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

On   XXXX   XXXX   XXXX     I received a credit card offer from  Chase Freedom  through  XXXX , and on   XXXX   XXXX     XXXX   XXXX   XXXX    through  XXXX  because my score was  XXXX .   The advertising states they would do a soft pull on your report and it WOULD NOT affect your score. They do n't explain that they later do a hard inquiry to the Consumer. I spoke with Chase and   XXXX   XXXX   XXXX   and they both told me they would not change it to a, Soft pull. However  XXXX  advised me that they could change it where it would not affect my score. By them doing a Hard inquiry my score dropped to  XXXX  by  XXXX  points, I am very angry, Had it been properly explained to me that an initial Hard inquiry would follow I would not have applied. This hard inquiry will remain on my report for 25 months, which is utterly ridiculous. This is completely deceptive practice and  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occasions to contact the credit companies and also credit bureaus to get these inquiries removed because they are unauthorized.
Product: Debt collection

Professional Adjustment has a bill from XXXX XXXX that is 6 years 6 months old and it still remains on my credit report. I will never pay this bill as medical treatment was not rendered by doctors, and it has been on my report over the allotted time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FNB Omaha and XXXX XXXX accounts do not report the history of credit limits for the accounts. Please report the history of the credit limit for the FNB Omaha and XXXX XXXX accounts in the same manner that XXXX is reporting the history of credit limits foXXXX XXXX XXXX  and FNB Omaha. My credit score with XXXX increased by XXXX points following its insertion of the complete credit limit history. XXXX XXXX is also reporting the complete credit limit history for the XXXX XXXX account. Please report my complete credit limit history for these two accounts so any observer of my report can see the credit limit for the FNB Omaha account was {$17000.00} in XXXX 2022 and reduced to {$8700.00} in XXXX 2022 and the XXXXXXXX XXXX account and {$9000.00} in XXXX 2022 and reduced to {$5000.00} in XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid XXXX and XXXX as well as several others to help with identity theft and recieved no services. Irs cant get no transcripts nor mail to me and the paper I did get provides false info and I can not access my account I have reported to local authoritys as well as US Marshalls and SBI do to a county retaliating against me for a wrongful conviction Im trying to get in court and I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX and are not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and disappointed that my credit report was misused and I have been violated. I was apart the breach when the XXXX and Experian got sued so I thought my information was protected moving forward. Thats makes me scared over the privacy of my information. As I was trying to purchase a home I discovered how I have been violated again. This is defamation of my character and putting me and my family 's livelihood at risk from buying a home. So I immediately did research to educate myself and enforce my federal consumer rights so I can moved forward in my life. As the consumer financial protection bureau I ask you to help me exercise my rights IMMEDIATELY! I have several fraudulent accounts on my credit report that should not be there. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Congressional findings and statement of purpose, my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. I am coming to you all so help me solve this matter with the credit reporting agencies. They are neglecting my consumer report.

There are damages on my consumer report that is causing financial and psychological stress. According to, 15 U.S. Code 1681n ( 1 ) ( a ) ( b ) - Civil liability for willful noncompliance, I have the right to sue for up to {$1000.00} per damages for being under false pretenses and not knowing about how my information has used in the breach and the negative accounts that is on my consumer report. I know my rights!! Attached you will see the disputes I am sending to all the credit reporting agencies. REMOVE ALL THE DAMAGES FROM MY REPORT IMMEDIATELY.
Product: Credit reporting

Experian refuses to reinvestigate anything for a second time. They do it once then block online access to dispute a second time, they do n't care if the information can not be validated or lowers your credit score. You get a pop up box saying they already investigated, even when it 's been 3 years already. They direct you to go to Experian.com/upload, then you upload documentation, and there is never a dispute that is opened up even after that, or any resolution or response. They keep false information on the credit report that is in violation of FDCPA ad CFPB. The consumer is stuck with the information like it or not and Experian makes money off of us selling our information and getting paid money from the creditors with the incorrect information.
Product: Debt collection

This is a complaint from XXXX XXXX against IC Systems for IC Systems 's failure to provide requested information for the debt alleged. As of XX/XX/2017, IC Systems has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through XXXX ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Debt collection

I recently called and submitted a letter to paramount recovery systems asking them to validate a debt. I never received information on the stated amount or that it be reported on my credit report. I asked them to provide the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in Georgia ; and 7. Your license numbers and Registered Agent finally I ask paramount recovery systems to remove the collection from my credit report until the debt is validated.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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 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: Checking or savings account

