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

As of XX/XX/2022 Equifax has admitted to invading my privacy by reporting my non public personal information on my credit report in their most recent response to my dispute request. They refuse to remove this alleged bankruptcy because they claim to have furnished this " US Bankruptcy '' information from the third party company XXXX XXXX. 

I am aware that Equifax is using unlawful extortionate means by furnishing my NON Public personal information, which includes transactions between only me and the furnisher. 

Which in this case the furnisher would be the Southern District Court of Indiana. XXXX XXXX is disclosing my non public personal information to the Credit Reporting Agencies XXXX XXXX Equifax Using unlawful extortionate and is a violation of 18 USC 894, punishing me by furnishing my nonpublic personal information without my consent as a means to ruin my financial reputation is a direct violation of 18 USC 894. 

Furthermore the Gramm-Leach-Bliley Act ( GLBA ) Protects the personal and financial information of their customers against unauthorized access or use, Not disclose nonpublic personal information to nonaffiliated third parties, unless the consumer receives sufficient notice, Give customers the opportunity to opt out from having their information shared in certain situations. 

I was NEVER given the opportunity to opt out of having my information furnished by XXXX XXXX, Equifax, or XXXX. 

I am aware that Equifax, XXXX and XXXX XXXX may be working as co-conspirators to ruin my financial reputation & shall be held criminally liable for 20 years if they do not remove this item from my credit report and this also may result in a criminal complaint under the Racketeer Influenced and Corrupt Organizations Act ( RICO ) listing if they can not show me how they were lawfully able to obtain and furnisher my NON public Personal information.
Product: Debt collection

About a month ago upon checking my credit report I noticed a collection from a collection agency called Transworld Systems was on my credit report. I attempted to contact the debt collectors on several occasions requesting in writing a verification of how and why do I owe {$1200.00}. On XX/XX/XXXX I contacted the agency for the second time with the same request and on XX/XX/XXXX the agency called me back asking about payment I again requested in writing an explanation of the debt. The agency stated that they would have contact the original creditor and send me out a statement and then said or I can pay the bill in full. 
I again contacted Transworld systems by phone on XX/XX/2020 inquiring about the written date or bill again they told me that there was nothing they can do and they have requested a summary from the original creditor XXXX XXXX XXXX I insisted that I needed to clear this issue up as soon as possible to no avail, they kept telling me the same thing over and over again
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

when I took this loan I was never late, I will provide the payment history. the car was paid off and it has never been late. please have this fixed.
Product: Consumer Loan

I was contacted by someone named XXXX XXXX who said he worked for a company called GE Capital. He said that I had been approved for a {$5000.00} loan, but since my credit score was so low that I would have to pay a {$150.00} fee via XXXX. I went to XXXX and wired the company {$150.00} plus a {$3.00} transaction fee. I was then later informed by XXXX, the accounting clerk that I had to pay an additional {$130.00} fee to process the loan. I wired the company {$130.00} plus a {$3.00} transaction fee. This all occurred on XXXX/XXXX/2015. On XXXX/XXXX/2015, they contacted me again and said the funds could not be transferred into my bank account and I had to pay a {$200.00} transaction fee in order to receive the funds. After going back and forth all day, I told them that i could not see them any additional money and I just wanted my money back. This is when I knew for sure that they were n't a reputable company. The wanted me to go to the pawn shop and pawn my valuables and the so-called manager told me that since I could not come up with the money that, in his words, I should go get " XXXX '' and pay them the fee. I told him that I had morals and any other reputable company would not speak to me in that manner and not charge me upfront fees for a loan. When I asked them to please send me my money back, he stated that he could not send it back.
Product: Credit card

I am writing to share a negative experience with Chase, who runs the Explorer Card for United Airlines. 

On XX/XX/XXXX, I was looking for flights for the holidays. I proceeded to choose the flights through United Airlines- for both my mom, myself, and my pet. The total was Upon reaching the checkout screen, I was presented with a banner that claimed to offer {$300.00} off the first statement purchase, which would bring my cost down significantly. In addition, I'd get many other benefits like XXXX bonus miles if I spend {$3000.00} within the first 3 months, free checked bags, etc. This sounded like a great opportunity so I clicked the offer and proceeded to apply and be approved for a card. After everything, I restarted my process and purchased all of the flights that night. However, my emails were only speaking of XXXX bonus miles after spending {$3000.00}, which didn't match the banner offer. 

On XX/XX/XXXX, I reached out to Chase, who claimed the deal was not being offered and they would not be matching my request. Upon asking to speak with a supervisor, I was told to send proof via their Secure Message portal, which I did since the offer is still active. The website was not allowing messages to be typed, but I started the written process with screenshots since the supervisor on the phone had noted my concern. 

