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

On XX/XX/XXXX, we purchased a used XXXX XXXX XXXX from XXXX XXXX in XXXX, Colorado. We knew we were going to finance it, but had not had a chance to verify the latest rate with our preferred lender ( XXXX ). When we told the sales person we wanted to verify the rate and then close the deal, he told us we could just put a downpayment on the car, and complete " the paperwork '' with his finance department with the understanding they would hold the paperwork for a short time while we confirmed the rate with XXXX. I was to let him know our decision the next day ( XX/XX/XXXX ). 

I verified the rate, XXXX was lower. We contacted the sales person by email on XX/XX/XXXX sending him the paperwork he would need to give to the finance department to complete the deal with XXXX 's financing. The sales person did not communicate with the Finance Department or he did and they ignored him. Over the weekend, the Finance Department initiated 2 hard inquiries on one credit reporting service, and 4 on a second credit reporting service and completed their paperwork, signing us up for a loan with XXXX XXXX. 
When we found out, I contacted the sales manager and got no movement. The Finance Manager reached out and basically told us we could choose to refinance the loan on our own if we wanted - but that we had 'signed the paperwork so he didn't feel he needed to do anything else '. We contacted the XXXX XXXX XXXX and I reached out to the sales manager by email - letting him know we had contacted the XXXX  and that whether it was a communication mishap or whatever, that we were not happy with the deal and wanted them to honor the agreement made with their sales person. They eventually responded to the XXXX  by supposedly buying out our loan with XXXX XXXX and replacing it with the loan from XXXX as requested. We expected them to reverse the hard inquiries on our credit report. They did not. I reached out to the Sales manager again, and asked him if they had a reason they could not reverse the hard inquiries. He did not respond. So we went back to the XXXX  and replied that our complaint was not complete. The Finance Manager responded to the XXXX  that we had signed the paperwork so he was not going to take any further action. Again... that wasn't the deal we made with their sales person - and even though they took partial action, my credit rating went from the low to mid XXXX 's to the high XXXX 's on both credit reporting services. 

My credit is important to me - and XXXX hasn't given me any logical explanation as to why they can't reverse inquiries that should never have been made against my credit. 

I have attached emails and the XXXX  chain of communication to cover details I may have missed in this overview.
Product: Debt collection

I never signed or agreed to pay the collection from the collection agency. I also advised XXXX that I sent the collection agency a validation letter and requested that they validate the debt, but the collection agency never sent me the validation letter. Also, the other credit bureaus XXXX and XXXX who had the same information were able to delete the collection from my credit report. I am requesting that XXXX remove the collection from the credit report.
Product: Credit reporting or other personal consumer reports

Ally Auto has shown varying dates of late payments on my vehicle loan from them that are incorrect. I've never had a late payment on that account and when I have inquired and then eventually disputed these errors with the company, the different bureaus shift the months around that they say I've been late and then closing the dispute and no fixing anything. I've attempted to have them correct this more than once now and even still the months that they say I was late don't even line up between the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5200.00} -This is not my account. 


-- XXXX XXXX 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$35000.00} -This is not my account. 









-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$350.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

EQUIFAX MAKES SURE THAT THE CONSUMER CAN NOT AVAIL HIMSELF OF HIS FULL CREDIT REPORT BY MAKING THE CREDIT REPORT SECTION OF ITS WEBSITE SO UNWEILDLY SO AS TO BE UNFIT-FOR-PURPOSE. 

THEY OFFER NO COMPLETE CREDIT REPORT FOR PRINTING OR DOWNLOADING INTO PDF, in contrast to the more reliable XXXX, for example. 

INSTEAD, EQUIFAX REQUIRES THE USER TO PARSE THROUGH 11 CATEGORIES OF ONE 'S CREDIT HISTORY. THEN, BY CLICKING ANY CATEGORY YOU ARE LED TO SUBCATEGORIES. UNDER EACH SUBCATEGORY ARE FURTHER SUB-SUBCATEGORIES TO VIEW THE ACTUAL MONTHLY CREDIT PAYMENT HISTORY FOR EACH CREDIT GRANTOR. 

FURTHER, XXXX LURES US INTO BUYING THEIR CREDIT REPORT SERVICES WHILE WE ARE SEEKING OUT OUR CREDIT REPORTS. THEIR " FREE '' SERVICE, COME TO FIND OUT, MEANS THAT I WOULD RELINQUISH MY ACCESS TO EVEN THIS ONLINE CREDIT INFO THAT I AM COMPLAINING ABOUT. INSTEAD, I WOULD RECEIVE ONLY MONTHLY XXXX XXXX SCORES, WHICH ARE FOR ILLUSTRATION ONLY, AND DO NOT INCORPORATE THE PREDICTIVE CONSUMER HISTORICAL BEHAVIORS THAT FICO SCORE  XXXX, XXXX SCORE XXXX, AND FICO SCORE ( XXXX ) INCORPORATE -- -MAKING THE XXXX XXXX SCORE 1. ) USELESS BECAUSE IT IS NEVER USED IN THE ACTUAL CREDIT DETERMINATION PROCESS, AND 2 ). KEEPS THE USER IN THE DARK ABOUT THEIR CREDIT LIMITING AND CREDIT ENHANCING BEHAVIORS.

IN SUM, EQUIFAX SEEKS TO DO THE MINIMIMUM PERMISSABLE UNDER LAW TO 1. ) AVOID GIVING USERS THEIR CREDIT HISTORY IN A MANNER THAT IS ACTUALLY OF USE TO THE USER WHILE 2. ) SELLING SCORES THAT ARE NOT USED IN THE CREDIT DETERMINATION PROCESS, AND WHERE YOU HAVE TO READ THE VERY FINE PRONT TO KNOW THAT TO BE TRUE. 

( I WOULD HAVE MUCH PREFERRED TO HAVE JUST DOWNLOADED MY EQUIFAX CREDIT REPORT IN 30 SECONDS RATHER THAN TO HAVE SPENT 30+ MINUTES TYPING AND EDITIING THIS COMPLAINT. BUT THIS IS WHERE WE ARE NOWADAYS -- -EQUIFAX DOING EVERYTHING IT CAN TO KEEP FROM INCURRING THE COSTS OF PROVIDING WHAT THEY ARE LEAGALLY BOUND TO PROVIDE )
Product: Debt collection

ABR Recovery keeps reporting the same time barred debt on my XXXX Credit report I have disputed several times and XXXX says they verified it was mine and leaves it on my report ABR recovery changes the open date and account number so that XXXX claims it not to be a duplicate Debt. This is a XXXX account that has has no payments made previous to XX/XX/XXXX. That is the last email confirmation I received from them before the debt was charged off so obviously payments were not being made months previous to this date. I have contacted ABR and they refuse to remove the Debt even when I sent them proof thats its time barred and they can no longer report. ABR Recovery claims they do not have to follow California 's guidelines. I have asked for proof that this is a new debt as they are reporting an open date of XX/XX/XXXX and XX/XX/XXXX and they do not provide anything because they don't have it. XXXX at ABR recovery even admitted over the phone it was a old XXXX debt. ABR also admitted they changed the dates to current dates to be able to report in hopes to get some money. My other credit cards are decreasing my limits and I can not refinance my house to pay my medical debts from XXXX XXXX do to ABR Recoveries incorrect reporting of this time barred debt. It is crucial that this gets taken care of correctly
Product: Debt collection

After the payments I made on the vehicle and the amount collected after reselling the vehicle. I was only to be responsible for the ramaining balance as per agreement. The amount being reported is incorrect and after numerous disputes Capital one auto finance has failed to correct this issue. They have also failed to send anything in writing as per agreement.
Product: Student loan

I resumed payment of a Parent Plus loan after the Covid pause ended in XX/XX/year>. The new servicer of my loan, Nelnet has been improperly crediting these monthly payments since then. They are crediting the full payment to a portion of the accrued monthly interest and the rest to principal. I have repeatedly requested that they pay the full amount of the accrued interest each month from my payments, not a portion. This method of repayment has resulted in an increase accrued interest and negative amortization. In addition, there is now {$14000.00} in capitalized interest in my loan balance. 

I have made five verbal requests and one written request for this to be corrected. I have filed two complaints with the Department of Education and they keep passing it back to Nelnet. I am looking for your agency to help me stop this financial fraud.
Product: Bank account or service

I bank with Chase Bank. I have used a service called Chase Quickpay.I have used this service successfully on many occasions to send money to my daughter. I used it for the first time in an attempt to send money to my son. The transaction was approved on XXXX XXXX in the amount of {$950.00} and the money was withdrawn from my checking account. The money never arrived to my son 's account. He has an account with XXXX XXXX XXXX. I asked Chase bank on XXXX separate occasions to trace where the money went and they continually state that the issue is with XXXX XXXX XXXX. XXXX XXXX XXXX then states to my son that this is an issue with Chase Bank. I have gotten no where as a result and I have lost {$950.00} using this service. My claim was rejected by Chase Bank with no explanation. I would like to see my funds returned to my account and I would like to seek damages additionally. I have spent several hours trying to recoup my funds and have been treated quite poorly by Chase Bank assistants.
Product: Money transfer, virtual currency, or money service

Parties involved- XXXX bank, Zelle XXXX and myself Note of what occurred : On XX/XX/XXXX, and XXXX I sent over XXXX transactions to my landlord after receiving a government check from XXXX XXXX XXXXf - both transactions were for $ XXXX {$4000.00} in total- since I have sent him a payment before via Zelle and he received it- this was on XXXX XXXX- I pushed the repeat button to do the transaction again. After an investigation, it was found that the account number was off by one digit. Zelle claims that it is my fault, but thats impossible. I had used Zelle to send money to this account in XXXX of XXXX, so I just hit the repeat button to send it the second and third time. Since my landlord received the funds back in XXXX, he should have gotten the money these last two times as well. But apparently someone at Zelle must have input the wrong account number. This money came from the Federal agency responsible for helping those affected by Covid I also reported to my bank the week of XX/XX/XXXX that there was unknown activity within my bank. I contacted the bank- and was told that my account was fine. They did not note this in my file. I have requested several times for a manager to contact me from the bank with no response from management
Product: Credit reporting or other personal consumer reports

My loan was opened on XX/XX/XXXX accord to my report. Date of first delinquency would be 120 days later on XX/XX/XXXX. Closed on XX/XX/XXXX. I have tried to dispute this and they keep telling transunion that its accurate. I have NEVER made a single payment to XXXX. It has been over the 7 year requirement. They legally have to delete this. I did the XXXX XXXX XXXX and qualify for deferred payments for the first year through XXXX and I am currently paying XXXX a month on them. So the loan was transferred, but a transfer does not reset that clock. It already came off the other XXXX credit bureaus. This is preventing me from accessing necessary credit that I DO qualify for. The green checks in the screenshot are not accurate, as i said, Never made the first or any payments.
Product: Credit reporting, credit repair services, 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 this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX  XXXX Balance : {$32000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$32000.00}
Product: Checking or savings account

I'm trying to close my Huntington checking account - XXXX. Normally I would use a bank online message center, but Huntington doesn't have one. Then I tried to use their online chat, but it tells me I need to go in person to a bank, although I have an online only account and there are no Huntington branches near me. I can't get past the virtual assistant to a live person. So I phoned Huntington XXXX but it asks me for my debit card number which I don't have. I was finally able to get through the automated message, only to be told that my estimated wait time is more than 45 minutes. So ... no online message center, no live chat, no bank branch, no phone help. This is insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the total balances of two collection accounts on XX/XX/2021. The collection companies mailed a payment verification letter to Equifax but Equifax refused to check and update the two collection accounts records.
Product: Payday loan, title loan, or personal loan

I opened a line of credit with Citizens Bank to purchase an XXXX at XXXX per the XXXX website. The total account purchase was XXXX. On XX/XX/2022, called in and paid the account balance to 0 and requested for the account to be closed because I no longer needed the line of credit. The customer service representative stated that he would put in the request to close the account. After the payment was posted on XX/XX/2022, I logged into the account and observed that my available balance was still listed as {$2500.00}. I called customer service again and spoke with a female representative who told me that my account would close when the balance reached zero. She specifically stated that it was automatic. She then confirmed that my request to close the account was still visible. On XX/XX/2022, I logged into my account and saw that the available credit was still {$2500.00}. I called and spoke with a customer service representative and my account balance had to be zero for 30 days before it could be closed. I questioned why I was not told this during my previous conversations and she had no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ran my credit report due to drastic 100 point drop in my credit score. 
Found card was opened without my knowledge or permission. Called the card company and sent a letter to them XX/XX/XXXX advising this was fraud and I did not authorize or open account. 
Customer service advised account was opened with address I lived at over 10 years ago and phone number on account that does NOT match my phone I have had and used for 17 years. 
Security Department opened a case. They never called me or responded to my calls to go over the case. On XX/XX/XXXX I got a generic letter from them stating the debt was valid because it was taken from an address associated with me at one point! 

I did not authorize this account. It is fraudulent and card company is not cooperating or completing a fraud investigation. They are denying my case without providing proof even when I sent them two letters showing I can prove I have not lived at this address in over 10 years and have opened many accounts and closed over 10 years never using any address other than the address I reside at. They did not properly trace a false phone number provided for account ( XXXX ) and never contacted me at any time from when account was opened in XX/XX/XXXX until they charged off the account XX/XX/XXXX. The claimed balance overdue was {$190.00} and with late fees total {$360.00}. During XXXX to XXXX they made no attempt to verify my correct address or phone number. 

The customer service at card company did say that they did send letters to an address in XXXX XXXX XXXX! If they skip traced my entire life history they would have confirmed that I have NEVER lived in XXXX nor ever listed an address there -- EVER. 

I am requesting the company provide me with an application, how consent was obtained, how the account was authenticated, copies of all statements and all correspondence associated with this account so I can provide to my attorney. 

My credit history shows I do not have any accounts in collections, late payments or charged off in my 20 years in XXXX FL. This error is negatively and unjustly impacting my credit score as a charge off. My present credit report is over 40 pages long with multiple opened and closed account ALL in perfect standing. I have hundreds of thousands of dollars in assets and lines of credit and I would never ignore a debt of {$190.00}. Credit card company never called my home phone number of XXXX ever and never sent any correspondence to my address where I have resided since XXXX. 

As an unauthorized account that was fraudulently set up I am requesting the entire trade line be immediately removed from all credit bureau reporting agencies. 

Credit Card Company- XXXX  XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occasions to update my address with the creditor and dispute late payments reporting due to insufficient address. I spoke to a representative and on XX/XX/XXXX a dispute was put in but it failed to resolve my issue. On XX/XX/XXXX was the first dispute for not receiving bills. On XX/XX/XXXX the manager requested for all latest to be updated the two 30 day latest and one 60 day late and this was never done on my account. My account has been reporting wrong for over a year with a negative  impact to my credit.
Product: Credit card or prepaid card

I purchased a XXXX XXXX in XX/XX/XXXX which was supposed to allow me to travel from XXXX XXXX until XX/XX/XXXX. I could not schedule until XX/XX/XXXX. When I tried, I could not schedule anything without paying more or the place I wanted to travel to was not allowing me to use the XXXX XXXX. 

Although I was aware of blackout dates, this was not what I expected. I tired reaching frontier via every mode listed : phone, email, and the chats. Nothing led me to be able to request a refund vi electronically or discuss anything with a live person. Even the phone number was bogus : XXXX. 

After several times I reached out to US Bank who gave me a provisional amount. It was rescinded XX/XX/XXXX, because I failed to return the completed US forms which I was unaware of. After sending them back on XXXX XX/XX/XXXX they refused to reopen the case. 

Their reasoning " It was the same information. '' I continued to call and visited a branch because I'd sent in the docs and a picture showing I have no points and have not used XXXX XXXX. 

Finally, XXXX XX/XX/XXXX they reopened the case. Yet today they have recharged me again. When I called, according to the US rep I talked to, there is no one handling my case. I could only leave a message. 
Today I uploaded the original docs sent to US Bank and the current pictures from my portal on Frontier. As you will see, I have no miles and no ability to use a XXXX XXXX XXXX. 

This is a business card and I have had to take a plan and XXXX trains recently because of this dilemma. I can not use it to XXXX for my XXXX-class reunion XX/XX/XXXX and return on XX/XX/XXXX. I was supposed to be able to travel nationally and internationally. 

I am disappointed in US Bank because regardless of if my bill is {$1.00} or thousands, I pay it monthly. I do not believe anyone truly invested and they are pushing paper and going by ads or whatever they think without justification. I have nothing for my money.
Product: Debt collection

I received a letter on XX/XX/21 from XXXX XXXX XXXX XXXX saying that I owe {$1300.00} on my PayPal account. It states that unless I notify them in writing within 30 days disputing the validity of the debt, they will assume the debt is valid. The letter states that they would accept {$990.00} as a partial payment by XX/XX/21. XXXX XXXX XXXX XXXX is requesting that I make the payment directly to them ( instead of to PayPal ).

I contacted PayPal and they confirmed that I have {$0.00} debit with them and have always had {$0.00} debt with them. They suggested I disregard the letter and not provide any information to XXXX XXXX XXXX XXXX, as they believe it is fraud. 

I believe the letter I received from XXXX XXXX XXXX XXXX to be fraud/scam or a case of identity theft and do not plan to contact them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a debt under my name under all three credit burea that is Outdated by Georgia Statue of limitation nor is this my debt. I've mailed documents to XXXX XXXX XXXX on XX/XX/XXXX and their address is XXXX XXXX XXXX, XXXX, MS , XXXX and informed them via mail that the amount of {$23000.00} is not my debt and this debt is also past the statue of Debt law in GA which is 6 years and cant be reported by law due to it being outdated. However the account continues to be reported under all three credit bureau and by Law is Outdated and is not mine but continues to reappear every time I dispute this account with the credit bureau removes it. XXXX XXXX XXXX adds the account back to every credit bureau. Ive provided this information by mail but XXXX XXXX XXXX continues to defame my name and this is in Violation of the Fair Credit Reporting Act and a Violation of the Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

I requested XXXX XXXX credit card to close on XXXX XXXX and from credit report I get to know, it got closed on XX/XX/XXXX. 
Later there was a charge on Credit card on XX/XX/XXXX from XXXX shoes. XXXX allowed the charge and didn't inform me about the charge. 
the last continuous statement that I got was for XX/XX/XXXX. After that I was not getting any statements. 

Out of blue I got a mail from XXXX on XX/XX/XXXX stating XXXX is stopping the product and all current accounts are getting closed and had 7 attachments. I checked few attchements ( Not all ) and all balances was XXXX in those. Also I was not expecting a change on a credit card which was closed more than a year ago. 

Then on XXXX I noticed my Credit score dipped and noticed a charge on XXXX. Then I went back to XX/XX/XXXX mail and found XXXX of the statement our of 7 files had this charge. They send the charge intimation after 8 months. That too not as part of normal intimation, and it looked like a general mail after there product closure. 

As soon as I find the info about that charge I worked with company to pay the charges. 

I informed them If there was an intimation of the charges, I might have worked with roadrunner to revert the charges or paid. Since they didn't info me about the charges my credit score have been affected and its affecting my mortgage rates. When I asked the company about the same. They said they marked the account as paid, they can not do anything more.