they keep coming back as verified. I did some investigating and found out they are using third parties to obtain information that may or may not be true. I have a total of seven items in question that need to be removed from my credit reports ASAP. The items are as follows 1. XXXX XXXX, I am unaware of this account. 2. The XXXX XXXX XXXX, I am unaware of this account. 3. XXXX XXXX XXXX, the information being reported is wrong because the dates and amounts don't match. 4. XXXX XXXX information is reported wrong because the dates are wrong and it was not a repossession the item was sold. 5. XXXX  unaware of account. 6. XXXX XXXX XXXX I do not owe this debt, they are reporting as a charge off and still reporting an amount owed. They have been paid in full! 7. Chapter XXXX bankruptcy, requested them to tell the method of verification they used to verify this item, they stated the courts but I have proof from the court they don't give information to credit bureaus. I have been dealing with these issues for several years now and nothing is being done to correct anything. I have disputed by mail and phone. I know my rights with the fair credit reporting act and if they don't remove these items I'm prepared to file a lawsuit against them within a 15 business day time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting XXXX XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and XXXX data breach.
Product: Credit card or prepaid card

My store credit card was stolen and used at a store on XXXX and XXXX. 
The store has the criminals on video making the transactions. 
I never authorized anyone to use the card. The criminals used the card to the maximum credit limit. I reported the theft of the card. Comenity should speak to the store security manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sorry I previously made this complaint but forgot the account number. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. The amount reported is {$320.00}. Account number XXXX. 

15 U.S.C. 1681 Section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

Since XX/XX/XXXX I have been paying my vehicle loan and it is too high of interest rate, it 's above % 20 I paid {$5000.00} down the balance is still increasing and higher than the actual value of the vehicle. 
The company makes it difficult to make payments ; in locked out of my web account and they do not have assitemce to get me logged in and every time I make a payment they charge me {$8.00}. 
They raised my payment by approximately {$100.00} in XX/XX/XXXXand said it was for insurance which I took car off. I have not received my tags for XX/XX/XXXX and the police told me my vehicle came up as not registered. 
I am not defaulted in payments however when I have trouble paying on time they call my friends and family and tell them I did n't pay on time and they are trying to get ahold of me. It 's embarrassing and they make it difficult to pay on time. They have already report led to my credit that I was late on a payment.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

5. Late Payment Law Letter finance charge XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 


As a consumer by law, these accounts on this letter must be updated or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated.
Product: Debt collection

I called Alpine Credit regarding this debt which was placed on my credit report. The hospital that sold the account to them never gave the attorney dealing with this lawsuit case time to pay the medical bill, nor did they notify me that it was going to collection and placed on my credit report in 4 different accounts causing damage to my credit report. I called alpine credit to get the matter resolved and the representative told me it can stay on my credit report and hung up in my face. They are trying to also charge me more than the original medical bill amount. I want this item removed from my credit report.
Product: Debt collection

On XX/XX/year> my personal checking account and savings account, along with my XXXX XXXX  childrens accounts based on a judgment that k was never served a summons to appear for. I sent them a copy of all the bank statements along with my competed exempt forms. They cut contact with me once I submit the forms and claim to be unable to call or email out to get in touch with me. My financial institution could not get a response to any of the memos they sent to the firm as well. After XXXX days my funds were released back into the accounts. A month later, they took more money from my account with no letter, no court summons, nothing at all. The funds they took are once again exempt. It is my understanding that once exempt status is acknowledged they are not allowed to take the money again. I tried setting up a payment plan with them and they told me they had to send the offer up to get approved. I called back XXXX days later and they said they still didnt have an answer. When I mentioned the exempt forms again is when they had me send them over to an email address and then contact was cut. I called them again today about it and was told to resubmit exempt forms and call my bank. I have faxed and emailed the proper documents again and according the the papers I should only have to wait XXXX business days for my money to be released. My issue is that they did not notify me that they bought the debt, nor did I receive any correspondence showing me I needed to contact them regarding the matter. I have been working diligently going through each of my collections to settle them and they have done nothing but go around proper protocol and laws to steal money that can not be touched in these types of cases. This is the first of many complaints I will be making because I should not be ignored when I do not have a job. I was injured at work and for XXXX years went to XXXX  and had XXXX. They emptied all my accounts and my kids accounts to XXXX  leaving no money to live. They never informed me that they bought my debt giving me a chance to dispute the amount owed or arrange anything. I was never served a summons. The only reason I found out about the debt was when they emptied my checking and savings and my XXXX XXXX  childrens checking accounts.
Product: Checking or savings account

