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

This all goes back to my first and ongoing complaint. My score was lowered a whopping XXXX points for merely applying for one credit card a credit card promoted within the Experian site as one to help boost me credit. My score was over XXXX and dropped to XXXX as soon as I was rejected. Not over any bills or payments. Since then I've never once received a reply from them that addressed the exact issue and then you just close the complaint. Since I was punished for applying for a card I continued to pay everything is full and on time AND THAT INCLUDES BUYING A PAYING FOR A CARE DURING THE PANDEMIC yet my score stays far lower than before. It's clear Experian is now punishing me for contacting you. 
Also there in no longer any real way of contacting them their phones do not work at any of their number listed and their website offers nothing.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports from Equifax, TransUnion, and Experian and identified multiple inaccuracies, including unauthorized inquiries, outdated account information, and accounts that I have closed but have not been properly updated. 

1. Unauthorized Inquiries The following companies have placed inquiries on my credit report without my authorization. I did not apply for credit with these companies, and I am requesting their immediate removal in accordance with the Fair Credit Reporting Act ( FCRA ) : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX, XXXX. 
XXXX XXXX XXXX 2. Outdated/Inaccurate Account Information I have done business with the following companies, but they have failed to update my account with accurate information. I request that my records be corrected to reflect my current standing, including correct balances, payment history, and account status : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. Closed Accounts Not Properly Updated I have previously closed accounts with the following companies, yet my credit report still reflects them as open or active. I request that my records be updated to reflect their closed status : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX  I have attempted to resolve these issues directly with the credit bureaus and the companies involved, but I have not received a satisfactory resolution. Please investigate this matter and take appropriate action to correct my credit report. 

Thank you for your time and assistance. I appreciate your prompt attention to this matter.
Product: Checking or savings account

Chase closed my account without acknowledging me. They never took care of old issues. Still I can not get through. Chase does not have my address to send check. My unemploysas being deposited and I want it to go through. Chase refuses to respond to 10 calls yesterday.
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Consumer Adjustment and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information that was placed on my Equifax credit file by XXXX XXXX in XX/XX/XXXX via Certified letter. I received a response from Equifax stating that the information on my file was verified. XXXX XXXX is reporting two different accounts with different accounts number and multiple names to Equifax. I have attempted approximately six years to have this information corrected. I dont own this account anymore. The home have been sold and the current owners are living in the home XXXX XXXXe purchased this account from XXXX XXXXe in XXXX but stating that they are the original owners. Ive attached as much documents as possible along with a spreadsheet that Ive created.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX EQUIFAX XXXX : I am officially challenging you to review your data on file for me! I am requesting that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report from now on!
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I contacted XXXX XXXX two months in a row, to see where I stand with paying of my loan. Last month, I was told I have a balance of about {$1300.00}, with a payoff of roughly {$1100.00}. This month, when I called, I was told that I had a balance of {$1500.00}, with a payoff of {$1300.00}. This baffled me, so I requested a payment history showing the breakdown of principle, interest, and late fees. I was told they could send me a payment history, but it would not have a breakdown in that manner because this was not a simple interest loan, like an auto loan. I was confused, because this is the first time I was informed of this. They said they use the Rule of 78, which I had no knowledge of until today. I have been over paying this loan every month, and did not realize, nor was I informed by XXXX XXXX that this was hurting me, by charging more interest. When I applied an accepted the loan, I was told there is no penalty if I wanted to pay the loan off early. That was incorrect, based on the Rule of 78 calculating principle they use. I was mortified. Until today, I had never heard of this rule. So, by paying this loan off early, they are charging me MORE interest than if I followed their payment schedule. Had I been informed of this when I got the loan, I would have never accepted it, or any others I got from this form. I thought I was well ahead to paying the loan off early, to find out on today, XX/XX/XXXX, that I have been hurting myself.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, my CFPB case XXXX got a response from AMEX on XX/XX/XXXX. Why everything else was corrected/addressed but this missing XXXX Membership Rewards Points from my Kabbage XXXX  line of credit account didn't get resolved. I had provided my feedback on XX/XX/XXXX although that CFPB case XXXX was closed. 

