23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have REPEATEDLY requested my credit report from Equifax both online an over the phone and they do not respond appropriately and claim to not have the requests. They insist I FAX a copy of my drivers license to them! Absurd! No one has a fax machine anymore, and funny how I can access the other XXXX companies without issue. They have very obviously multiple errors on my account, and I have tried to dispute them online, by email and phone. They have never sent or displayed my report through them, the " security questions '' they ask to access online are WRONG-NOT MINE- so the " correct '' answer, none of the above, makes them deny me access! I have had no trouble whatsoever getting into my accounts with both XXXX and XXXX recently, and they did have XXXX error each, but that is all, and corrected it immediately and without hassle. Equifax has given me this run around, has obvious errors, as their FICO score is nearly XXXX points off the others and they ask me " security '' questions which are NOT MINE AT ALL and then ignore my complaints about such. Meanwhile, I am being denied the best rate for my new car purchase, which I deserve, thanks to their negligence.
Product: Credit reporting or other personal consumer reports

my name is XXXX XXXX XXXX a victim of id theft, i have reviewed my credit report and i have discovered some unauthorized fraudulent inquiries listed on my report.i have no clue who these creditors are.i never gave them permission to pull my credit.please remove the fraudulent inquiries comenity bank XXXX XX/XX/2022, XXXX  XXXX via dealer XX/XX/2022, XXXX XX/XX/2022 2022
Product: Checking or savings account

On XX/XX/XXXX, I found out Chase decided to close my account with no explanation. My credit cards were cancelled immediately with no notice. I called and went to a branch in person to no avail as no one was able to give me a reason why my account was closed. Now Im scrambling to get all my finances in order when Ive done nothing wrong. Ive never missed a payment, nor did I ever have high balances on any of my cards. Ive never had any issues with Chase and Ive enjoyed banking with Chase during the past few years.
Product: Credit card or prepaid card

Received a care credit card. Dr office accidentally charged interest on an interest free card. They called care credit to fix the issue. Care credit assured me they fixed the issue. However, they also noticed a security fee was charged in the amount of XXXX so they advised it will be fixed and gave me an amount In the XXXX amount. However, I can not get an accurate bill after 2 months of trying to fix the issue. Yet they want me to pay a bill with an incorrect amount. Need a corrected bill. Notations are in the system as well as the recording of the calls. I want a correct bill so I can pay my bill properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit report dated for XXXX XXXX for comenityBankXXXX  and I have not applied for anything and I have not authorized this. No contact information has been reported by this creditor.
Product: Checking or savings account

I open my account almost 5 years ago and they are holding on to my money they even sent me a new debit card but won't allow me to use it I just want my money
Product: Credit reporting or other personal consumer reports

This is about the SIX complaint for the listed credit bureaus failing to properly investigate and or correct or delete the factual inaccurate and incomplete data being listed on my consumer credit reports. The data across all 3 major credit bureau reports are mismatched, dofferent to include different dates of last activity, dofferent payment status on alledged charge off accounts. Alledged charge off account is listing as a collection account so which one is it? A charge off? Or collection account? Some list a term limit as a term limit is an agreed upon term to pay back a debt. I dispute this debt, it was never properly verified and validated. 

Data furnishing company is being allowed to list 3 different dates of last activity. The date of last activity being updated makes the alledged account appear to be new and reaging the account for the common purpose of further hurting a consumers credit score. 

Additionally the account is listing late payments of 120 days and being allowed to do so by the credit bureaus, however on 2 other reports it is incomplete and blank. 

I am now requesting {$1000.00} for the repeated and clear violations of the FCRA as well as the other violations ofbthe federal laws and standards for 1. Allowing factual inaccuracies to be reported and inconsistent across all 3 credit bureaus. 2. the credit bureaus for failing to properly investigate and correct and or delete the factual inaccuracies. How can it be accurate reporting different information on all 3 credit bureaus? 

This is outrages, irresponsible, and clear numerous violations to ensure the consumer rights
Product: Credit reporting or other personal consumer reports

I have mailed TransUnion multiple disputes during the past two months with my name, and address regarding the inaccuracy of my credit reporting profile. And yet TransUnion have failed to adjust, and correct my credit report. In addition, zero changes have been made from TransUnion on my credit report profile. Instead, TransUnion have been sending rounds of stalling letter to discourage my dispute process, and therefore refuses to take necessary actions to remove negatives items from my credit report.
Product: Credit card

I noticed 3 unauthorized inquiries on my credit report. 

