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

U S DEPT OF EDXXXX Account number XXXX Balance XXXX U S DEPT OF ED/XXXX Account numberXXXX Balance XXXX Address XXXX XXXX XXXX XXXX XXXX, IA XXXX the account is report twice with different amounts and past do I do not know this company and have never done business with them
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. CHAPTERXXXXBANKRUPTCY DISCHARDED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND I WANT THEM TO BE DELETED BECAUSE THEY ARE IN MY REPORT XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XX/XX/XXXXXXXX  {$1200.00} XXXX XXXX XXXX {$1700.00}.
Product: Checking or savings account

someone put a false check and was deposited into my account and when wells fargo reached out to me and i explained what happened they said they was gon na close my account and i can not re open the account making me find another bank.
Product: Debt collection

On XX/XX/XXXX I paid in full the remaining balance I owed to XXXX XXXX for laundry machine rentals. The amount owed was {$130.00} ( payment ID XXXX ). Once I paid the account I immediately disputed the account with XXXX on XX/XX/XXXX as paid in full. The account was opened on my credit report XX/XX/XXXX and the debt was bought by RS Clark & Associates. However, since I had to ability to pay the original creditor XXXX XXXX XXXX ) I did. 

On XX/XX/XXXX my dispute came back as the information regarding this debt being accurate ; meaning that I still owed this debt, when in fact I did not. I then called RS Associates on XX/XX/XXXX at XXXX to inquire as to why this debt was still on my credit report and being reported as unpaid. The representative proceeded to tell me that because I paid the original creditor and not them, they would have to get confirmation from the original creditor that the balance was in fact paid in full and that could take up to 45 business days. They refused to take any of the confirmation information I had in regards to the payment status of this debt, citing that it could be fraudulent. 

On XX/XX/XXXX I received an alert that RS Associates had updated this account on my credit report and falsely reported it as late/delinquent, have already had prior knowledge that this account was in fact paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are all reporting Bankruptcies twice on all 3 of my Credit Reports. 

XXXX is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

Equifax is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

XXXX is reporting 2 Bankruptcies dated : XX/XX/XXXX and XX/XX/XXXX. 

However, I have tried to dispute these inaccuracies with all 3 Credit Reporting Agencie : XXXX, Equifax and XXXX. However, they have yet to MASK these items, from my Credit Reports.

However, on XX/XX/XXXX after I disputed these inaccuracies with XXXX, Equifax and XXXX. XXXX  and Equifax REMOVED the Bankruptcies, from my Credit Report, but then ADDED them right back on my Credit Report the SAME EXACT day! I have also attached proof of this with this complaint.

I have also contacted the Federal State Bankruptcy Court that responded back to me via signed letter stating, That they do NOT REPORT any Bankruptcies to any of the 3 Credit Reporting agencies. I have attached this letter, from the Federal State Bankruptcy Court to this complaint.

I am requesting that ALL 3 Credit Reporting Agencies : XXXX, Equifax and XXXX  IMMEDIATELY REMOVE ALL of these Bankruptcies, from my Credit Reports. Because ALL 3 Credit Reporting Agencies are in violation, of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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

1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( I have contacted the CEO via email which I have attached asking for removal ) 15 U.S.C 1666B : A creditor may not treat any payment on a credit account under an open end consumer credit plan as late for any reason.

I have tried not to take this route however, due to these 2 late payments my reputation and character is being question damaging my opportunity to obtain a home for my son & I. I am a hard working single mother just trying to get by. I have built a great relationship with XXXX and would like to continue this. Please help me. 

I have reached out to each credit bureau but have not been provided with any assistance.
Product: Debt collection

I have a medical bills on my credit report who was already paid by my insurance. I received calls from collection agency with treated and rudeness. I never received any final bill from any office to paid just received calls and find out when I check my credit reports.
Product: Checking or savings account

Chase Bank put a hold on federal protest funds and then gave the funds to a collect agency even when I told the bank as well as the collections agency those funds are federally protected now the bank is telling they were protected but I have to get it back from the collections agency
Product: Credit reporting or other personal consumer reports

