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

XXXX is reporting an Inquiry on my XXXX  credit report that I don't recognize on XX/XX/2022. 

XXXX is reporting an inquiry on my XXXX credit report that I don't recognize on XX/XX/2022. 

Bank of America is reporting an Inquiry on my XXXX credit report that I don't recognize on XX/XX/2022.
Product: Credit card or prepaid card

Hi, I am writing in reference to the 2 reservations made with XXXX for a stay at the XXXX XXXX XXXX in XXXX. Due to an emergency and delayed travel we were unable to make our reservation on XX/XX/2022. However, after contacting XXXX we were told that our confirmations has been canceled and we had been charged for one night and taxes and the remainder of the money was refunded to XXXX. The XXXX confirmations were XXXX and XXXX. I received emails from XXXX stating the above facts which I sent to the credit card company ( Citibank ). Unfortunately, Citibank illegally sided with XXXX and gave them a charge back based on false information given by XXXX. I provided the information to XXXX as well and they fraudulent claim that they never received the money from Citibank which is not true since Citibank provided specific documents that the money was returned. I think both Citibank and XXXX need to be charged with fraudulent behavior since they lied about the resolution of the dispute and continuously lied to us about the resolution. We need to be refunded by these companies for lying and making us spend more than 6 months to resolve this issue. 

Thank you Sent from my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Per The XXXX XXXX XXXX XXXX XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] a consumer reporting agency shall block the reporting of any information in the file a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I have sent an FTC identity theft report NUMEROUS times and you are in VIOLATION of this law because I am a victim of identity theft!!! These accounts are a result of identity theft. Account name : Account name : XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX Account number : XXXX Please delete these items IMMEDIATELY! I have attached my identity theft report. These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection 9 ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts IMMEDIATELY. Lastly per the FCRA I am entitled to {$1000.00} per FCRA Violation. Please send me a check for {$2000.00} for willful violation of [ 15 U.S.C. 1681c-2 } and [ 15 U.S. Code 1681b ]. I trust that Transunion do not want to this matter to go into a court of law as I am litigious consumer. Please remove these items from my credit report. Attached is a copy of my identity theft report that list these XXXX items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Douglas Meyer reported an account that was opened in XXXX on my credit. The account is reaged and shouldnt be on my credit. I disputed this with XXXX   3 times and they keep insisting that the information is accurate. They investigated but no feedback was given back to me. I filed a complaint with CFBP and Douglas Chancellor Meyer said he had until XXXX of XXXX to remove it. This has not been done.
Product: Debt collection

I am being threatened by this company saying I will be arrested, seize my assets, and contact employer. This company is a debt collector saying I owe money that I do not owe. This company is also using dates that from 4 years ago which make no sense. I was not even able to acquire any loans 4 years ago. I am getting repeated emails that are threatening and harassing. I believe this is a scam.
Product: Consumer Loan

I am being reported as 30 days past due by Ally Financial for XXXX incorrect months to all three of the major credit bureaus. I was told by Ally Financial that I fell behind 30 days past due for the month of XXXX but it is currently being reported for the month of XXXX and XXXX. I have been contacting them since XXXX in regards to the mistake and they have failed to fix this as it still shows the incorrect months. I disputed the information with them again on XXXX XXXX and it is now XXXX XXXX, 2015 and they just keep telling me they are working on it. According to the ( Fair Credit Reporting Act ) a company has 30 days to respond to a dispute and they have still failed to do so. I was never 30 days past due as my account was refinanced with them and all months were rolled over to the new contract. They are taking their time to correct the error and has not did anything to fix the issue and only makes excuses to buy more time.
Product: Debt collection

My name is XXXX XXXX I have a debt collection with ic systems Ive previously contacted public storage to try to solve this problem but they have no recollection of this they cant find it in there system but I can still se sit on my credit report I refuse to pay for something I had nothing to do with and this is why Im reporting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On. XX/XX/2023. I received a email from U S. DEPT OF EDUCATION CONFIRMATION MY APPROVAL OF THE SWEET VS. CARDONA CASE. 
MY BURROWER DEFENSE APPLICATION WAS APPROVED WHICH MEANS TOTAL LOAN DISCHARGE {$14000.00} DEBT AMOUNT NEEDS TO BE REMOVED FOR MY CREDIT FILES WITH TRANSUNION XXXX AND XXXX. IMMEDIATELY THANK YOU. Please review attached verification letters for ( 2 ) student loans PLEASE REMOVE ALL TOTAL DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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
Product: Credit reporting or other personal consumer reports

I'm in still in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX  XXXX In accordance with The Fair Credit Reporting Act, Public law 91XXXX506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Student loan

