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

The bank Axos Bank has done a hard pull on my credit dramatically reducing my credit score for such a small inquiry. They have done so without my authorization, permission, or knowledge they even existed. I have complained through their email portal, to their customer service email ( which I never got a response back ), and on the phone to at least 6 different agents. I have spent over 3 hours on the phone with different members of the company, each of which has told me something different about how they would send it to the " right department '' and that I would receive a call in a few days. I have been calling them for over a month and have never received a call back once despite having been told 3 separate times by 3 individuals ensuring me " that they figured it out. '' This bank is clearly fraudulent and their XXXX reviews with a 1 star rating overall demonstrate that. I will be complaining on XXXX and filing a complaint with the BBB if this is not resolved soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave Experian no written or verbal permission to do business with me. That means share my info with third parties, do credit changes and credit reports in their company without my written consent, and most of all I did not give written consent for them to have my personal information! 
Experian is not a government Corporation they are a private company. Experian should not have my information!. Experian will try to manipulate that they have my written consent But I never physically appeared in person to sign to have them share my info especially with different companies this is hindering my life I want Experian to delete all my information from there system because they are committing fraud Here 's a list of laws they broke 525.02 FALSIFICATION. ( a ) No person shall knowingly make a false statement, or knowingly swear or affirm the truth of a false statement previously made Consumer Financial Protection Act ( Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act ) ( 12 U.S.C. 5481 et seq. ) Fair Credit Reporting Act ( 15 U.S.C. 1681et seq. ), except with respect to Sections 615 ( e ) and 628 of that Act 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. 


Experian XXXX XXXX XXXXXXXX XXXX Texas XXXX XXXX
Product: Credit card or prepaid card

My rewards account, consisting of over XXXX points has been locked by American Express with no communication since XX/XX/XXXX. American Express Membership Rewards Customer Service XXXX XXXX stated on XX/XX/XXXX that this lock is indefinite with no resolution time frame. He submitted a ticket to get resolution, but I was told it could take an additional 4 weeks ( by one of their supervisors ) to respond to the ticket.
Product: Debt collection

I never received any information about this debt, until it popped up on my credit report, bringing me down XXXX points. Apparently, this fraudulent company does this frequently, according to many reviews, I have read. I attempted to contact them to verify where this debt initially came from, and I got no response. However, it looks like they are trying to fraudulently steal {$2100.00} from me.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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

Today, XX/XX/2018, I applied for a medical loan with XXXX. I was told my identity could not be verified but I provided all of my information. The representative stated they tried to confirm my identity with XXXX XXXX, Equifax and XXXX but because of fraud alerts and security freezes, they could not. I contacted each credit agency and they have not removed the alerts and freezes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charged-off XXXX XXXX XXXX credit card on my XXXX, XXXX and Equifax reports that is not being removed from my credit reports. The account shows a {$290.00} balance and that it has been charged off. 

My date of birth is XXXX. 
The account was opened on XXXX/XXXX/XXXX. 
I was XXXX years old when this credit card account was opened. 

Since I was n't of legal age to consent to contract I should not be liable for this account and should not have it reported on my credit reports.
Product: Credit reporting or other personal consumer reports

Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Name : XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I had a costly auto repair. The repair shop I took my vehicle to listed XXXX as an accepted form of payment. I applied online in XX/XX/2019 because I thought I had a fair credit score. I was approved for an amount that exceeded the cost of the repair, the amount was {$1500.00}. I have since made twenty three payments totaling {$2300.00}. The payment amount to payoff the remaining debt is {$1300.00}. The interest rate is 151 %. I currently make payments biweekly of {$100.00}.
Product: Debt collection

I have sent a letter of debt validation to this company to validate the accused debt. This company has failed to validate this debt as requested within 30 days of receipt request. I have submitted various dispute with the credit bureaus and this company has sent a response back as the debt being verified. However, this company failed to validate my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint against Bloomingdales dsnb regarding payment false representations in their reporting to credit bureaus.