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

XX/XX/year>, I look at my credit report. I sent a letter to Experian, XXXX XXXX and XXXX  on XX/XX/year> asking them to reinvestigate these accounts. Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/year> they sent me their investigation and said these accounts are complete and Accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I would acknowledge that neither reporting agency actually did a proper reinvestigation and check that the information report was factual and accurate.
Product: Checking or savings account

I filed a claim on XX/XX/23 with Wells Fargo. I was told I would be getting a provisional credit. I did not do any business with pretty little thing. I attempted to but the website was giving me an error message. But my bank was still authorizing for the payments to come out of my account. I spoke with different associates for the past 4 days from the XXXX and they were all rude and giving me the run around about receiving my money. I didnt authorize the purchase because I dont have a receipt to confirm purchases. Today the XXXX and they have denied my dispute saying that I can not open a new one. I have not received any products from pretty little thing. Not even a confirmation number.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 I applied for a loan with Justice Finance, they took my information and stated I would get a call back. XXXX, the manager ; called back stated that he was not going to loan to me because he knew my coworker and she was in bad standing with the company. XXXX then stated my coworkers name and that the co worker did not pay her existing loan so that why he would NOT he give me a loan. XXXX told me that I was guilty by association and chuckled. To my understanding this is a Act of Equal Credit Opportunity, I feel discriminated against. I was NOT Provided with  a notice of DENAIL.I requested a notice of Denial and they will not give me one.
Product: Debt collection

I am being charged for insurance that I have and have submitted documentation which they told m they received and are charging me late fees for not paying for insurance they purchased for me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my XXXX XXXX XXXX was stolen, the insurance company deemed it a total loss because the vehicle was never recovered. I continued to make my car payment to satisfy the terms of the loan to GM FINANCIAL. The XXXX XXXX XXXX ( customer service in Total Loss ) told me that if the account is late XXXX  days OR more that's when they report to the credit bureaus. They also informed me that the payment has to be made before the XXXX days time frame and before XXXX central standard time. I called GM FINANCIAL on XX/XX/XXXX and i spoke with the XXXX XXXX XXXX XXXX XXXX XXXX, the representative assured me if i made payment by the XXXX of XXXX I would be in good standing and it would not report to the credit bureau. On XX/XX/XXXX I called them back before I made my payment and the Customer service representative told me that my account showed XXXX  day past due and yet again assured me as long as I made my payment on the that day, it would not report as XXXX  days past due to the credit bureau. She in fact assured me of this, so i made my payment on that date ( XX/XX/XXXX ) rite after i got off the phone with her. I made my payment before the XXXX days. Weeks later I got a notification sent to my email that my credit score took a dramatic hit of XXXX points. I immediately contacted them at Gm financial and I told them I paid before the XXXX days and the representative assured me that it wouldn't affect my score and they even had record of the representative i talked to that day because she made a note of it in the system. I asked them for that documentation and they told me they couldn't give it to me. I have been calling and calling and everyone there is giving me the run around there and I just want them to remove it from my report because they gave me the wrong information and if i was given to correct information i wouldn't be in this situation i would have paid it the first day I called and spoke to them on the XXXX of XXXX. I feel like its unfair because I trusted them and they failed me as the consumer.
Product: Mortgage

On XX/XX/2021, through the online portal at Flagstarbank.com, I filled out a short question survey, informing the bank that I am able to continue making payments on the loan. Due to COVID-19, I was forced to enter forbearance due to being laid off work. The representative at that time, told me that I will be receiving a letter- that letter never came. Therefore, on XX/XX/2021 I called Flagstar Bank customer service again. The representative told me that for some reason, the letter is " stuck in the queue '' but that she will request a second letter to be sent out via USPS, since the first letter has already expired. The representative also informed me that the forbearance has been extended to XXXX, in order to buy time to receive, sign, and send back any documents requested. I was also informed that should I not receive a letter by XXXX XXXX XXXX, to call back. Today is XX/XX/2021 and no letter has been received. I called Flagstar Bank customer service and requested to speak to a supervisor, the representative said that underwriter has declined the request for a " partial '' due to the past-due amount exceeding FHA guidelines. That my file was sent back to underwriter for a possible loan modification, and should take anywhere from 4-6 weeks. I am owner-occupying the home for the record. Meanwhile, we wait once again for Flagstar Bank to reconsider my claim.
Product: Mortgage

Im facing sheriff sale, I filed modification with mortgage salene months ago only they put me off. So I get a letter in mail from this company to govt program to stop sale immediately help get modification fast. 
They took XXXX outta my account and there is no such company and the sale hasn't been cancelled : ( im desperate for help and don't know who to trust.
Product: Debt collection

When I filed my taxes in XXXX, I received letter from IRS stating my refund was being redirected to PHEAA. I had never heard of this company before. 

I called them and told them I wanted proof of the debt. I called several times over a 2-3 month period and while I was continually promised they would mail to me what this was pertaining to, I never received anything. 

I called the IL state attorney and they attempted to contact them but also no response. They told me to try called the Department of Education.

I called the Department of Education who said they are showing no record of me ever having had a student loan. 

I do n't know what this is pertaining to or the amount which might be owed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tradelines are still being reported on XXXX and Equifax with adverse actions : 180 days late x 10 x 20 = hundreds of new adverse marks re-inserted. 

Per the contract attached with XXXX XXXX, this adverse information was to be entirely deleted per Department of Education. 

My XXXXXXXX XXXX occurred on XX/XX/XXXX. I was not in default when the loans from XXXX XXXX were sent to XXXX for discharge. 

My credit has been defamed, and I demand that these tradelines be erased and am requesting compensatory damages. 

XXXX and Equifax shall be instructed to remove the adverse tradelines per attached agreement with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts name : XXXX XXXX XXXX XXXX  # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have 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 followinc items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than XXXX vears. 

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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a wire transfer in the amount of {$5000.00} USD from my XXXX bank account to my COINBASE USD wallet. At that time, there was a banner listed on the COINBASE website that stated there was a backlog of wire transfers and that it would take up to 4 business days for the funds to be deposited. I waited the period of time suggested with no change. I created a support ticket on XX/XX/XXXX and received a canned response on XX/XX/XXXX stating the funds had been verified and that I should be all set. There was no changes to my account. I emailed them back that same day making them aware that the issue was still present along with a screenshot of the COINBASE USD wallet, no further contact has been made. There are countless other customers who are experiencing the same issue with no recourse. I can understand a company exceeding its resources due to rapid growth, but what is most concerning is that aside from these support tickets, there is no way to sort this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit card or prepaid card

On XX/XX/2019, I applied to PENFED Credit Union, XXXX XXXX XXXX, XXXX, VA XXXX, ( XXXX ) XXXX, for a credit card. 

PENFED Credit Union, since my application dated XX/XX/2019, I have not received either the credit card or the reason for denial as required by The Fair Credit Reporting Act. 

The Act requires creditors to notify you in writing if an application for credit is denied. This notification must be mailed within 30 days of the decision. 

A notification must include the reasons the creditor decided to reject your application -- including insufficient credit history or a high balance on revolving credit accounts. 

They are in violation of the The Fair Credit Reporting Act and subject to a civil lawsuit for their violation as I have not received a notification as required under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit report with Equifax a lot of information is invalid. I am interested in disputing all incorrect information to fix my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX, Experian, and XXXX after I purchased a credit report with Experian. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I sent a letter to the 3 credit bureaus on XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last complaints and hoping that these accounts listed below lates will be removed. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$190000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recents really realize inquiries on my credit report that I did not authorize I have been a victim of identity theft with my ID and Social Security card was stolen I did send out letters. On XXXX, XX/XX/XXXX XXXX and XX/XX/XXXX asking for this inquiries to be removed from my credit report that I do not authorize. customer service at XXXX or XXXX would not help correct my file by deleting the unauthorized inquiries reporting to 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 XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX ALLY XXXX I XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I paid the loan off in full, early. They reported my account 30 days late and can't provide me with proof. Tried three times with the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Sc XXXX. Reported to Experian credit Agency, but they never investigated much, just made a phone call. Have all canceled checks to show proof on my part but no effort has been made on either party.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are reporting the following inquiries that I did not authorize! According to the FCRA Section 1681e - Reasonable procedures to ensure accuracy : This section requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of consumer credit information they collect, maintain, and disseminate. This includes procedures to verify the accuracy of information reported by creditors, and to correct or delete inaccurate information. 
Section 1681i - Reinvestigations : This section gives consumers the right to dispute inaccurate or incomplete information in their credit reports. Credit reporting agencies must investigate any dispute and, if necessary, modify or delete inaccurate information. The agency must also notify the creditor or information furnisher who provided the disputed information about the dispute. Please help me dispute the following inquiries : XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX  Inquiry Date : XX/XX/2022 XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXXXXXX XXXXXXXX XXXX Inquiry Date XXXX XX/XX/2022 XXXX ) XXXX  Inquiry Date : XX/XX/2022 XXXX ) XXXX  Inquiry Date : XX/XX/2022 XXXX ) XXXX Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX. Inquiry Date : XX/XX/2022 XXXX ) XXXX XXXX Inquiry Date : XX/XX/2022