This is regarding my checking account at XXXX XXXX checking account. There was a {$5.00} inactivity fee debited on my account on XX/XX/XXXX at XXXXXXXX XXXX. 
The term is Inactivity ( after 90 days w/ no XXXX ) {$5.00} per mo. {$5.00} per mo. 
I have a {$25.00} deposit on XX/XX/XXXX at XXXXXXXX XXXX 
Also a {$25.00} deposit on XX/XX/XXXX at XXXXXXXX XXXX 
XX/XX/XXXX is still within the 90 days after XX/XX/XXXX. 
I called in several times and asked about the fee terms, the agents told me that the system is accurate by XXXX. This is no sense since the fee is debited at XXXXXXXX XXXX. Then they say there is nothing they can do. I would like to speak with a supervisor, she put me on hold for an hour but no one took the line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a 30 day notice requesting that my account be investigated for any inaccuracies. I didn't receive any correspondence regarding the outcome. I applied for an annual report and found out my account was locked. I received additional information of credit denial because of the inability to verify information on my credit report. 
I also filed a dispute regarding the following companies for filing inaccurate information : XXXX. XXXX XXXX XXXX - This account has been paid off in full, talk to manager who agreed to update credit file, however it still being reported 2. XXXX XXXX- I contacted XXXX stating that this account was a business account and should not be reported on my personal file. I still receive harassing phone calls for this debt, and it's still being reported on my credit file. 
3. XXXX - The information is being reported inaccurately, the current file reports a write off mixed with the current open account which is paid without delays. 
4. XXXXXXXX XXXX, XXXX XXXX received derogatory information causing a denial of a request for a mortgage and/or FHA and Conventional Loan. 

I have been denied a mortgage because the credit bureaus ( all 3 credit bureau ) are reporting inaccurate and false information. There are several current accounts being reported as possible negative accounts. This has caused irreparable harm. 

The 30 day request to update my account after an investigation and accurately report my credit. Currently my credit is being reported as 38 delinquent credit reports, unsatisfied bankruptcy, and etc.,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries that I 've called XXXX and asked them to remove yet they are still there even after explaining that I never authorized nor applied for credit with one company. I sent a copy to XXXX XXXX XXXX that a bill was paid for {$100.00} for XXXX yet that is still on there plus some other outdated information. Seemingly the other two credit reporting agencies can not seem to match either and I am disturbed that my score went down when payments on my few accounts are up to date and that my student loans were forgiven so they should be off. I do hope that this can be resolved as soon as possible as I 'm sick of speaking to various folks who seem to not even live in the USA.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of 2023 I took a loan through Affirm in the amount of {$330.00}. I had my XXXX  checking account set up for auto pay, with the correct account numbers for it to be taken out every month successfully. I have zero problem paying this full amount back along with interest. I spoke with my bank, the credit bureau, and Affirm 's customer service about this issue multiple times. Nobody has led me in the right direction. When I called Affirm regarding this loan repayment, I asked them why the funds were not taken out of my account. They told me over the phone that my bank checking account was closed, or I didn't have the correct checking account aligned with auto pay which is false.I have verified with XXXX that my checking account was in fact open and had available funds to pay off this loan for the months of XXXX, XXXX, XXXX, and XXXX of 2023 which I will provide below. There should be no reason this should be reported as a late payment on my credit report, as this seems like an error on Affirm 's end. They are unwilling to assist me as they charged off my loan in XXXX and sent it to a collection agency under the name of XXXX XXXX. I never received notice of late payments otherwise this would've never came down to this. I just want to settle this late payment and possibly have the ability to get the late payment reversed if possible. I'll set up a payment or pay the amount in full. I plan on moving out and my XXXX XXXX has dropped dramatically due to this late payment. I'm only XXXX XXXX XXXX and I can't get approved for anything with a XXXX XXXX in the XXXX. Please help me with this dispute I don't know what else to do in my favor to reverse this late payment
Product: Debt collection

On XX/XX/XXXX I emailed a letter to my quick wallet to revoke ach authorization and also a do not call me at my employer 's. Due to COVID19 my hours have been reduced and my ability to pay has been affected. My quick wallet has since called my job twice and is threatening to continue calling if I dont make a payment. My employer has expressed these calls are not acceptable and I have received two warnings. I have tried to explain my situation and as soon as I am working fulltime I can start making payments again.
Product: Checking or savings account