On XX/XX/XXXX, Chase replied stating, " If you saw the offer on a banner ad on your chase.com account, please send us a screenshot of the ad with your name on the offer. '' This is an unreasonable request because a public banner does not specify people 's names, so once again, I referenced my initial screenshots showing the United website offer. 

On XX/XX/XXXX, Chase informed me that they would not be honoring the offer that continues to be publicly advertised to United customers. 

As of today, XX/XX/XXXX, I have informed Chase that I would be reporting this misleading and unethical practice. This situation puts customers in a vulnerable place because I have signed and agreed to pay my statement, and I can't just close the card because it will negatively impact my credit score. I have also shared this grievance with United Airlines because I can't be the only customer who has gone through this unfair experience. I have attached the user journey recreating my experience on XX/XX/year> and what is still being shown today.
Product: Credit card

Around the first week of XX/XX/2023 I got a credit card in the mail that I didnt apply for. It read that if I dont activate then I wont be billed. I tossed it in the trash, never activated and never applied for it. Fast forward to today ( XX/XX/2023 ) I get a bill in the mail for a card I never applied for. I call the company up and told them what had happened. They basically said that Im going to incur late fees and marks on my credit from them until they do an investigation. Like come on! I never applied for it and it has never been used but your sending me a bill. This is absolutely ridiculous. 

The card is Indigo and the company is called Genesis FS Card Services
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ] XXXX XXXX Date : XX/XX/year> Western Funding INC XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX 15 U.S. Code 1681e2 - A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date the month and year of the commencement of delinquency on the account, which shall be the month and year of the commencement of the delinquency that immediately preceded the action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am shocked and upset about the erroneous things I have seen in my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. Can you please clear this up as quickly as possible.
Product: Mortgage

PennyMac loss draft department has routinely failed to make my insurance settlement FUNDS THAT I FOUGHT HARD TO GET A FAIR SETTLEMENT available to me to get my repairs done. When I call the loss draft department I speak with rude, loss draft department personnel with attitudes who drop calls and refuse to transfer me to management and instead place me on long hold times well over an hour in length without resolution. They are illegally holding MY MONEY for repairs.
Product: Debt collection

On XX/XX/year> I was notified that National Credit Systems reported a {$3100.00} debt to my XXXX credit report
Product: Debt collection

Kross, Lieberman, and Stone continues to report an account in the amount of {$150.00} which was a result of identity theft. I have disputed this fraudulent account and have furnished the police report. This willful noncompliance is causing me damages and has negatively affected my credit score
Product: Credit card or prepaid card

In XX/XX/XXXX I opened a Jared account through XXXX  XXXX. I eventually opened a Kay 's account as well which are both branches of sterling. Well I purchased a ring for XXXX and a pair of earrings for XXXX. 5 months after having accounts open I had available credit of XXXX and same through Kay 's. In XXXX they froze my accounts. Never once was I late, always paid early and on time I tried to use the card ( Jared 's ) beginning of XXXX and it said available credit limit XXXX but XXXX amount to use. As of today I should have XXXX available at Jared 's to use. I called them again today to inquire why the account I opened online shows I have XXXX credit limit but XXXX available to use. I was told I had to go in store to have accounts unlocked. There was never a Jared near me the closest Jared is almost 3 hours away. There wasnt a problem opening the accounts and allowing me to make 2 purchases but the only way they say they would unlock my account is if I go into store. This is like a scam. They get you to buy something and then freeze your limit. So then you must go instore for a review. I didnt apply in store. I applied and purchased online. I am not able to shop in stores due to having XXXX  XXXX  child. The account was only open 5 months and I didn't find out til today that I had to visit in store to get my available credit limit unfrozen. That is fraud, Its almost like a scheme. Something should be done.
Product: Student loan

Back in   XX/XX/XXXX  m y student loans were through  XXXX   XXXX  before it got switch over to Navient. I called back in   XX/XX/XXXX  or  XX/XX/XXXX . I was having trouble making my monthly payments which was over 300 $ a month. I ca lled Navient customer service to get some help with my payments. At first they kept pushing me to put my student loans in forbearance or deferment. An I told them I do n't want to do that the interest on my loans keeps adding up on my loans an at this rate ill never pay them off. I was then transferred to another department which I tried doing income base an they told me that I did n't qualify for income base payments. I had no choice to  put 2 of my  loans in deferment an then had to extend out when my pay off would be so I could lower my payments. Right now as  of  XX/XX/XXXX  I pay   {$210.00} a month an that does n't include m y 2 other  loans that I need to pay on. Which the payment for those will be starting soon cause they could only give me a 12 month deferment. I just recently called Navient o n  XX/XX/XXXX  abo ut late fee 's on my account. I called customer service yet again an asked them about the late fee 's. I said I have 14 days to make my payment before the late fee 's are put in. My due date is t he  XX/XX/XXXX  an I have to the  XX/XX/XXXX  to make a payment. I had a late fee on my account on  XX/XX/XXXX  an goes back since I had m y loans which is now over  10years. I wa s put on hold for about 10 minutes when she came back on the phone an told me that there must of been a computer error. She informed me that sent a request into remove those late fee 's. Now I am keep checking my account to see if they have been taken off. I have had my student loans for over 10 years an I can not get any help on making payments, student loan forgiveness. They are very push on putting your loans in forbearance or putting them in deferment.
Product: Checking or savings account

