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

I have repeatedly attempted to cancel my membership for days, and the cancellation process is virtually impossible. Their website states all cancellations must be made by phone. No emails : XXXX XXXX XXXX CANCEL MEMBERSHIP If you would like to cancel your membership, for your security, please call our toll-free number at XXXX. 

Call this number and you are prompted to enter all your very personal information i.e. full social security number and date of birth, then placed on an infinite hold. I have mobile phone screen shots to confirm the number of hold hours. Regardless of which department you request, you are placed on a indefinite period of hold, and forced to listen to their subliminal messages and song playbacks.
Product: Debt collection

I received a call at XXXX XXXX XXXX on XX/XX/XXXX that says it's located in Texas ( XXXX ) XXXX very rude demanding and harassing very unclear when they tried to identify themselves when not tell me why they were trying to reach me even though I had not confirmed my identity yet they were demanding debt collection with the threat to sue and or legal action. The debt a tried to collect was not my debt and has never been my debt. I never authorized this caller to call nor did I authorize the release of any personal details to be released to the company. I just got this phone number I have and they called and asked for me by government name and even gave my birthday to me and I've never had any debt with any credit cards or loans. I have nothing from this company on my credit report I use XXXX XXXX so I know when I have anything on it.
Product: Credit card or prepaid card

The Chase XXXX card offers the opportunity to earn a free nigh certificate ( valued at ~ {$300.00} ) for customers who spend $ XXXX on the card during a calendar year. There is no tracker to track spending, and the certificate can take up to 4 weeks to be awarded. I thought that I had met the minimum spend for the certificate in early XXXX. When the certificate had not shown up in my account by XX/XX/XXXX, I messaged the company to confirm that I met the minimum spend, because if I was just short I would have made additional purchases to meet the requirement. I was told on XX/XX/XXXX specifically that I had, though the number they quoted for spend didn't seem quite right, so I sent a f/u. They then told me after XXXX that I actually had not met the minimum spend, and that I was {$14.00} short. I followed up and they have been unwilling to stand by the false information that I was given by the first agent ( message attached ).
Product: Credit card or prepaid card

In XXXX I opened a secured card with capital one. The main reason I opened the card was to improve my credit score and capital one advertised that with the time they would graduate my card from a secured to an unsecured card. I have made every payment on time with one exception due to a family emergency which I called and explained back in XXXX. Ive called several times concerning graduating to a unsecured card and each time I was told something different first I was told in XXXX that they would look into graduating my card in XXXX I was instructed to call back at that time The next time I was told that the program for graduating happen suspended The final time I was told that I would be graduating upon a review of my credit record. This has never happened I have seen two friends and family members where they have graduated their card to an unsecured in one instance it took 10 years. If I close the account it will be damaging to my credit score I have tried to apply for another capital one card and was told that because I have two cards with capital one I did not qualify for third so I cant apply for unsecured and they will not make my card unsecure or will they increase my credit limit. It has been three years now and I am still stuck with the same credit limit with no information or opportunity to increase my credit limit or have an unsecured card. When I tried to call and inquire about this Ive been misinformed Capital one falsely advertised the opportunity to improve my credit and unsecure my card
Product: Vehicle loan or lease

the XXXX XXXX XXXX was purchased XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXXThey first arranged the with XXXX XXXX.When I got the 1st late notice from XXXX  I phoned them and told the person I talked to about how I would need a different due date.This was because I only income is from Social Security XXXX.They extended o reasonable grace period so I would avoid any late fees in the the future.This the exact same procedure I took with hunting when I received my 1st late notice from them.At the time I first called they their customer assistant in formed me huntington did not offer grace periods and I would have to make the payment an pay the late fees or I woud never see my title.I have a half a dozen times when Called huntington a discussed the same Social Security issue with them.Same answer huntnigton has no grace time for passed due payments.I have made monthly payment on the principle ever month since XXXX.never missed a payment.I received on XX/XX/XXXX a loan transaction history. With a start date of payment of XX/XX/XXXX. 
The conversation I had with a rep from huntington, I asked why they never tried to work with me that rep asked why didn't apply for a distress wavier.Well think that ' because it was never offered. 
I have the copies of the Loan history an checks.I don't have ready access to a fax.Wiil happily mail. e-mail or tex and let me know. 
cell no ( XXXX ) XXXX XXXX would get fastest reply Thank you XXXX XXXX.
Product: Credit card or prepaid card

