23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please see attached document. 

XXXX Print complaint Per the previous complaint filed on XX/XX/2023 Company responded on XX/XX/2023 Company 's Response : " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : NON REPORTING DISPUTES Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. " Upon checking my credit file, I am still seeing XXXX XXXX Currently Reporting on the Equifax Credit file and reporting derogatory information. Please note, the letter attached to this complaint file contains instructions for Equifax regarding this issue. Please adhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

SageStream , LLC ( who ever they are ) was used by XXXX XXXX on a car purchase. With all the major CRA I have high scores and good credit. These Sagestream people report a much lower score which denied my deal.
When I contact SageStream all you get is a recording and nobody ever calls you back.
In order to get a copy of the perverted information they say they have on you, they want you to send in all types of copies of identification. How do I know who these people are? Every Law enforcement agency in the country says DO NOT GIVE ANY INFORMATION to people or companies you do not know.
All the other CRA 's have a online or phone system to see your information if you were denied credit. Not these phonies. Why do you allow companies like this to exist? They should all follow the same rules.
Product: Checking or savings account

Hello, without prior notice, the Chase bank closed my account on XX/XX/2020, I have called the bank on numerous occasions and they tell me that they do not have a specific answer for me, it is disrespectful that they do not inform them that it is what is happening, they only say that my account was closed and I can never open an account with them, everything is fine in my account, balance, I do not use checks, this bank is the worst
Product: Debt collection

I have a judgement against me that was opened while I was in a different state because my daughter was in ICU for several weeks ; Thereafter, was admitted in a inpatient program for a week. When I returned back to Arizona, the paperwork was sitting at my door. Which lead me to contact the collector ( XXXX  ) to settle on all accounts and was told I can not because the debt was sent to there lawyer. I settled what was opened and thereafter contacted the lawyer to settle the account, i was told I had to pay the account in full which was {$1400.00}. I said i can pay half as a settlement and agree to delete from credit report. there response was no, we need the entire amount. A little after that, I was goin over my paystub and I was being garnished 10 % of my pay, with no notice. Afte reaching out to the courts, I was told by a clerk, the judgement is non-existent. Please help either settle or delete due to false and different amounts requested.. See attachments for receipts and court documents left at my door.
Product: Debt collection

Midland credit Management-original creditor XXXX XXXX  for an amount of XXXX. This debt isnt mine nor do I have any knowledge of this debt with original creditor through XXXX. I have disputed this account explaining it doesnt belong to me and needed it to be removed from my credit. It still remains on my credit report by this collector.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized credit inquiry on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit reporting agencies are required to ensure that consumer reports are furnished only for permissible purposes, and only with the explicit consent of the consumer in certain cases. Upon reviewing my credit report, I noticed the following unauthorized inquiry : Creditor/Company Name : [ XXXX, XXXX, Experian ] I did not authorize this inquiry, nor did I provide written consent for [ XXXX XXXX XXXX XXXX XXXX ] to access my credit information. Therefore, this inquiry constitutes a violation of my rights under the FCRA. I kindly request the following actions : 1. Immediate removal of the unauthorized inquiry from my credit report. 2. Verification documentation : If the inquiry is deemed valid, please provide proof that I authorized the inquiry, including any written consent obtained. Please consider this a formal dispute under the FCRA. Thank you for your prompt attention to this matter. I look forward to your response.
Product: Bank account or service

