23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I took out small {$1000.00} loan 2 years ago. I have paid the payment back faithfully for 2 years. So Ive paid over {$3000.00} back on a {$1000.00} loan. I was completely shocked to learn that I still owed Jacksonville Title more than what I originally borrowed 2 years later. I wrote them letters & emails explaining that we are having a hard time financially. My car has been in the shop 3xs in 2 months with the mechanic fees being over {$3000.00}. We also had to start helping my sister in law pay for care for my husbands mom with XXXX. My husbands work truck was wrecked & we are having to pay out of pocket to have tons of body work done -close to $ XXXX-so he can work. My daughter is graduating high school early and have had a lot of college application fees that we did not expect this year. Many things in our life has caused us to be struggling financially a little. The truck that was repossessed was our only working vehicle at the moment, it had a lot of my husbands work supplies in the bed & back seat. It was the only transportation I had to take and pick up my kids from school & after school activities, as my car is in the shop being repaired. the title company took it anyway even though I pleaded to please give me some type of deal on getting loan paid. I really can not believe companies are allowed to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uploading 2 different copies of my credit report to prove that XXXX credit reporting company is reporting incorrect information on my credit report. XXXX XXXX XXXX XXXX is a fraudulent account I have disputed this numerous times. It has been removed off my XXXX credit report which I am uploading proof. XXXX sends me the before and after dispute results and all they did was add I am disputing this as a fraudulent account. After research and contacting legal advice I was told by my attorney any fraudulent account is to be removed from my credit report. Another discrepancy is my XXXX account. On XXXX it is showing as account that is negative and will go to a positive in the year 2022 well on XXXX   it is showing as account paid as agreed and account that is satisfactory. XXXX  I feel is not doing any investigation on my disputes. If they did this matter would have been corrected and resolved already. My XXXX report looks horrible because it has all incorrect information. It is affecting me in obtaining substantial credit. However on my XXXX report there is nothing negative as it should be reporting. I am constantly having problems with XXXX  in getting them to correct the completely wrong information on my report. They dont care as its not there name being ruined its my name.
Product: Credit reporting

court financial record- judgment was {$950.00} and paid. Person awarded judgment works for county and abused his position by filing incorrect amount with State having full knowledge Judgment was paid in full. XXXX XXXX, Please remove from my credit report as it is an error not only in amount but that 's judgment is satisfied.
Product: Credit card or prepaid card

Hi, Today I applied for a XXXXXXXX XXXX XXXX that advertised I was pre-approved and would be able to use a temporary card the same day with 25 % off my purchase. When I applied I could not use the temporary card that was issued. I called XXXX who told me to call Comenity Capital Bank. I called the bank today and they did not have any idea of what I was referring to, no one could help me as no one at the company had access to the temporary credit card that they themselves advertised. If you XXXX this issue youll see that this false advertising has been occurring for some years now. The bank has told me that I have to wait for my physical card. If I knew I had to wait until my physical card came in then I would have never applied. This is false advertising by definition. They knowingly falsely advertise the promise of using a temporary card instantly which is what hooks people in to apply.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent Transunion a dispute letter, via USPS certified mail, disputing fraudulent accounts/information, that was a result of identity theft. Despite sending the dispute letter, providing proof, and requesting that all fraudulent accounts/inaccurate information be removed from my credit report, in accordance with the Fair Credit Reporting Act 's guidelines, Transunion has refused to remove the aforementioned accounts/information, and has instead verified accounts/information, that is the result of identity theft, as accurate. The fraudulent accounts, which were not opened by me, are XXXXXXXX XXXX ( XXXX accounts ), XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX There were also fraudulent charges made to existing accounts, which caused, fraudulent delinquencies. These accounts include XXXX XXXXXXXX XXXX ( XXXX accounts ), XXXX XXXXXXXX XXXX  ( XXXX accounts ) and the XXXX XXXX XXXX  It has been 50 days and Transunion refuses to resolve this issue. FCRA states that any account that can not be verified and that is fraudulent must be deleted. Transunions willful neglect of the wrong information on my credit report is not only damaging my ability to acquire credit, but is a violation of FCRA. These accounts need to be deleted or I am fully prepared these take matters to the court, retain counsel and sue for the states maximum for each violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion keep reporting false, deceptive misleading, incorrect information on my credit report. They allow XXXX XXXX to report incorrect information on my credit report. This is unfair deceptive practices. I have kids and I can't get a home because of these errors on my report I have provided proof. I have provided that I have paid this account they refuse to remove this incorrect account that is reporting falsely on my report. They have taken more than 30 days to investigate and they still have not validated anything about this account. You can not be 60 days late then 30 days late then positive, then negative. then 120 days late one day then charge the account off to another thirdparty without my permission. I paid them and they are still reporting me late
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Mtg Inquiry fromXX/XX/2021 XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, Transunion, XXXX   XX/XX/XXXX Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately.The XXXX account just sent me a letter stating they would remove these accounts its been 30 days and they are still here. The medical said it wasn't there debt so I want it gone too. I attached both letter as proof. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. {$180.00} 2.Cell Phone Bill XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00} {$340.00} XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} {$480.00} Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan or loans, a credit card or credit cards, and any other accounts from XXXX with a balance of {$21000.00}, XXXX XXXX with a balance of {$9000.00}, XXXX XXXX  with a balance of {$810.00}, XXXX XXXX with a balance of {$1500.00}, XXXX XXXX XXXX  with a balance of {$250.00}, XXXX  XXXX with a balance of {$240.00}, XXXX XXXX XXXX with a balance of {$7500.00}. Hard inquiries XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I am writing regarding the attempt to collect a debt that I do not owe. Despite my repeated requests for verification of this debt, I have not received any satisfactory response or proof of its validity from none of the parties involved XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Midland Credit Management. Previously, I had a credit card with XXXX through XXXX XXXX. I purchased two identical pant suits in different colors. Due to a delay in delivery, I received one suit initially. Upon inspection, I found it unsatisfactory and returned it. When the second suit arrived, I immediately returned it to the sender. Throughout the return process, I was in regular contact with XXXX XXXX  regarding my payments. As both items were returned, I did not owe a balance. I request that you cease all collection attempts and remove any incorrect information from my credit report related to this matter.
Product: Debt collection

I get phone calls weekly from a XXXX asking for payment of a debt for a doctor which has been inflated to include a {$92.00} fee for the collection. I answer sometimes and call back sometimes because I am afraid if I do n't they will take further action. He challenges me and tries to get me to say things that are not true. I have told him several times that I will pay the medical bill but not the extra fee even though I felt the original bill was inflated and my problem still exists. I have been through a very rough time in my life. I have been trying to fairly resolve issues that went unresolved during this time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. 
XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Bank account or service

On XXXX/XXXX/2015 my account was negative {$170.00} and some change. I deposit XXXX at XXXX and transferred XXXX from my saving to my checking because there were XXXX payments pending XXXX for XXXX in amount of XXXX and XXXX XXXX. I had an ending balance of XXXX at XXXX. I pumped gas at XXXX in amount of XXXX. I had a balance of XXXX at XXXX pm. On Monday XXXX XXXX I still had a balance of {$.00}. I have my teller receip and my email receipt that prof that I did have enough money on my account to cover my dish network payment. You have returned my payment and charged me a fee of XXXX dollars because you decided on Monday XXXX to cover my credit card putchace of XXXX for XXXX this payment had already been paid in Wednesday XXXX XXXX. I am so tired of being robbed by you. I am a single mom working my behind off to support my kids. It hurts me that you still from me when ever you want. I called your customer service number requesting an explanation and again I was disrespected By XXXX worrell supervisor of XXXX employee number ( XXXX ). He was so rude to me andkeept lying to me trying to make me believe that I did n't have enough money on my account. He offended me and hung up on me. How can you have people like him as supervisors it is so unethical. I feel so disrespected and humiliated by how I was treated. I need you to please refund me the NSF in amount of XXXX you have charged my account. I will never reach out to the customer service number because I do n't appreciate getting abuse. The bank ca n't keep doin what ever they want with my account its my money and I am certain that their was enough money to cover my XXXX payment. I want an apology for being mistreated and for all the stress I am going through because of WELLS FARGO.
Product: Credit card

I received an email XX/XX/year> from Chase bank that a credit card account was opened in my name. I was then sent emails that stated the address and contact information was changed. 
When attempting to contact Chase bank on XX/XX/year> about the issue, I was unable to reach a person. They kept asking for the account number, which I do not have. I was unable to reach anyone and inform them of the problem.
Product: Credit card

I got behind on my Capitol one card when I lost my job last year. They tell me they will put me on a payment plan so I can get caught up, I make the payments as arranged but none of it ever goes to my balance. I've asked for the account to be closed and they say that isn't an option. I've been paying around XXXX on a XXXX balance monthly for over a year and the balance is still XXXX. I called to make a payment today and they say I'm XXXX past due ( even though I'm supposed to be on a payment plan. ) I told them I've made payment arrangements for XXXX, XXXX and XXXX and they say I broke the agreement, which is false! I paid XXXX in XXXX, XXXX in XXXX, and they say I owe XXXX for XXXX. Will you please help me close this account? I've paid more in interest and late fees than I actually owe.
Product: Debt collection

On XXXX XXXX, XXXX we signed a contract with XXXX which stated that if we did not like the service we could terminate the contract. We were not able to receive any calls from our house. After seven calls and a visit to XXXX in which we explained our difficulties and were told that they were working on the problem and that it would be resolved. At this time we told XXXX that we terminating the contract. They accepted our termination and apologized. On XXXX XXXX, XXXX we received from XXXX XXXX a letter that we were in debt to them for {$1100.00}. On XXXX XXXX, XXXX we sent by certified mail a letter stating we do not owe the debt and stop the harassment. On XXXX XXXX XXXX we received a letter from Diversified Adjustment Service INC. that our account has been placed with then for collection of {$1100.00}. On XXXX XXXX, XXXX we sent a letter by certified Mail asking them to stop in their pursuit of Client Ref # XXXX Account # XXXX. On XXXX XXXX, XXXX we received a letter from Diversified Adjustment Service , Inc.a payment in full of {$1100.00}. I believe that they have broken a Consumer Protection law and request that you send them a cease and desist letter.
Product: Credit reporting or other personal consumer reports

I have made several attempts to resolve issues on my credit report, however, Equifax continues to ignore my disputes and is not responding to my investigation requests. I initially filed a dispute with Equifax on XX/XX/2023 via fax to challenge errors on my credit report. Specifically, an account with XXXX XXXX XXXX, a XXXXr XXXX XXXX, and personal information. Equifax responded to this dispute on XX/XX/2023 verifying the accuracy of the XXXX XXXX XXXX account and XXXX XXXX XXXX 

I sent follow up disputes to Equifax via fax on XX/XX/2023, XX/XX/2023, and XX/XX/2023, and finally, via USPS mail on XX/XX/2023. To date, I have not received any responses from Equifax regarding my disputes. It is my understanding bureaus are legally required to respond to disputes within 30 days of receiving them, otherwise, they must correct or remove the disputed information, as required by the FCRA.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, XXXX and TransUnion Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

In XXXX XXXX I received a general credit card XXXX not store credit card ) from Nordstrom 's I did neither apply for nor want.

Upon contacting Nordstrom 's and talking to " XXXX '' on XXXX/XXXX/XXXX, I was told that since I " did not opt out by XXXX XXXX, XXXX '' from getting this card in a letter that they claim was mailed to me, this entitled Nordstrom 's to " upgrade me to a XXXX card ''. 

Not only was I traveling on business from XXXX through mid XXXX and had no chance to review my mail until some time after my return, I do not recall getting such a letter. Regardless of whether I did or not, a company should not be entitled to issue a credit cards without my knowing or approval. As the result of this object able practice, an inquiry showed up on my credit report on XXXX/XXXX/XXXX from TD Bank USA/ Nordstrom .

I have built an excellent credit history/ score ( above 800 before this incident ) over decades and carefully monitor my credit. Having this inquiry on my record lowered my credit score by 19 points, not to mention that, had the credit card been lost or stolen, I would never have know because I did not expect it. 

I immediately requested this unauthorized credit card to be closed - along with my Nordstrom 's store card which I would have retained otherwise. This may have further reduced my credit score.

I strongly object to Nordstrom 's deceptive practice without regard for the consumer 's credit record or risk of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a line item on my credit report with Experian. It was for a XXXX XXXX account and the date of first delinquency and date account would be removed. I have documentation from XXXX XXXX in response to a XXXX XXXX XXXX complaint that states the following. Date of First Delinquency is XX/XX/XXXX The Fair Credit Reporting Act allow accounts to stay on credit reports for 7 years from the Date of First Delienquency. Experian reports this account being removed on XX/XX/XXXX, one year past the allowable date. Please see all attachements from XXXX supporting my cause. Experian is the only reporting agency yet to correct this error, since the information provided does not meet their criteria. I have tried multiple times to fix this with Experian without success even though I have provided them with the attachments in this complaint directly from XXXX supporting my case. It has been a frustrating situation that needs to be resolved. 
Please note this complaint contains an attachment from XXXX with respect to CPFB complaint and resolution. The information is right there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 unknown inquiries that are appearing on my credit report that I didn't authorize. I'm a victim of identity theft. I did not know of any of these inquiries. I've included my identity theft affidavit. I've also sent a copy to my police department. I've listed them below. 
XXXX XXXX XXXX XXXX XX/XX/2018 bank of amer  XX/XX/2018 XXXX XX/XX/2018 XXXX   XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1618 Section 602 states I have the right to privacy. 

XXXX  Account # XXXX, has violated my rights 15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

Collection notice for false child support claims : In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 SECTION 602 STATES THAT I HAVE THE RIGHT TO PRIVACY!! 15 USC 1681 Section 604 a section 2 it also states that a consumer reporting agency can not furnish an account without my express written consent ; under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.