Received this card in the mail. We did not and have never applied for this card. The card is a Reliacard from US Bank. I called the customer service number on the card but they will not answer the phone without giving them additional information.
Product: Debt collection

This is another complaint regarding XXXX XXXX. I have sent many different complaints to get answer but at this time still have not received the information. I recieved one call from XXXX at XXXX XXXX & I have called her back numerous of time without receiving a call back, however she was able to sent in this letter. With this letter Ms. XXXX has attached other letters that were supposedly previously sent to me that I never received from other representative at XXXX XXXX, however the information reported in the letters are different. For starters the letter from XX/XX/XXXX states my account my charged off on XX/XX/XXXX however it is being reported to all three credit bureaus that my account was charged off XX/XX/XXXX. As we all know its against the law to report inaccurate information to the credit bureaus. 

The other difference between the two letters is Ms. XXXX reports in her letter that my account was placed with XXXX XXXX on XXXX XXXX. This can not be true because as I stated in my previous complaint that I made contact XXXX XXXX in XX/XX/XXXX which is two month prior to the date Ms XXXX is reporting they placed my account with this group. Also in the previous letter from XX/XX/XXXX it states my account was placed with this group on XX/XX/XXXX. Again, I am receiving different information from representatives from the same company. 

I have numerous of paperwork from each credit bureaus showing the different date of my account charge off compare to the date provided in the letter by XXXX so there is no need to attempt to update the dates at this time. 

I am included in this complaint all three credit bureaus, I will be filing with the XXXX, I will be sending this information as to the CEO to show the inaccuracies being present by his company which is against the FCRA. 

I expect a response within the next 15 days to included the account being deleted from all three credit bureaus due to the inaccurate information being reported. 

I no longer want Ms. XXXX on my account. 

I have many contact with Northland group now known as Radius Global Solution and they are no longer handling my account due to the inaccurate information that was provided to them by XXXX XXXX due to my charge off date and what is being reported to the credit bureaus. 

If I do not received the above communication and the deletion of this account from my credit report I will continue with legal action due to the violation of the FCRA
Product: Debt collection

I have sent dispute letters to Experian, XXXX and XXXX. Experian and XXXX are not updating my information correctly and they are providing inaccurate information on my credit report. XXXX took over 30days to send me anything in the mail and they are still not updating accurate information to my credit report, these items should have been deleted since they took over the allowed timeframe to process the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian. XXXX. XXXX. 
All of them are responsible for ignoring federal directives regarding student loan payments during a pandemic. 

If the GOVERNMENT says no one can collect during this time, then that means, the reporting companies shouldnt be reporting negative information. 

This began last year and has been extended through 2021. Why are these credit bureaus so eager to defy the very system that allows them to exist? 

Stop reporting their reports. Its not even any payments due right now. I checked the regs and I dont have to ask for the forbearance. It is given to anyone in these times. 

They are literally defying the federal government and have ignored or rebuffed my attempts to remove this negative information.
Product: Student loan