This is my secpnd complaint on my account at J.P. Morgan Chase - first complaint # XXXX Chase still has not reconciled my account accurately on XX/XX/2016 a deduction of {$600.00} was taken out of my account because they claimed that on XX/XX/2016 {$600.00} was credited and then on XX/XX/2016 additional {$600.00} was credited this was the reason they claimed they took {$600.00}. I am so so confused my balance still is not correct and their represem\natives can not give me an answer why my balance is not accurate. I live on my pension and ss check, this is my primary account where my insurance, my grandchildrens insurance, my rent and other bills come out automatically I would close account when I can contact the different agencies. This has been very upsetting
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint with Transunion LLC, XXXX, and XXXX credit burues. I have sent them now the 5th dispute letter today XX/XX/19 notarized, dated, all information provided for the inaccuracies still showing on my credit report. I've submitted disputes nearly every month since the beginning of 2019 - and still no prevail on some accounts. I've requested ( with proof and documentation of this ) proof of accounts that claim to be mine, to be PROVEN with physical documentation/signatures/proof that these derogatory inaccurate accounts are in fact mine. They have failed to do so. I have also called them today XX/XX/XXXX in three separate attempts to speak to a rep who can help me with removing hard inquiries that are inaccurately being reported to my credit report and hindering me from being able to apply for a loan so me and my family can move into a new home. I politely asked each representative on the phone if they can assist with removing the derogatory or the hard inquiries that are inaccurate, and was advised to contact each company and they could not assist. I know this is false, and they can assist, but choose not to. I advised I have attempted several times previously to calling that I tried to dispute with the actual agencies reporting the false/innaccurate hard inquiries - but they told me the only way to remove them is to have the companies send me a letter. I again, advised them I've tried this and was hung up on all 3 separate times. I can't believe a company like this is still around allowing companies to report false information on my credit, which is now causing me to not be able to move into the home of me and my families dreams due to them not wanting to help after I HAVE FOLLOWED ALL THE RULES AND HAVE PROOF OF ALL MY LETTERS SENT TO THE CREDIT BURUES AND COMPANIES. I did confirm they have received my letters via certified mail. I have tried to be nice, but now this is getting out of hand, and simply demand all false inaccurate hard inquiries that are NOT open accounts be removed, and the REMAINING false/derogatory accounts I've previously disputed 5 times now to be removed.
Product: Debt collection

My credit card was compromised and fraudulent charges were made. I thought the account was closed but apparently not. I am not denying that the account was opened by me but the debt/charges that remain on there are due to fraudulent activity/identity theft.
Product: Credit card or prepaid card

Capital One states that payment was 30 days late in XX/XX/XXXX I never received a statement from the company in XX/XX/XXXX or XX/XX/XXXXCalled Capital One XXXX automated line in XX/XX/XXXX, and the system stated that no payment was due in XX/XX/XXXX Made additional payments in XX/XX/XXXX ( See attachment ) Record clearly shows that payment was received on XXXX XX/XX/XXXX ( See attached ) My wife paid the bill on my behalf, as I was out of town. 
I have never been late with a payment and have been a loyal customer I am a service XXXX XXXX  veteran and request goodwill adjustment, if the evidence provided is not enough to make this request possible.
Product: Credit card or prepaid card

The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

JPMCB CARD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016I received a letter from this auto lending company Credit Acceptance and when I spoke with them via phone they explained that they would remove this transaction from my credit report that shows 3 times over thirty days late I am attaching a letter that shows that this matter was settled these transactions should have been removed from all three Credit Reporting Agencies XXXX XXXX and XXXX  because they agreed to remove these transactions they are now along with XXXX  XXXX and XXXX in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is falsely reporting my account as 30 days past due to the 3 major credit bureaus. I disputed via XXXX twice in the last 3 weeks -  included a screen shot from the XXXX XXXX website, showing that my account is current. Just yesterday, I received confirmation from XXXX that the creditor has verified that my account is 30 days / {$230.00} past due as of XXXX/XXXX/XXXX. I have a print screen ( dated XXXX/XXXX/XXXX - attached ) showing my account is current. I contacted XXXX directly on XXXX, at which time I was instructed to fax my screen shot to XXXX 's customer service department at XXXX XXXX XXXX for review. I did so on XXXX, yet the company still reports my account as past due. Further, my account has been paid every month since account opening - never been past due.
Product: Mortgage