I HAVE TRIED TO FIX THIS FRAUD ACCOUNTS WIT EQUIFAX FOR SEVERAL YEARS AND NO RESPONSE. I AM A XXXX AND ITS STRESSING ME AND STOPPING ME FROM DOING THINGS IN LIFE I SHOULD NOT BE WORRIED ABOUT. I HAVE MAILED IN SEVERAL FTC REPORTS AND POLICE REPORTS BUY IT NEVER GETS HANDLED. ON XXXX AND XXXX THESE FRAUD ACCOUNTS WERE REMOVED AND BLOCKED ASAP FROM MY CREDIT FILE BUT NOT EQUIFAX. I NEED THE XXXXXXXX XXXX XXXXXXXX FRAUD ACCOUNT REMOVED AND BLOCKED, XXXX XXXX  NEEDS TO BE REMOVED AND BLOCKED, XXXX XXXX # XXXX OPENED XX/XX/year> NEEDS TO BE REMOVED AND BLOCKED, THE XXXX XXXX XXXX IS FRAUD AND NEEDS TO BE REMOVED AND BLOCKED. I HAVE ATTACHED A POLICE REPORT AND FTC IDENTITY THEFT REPORT AND COPY OF MY DRIVERS LICENSE. IF NOT HANDLED I WILL SEEK LEGAL AVEUES. ITS LIKE YOU OVERLOOK THE CONSUMER AND PROTECT THE BANKS.
Product: Checking or savings account

Used XXXX to purchase half off restaurant tickets for XXXX XXXX XXXX. Their site was compromised through XXXX and fraud charges in the XXXX were initiated from my checking account repeatedly. Contacted the bank, Navy Federal Credit Union and had the charges removed. Now my checking account has a fraud alert and I will need to change all my automated withdrawals and deposits. This happened to the credit card of three other people I know. Please investigate : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Checking or savings account

When ordering from XXXXXXXX XXXX, I was offered a coupon in app for grocery delivery. With the coupon the order total came to {$80.00}. I payed via XXXX XXXX, and was charged {$80.00}. Hours later later I was charged an additional {$34.00}. Upon checking the app I saw that the total had been changed from {$80.00} to {$110.00}. The coupon has also magically disappeared from the order. I contacted XXXX several times about the coupon and they said they couldnt help me without a screenshot of the coupon. But since the coupon had been used it had been removed from my promotions section of the app. They said they couldnt find the coupon even though I had originally been charged the right price. In the next few days the {$34.00} fell off my account and the {$80.00} charge was changed to XXXX. I continued to contact XXXX for weeks after and even filed a XXXX report. After they failed to assist me I filed a chargeback for the difference of the charge. 

Almost two months after filing the dispute with Capital One, they email me telling me that my claim was denied. I provided all the valid information in the case that I could. I tried to handle the issue numerous times with XXXX and then was forced to notify the Capital One. Capital One did not make a fair decision based on the information given and has defrauded me of my money.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a letter to the bureau asking them to valid the accounts XXXX and XXXX XXXX XXXX XXXX XXXX. I received a stall letter telling me they received the letter but it didn't appear that I give proper authority to the third part that sent the letter. So I called XX/XX/XXXX and spoke with XXXX who had very bad comprehension skills. She seem to not understand what I was talking about. I asked about the letter and she was talking about inquiries. I asked her to tell me what the letter reads she then put me on hold and hung up. I called back spoke with someone named XXXX I explained the situation she then wanted to get condescending because I told her the representattive didn't comprehend well. She said that they had expedited the dispute. I asked her about the letter she said she couldn't see the letter that the only people that can see the letter is the company which received the letter. I asked who received the letter she couldn't tell me that she said I should know. I told her she should know I wouldn't know but I do know it was received because I got a response from them dated XX/XX/XXXX. So what happened to the dispute letter I send out XX/XX/XXXX? XXXX put me on hold then hung up as well because the questions I was asking about the letter they couldn't answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines . The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter. 


See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Autotrakk placed an Hard Inquiry on my credit file XX/XX/2018. Requested company to supply information reasonings of hard inquiry. Company stated inquiry will be removed and still remain on my XXXX report.
Product: Credit card

Original charge of {$550.00} to XXXX on XX/XX/year> which included multiple items. Products purchased in this order # XXXX were returned back to XXXX. XXXX sent an email confirming receipt of the items and issued a credit of {$260.00} on XX/XX/year> to my credit card. But I have yet to receive the {$260.00} credit to my Apple credit card XXXX. I have called numerous times XXXX and Apple. XXXX states that the problem is with Apple. All I'm requesting is the {$260.00}, partial refund of the original charge.
Product: Credit reporting or other personal consumer reports

I reviewed my XXXX  Reports and noticed that I have inaccurate late payments on this account. XXXX  Reporting Agencies have assumed a vital role and have a responsibility to report XXXX  information to the best of their ability with Maximum Accuracy. Account : ( XXXX XXXX ) : ( XXXX ) Please remove this account from my credit report.
Product: Credit card or prepaid card

I applied for a Chase Sapphire XXXX card but got declined. My credit score is above 800 so it can not be my credit. I have not yet received a reason for my decline. I called Chase this morning and after a long wait the agent told me I was declined because I had received a Sapphire bonus in the last 24 months. This is not possible because I have not been a primary account holder of a Sapphire card. My wife had one but not me. 