I didn't get any response from American Express for the original case which I opened on XX/XX/XXXX XXXX so I opened a new case on XX/XX/XXXX to address this issue. The NEW case number with American Express is XXXX. 

XXXX Membership Rewards Points should be awarded to my account after I meet the qualifying activities on the Business Gold Card and draw at least once from the Kabbage XXXX  line of credit within the first 3 months of Business Gold Card Membership. Please see the promotional offer published ( public offer to everyone ) last XXXX and I did open both Business Gold Card and Kabbage XXXX  line of credit account by the end of XX/XX/XXXX and have fulfilled all the requirements to be eligible to receive this XXXX Membership Rewards Points. Please see the promotional offer details from the picture displayed using the URL below or the image attached. Thank you. 

I need to emphasize that this XXXX Membership Rewards Points Kabbage XXXX  line of credit account is a PUBLIC offer and paired with XXXX XXXX XXXX Membership Rewards ) points for Business Gold. 

Details are as the following : On XX/XX/XXXX, I opened a new American Express Gold Card as well as the Kabbage account ( It's an affiliated bank product called Amex Business Line of Credit - Small Business Line Of Credit ). According to their advertisement, the promotional offer stated that as long as the customer opened these two accounts together as a pair and fulfilled the requirements for both account, I will receive XXXX ) XXXX XXXX XXXX Membership Rewards ) points for Business Gold ( I successfully spent XXXX in 3 months and got XXXX XXXX XXXX ) XXXX ) XXXX XXXX XXXX Membership Rewards ) points for Kabbage ( I fulfilled all the requirements and did borrow the money from the account at least once. But XXXX XXXX XXXX were not awarded as the promise ). 

I opened a claim with the ticket # XXXX with AMEX Business Gold customer service department XXXX XX/XX/XXXX and followed up with them numerous. It's been no progress at all since then and no updates as well. They just stated the back office needs to look into it. 

After several attempts to try resolving this case without any success, it leaves me no options but to file a complaint here. Please direct this case to AMEX customer service team for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello here is a list of inquiries on my credit that were not approved by me ; XXXX XXXX XX/XX/2022 ( XXXX XXXX -AmeriCredit Financial Services XX/XX/2022 XXXX XXXX ) XXXX XX/XX/2022 ( XXXX )
Product: Debt collection

I previously filed a complaint with this company due to never receiving my order and my account being restricted due to unpaid balance. Company credited my account and removed restrictions as stated in previous complaint and confirmed that I owed no balance and this was on XX/XX/2023. 

On XX/XX/2023 I received a COLLECTION notice and document from debt collector which is also attached with this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

There incorrect information on my credit report that I have repeatedly tried to correct, and the reporting agencies and auto loan companies continue to give me the run around. Spoke to a representative from XXXX XXXX named XXXX XXXX on XX/XX/2021 at XXXX and that was the last straw.
Product: Debt collection

My information was compromised in the Data breach of XXXX and since then I have been trying to monitor my credit and found fraudulent opened accounts in my name please help me to get these accounts taken care of.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I withdrew my funds XXXX gbp to my bank acount via gemini automated bank connection and transfer service. 

As of XX/XX/2021 the funds have not arrived in my bank account. I have sent several support emails asking for the swift transaction reciept and in replacement i have been told in 1 email to see the faq. In another email to see the faq again and in another email i recieved a etherium network address. None of which have answered my request so my recieving bank can try and trace the missing fund and also i have requested gemini to locate the funds also. Gemini now seem to be ignoring my emails. 