On XX/XX/22 I got service done to my car by XXXX XXXX because my vehicle was overheating. After {$1000.00} worth of repairs my mechanic told me my vehicle was running great and was ready for pick up. On XX/XX/22 I went paid the mechanic for all the repairs and all the extra parts and recommendations that he made. After driving away from the mechanics XXXX min later my vehicle overheated once again and i had to be towed back to the shop. He then goes to tell me that I have a cracked head gasket and possible engine problems. Never was this said too me Prior. The mechanic supposable did all this work to my car but never fixed it at the end I had to sell the car to carbrain as a non working vehicle for parts. The mechanic wrongfully diagnosed my car charged me {$1000.00} for parts that were not needed to be changed he also did an oil change for me for a car that was not even running to milk me for more money cause he told me he had fixed the overheating issue which was not the case! I contacted Td bank to file a dispute with the mechanic and submitted all my paperwork. Td bank gave me provisional credit for {$1000.00}. A month goes by and I then see that Td bank reversed my credit and my bank was now negative. When i called the bank to find out why they reversed my claim they stated I did not give them enough information and that they tried to reach me by phone call. I submitted all the info and Td never reached out too me never received a phone call no voicemail either which they said they left. Also they never even sent me paper work in the mail about my case still waiting its been over a month. I then filed complaints multiple times and Td eventually tells me there is nothing they can do because the merchant already declined the refund. Td had all my paperwork and this was clearly fraud I even have texts that the merchant was going to compensate me but that was after i had already received my provisional credit. I would like the bank to give me back the money that they owe me and stop telling me that there is nothing they can do about it. This was clearly a scam/fraud.
Product: Mortgage

I have been going through a loan modification through the XXXX XXXX XXXX XXXX and my mortgage company Freedom Mortgage. We had struck a deal with the mortgage company to modify my payments since I was going through a divorce, and I sent the XXXX XXXX XXXX XXXX money ( I have receipts ) to help. It has been about 9 months now and I just received my Sheriff 's Sale notice. I have been calling the XXXX XXXX XXXX XXXX for the past week with no response. I called today my mortgage company and they have said they last contacted them in XXXX 2017.
Product: Credit reporting or other personal consumer reports

I want these inquires deleted because I didn't authorize these companies to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to remove some unauthorized inquires off of my credit for about 4 times now over the past few months with very little success. I feel as if the bureaus arent taking the time to actually delete them off of my report. All the evidence and documents have been provided so there is no excuse to keep them on my report. FTC REPORT # : XXXX This is a real claim. There are many inquiries remaining and I am demanding them to be removed, last dispute was sent XX/XX/2020. That is more than enough time to block, and pursuant to 605B if there are remaining items from last dispute they have violated that law!
Product: Debt collection

I do not have a signed contract nor any contract with CREDIT MANAGEMENT. I have never done business with this company. I am not liable for collection from this debt from I am not responsible for this debt with CREDIT MANAGEMENT. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have  been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. ( Hence this company is not licensed in the State of  Florida to collect on ANY debt. )
Product: Checking or savings account

I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was being charged overdraft fees due to delays in the posting of charges and credits. 

The situation mirrors the recent findings by the CFPB regarding Navy Federals practices, where overdraft fees assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 

I believe these practices are unfair and respectfully request an investigation into mt account and and the specific transactions in question.
Product: Debt collection

On XX/XX/XXXX I recieved emergency care at XXXX XXXX XXXX XXXX Department located in XXXX Arizona. My medical bills were processed through my insurance of XXXX XXXX XXXX XXXX XXXX XXXX. According to my insurance, all claims were paid, however I am receiving a bill from a collection agency, Pendrick Capital Partners II, LLC, for the amount of {$1100.00}. Per Pendrick Capital Partners II, LLC the orginal creditor is XXXX XXXX XXXX  When I contacted Pendrick Capital Partners II, LLC, I was told the orginal creditor sold the debt to them and now they are threatening to ruin my credit if I do not pay. Currently, XX/XX/XXXX, my insurance company has opened an investigation into this matter and I am reporting this due to fear of my credit being ruined or identity being stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX, CA XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The items XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXk, and XXXX XXXX  are inaccurate . To my knowledge I have not signed any documents authorizing the companies in question to view my credit report. I did not consent to anyone pulling my credit score on XX/XX/year>. The listed inquiries above were without authorization and for no legitimate business purposes. I NEVER AUTHORIZE SUCH ACTION AND THIS CONSTITUTES A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT 604 AS WELL AS A VIOLATION TO MY RIGHTS OF PRIVACY. I am requesting that these items be removed. I respectfully request a copy of any authorizing credit inquiry and sign on my behalf so that I may verify its validity. If YOU FIND THAT I DID NOT AUTHORIZE THESE INQUIRIES I ASKED THAT IT BE REMOVED IMMEDIATELY FROM MY CREDIT FILE. 
Please investigate this matter and delete [ or correct ] the disputed item [ s ] as soon as possible. I hope I can receive a response back or any information from you guys as well.
Product: Credit card

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted.
Product: Debt collection

On multiple occasions a company called with the # XXXX. Called my phone, my husband, my dad, my sister and my brother in-law. They give all of my information to every person stating i owe a certain amount of money to XXXX XXXX which i don't even have on my credit report anymore. They then yell at you saying they will take legal actions and arrest and put you in jail for this situation. I then call back asking them to stop calling me and to leave my family alone and they just hang up on you. The last time i spoke with them and asked them to stop calling me was yesterday XX/XX/19.