I am very frustrated with my experience at Chase and can't seem to a straight answer. Now I had a hit on my credit score for no fault of mine. Can someone help?
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I have several accounts opened in my name over the past few years. I have tried to fix these issues and they keep coming back as mine. I work 50 hours a week with 2 roommates who are able to order things without my knowledge ( In which Im also pressing charges ) ... I told this company even though you guys have my address I did not open these accounts and I talked to someone who stated the accounts were opened with just my last 4 digits of my social. Im sure if my full social was asked for this could have been avoided.On top of these accounts on my credit XXXX and XXXXXXXX XXXX continue to attach late fees on a closed account and XXXX sent this account to collections.I will not pay for a account I did not open and your company need more information than just the address is the same ... Before i get my lawyers im giving this company one final time to make this right as this has been a nightmare and Im unable to purchase a house. I am asking for proof that I open this account something more than a  matching XXXX address.
Product: Credit reporting, credit repair services, or other personal consumer reports

My equifax credit report shows a hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/2018 which i do not recognize. I have paced a fraud protection watch through equifax. There is no contact information for the company checking the report
Product: Credit card or prepaid card

I am a day late on a payment I have been getting calls every day almost every other hour. The number come up as unknown and when I answer its always XXXX XXXX.
Product: Mortgage

I had reached out to Mr Cooper because I am under contract in a property in XXXX, NC. The property has an assumable loan so the seller and I had reached out to Mr Cooper and requested the loan assumption documents. This request was confirmed that it had been recieved by Mr Cooper and they sent out the loan assumption documents on XX/XX/2024. I completed the documents and sent back all the completed documents along with the requested information on XX/XX/2024. I sent everything back via email and sent it via postal mail as well to ensure they would be recieved. The following week I began calling the general Mr Cooper line asking for updates and to confirm reciept. I was informed that within 30 days of requesting the loan assumption documents Mr Cooper was legally committed to assign me a loan mortgage officer then within the next 15 days they had a legal obligation to approve or deny the loan. When I called again on XX/XX/2024 I was informed that all my documents were recieved and they confirmed that it was fully complete with all of the information they had requested. I was told that I would be notified of who my assigned mortgage officer was no later than XX/XX/2024. I called again on XX/XX/2024 and was transferred serveral times and was sent to XXXX who let me know she was the supervisor of the assumable loan department and she let me know that even though they had recieved all my information I wouldn't be assigned a mortgage officer yet becasue there are only XXXX people that work in that department and the deadline had not passed. When I shared that it has been beyond the 30 and 45 day mark that they are legally committed to XXXX denied this and did not have an answer for me. She did give me her direct number to follow up and let me know I could leave her a message and that she would call or email me back with updates. Since I spoke to her in early XXXX I have been calling her direct line every 3-4 days to check for an update and leave messages and have never gotten a return call or email.XXXX XXXX direct number that she instructed me I could call to get updates and communication is XXXX. She has been entirely unresponsive. I am almost 2 months since the assumable loan package was requested and Mr Cooper is now in posession of my personal information and the requested documents and they have not fulfilled the legal obligation to assign me a mortgage officer, simply because it does not benefit them for me to assume the loan. Regardless of the benefits to them of the loan package their is a legal commitment to follow through on federal guidelines and they have not. These actions are illegal and demonstrate prejudice.
Product: Credit card