I AM TRYING TO CLEAN UP MY CREDIT AND I SEND A GOODWILL LETTER TO THE SCHOOL ASKING IF THEY COULD REMOVE THE 3 LATE PAYMENTS I HAD BECAUSE I HAD HIT A ROUGH PATCH IN MY LIFE AND FOR 3 MONTHS I COULD NOT PAY. XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX I WAS UNABLE TO MAKE A PAYMENT. WELL WITH THOSE 3 LATE PAYMENTS IT SHOWS I HAVE 27 LATE PAYMENTS BECAUSE I HAVE A FEW LOANS SO ITS MAKING IT HARD FOR ME TO GET CREDIT OR TRY TO GET MY FINANCES IN ORDER, I AM BACK IN SCHOOL NOW AND I JUST NEED SOME HELP PLEASE.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$870.00} XXXX XXXX XXXXXXXX Balance : {$16000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX there was a second hard inquiry from XXXX XXXX XXXX XXXX and they were advised of the error and not authorized inquiry and they have refused to remove the hard inquiry from my credit report. On XX/XX/2024 experian representative XXXX refused to provide assistance and refused to provide a badge number to apply to this complaint. 

I have sent in all necessary documentation to experian to have this removed and they have refused to follow FCRA laws and have not helped and neither has XXXX XXXX XXXX. In accordance with the fcra and federal laws I have completed my obligations to remedy the situation yet the bank and credit agency have not fulfilled their responsibilities. Please have this removed from my report today.
Product: Debt collection

I received a call on XX/XX/2019, on my cell phone from COMENITY BANK, looking for MY SISTER, who lives in a different state and has a different last name. 

The caller, " Miss XXXX '' insisted that my name was on my sister 's records as a contact ( false ), and that it was urgent that I give her number to my sister, and that my sister call her before XXXX. 
" Miss XXXX '' called from XXXX. She said her callback number was XXXX, xXXXX. 

I have XXXX their number, and read MANY MANY MANY MANY MANY MANY complaints about this bank, the same number, same callback number, same tactics, and also people saying the bank was calling to reach their sister. 

Here 's one response : " You can thank the internet. They list all sorts of outdated information and people that you know ( even though you never heard of them or met them ). These crooks use that information to scam people. This is a debt collection extortion scam. 
One of the tricks they use is to call your family, friends, neighbors and/or places of employment ( past or present or both ) to create panic and embarrassment so that their intended victim calls them and they can scare that person into paying their extortion money. They often call people that have never even been associated with you because they get erroneous information off of the internet. '' THIS HARRASSMENT HAS GOT TO STOP!!!! 
I spoke with my sister who has a very clean record of payments, has few to no credit cards, and I warned her to get a free credit report to see if this horrible company put something on her report. I will block this company 's number on my phone, and she will do the same. 

PLEASE TAKE ACTION SINCE I AM NOT ALONE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

A background check was done under my name on XX/XX/2018 by First Avantage National Criminal File Plus and found a record on my file. 
( DATABASE SEARCH XDB- FLORIDA XXXX XXXX  REGISTRY ) Case Reference # XXXX.
Product: Checking or savings account

Dear Staff, I am complaining that Chase doesn't meet their statement that Chase would deposit the upgrade bonus within 10 business days into the account when all the requirements have been met. 

I upgraded my Chase College Checking to the Chase Sapphire Checking with the {$1000.00} upgrade bonus on XX/XX/XXXX in a local Chase branch, where the tracking number is XXXX, the banker is XXXX XXXX XXXX, and the upgrade code is XXXX XXXX XXXX XXXX. 

To receive the upgrade bonus, it requires that " within 45 calendar days, transfer a total of {$75000.00} or more in qualifying new money or securities to a combination of eligible personal checking, savings and/or investment accounts, ( excludes any J.P. Morgan retirement accounts and CDs ) and maintain that balance for 90 days. * I have met the new money requirement, from my external accounts and it is confirmed by XXXX, a Chase staff on XX/XX/XXXX, via the Chase Secure Message, saying that : " We show you are enrolled in the {$1000.00} bonus offer for the checking account. Under the rules for the promotion, you need to make a new money deposit of {$75.00} by XX/XX/XXXX, which I'm showing that you have met. The {$75000.00} must remain in the account for 90 days until XX/XX/XXXX. '' After I have met all the upgrade bonus requirements, I consulted Chase about it, and got a reply from XXXX, a Chase staff on XX/XX/XXXX saying that : " XXXX, we have receive the response from our Research Team. They confirmed that you did not maintain the {$75000.00} balance for 90 days that ended on XX/XX/XXXX. 
Your total balance was {$33000.00} ( investment - {$17000.00} and Deposit - {$16000.00} ) as of XX/XX/XXXX. '' However, the balance history from the Chase website about my Chase You Invest account clearly shows that I had a balance of {$67000.00} but not the {$17000.00} as of XX/XX/XXXX. The statement of my You Invest account from XX/XX/XXXX to XX/XX/XXXX also clearly shows that I have a {$67000.00} balance on XX/XX/XXXX. 