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

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my XXXX. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 1

5 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragrap
h ( 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 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Product: Credit reporting, credit repair services, or other personal consumer reports

once again XXXX XXXX  and lvnv are in collusion with each other to collect unlawfull debts while breaking the DODD FRANK ACT.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card from XXXX XXXX XXXX XXXX with a balance of {$20000.00}, a personal credit card from XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00}, a XXXX XXXX account with a balance of {$2600.00}, an account with XXXX XXXX XXXX bal. {$1300.00}, a XXXX XXXX XXXX account bal. {$1300.00}, 6 accounts witXXXX XXXX XXXX {$1900.00}, XXXX XXXX {$2500.00}, XXXX XXXX {$12000.00XXXX XXXX XXXXl. {$6000.00}, XXXX XXXX {$4800.00}XXXX XXXX XXXX XXXX$2500.00}. 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: Credit reporting, credit repair services, or other personal consumer reports

I have a collection report on my credit for XXXX XXXX   in the amount of {$290.00} I do not remember this doctor but would have used my insurance to have labs done. Please send a copy of the labs I am being charged for so this can be cleared off my account
Product: Credit reporting or other personal consumer reports

5 months later and experian reporting repo when in fact was voluntary, see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I had a VA mortgage through Freedom Mortgage from XX/XX/XXXX until XX/XX/XXXX. We were in the process of selling our home in XX/XX/XXXX. We closed on our house on XX/XX/XXXX. The title company was in possession of the payoff check and was responsible for disseminating the check to the mortgage company. Due to having to pay {$10000.00} to sell our house, we were unable to make the mortgage payment for the month of XX/XX/XXXX. Since we closed on XX/XX/XXXX, the payoff was sent to the company within the 30 days. The mortgage company decided that they would place a 30 day late payment mark on our credit report, regardless. The method of disseminating the payment to the company is not in our control and due to the company 's business hours, they claim they did not receive the payment until XX/XX/XXXX. My husband called and talked with a representative that was very rude to him and insisted that we should have a thorough knowledge of the mortgage business. I attempted to resolve with the company through a phone call and the XXXX, but the company insists that they have recorded calls from a week before the closing date, but none of the calls after. I even talked with the company on XX/XX/XXXX and informed them that we had closed, but they state they do not have that recording either. We had a perfect payment history with the company and are offended in their treatment of veterans when a situation is out of our control. We did everything possible to get the payment to them before the end of the month and are not responsible for their business hours or the actions of the title company. We would like them to amend our credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Initially, Experian removed several addresses from my credit report that do not belong to me. However, just a week later, these incorrect addresses were reinserted into my report. Despite my repeated attempts to rectify this situation, Experian has failed to maintain the accuracy of my personal information. 
Due to Experian 's erroneous inclusion of these addresses, my personal and sensitive information, including my Social Security number and date of birth, is being sent to unknown addresses. This not only compromises my privacy but also exposes me to a significant risk of identity theft, as unauthorized individuals can gain access to my personal information. 

This situation is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and represents a severe breach of my privacy. I request the CFPB to take immediate action to address this issue and ensure that Experian permanently removes the incorrect addresses from my credit report. Additionally, I seek assurance that all correspondence containing my personal information will only be sent to my correct and current address :
Product: Credit card or prepaid card

Comenity took over account from XXXX. This is the NFL Card, which is supposed to have a 6 months 0 % promotional rate on ticket purchases. They have NEVER applied the purchases to the promotional balance. This also causes my payments to be incorrectly applied every month to what appears to be current purchases, causing interest on the promotional balances that expire. I call every month, I have sent them a spreadsheet of how the account balance and payments should have been handled. I waste an hour every month ( I'm on the phone with them 36 minutes this month and on-hold ) and I'm sure I'm not the only person this has happened to. 
The other 'perk ' to this card is Rewards. They have not had the rewards balances available the entire time they have had this account ( this is on ALL NFL cards ). 

My only purchases on this card are my season tickets. They are being billed monthly, the same amount, from the Washington XXXX XXXX, XXXX MD. There is NOTHING else I could be buying from the Washington XXXX XXXX.