Regarding Ed Financial acct # XXXX I over paid loan # 1 by {$1300.00} dollars and have been asking for 5 months to apply the payment to one of the outstanding loans. Ive called several time with no action. I asked to speak to a manager and was told they are in a meeting and I would get a call in 24-48 hours. 4 days later I got a call from a person named XXXX from account resolution group. She was not a manager. She could not tell me how long this would take and when I asked is it faster to refund me she said it could take another 6 months. I got off the phone with no resolution and my money is still sitting in limbo. By the way XXXX was not a manager and spoke over me.
Product: Debt collection

After having XXXX in XXXX XXXX, I received numerous medical bills. I paid all the bills I knew about. Sometime between XXXX and XXXX XXXX I received numerous phone calls each day from the same number. The caller would never leave a voicemail for me to determine the purpose. When I answered the call, the caller stated they were from an institution I had not heard of and that I owed money. They would not discuss the debt with me until I confirmed personal information. I requested their company name and phone number so I could confirm who they were and that it was not a scam prior to providing my personal information. They were not cooperative. I did not hear any more about this debt until my credit was pulled for a new home purchase in XXXX XXXX. This was a stagnant account for a year and a half. I was not contacted in any way during this time. Now, after a year and a half, the debt was sent to collections and last week I was finally told this was a legitimate debt and not a clerical error. I want to pay this bill but have not had cooperation with getting the claim off of my credit history once paid due to the communication being poor about the debt initially.
Product: Credit card

these accounts were opened without my knowledge and i filed an identity fraud report with the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occasions trying to contact and speak with multiple representatives on correcting my credit report. Their is negative history being reported on my credit report, their is false information being reported, their is multiple accounts being reported with no corrective updates. I have told them of multiple accounts that are not valid and should be removed off of my credit report and including joint accounts that are in my spouses credit report as well. I have stated to them on numerous occasions that multiple accounts especially negative ones are not allowed to be reported after 5 years. The law states in the state of Florida that no negative/collection/charged off/closed account shall be reported after 5 years to the date. I have multiple accounts over 7+ years being reported. They do not give me a straight answer and many times have hung up on me on purpose not to answer the questions. These are the accounts as follows that need to be removed. 

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

In accordance with the fair credit act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 u.s.c 1681 section 602 A states I have the right to privacy 15 u.s.c 1681 section 602 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate and I paid them off this is hindering me from get a loan for my business even after I paid them off I need them off so I can grow my business
Product: Vehicle loan or lease

The payment was made in the appropriate time, got my pay to delete letter, but its still on my credit
Product: Credit reporting or other personal consumer reports

There are queries in my credit report that have not been authorized, nor do they have my consent.
Product: Credit reporting or other personal consumer reports

I received notification from XXXX XXXX XXXX that my Social Security number was leaked in a data breach. So I went and froze my credit with all XXXX bureaus. My Social Security and personal information were used to apply for a XXXX XXXX  card where the inquiry was blocked by Trans Union. They proceeded to still issue a credit card with a XXXX $ limit. Upon calling them they treated as if I applied for this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 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

I am writing to formally request the blocking and deletion of an unauthorized account on my credit report that was created as a result of a data breach. Under the protections provided by 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this fraudulent account removed from my credit file. 
Please delete the following account from my credit report : XXXX - XXXX - XX/XX/year> - {$00.00}
Product: Prepaid card

Every time I try to get money out it blocks me saying it's suspicious activity so I have to call them and clear it and I told them before to take that off that I don't want that on there it's frustrating to me. So it happened to me again so I called them up and I'm speaking to the automated system and they said press one if these transactions were yours pressed one then I waited for somebody to come on in case if my transaction wouldn't go through and while I'm speaking to her she blocks me and I can't get it get any money out again and I told her that I was already verified and she said well there must have been a reason why you came to me I told her yes it was because I waited on the phone in case my transaction would not go through again. She then tells me I can't get verified because I didn't have my phone with me and I have to go into a Bank of America and show them two forms of ID and this is on a Sunday morning. Then the supervisor gets on after I waited 40 minutes for him to get on while I'm sitting in front of a Bank of America and all they have to say is sorry for the inconvenience. He was rude and unprofessional. They said for customer security I told them I didn't want it to take it off I don't want to have to go through a hassle every time I need to get my money they did nothing for me just made matters worse and the thing is that they know that I have to go through them because I get my unemployment through them so they think they can act anyway. I have something very important that I need to do today and I need that money and I'm not going to be able to get it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act US Department of education XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my reading instructions
Product: Debt collection

The XXXX XXXX XXXX XXXX XXXX reported I had no debt. they provifef ref # XXXX. Additionally, a VA Medical care copayment of {$500.00} was made XXXX @ XXXX on my XXXX XXXX czrd lastr XXXX XXXX. I have an e-mail from XXXX  XXXX XXXX, acting CEO of XXXX XXXX stating there is a XXXX balance.
Product: Credit reporting or other personal consumer reports

Please see attachments. 