In statements provided to CFPB, Bloomingdales used an old address from XXXX for XXXX -XXXX  billing statement. Even though Bloomingdales was aware and had my mailing address. I recently received mail from Bloomingdales regarding this debt in XXXX at my mailing address. 
After filing my complaint, Bloomingdales intentionally misrepresented and fraudulently updated the payment status on my credit report on XX/XX/XXXX to reflect bad debt, placed for collection & SKIP. 
Thereby falsely misrepresenting that I am missing. Bloomingdales has my address and sent mail to me addressed in XX/XX/XXXX and received XX/XX/XXXX. 
All this in an attempt to suppress my complaint and statements regarding Bloomingdales falsehood and several misrepresentations in my original complaint
Product: Credit card or prepaid card

Prior to receiving my account activity for XXXX in the mail. The option to view recent transaction online was unavailable due to technical difficulties with the companies website known as www.eppicard.com. On XX/XX/19 I received my account activity in the mail and became aware of the fraudulent transactions. Contacted the XXXX reported my card lost/stolen. New card was expedited to me in the mail 2 calendar business days. 5 business days later I received my questionnaire of fraud form. Completed the form to the best of my knowledge. Documented the transactions I was disputing on the form from XX/XX/19 through XX/XX/19 totaling to an amount of XXXX dollars. Haven't received my XXXX account activities customer service had to give me the information of the amount and merchant names for XXXX. I Mailed the form out as soon as possible. Few days later I called the XXXX to check the status of my claim and I was informed that my claim was denied. Asked to speak with a supervisor that can possibly help me understand why it was denied. Supervisor informed me over the phone that it was denied due to me reporting my card lost/stolen on XX/XX/19. I stated the last time I used my card was five days after I reported it. Nothing in my statements or phone calls was on XX/XX/19. I wrote on the paper it was XX/XX/19 and they have evidence of me calling and reporting my card on XX/XX/19. Supervisor stated that he emailed the fraud service department to look at the claim again. On XX/XX/19 I received a letter from the fraud service department that they found a conflict in the information I provided so based on that they are unable to confirm that fraud occurred. On www.eppicard.com it states if I see an transaction I need to dispute contact customer service immediately and refer to XXXX XXXX  issuer disclosure. Which I followed and the disclosure states my debit card is insured up to XXXX. I contacted the merchants and they couldn't reimburse me I was told to contact my bank and follow there procedures.
Product: Student loan

I have called numerous times complaining about high monthly payments at least 5 times since last XXXX as I am still currently in school. They said there was nothing they could do. On months when I make a payment late, they call over 20 times a day often 5 times in a row during the work day or very early morning. I have told them to stop calling and then they call right back.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

Company Name : XXXX XXXX XXXX - Account # XXXX - Balance : {$19000.00}
Product: Credit reporting or other personal consumer reports

By law 15 U.S. Code 1681a late payments shouldn't be on my consumer report. Why is XXXX, transunion, XXXX  reporting late payments on my credit report? 

15 USC 1681a 2 ( A ) ( i ) - the term " consumer report '' does not include report containing information solely as a transactions or experiences between the consumer and the person making the report.

the law doesn't say anything about late payments should be reported on a consumer report. I would like to have all my late payments reverse and change as " paid as agreed '' or " OK '' immediately.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXP 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

hi, my name is XXXX XXXX and wanted to know if I have graduate degrees and partially paid out of pocket for and decide to go back to school would I qualify for student loans? 
I have passed the XXXX  excess amount.
Product: Credit reporting or other personal consumer reports

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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. 



XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> I disagree with account listed in attachment There are alot of inaccuracies thats are appearing on my consumer report affecting my ability to and i would like this immediately re-investigated the inaccuracy are highly injurious to my credit score in accordance with the fair credit reporting act public law 91-506 title VI section 611 Subsection A-D please provide the names addresses of each individual with who verified above including dates payment history and balance accuracy please send me a copy of my updated credit report after you're reinvestigation
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no clue how they got there. I do regular checks, but this time, discrepancies appeared out of nowhere. I even refreshed my browser, thinking it might just be a glitch, but they didnt go away. Im asking that the documents Ive submitted be reviewed carefully so I dont have to deal with this kind of issue ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

World acceptance corporation is in violation of my Privacy I didn't sign nor consent to them reporting XXXX XXXX. I'm Demanding them to send me Documents, files, and or Statements where I've signed stating I gave them permission to report my Personal Information. I sent them a Cease and Desist With my Demands See Attachments. 15 U.S. Code 1692c - Communication in connection with debt collection they are Directly Violating this section without regard of my Non public information being involved ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Product: Credit reporting, credit repair services, or other personal consumer reports

please read my letter attached below. I recently pulled my chex systems report after a denial, and I see some information on here that I do not recgonize. Thank you for your assistance in this matter.
Product: Debt collection