From the statements of my Chase Checking, Saving and You Invest accounts from XX/XX/XXXX to XX/XX/XXXX, it is also clear that I have met the requirement that " the {$75000.00} must remain in the account for 90 days until XX/XX/XXXX ''. 

I attached the screenshot of my You Invest account balance history, and all the statements of my Chase Checking, Saving, and You Invest account from XXXX, XXXX to XXXX, XXXX as evidences. 

Could you please help me with the missing upgrade {$1000.00} bonus issue? 

Thanks very much for your help! 

Best, XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

My ex-husband and I filed for chapter  XXXX  bankruptcy in  XXXX   2013 .  XXXX   XXXX  credit cards were apart of the bankruptcy. However,  XXXX   XXXX  is still reported as a negative account and an open account on  XXXX  of the  XXXX  credit  reports.-    XXXX    and  XXXX  Additionally  ; my  report shows payments as being late even though the accounts were included in the bankruptcy. I filed dispute with all of the credit agencies regarding the fact I do not have an open  XXXX   XXXX  card and about the negative  XXXX   XXXX  card still showing up on my report with late payments being reported. The only success I had was the removal of the open  XXXX   XXXX  account with  XXXX  agency which was Experian. However, Experian still reports  XXXX   XXXX  as a negative account citing they verified the account which means I can no longer dispute it. The other  XXXX  agencies,   XXXX   and  XXXX , still report an open  XXXX   XXXX  account. I have called  XXXX   XXXX  and they say I do not have any accounts with them! I am at my wits end!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2021
Product: Credit reporting

There are XXXX accounts on my credit report that are not correct ... XXXX Bank master card ... never had XXXX ... .XXXX ... charged for an item not received ... XXXX..acct. paid off over six years ago and equipment turned in ... do not owe any balance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$3200.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; ; XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} ; XXXX XXXXXXXX Balance Owed : {$4500.00} ; XXXX XXXX XXXX  Balance Owed : {$510.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX Balance Owed : {$820.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account number XXXX, DPT EDXXXX account number XXXX and DPT ED/XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency Can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 

XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Debt collection

I, XXXX XXXX XXXX, of XXXX, in XXXX XXXX, Georgia, MAKE OATH AND SAY THAT : I am a victim of identity theft fraud and have been since 2019. This has had a profound impact on my life. I have had numerous accounts added to my name for debts that I did not create. The suspect used various names and addresses that are not tied to my name, and this information needs to be removed because I am a victim of identity theft fraud. Please do not open any accounts without contacting me first at ( XXXX ) XXXX. The suspect has used fraudulent addresses for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX. None of these fraudulent names or addresses belong to me. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
I have filed police reports stating this address is fraudulent. The person was able to fraudulently obtain fraudulent accounts from XXXX XXXX, CAINE WEINER XXXX XXXX XXXX XXXX. I never authorize anyone to use my information fraudulently to obtain these accounts. I have been a victim of fraud since 2019 and someone has opened numerous accounts that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not access my online account with XXXXEquifax. Equifax is unable to assist me with updating my access to this account. I need access so I can freeze/unfreeze my account as needed. 

I strongly believe Equifax is intentionally preventing access to the free XXXXEquifax online account to force me to sign up for their paid consumer protection services. Extremely unethical practice. 

As a side, both XXXX and XXXX provide reasonable online access to free credit reports and freeze protection.