Got public records of my home through my bankruptcy lawyer and it shows that I have 2 deeds on my property. 1 deed generated in XXXX when the property was purchased by XXXX XXXX, XXXX XXXX, XXXX and me XXXX XXXX. I went to XXXX XXXX XXXX and was told that the XXXX deed is fake, it's not in their records and that there can only be 1 deed on the property and that the only legit deed is the one from XXXX. I asked XXXX about this, I spoke to 2 different employees, and they tell me they can not tell me, I'm going to say it twice, they tell me they can not tell me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported Nordstrom to XXXX, XXXX, XXXX, asking them to Validate the debt of the amount {$520.00}. Under the fair credit reporting act as it is reporting inaccurate on my credit report. I started this process in XXXX 2018-present. I have even sent validation letters to Nordstrom and spoke with a representative, asking what information do they have on file, making me liable for this charge-off account, she informed me, nothing. This matters has not been taken seriously in validating this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has a collection on my TransUnion report that is for a debt that I never was aware of. I do not own this debt. I never authorized the initial creditor to bill me. It has been removed from my other reports but is still reflecting on my TransUnion report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Identity was compromised, and i have been trying to get it fixed for the past year and everyone keeps giving me the run around. i have filed complaints, submitted in documentation to the credit reporting agencies so i can take my life back and no one is taking me serious. 

my wallet was stolen while i was out of state and the person that stole my identity opened up multiple fraudulent credit card accounts, as well as got insurance in my name. all of this has been highly injurious to my credit file.
Product: Debt collection

XXXX XXXX was sent to collections on XX/XX/2019. This account had already been added to my bankruptcy prior to that and since then has been discharged. I am repeatedly being called and receiving threats from SEQUIUM ASSET SOLUTIONS. XXXX XXXX was discharged a while back and should not be charging me.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report. currently very upset someone is applying under my information I have been a victim of identity theft. i found numerous inquiries on my report that were not done by me. this has been affecting and hurting me as I am now in the process of purchasing a home for my new family Please remove unauthorized inquiries from my credit report As soon as possible please see attached.
Product: Credit card or prepaid card

We filed 2 disputes with Capital One back on XX/XX/XXXX. One with credit card ending XXXX for {$2200.00} and one with credit card ending XXXX for {$12000.00}. These charges were for an upgrade to our timeshare membership on XX/XX/XXXX. However on XX/XX/XXXX, ( XXXX XXXX XXXX ) breached our contract by cancelling reservations for XX/XX/XXXX & XX/XX/XXXX in which we signed an addendum to our contract on XX/XX/XXXX stating XXXX XXXX XXXX would not cancel any reservations we had made prior to that date, but they did anyway. So we are requesting our money back from XXXX XXXX since they breached contract in which we have all documents stating they breached contract. We forwarded over 100 pages of documents to Capital One for each dispute listed above. I have called every week/daily since they received documents for updates, and we kept getting the answer, " we are working on it ''. I have called and spoke to multiple supervisors, & head supervisors and we have been told multiple stories of what is going on and why they have not contacted the merchant yet. It has been almost 8 weeks ago since we submitted the case and every time I have called, they said they have all they need to submit to merchant, but it has not been done. Today when I called for an update, they told me that we need to contact a random timeshare company and get a second opinion. We are completely exhausted with them telling us something different for each call. Now we need to call a random timeshare company and get a 2nd opinion and they are just telling us that after 8 weeks and multiple calls to Capital One inquiring about our dispute. They have in no way helped us out at all. We were scammed by this company in XXXX and we have never filed a dispute but never thought we would be treated this way. Please help us!!
Product: Student loan

I have applied for the XXXX plan in XXXX of XXXX. I got approved and was told I would have XXXX dollar a month payments for a year. Now the XXXX plan is not valid and under litigation I believe, and they spoke to me on the phone and informed me to ignore all the stuff that says I will have a payment due because my account would be placed in forbearance until the situation was resolved. That call was on XX/XX/XXXX. Now on date XX/XX/XXXX I spoke to a representative at XXXX in the XXXX  and he told me that my application was never processed, when I had gotten notification that it was, and that my payments would be XXXX a month for a year. He also told me I was currently in an administrative forebearance, but when asked for documentation he put me on another hold for XXXX minutes. I still have a dropped credit score from their mistake, and can not get ahold of anyone that can solve my problem and send documentation to my email of all of these interactions.
Product: Debt collection

Shows a lot of inquires around 34 and my credit is low because of that and i cant purchase my house and also a TD BANK ACCOUNT IS THERE I NEVER OPEN
Product: Debt collection