Saw an offer to open a new business account with Citibank and receive from XXXX to XXXX depending on the amount of money deposited into the account for three month average. I wanted to transfer my money from XXXX XXXX to Citibank business account but of course I had accounts payable had to order new checks and change some information with my accountant and credit card processor which took a few weeks. The banker said I would have time to transfer it from XXXX XXXX. It was a lot of work to transfer to citibank. After 4-5 months I noticed I had not received any bonus at all. When I approached a banker, he said, sometimes it takes extra time. 
Then a couple of months later, I was interested in opening a CD and brought it up again, and wanted them to look into it in more detail. Now this is nine months and I was supposed to receive it after 90 days. This time they said that they didnt put in the proper promo code or something, and they had to find that code, but they were having trouble finding it. 
Then I talk to a bank manager, XXXX XXXX XXXX, in XXXX, Connecticut at the branch that I opened it. He said there was a dispute put in. He called me once at work when I was very busy and I told him Id call him back and he has not responded to any of my phone calls or emails since then its been a few weeks now I went into the branch and talk to a banker, but he was not there. 
It honestly feels like to me that they purposely do this and just hope customers forget about it because theyre so busy with their business and get frustrated and quit pursuing it. They know all the aggravation it would be for me to take my money out now and change back to a different bank. I bet if you surveyed all of the people who signed up for this promo, many of them did not get any of their bonuses, and I would suspect a class action lawsuit could be filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CAR LOAN IS NOT SHOWING ON MY CREDIT REPORT, I HAVE AN AUTO LOAN WITH XXXX THAT WAS OPEN UP ON XX/XX/2019IT IS AN AUTO LOAN AND IT IS NOT SHOWING ON MY CREDIT REPORT.
Product: Credit card

I have maintained a credit card account with Chase bank for over a decade and until this month ; XX/XX/year> I had the ability to make my monthly payments online. However, I was unable to do so this month due to the following notice on the Chase banks website.

We don't support this browser version anymore. Using an updated version will help protect your accounts and provide a better experience.

" Update your browser. '' As a senior citizen I have a serious issue with Chase banks latest credit card policy related to online processing. The bank is virtually excluding customers like me from making online payments and having access to monitor their accounts unless they meet the business demand to upgrade their browsers and computer operating systems. Specifically, Chase bank is displaying a lack of customer service accommodation. To meet their demands I would have to purchase a new computer with an operating system above XXXX XXXX and required peripheral equipment. But all I am working on with my fixed Social Security income is to pay off my Chase credit card balance. As a retired online course developer I believe that Chase bank can make the necessary technical accommodation for users with older operating systems if their ethical business policy included concern for customer accommodation. Therefore on XXXX, I contacted Chase credit card division for help with this problem, and it cost me over an hour to complete the process from automated verification, to getting a human being to give me a response. The accommodation that the Chase employee in their technology department offered was to either pay by telephone, auto pay, or download the XXXX browser. My response was that I dont want to XXXX ) auto pay since I always input more online than the minimum due as my method of paying off my account, XXXX ) making payment by phone is tedious and time consuming navigating Chases automated system verification, XXXX ) according to the XXXX browser notice on the download site, it is only compatible with XXXX XXXX and above. Although Chase states on their website that they support XXXX XXXX yet I am unable to access my account online due to the version of Chrome browser they now require. Yet I am currently using the original Chrome browser with my Windows XXXX operating system on my computer to successfully interact online with my email accounts ; make online payments to all of my other creditors ; post and interact with my personal XXXX XXXX  ; post content I created on my PC to my XXXX XXXX page, my XXXX XXXX XXXX XXXX XXXX account, and upload videos I created on my PC for my spiritual/inspirational XXXX XXXX.
Product: Debt collection