This creditor goes by so many names : XXXX, which is also XXXX and XXXX XXXX XXXX XXXXXXXX XXXX  Creditor is confusing consumers. 
Account ending XXXX XXXX Account has been reaged several times over the years- evidence attached. 
Last payment XX/XX/XXXX bank statement attached. 
No payment all of XXXX ; reaging Theres no agreements or even communication between consumer and creditor to reage account. 

Account is inaccurate and incomplete. Different amounts, dates, balances, and activity than other CRAs Also a charge off receiving an IRS 1099C write off a certified letter was sent to XXXXRetail about this previously. 
Also, in collections, so the balance should say XXXX with no activity And account was also paid by the insurance premium in the finance charge This is corporate FRAUD.
Product: Debt collection

Negatively reporting to credit bureaus that has no authorization to report. I've sent in opt out disclosure and civil liability, not authorized to report on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased with XXXX XX/XX/XXXX. I was laid off from work during the pandemic XX/XX/XXXX. I contacted XXXX to initiate my unemployment benefit and the company XXXX began making payments to XXXX on my behalf. I also contacted XXXX multiple times to ask about options for ending my contract and applying for a hardship. XXXX has used multiple tactics and ploys to avoid returning my calls, emails, and correspondences and has since stated multiple times they would offer assistance, but not once actually done so even after contacting the XXXX XXXX XXXX and speaking with their legal team. They claim they report good and bad payments to the credit bureaus, yet the only reporting on my credit began in XXXX of XXXX and reflects no payments made to XXXX before they charged off my account after I made multiple attempts to work out a plan for my account. I tried multiple times to cancel my contract wit XXXX in previous years, but instead they would invite me to an owner 's preview and have me sit there for hours telling me my only option was to upgrade or " trade '' in my previous ownership to end my other contract. Even now after closing account, XXXX refuses to admit their mistake and continues to allow my finances to suffer and will not remove their negative reports on my credit. Their attorneys office XXXX XXXX continues to ignore any correspondence as well. I have continued to contact the XXXX, sent multiple letters to Experian to correct the issue, and contacted the Attorney Generals office.

Contact by the business ; Correction to a credit report So the response that XXXX sent to me ( as they claim above via email ) reads : That the Justice Dept of NC has suggested validity in their contract, which is a lie, I will attach the same letter I received from the NC Dept of Justice which states not such thing abnd XXXX also states they will not remove the credit reporting although it is blatantly incorrect and I have legally already requested a " letter of attestation '' stating that the information they have provided to Experian is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I have encountered inaccurate and misleading information on my credit reports, which has resulted in significant harm to my financial well-being. I believe that these credit reporting agencies have violated the provisions outlined in the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 ( a ) ( 2 ). 

The specific violation involves the failure of credit reporting agencies to provide accurate and complete information about my credit history, resulting in the misrepresentation of my creditworthiness to potential lenders, employers, and other entities that rely on credit reports for decision-making purposes. I have diligently monitored my credit reports and found multiple instances where outdated, incorrect, or unverified information has been reported, thereby undermining my ability to access credit and obtain favorable terms. 

According to 15 USC 1681 ( a ) ( 2 ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. Furthermore, they must conduct a reasonable investigation within 30 days of receiving a dispute regarding the accuracy of any information on a consumer 's credit report. However, the credit reporting agencies in question have failed to fulfill these obligations, thereby violating my rights as a consumer. 

I have made multiple attempts to dispute and rectify these inaccuracies directly with the credit reporting agencies. However, their responses have been unsatisfactory, often providing generic and unhelpful explanations without conducting thorough investigations or taking appropriate corrective actions. These actions not only harm my financial reputation but also undermine the integrity and reliability of the credit reporting system. 

Considering these circumstances, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take appropriate actions against the credit reporting agencies involved. I believe that enforcement actions, penalties, and the implementation of stringent compliance measures are necessary to ensure that credit reporting agencies comply with the requirements of 15 USC 1681 ( a ) ( 2 ) and safeguard the rights of consumers.
Product: Credit card

Discover offered me a 0 % interest rate on all purchases until XX/XX/XXXX. However, I was charged interest on my XX/XX/XXXX statement. I called Discover and an agent agreed that I should not be charged interest and she refunded the interest charge. However, I was again charged interest on my XX/XX/XXXX statement. I called Discover again, but this time the agent refused to refund the interest charge. I believe that Discover is committing Unfair and Deceptive practices by charging interest that is in contradiction to the offer they provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the XXXX  you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.