Pursuant to my rights under the Fair Debt Collection Practices Act 15 USC 1692G, on XX/XX/year>, I requested AmSher Collection Services to provide me with the following information : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is owed ; 3. Verification that you are authorized to collect this debt ; 4. A complete payment history of the debt ; 5. Has there been any insurance claims found on this debt ; 6. Proof that the statute of limitations has not expired on this debt ; 7. A copy of any agreement I signed agreeing to pay the debt ; and 8. A copy of any judgment against me if applicable. I also requested the information be provided within 30 days of receipt of this letter, as required by 15 USC 1692g.
Product: Credit card or prepaid card

On XX/XX/2020 I saw a purchase on my Bank of America Travel Rewards Credit Card that was not authorized. I called Bank of America to let them know of the fraudulent transaction. The representative told me i should go ahead and cancel the card. I told the representative that I had a scheduled charge coming in the next day, that had been scheduled for month, and that I could not cancel the card if the charge wouldn't go through. The representative said that Bank of America would still push the charge through. Next day get an email from the merchant saying the payment was rejected by Bank of America. I called Bank of America to figure out why that was, the representative told me that I was given incorrect information, but that he could escalate it to a specialist team which would be able to activate the card and allow the one transaction to go through. The specialist the said that I was again misinformed that they are not able to do that, spoke to the manager and said that they were going to transer me to digital services where my card could be added electronically and would display the Card number, Expiration, and CVV code to make my necessary purchase. Once transferred over to digital, they said that it was not an option, and that it does not give me my card number. Employee after employee all provided false and incorrect information, and did not resolve my problem. As a result of Bank of America 's mistake I will most likely lose my purchase and will be charged late fees that I will have to pay out of pocket. Bank of America 's is the worst financial institution, it does not prioritize its customers nor take Responsibility for their own mistakes, their employees are not even trained properly with accurate information.
Product: Credit card or prepaid card

XX/XX/XXXX and XX/XX/XXXX I ordered XXXX XXXX from XXXX and 1 month service. 
Capita

l one savor card had two charges {$100.00} which includes 2 XXXX XXXX and 1 month of service for each phone and {$50.00} 1 XXXX   and 1 month service. I received the XXXX XXXX but I could not get the phones activated after days of trying. I disputed the charge and they removed it. They  contacted XXXX and XXXX sent an email showing sim cards delivered. That is not disputed. 
I could not get the phones to work on XXXX  for the service. They sent me a letter saying I did not give enough information but I am unsure how to prove I don't have something. I asked them to reopen the dispute and the dispute dept told me they can do nothing it is regulation. I don't see how this is fair how do I prove that I don't have service? 
I filled out an online paperwork showing XXXXk charges XXXX cents plus the {$45.00} plus tax per unit. Savor keeps pointing at XXXX and XXXX has no one I can dispute this with. I called today and she said it was the end no one can do any more. I explained to savor I cant prove I dont have service because I dont have service. XXXX can track the XXXX XXXX and tell they have never had service. I dont understand why this is so hard. Savor asked for additional info proof but I have no proof that I have no service. Thanks
Product: Debt collection

I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of their license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We short sold our home in 2012. PNC Bank was the lender for a XXXX ( Home Equity Line of Credit ) on our home. They have incorrectly reported the loan on our credit reports. We ca n't get a loan to buy a home again unless they provide a letter stating that the HELOC was NOT a charge off, but a short sale. They also incorrectly show XXXX accounts on our credit reports, XXXX with the correct account number and the XXXX with an attenuated account number that have each been reported differently ( XXXX shows a {$0.00} balance and the other shows an unpaid balance ). They are XXXX IN THE SAME account. I ca n't get through to a sentient human being inside PNC Bank to TALK to anyone about getting a letter drafted that states this. They have no email address, no fax numbers, no mailing address, and phone numbers that put you on hold forever, require an existing account number or SS # to talk to someone, and do n't put you in touch with someone who understands what we need or how CRITICALLY IMPORTANT it is for them to correct this error on our credit report and provide us with a letter. We are a family of XXXX trying to buy a home again, but are unable to get a lender to consider working with us until this is resolved. PNC BANK SHOULD NOT HAVE THIS KIND OF POWER OVER US!!! We need a roof over our heads.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXccount Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered that numerous inquiries have been made without my authorization or knowledge I have made a complaint to the FTC. Report XXXX XXXX