XX/XX/2023 Talked with debt collector inregards to collecting a debt using unfair practices. 
Trying to collect with wrong account information and no validity of the debt. The collection is not within guidelines for scoring algorithm and is a collection account. No history is available and would like it removed from the account. I assume it as Identity fraud.
Product: Credit reporting or other personal consumer reports

I was a victim of identity fraud. An account was made in my name some years back, I was unaware of this until I received marketing call directing me to a bank account saying I owe them money. $ XXXX I will not pay a debt back I do not owe. I also have a closed account on my credit from them that is harming my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  pulled a copy of my credit report without my permission on or around XX/XX/XXXX, XXXX so i reported them to my state attorney general 's office. the north carolina department of justice. they failed to reply to the north carolina department of justice. i think that is kind of sad and bad on their part. they are not supposed to contact me anymore and have a cease and desist on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX, which XXXX XXXX XXXX took over. I paid XXXX XXXX XXXX XXXX by certified check on XXXX, which they stated in their payoff letter that I would no longer be held responsible for the remaining balance. This reports to all three credit agencies as a balance owed of XXXX.
Product: Credit card or prepaid card

On  XXXX     2017  My   XXXX   sent a certified check via overnight mail to Citibank-in the amount of {$9800.00} to address : Citicards, Citibank /  XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , KY, XXXX . The check number is :  XXXX  again in the amount of {$9800.00}.  <P/> I have called ove r 5+times to ask where this payment is-thus far, " no payment has been found '' -this is a lie, as my certified  tracking shows mail was delivered.  <P/> Where is my payment?  <P/>  XXXX   XXXX
Product: Credit reporting

Experian credit bureau denies receipt of a request for deletion of a collection account from XXXX XXXX XXXX. XXXX XXXX XXXX informed me they sent the deletion request on XXXX/XXXX/16, Today, XXXX/XXXX/16, XXXX XXXX informed me they sent a request to all XXXX credit bureaus a total of 3 times. XXXX XXXX is a 3rd party vender for the city of XXXX XXXX, who issued me citations because a tenant failed to water the lawn. I paid the citations in early XXXX, 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX closed my existing credit card tied to my bank account and re-issued a new credit card transferring the existing balance of the old card into the new one. XXXX XXXX did not alert me of this change, nor did they link the new credit card to my bank account. Due to the fact that the new card was not linked to my bank account, I did not see any open balances when I did my routine weekly online banking check. 

It wasn't until the following month ( XX/XX/XXXX ), when I received a statement by mail saying that I had a delinquent, {$300.00}, payment, that I was made aware of this situation. I then called XXXX XXXX and immediately paid off the balance. I let them know of the situation, I paid off the balance and demanded that they link the account to my online banking so I could set up automatic payments as I had done in the past. I also asked if they could please write a note about this so it wouldn't appear on my credit score since it was their fault, and they said they would write a note on my account to try and prevent this.

However, my credit score has now been lower for several months due to this late payment on an account that was created to replace an old account without XXXX XXXX having alerted me, or informed me of the money that was due or the new account. 

Please help me fix my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a collection on my credit which is inaccurate and is a Direct Violation of the Fair Credit Reporting Act! 

( XXXX  - XXXX ) Has Violated Several Laws of the FCRA and that is a violation of my rights!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 
XXXX. XXXX XXXXXXXX - Account # XXXX XXXXXXXX XXXX - Account # XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

received repeated phone calls and voice messages from multiple numbers claiming I took out a payday loan for {$400.00} in 2016. I never took out a payday loan in 2016
Product: Debt collection

On XX/XX/2021 I checked my credit report and noticed Caine & Weiner reported a balance in collection of {$320.00}. On XX/XX/2021 I sent a certified letter which was signed on XX/XX/2021 with tracking # XXXX XXXX XXXX XXXX XXXX. On XX/XX/2021 I received a letter with no verification just amount due and case #. I sent a 2nd certified letter which was signed on XX/XX/2021 with tracking # XXXX. Have not received a resolution or an answer back.