I was a victim of identity theft, a Macys account was placed on my credit due to this incident. I contact Macys numerous times, sent them copy of police report .. disputed item and they refuse to remove item. They are unable to sent the verification and still tell me that item belongs to me and its verified. This account has been damaging to my credit and I need to get it remove.
Product: Credit card or prepaid card

Big issues with Comenity Bank. 
I recently Received a hard credit pull to purchase a home and was informed that my Excellent credit has been dropping because of Several unpaid payments to an old Credit card I have not used in almost 5 months. When Looking into the XXXX XXXX Credit card issue I discovered that After I had paid off the card in full on XX/XX/21 for the full amount of {$220.00} XXXX placed the card away in my safe hand have not used it. After paying off the card in full, Comenity Bank then added on an unknown Financial charge fee of {$4.00} a week later, because they added on a balance they then proceeded to add on Late fees and minimum interest charges without contacting me directly for the next several months. Months later on XX/XX/21 I finally received an email showing a new balance of {$22.00} on my card and my credit score had dropped due to the companies sketchy business practices. I have Statements showing the card was paid in full and And after contacting the number on the card [ XXXX ] and asking for the card to be closed I had to call XXXX times before a woman by the name of XXXX, badge XXXX finally was able to actualy close my card. Now my near-perfect credit score is damaged by this company, and I was charged a fee of {$4.00} just to close the card The bank website of : https : /XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate items from my credit report,
which I believe are negatively impacting my credit score. After a thorough review of
my credit report from your agency, I have identified several items that require
immediate attention and deletion. I have provided the details of the disputed items
along with explanations of the inaccuracies,the information reported for the abovementioned account is inaccurate and does not reflect the current status of the
account. I have enclosed supporting documentation that validates the correct
information.I have no clue what in the world the Credit Bureaus are trying to
accomplish by ignoring my request but it's just creating additional emotional &
physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting
Act (FCRA). Kindly help me remove the following items immediately: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed: XXXX XXXX XXXX XXXX Balance Owed: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, a collection item for {$2100.00} from a company, XXXX XXXX XXXX, appeared on my TransUnion credit report. I contacted both TransUnion and XXXX XXXX XXXX to get details of the collection item, but neither would provide any substantiating proof that this is related to me. Somewhere it indicated that the issue may be related to my XXXX accounts, but I checked with XXXX and all my accounts are current and no outstanding issues. 

Other reporting agencies do not show this item. 

TransUnion put a remark on the report that the issues is disputed by the consumer, but since it meets FCRA requirements they're not removing it. 

XXXX XXXX XXXX never responded to my request. 

I don't know who else to ask for assistance. Not sure hiring a lawyer is a correct course of action since the disputed amount is relatively small. 

I would appreciate if you can provide any assistance or course action that I can pursue to remove this item from my report. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I was approved for a personal loan in the amount of {$20000.00} with XXXX credit XXXX called and spoke to XXXX to request a higher limit. He had to speak to his supervisor, who then told me that they would have to withdraw the loan and I would have to reapply. I had two concerns and asked them if that would put another hard inquiry on my credit report,, they said they could not answer that. The second concern was what the worst case scenario would be if I didn't get approved for a higher amount. They said it would go back to the original amount of {$20000.00} I took their guidance and re-applied. It was then denied. I called again to let them know what was going on. They could not reverse what was done. They are now sending me an adverse action letter, even though I was approved. This will now hinder my credit score as well. I was lied to and misled. I also lost out on a {$20000.00} banking relationship due to lies and negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mib Inc has reported information about my husband XXXX without me his legal caretaker. I'm responsible for all of XXXX XXXX legal decisions and there was no official HIPPA form filed for life insurance. I am giving you allowed time to remove frivolous mib report. I was not present when forms were signed. My husband was unable to understand statefarms forms. His signature is null and void and I demand you remove mib report because it violate all forms of medical laws by leaving it there
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX