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

I have noticed that some unauthorized inquires are being placed on my credit report, which i do not know anything about.reporting inaccuracy on consumer report is unlawful and this violated my consumer right. I hereby want a full review on my report and quick removal of all the listed unauthorized inquiries. 

XXXX XXXX ( bank ) XX/XX/2023 XXXX XXXX ( bank ) XX/XX/2023 XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( finance ) XX/XX/2023 XXXX ( bank ) XX/XX/2023 XXXX XXXX XXXX ( bank ) XX/XX/2023 XXXX XXXX XXXX ( bank ) XX/XX/2023 XXXX  XXXX ( bank ) XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX suggested that I missed a payment on one ( 1 ) of their credit cards although I never did and I disputed this fact with XXXX XXXX. I had an exceptional payment history with the credit card in question until XX/XX/2015. This is when I had an issue with XXXX XXXX and disputed their allegation that I was 30 days late on a payment ( XX/XX/2015 ). XXXX XXXX dragged their feet and then noted me as being 60 days late ( XX/XX/2015 ) than 90 days late ( XX/XX/2015 ). Notwithstanding, I wanted nothing to do with XXXX XXXX and paid the account in full and closed it ( XX/XX/2015 ). XXXX XXXX however in a punitive nature reported to Experian that I paid the account late before I closed it. XXXX XXXX is wrong and their actions are negatively impacting my credit score.
Product: Prepaid card

I was issued {$1000.00} gift card, and I was able to make two purchases successfully, but ever since then every single purchase I attempt gets denied. I called Amex multiple times, and they updated my billing address, but otherwise they were no help at all, and the card still doesn't work. They always say " try another merchant '' but I have tried dozens of different retailers and none of them work, including the place that it worked before. This is clearly a scam, which is evidenced by the hundreds of other people who have had the same complaint. I have XXXX  left on the card, and I need to be refunded the money.
Product: Debt collection

A group called XXXX XXXX XXXX keeps contacting me about a debt with NetCredit, but I believe it may be from a fake company. They've been using intimidating language with me ( claiming that " we'll have to report your non-response to our client and it won't look good for you '' among other things ), and calling me repeatedly from different numbers, such as XXXX, XXXX, XXXX, XXXX, and several others, often several times a day. They also did not give me any information about the debt in writing nor give me a chance to dispute it. 

At first, they seemed legitimate, so I gave them my information, but when I asked about their online portal so I could make payments online, they told me they don't have one and only operate over the phone. Now I'm scared I may have given my info to scammers, although no money has been taken out yet. I did pay them XXXX dollars through a credit card, but thus far no other money has been taken.
Product: Debt collection

I viewed an apartment and started ( but did not finish ) the application process in XX/XX/2022 with XXXX XXXX in XXXX. My credit was frozen at the time, so when I got a notification that the application was submitted I cancelled my debit card to reverse the funds for the unit that I had not been ready to apply to. I cancelled my application, yet a collection account is showing for XXXX  for an apartment I never applied to nor lived in. The application was cancelled, not denied. It was not even processed.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my first time ever checking my report and I have no knowledge of having any account with first premier credit company. I would like to have the company removed from my report. There has obviously been some form of fraud which I'm highly unaware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

My query is with the company Discover Bank.I have contacted Discover in reference to account open in my name..They also receive a copy of Identity theft report from credit bureau when I disputed this account..I have asked for proof of my signature or any viable document that represent me entering into business venue with them ... I have now nor never done business with Discover..I have not applied for credit since XX/XX/2015 ...
Product: Mortgage

I 've been trying to have Everbank remove PMI from my mortgage. Below is the summary I sent to Everbank outlining my issues. <P/>This letter was originally faxed on XX/XX/XXXX to XXXX. Per my follow up call on XX/XX/XXXX, the representative confirmed that the fax was received on XX/XX/XXXX and that it had only been 25 days and the process takes 30, and instructed me that I should wait and I would receive a letter after the 30 day period. I did not receive a letter, so I called back on XX/XX/XXXX and the representative XXXX stated that he saw in the notes on XX/XX/XXXX stating that the letter was received, but he could not find it in the system. He had no explanation, after checking for an extended period, what happened to the letter. Speaking w/ his supervisor XXXX , she instructed me to fax in another copy to the priority number and said that she would monitor and make sure it was processed this time. I called back on XX/XX/XXXX to check a second time and the representative said she again could not find the XX/XX/XXXX letter. She instructed me to send to the priority fax number XXXX.
Product: Credit reporting or other personal consumer reports

EXPERIAN IS REPORTING A NEGATIVE ACCOUNT FROM XXXX  XXXX XXXX AND IT SHOULD NOT BE THE OTHER CREDIT BUREAUS HAVE IT REMOVED AND CORRECTED AND XXXX  XXXX XXXX NOTIFIED ALL OF THEM TO REMOVE THE ACCOUNT BUT EXPERIAN HAS NOT DONE SO AFTER NUMEROUS REQUESTA TO DO SO THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. 
Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : account name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have to submit this complaint because i have tried to contact you multiple times via the telephone and by the mail regarding this but I never was able to get my issue resolved. You never responded to my pleas. My credit report obtained recently shows a derragatory report posted by XXXX XXXX XXXX  as XXXX, as derogatory with the words charge off next to it. During this period I was dealing with the the deaths of both of my parents. I was forced to assume responsibility for their medical and other end of life needs. I only missed one credit cardpayment. I called multiple times and multiple times a XXXX XXXX phone customer service rep assured me that XXXX XXXX will remove it all. The customer service reps were graciously understanding and indicated that the late payments from this tumultuous time would not affect my credit. I am attaching the 2 death certificates of my parents as proof. Note, I was never told that by paying the balance in full I would be subject to a derogatory report on my credit. If I had known I would have done something else. I feel very mislead.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a security freeze on my credit report and will not remove it. I have jumped through all of their hoops to no avail. I exhausted all means on line and nothing worked. They claimed they needed more information so I complied and mailed everything they asked for. NO RESPONSE!!!!! I need this resolved as I need to get a loan for my son. It is very important. There is no possible way to speak to a real person on any of Experians contact numbers. I do not feel that a company that is headquartered in XXXX should be able to operate in this country without a phone contact with real people who have the ability to resolve issues. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IA XXXX email : XXXX phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to obtain a new vehicle and I have realized I have damages on my credit report, with unauthorized credit inquiries on my report and it is stopping me from obtaining my vehicle. According to the 15 U.S.C 1681 there should not be any damages on my report its a defamation of my character.

I have disputed and contacted my credit bureau 's who have tried to help me resolve this issue, but the items keep coming back on my report, please help me resolve this issue as it is stopping me from obtaining a future home. According to the FCRA, these unauthorized items must be removed. 

I am currently speaking with a representative and they have informed me they are unable to remove the inquires and negative accounts off of my report. 

I have inquires from XXXX XXXX  dated XX/XX/21 & XX/XX/21 XXXX  XXXX dated XX/XX/21 XXXX XXXX XXXX dated XX/XX/21 the list goes on please help. 

I will attach proof of residency and identificarition along with dispute results.
Product: Debt collection

In XXXX chase mortgage charged off the XXXX on my home, I haven't heard anything from them there was never an attempt to collect it was charged off. in XXXX I receive a notice from IRS stating Chase bank said I owed them more than {$200000.00} and that I was responsible for paying taxes on the debt that's more than 14 years old and was charged off, I called chase on more than one occasion I was told that they didn't know what I was speaking of, I was told it was a scam, I was told there was no attempts made by chase bank. I called the IRS who confirmed the detail from Chase, I advised the IRS that I wasn't responsible to pay taxes on bad debt that was charged off more than 14 years ago and that once a account is charged off to bad debt the company can use it as part of the tax write offs, hence Chase is trying to collect on something that was charged off and received tax credit. I don't owe this money or any monies to chase or to the IRS. Chase erroneously sent my file to the IRS and lied to say I received {$200000.00} which is false.
Product: Checking or savings account

I can not get in touch with anyone at Citizens Bank. 

I can only get hold of the people at my local XXXX NJ Branch. They keep saying they have contacted the corporate office, and that my 1099 int forms will come within 7 to 10 days. I have been hearing this since late XXXX, and heard it again this morning, XX/XX/XXXX. This is holding me up from filing my tax returns. 

The branch personnel say they can not get anyone on the phone over at Citizens Corporate. 

The number they gave me to call is XXXX. When called you will get put in an endless loop and be unable to speak with anyone. I would suggest you try this for yourself. 

Futhermore my user id and password have not changed. Sometimes I am able to login to my account and sometimes it gives me a response stating " Please check your username and password. If you still can't log in contact your Salesforce administrator '' No phone number of way of contacting the Salesforce administrator is given. 

This is random and makes absolutely no sense. I would like to be able to contact someone over at Citizens for status of my 1099 int tax forms and also for a resolution to their website issue. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX resides at XXXX XXXX XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer. I have reached out to these companies four times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. These companies have done nothing but ignored my letters and leave remarks on my credit report stating that these accounts have been verified. Here are the USPS Tracking # numbers for each letter sent : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX
Product: Payday loan

There is n't a category above that really reflects my problem. Received a call today from a XXXX XXXX at ERG ( XXXX ) He states that the has paperwork for me regarding a default loan with XXXX or XXXX XXXX. I advised him that I have NEVER spoken with either company, nor taken out ANY loan through either company. He tried to verify my identity by giving me an address I would have used, which was not my address. He hung up on me. He has been calling my family members and harrassing them also. How do I stop them from contact us? I have NEVER taken out a loan through either company and actually have no knowledge of either.
Product: Debt collection

In 2012 I helped my son obtain XXXX XXXX by using my credit card because it was required and he did not have one. Thereafter, he let the account get in arrears and so it was charged to my credit card. I notified my son of this and he took all of the equipment which belonged to XXXX XXXX to the XXXX XXXX in XXXX, Texas and paid the bill and XXXX XXXX took the charges off my credit card and I then closed the credit card. Then later my son decided to keep the services of XXXX without any help from me or use of my name or credit. Then once again he got into arrears with XXXX and moved away without paying the bill which had nothing to do with me. He was residing at XXXX XXXX XXXX XXXX in XXXX, Texas. Now, XXXX XXXX has hired a collection agency to collect his debt from me and when I would not pay, they put it on my credit report and showed that I lived at the XXXX XXXX address where I have never lived. This is not my debt and I have filed a dispute with XXXX only to have my dispute denied and the debt left on my credit report. This is very maddening because as I say, I have never used the services of XXXX nor have I ever lived at XXXX XXXX XXXX where the services were provided. Please do your best to rectify this outrageous matter. Thank you.
Product: Credit reporting or other personal consumer reports

I do not have a contract with XXXX XXXX or XXXX XXXX XXXX. They are defaming my name, causing grave stress to my family and personal credit. The account does not belong to me. Remove this account from all credit reporting agencies immediately.
Product: Credit card

XXXX credit cards that I paid off in full sent me a bill for interest after I paid off the balance. I called both companies and both of them just simply reversed the charge ( much to easily, in my opinion ). While that is all well and good, I ca n't help but wonder, how many people just pay that bill? It seems to me that this is somehow fraudulent or at the least a very sneaky way of getting money from unsuspecting consumers.
Product: Checking or savings account

{$900.00} dollars is credited on my account There was fraudulent activity on my account including a fraud mobile check deposit that I found out about via email ( XXXX ) XXXX please contact me
Product: Debt collection