I consolidated all my credit debt at the end of 2022. My bank paid off the remaining balance to TD BANK, who held my XXXX XXXX account. TD BANK then canceled my automatic payments without notifying me in any form. They then allowed XXXX to continue charging a XXXX XXXX  monthly insurance charge. They NEVER notified me that they canceled my auto payment, so when I received a statement each month I assumed it was taken care of, by the system that I had set up ahead of time. After being royally screwed over by this credit company, I understand that I should have been more proactive in making sure the auto payment processed, but I find it completely unethical, crooked, shady, that they can cancel my automatic payments without notifying me. I have had Auto payments set on everything for years. This missed payment is NOT my fault, bc if the credit company had notifed me that they CANCELED MY AUTO PAY, I would have made sure to make the payments myself. Not only that, but when another account of mine slipped to just 30 days late due to recent financial hardships brought on by this credit crisis, that creditor called me, texted me and emailed me immediately. TD BANK did not even try to get in contact with me. They did this very much on purpose. I had enough money, the credit card company just didn't do a very good job on their end to collect it. In fact, they literally prevented themselves from collecting it by canceling payments. it was done intentionally, like retaliation, to try to collect interest bc I paid off the account EARLY. I know XXXX XXXX and XXXX did similar to their customers. I believe that is what TD BANK did to me, something shady and unethical. After my debt consolidation, my credit score was XXXX. After TD BANK canceled my auto pay, it dropped to XXXX. It's been 10 months since TD BANK RUINED MY LIFE, and my credit score is only back to XXXX. I worked hard my entire adult life to build a good credit score, my mother always told me I would never be good with money and I'd probably have horrible credit, so I did it to spite her. This is completely unfair and has severely negatively impacted my life. I can't even afford to finance a car because of how high interest rates are for my credit score. I've been rejected for a school loan because of the one missed payment from XXXX. Everything I need to do in my life to get out of this horrible personal situation I'm in, has been halted because of this one failure to communicate from TD BANK. ive spent the last 10 months trying to dispute it with them and get a 'GOOD FAITH ' removal, but they just keep saying the information is valid and are being real jerks. I try to call and their system hangs up. I email, and it takes a long time to get the same stonewall response. This isn't right. And it's not fair, and I don't deserve this black mark. Hopefully someone here can help me, but at the very least, if you have the option to NOT finance or not do anything with TD BANK, don't do it, choose another lender.
Product: Debt collection

Billing complaint - overcharged, then the outstanding bill was sent to collections agency and hurt my credit. Had a vet check up in XXXX for my dog. Paid bill in full during time of visit as required with debit card. Later on, I got a bill for {$130.00} and I disputed it with the clinic. The clinic claimed I had not paid my bill in full ; despite me doing so before I left the clinic during the time of my visit. They then sent the overcharged, outstanding bill, to a collections agency and hurt my credit score. I was forced to then pay the outstanding amount to alleviate the damage to my credit score. I did not owe this money, I had already paid my bill in full on the day of my appointment.
Product: Credit card

TODAY XX/XX/XXXX CITI CARD PUT MY CARD ON FRAUD ONCE AGAIN. IT HAPPENS EVERY HOLIDAY OR WHEN I CAN NOT HEAR SOMEONE AND IT GOES TO FRAUD AND VERY SCARY. IT I WAS OUT OF TOWN AND XXXX I WOULD BE STRANDED. I HAVE TO GO TRU XXXX ALL THE TIME. I AM FURIOUS. I CAN NOT HEAR. EVERY HOLIDAY THIS HAPPENS.
Product: Credit card or prepaid card

I have called twice XX/XX/XXXX and XX/XX/XXXX about XXXX separate accounts that have reporting errors. I have NEVER missed any payments on any of my accounts and for some reason it now shows that I am missing payments. I even sent dispute letters out which I have receipts for and it keeps coming back that this information is correct and it is not. Please update as soon as possible. This is hurting my overall score. This is in regards to my XXXX account as well as my XXXX XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent collection on my credit report that does not belong to me for a medical bill I have no idea where it came from or who it is for. The account is involved in litigation where the account # is XXXX that is located on my experian XXXX and XXXX  report. The data gets removed and comes back every 30 days and I don't understand why this account that has nothing to do with me and does not belong to me keeps on reappearing on my account where I am going to sue all 3 bureaus where I am looking for a rental property and this is severely hurting my credit and getting me really upset. The next step for me is contacting my lawyer and suing filing an arbitration.
Product: Credit reporting or other personal consumer reports

See the attached FTC report and remove the following unauthorized inquiries from my credit within 7 days : XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XX/XX/XXXX EQUIFAX, XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XXXX, XXXX EQUIFAX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX, XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX EQUIFAX, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for a loan over the phone. Their claim was that they were from XXXX XXXX XXXX  XXXX XXXX. I gave them all of my info. Their phone numbers were XXXX and XXXX. They deposited {$500.00} into my account. I was told to go buy a XXXX gift Card for XXXX and send them the numbers from under the scratch off. This first transaction was a test to make sure it worked. The second day they deposited XXXX into my account. Told me to buy 4 XXXX Gift Cards at XXXX each and the remaining would be the first portion of my XXXX loan. They got access to my account and took a lot more than was planned. BB & T froze my accounts and made me pay for what they had taken. It cost me around XXXX.