I checked my credit report with XXXX  and noticed that there is a debt collector by the name of American Credit Systems on it listing a fraudulent account that I did not authorize. The company claiming that I owe them money for services is a fraud and take advantage of people claiming to help them with their tax debt by telling them that they owe more than what they do. I was told by the company that I owed far more money than what was owed in regards to my taxes. I called that Illinois department of revenue to confirm only to find that XXXX XXXX XXXX XXXX  was attempting to commit a crime against me for embezzling money for their own motive. I have filed a police report in regards to this matter. This is not my account and I never agreed on anything for them to help me. They have forged my information. This is illegal per the Fair Credit Reporting Act. I was not informed of such allegation and it must be removed alongside of my attorney moving forward to file charges against all parties involved.
Product: Mortgage

The company, Advantage Credit , Inc located at XXXXXXXX XXXX XXXX  # XXXX XXXX, Co XXXX placed an inquiry on my credit reports, XXXX, XXXX, and XXXX dated XX/XX/2021. The problem is I have reached out to this company via certified mail and have yet to hear anything about why they, Advantage Credit Inc, placed an inquiry on my credit reports. I am asking for what the law requires which is proof I gave Advantage Credit , Inc permission to check my credit to do any business with them.
Product: Credit card or prepaid card

I filed a complaint with CFPB about this dispute on XX/XX/2021. 
( Complaint ID : XXXX ) Citibank decided in my favor and issued a monetary refund of {$29.00} for Dispute Case ID : XXXX. 

On XX/XX/2021 I received a letter in the mail from Citi 's dispute department stating that the case had been re-opened and advised that if I no longer needed it to be investigated, I should withdraw the dispute. 

Of course, since I received the refund, I needed nothing investigated any further, so I did what they said and withdrew the dispute. 

Now their convoluted system has taken the {$29.00} refund back, with no way to dispute it again! 

I'd like to get this corrected, get my {$29.00} back and finally be done with this dispute.
Product: Mortgage

I believe in XXXX, I applied for a reverse mortgage on my home that I've lived in for nearly 45 years. My husband had passed and I wanted to make several repairs to the home. I became gravely ill and my daughter packed me up and relocated me to XXXX. While in XXXX, I spoke to representatives from NOVAD Consulting in XXXX about my illness and relocation and could not continue to live in the home. They stated I had to pay the property taxes and that was all the fees. My neighbors called to let me know that a sign was placed in the window, grass was high in the front and back, and a lock was on the front door. I had someone cut the grass immediately. I want to rent out the property but NOVAD sent an invoice stating the loan had been tabulating since I left the property in XXXX ( relocation ). I explained that the loan is no way near the property value for the homes in that neighborhood and couldn't afford the price which was 3 times the amount of the property value. They gave me an option to either purchase the home or use the deed in lieu ( DIL ) of foreclosure to HUD. A letter of intent was sent to NOVAD on XX/XX/XXXX and 25 days letter when asking if received, an email was returned no valid. What can I do now to rent out the property, save the family home, or have HUD payoff the loan and take title?
Product: Credit reporting 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 : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX, XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 Any other adverse item 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 reporting, credit repair services, or other personal consumer reports

I checked my Experian credit report and I saw evidence of possible fraud or identity theft on my account. There have been a few hard inquiries that I don't recognize ( one being from XXXX  ), but the biggest issue is a collection account. This account was apparently opened on XX/XX/2019 showing the creditor is from XXXX XXXX XXXX with the original creditor being XXXX XXXX. I do not know what this account is and I have also never had an XXXX account at any point. The account is for {$5900.00} and I should have no active credit inquires, hard or soft, this year. Upon researching this company, there are others saying this company is a scam debt collector. I don't want to call them and give them any personal information, as I didn't open this account to begin with. 

I have since filed a dispute claim with Experian, but have not heard anything back.