I was recently scammed by making a transfer through XXXX  inside my Capital One banking app. The scammer hacked in to my friends social page ( XXXX ) persuade me & induced me making the transfer. they promised to returned the money if the investment service if needed, but then it was a scammed. I never got what i was promised for also can't get my money back, I called the bank immediately about this and disputed. The bank denied and wasn't able to look into the situation for me. I believe there's a law Regulation E that was suppose to help & protect my situation, please let me know what can i do. The mount was XXXX which is a big number for me Thank you
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligations under the fair credit reporting act to conduct a reasonable investigation of disputed information on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : 1. 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  ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion Credit Bureau has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a late to my account that I should not owe. My XX/XX/19 late on this account was a result of a system error on their end, I made my payment online and was told the payment went through, however their system did not actually process the payment until the account was late. This late was not my fault and it needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

as a result of fraudulent actions i have 11 inquiries that i did not apply for when i asked the companies in question i was told to contact the credit agencies when i did so they told me to go back to the creditors at this point i need these fraudulent inquiries removed they are not connected to any accounts on my file. 
1..XXXX XX/XX/XXXX 2.XXXX  XXXX NA XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXX   XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX 9.XXXX XX/XX/XXXX 10.XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting

transunion had fraudulently keep adding the phone number XXXX to my credit report and it has been used fraudulently. I do not have that number currently in use for the last three years. I had the number removed from transunion several times but they keep adding the number back on my report. Their reason was because it was from XXXX, XXXX.i had told XXXX and XXXX several times that that XXXX is not my number XXXX ; I believe the number is being used for fraud and compromising my security with transunion. I also believe someone else has access to the transunion account without me knowing
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX Balance : {$14.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX Bankruptcy. The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies. Doesn't this go against the FCRA Laws?
Product: Checking or savings account

At Chase Bank, these transactions had gone through by the end of day XXXX/XXXX/XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX {$100.00} At the end of the day, my balance was {$2.00}. Here comes a check for {$180.00} XXXX/XXXX/XXXX. Chase Bank manipulated my transactions ALL the 3 items that cleared now were charged insufficient fees {$34.00} each ( {$100.00} ), clearly, the bank is stealing from me the customer. I called them and pointed out the issue but Chase representative did not adhere to my complaint.
Product: Credit card or prepaid card

Hello, we opened a new Southwest rewards card through Chase. One of the benefits of the card is met if we spend {$5000.00} on the card over the first three months. To start off, Chase gave us a low credit line ( {$2000.00} ) for our income and credit scores. Then, when we tried to pay it off some early purchases, I made an initial mistake with inputting our bank information online. After correcting the error, the payment has been processed by our bank on XX/XX/XXXX ( as shown on the attached statement ). Two days later, my wife attempted to pay for a hotel stay, and Chase had not cleared the balance. When we contacted Chase, they refused to honor the payment until the end of the billing cycle. We spoke with a supervisor who said the same thing. When we ask to raise our credit limit, he said we didnt qualify, which doesnt make sense again out of proportion to our income and credit score. This seems to be a blatant attempt by Chase to charge us interest on funds our bank has already processed a payment for and to deny us the opportunity to earn the reward that was the primary reason we started the card for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My apartment was broken into and several of my identity documents were stolen which resulted in the take over of my XXXX XXXX XXXX checking account. I filed a police report which has been attached. XXXX XXXX XXXX   risk department froze my checking account and closed it. I was told by numerous XXXX  XXXX XXXX employees over the phone and in writing that no negative information would be reported to any credit reporting agency for any of my accounts. I have now found that XXXX XXXX XXXX has reported the hacked accounts to XXXX and Early Warning Services. Since these accounts were taken over as a result of identity theft I would like the account reporting to be updated.
Product: Credit reporting or other personal consumer reports

This letter is being sent in response to a consumer report recently obtained by the Claimant from TransUnion. Please be advised that XXXX XXXX XXXX XXXX is reporting damaging information, which has caused undue distress. 

It is my contention that XXXX XXXX XXXX XXXX lacks standing to report such information or to attempt collection on the alleged debt. Accordingly, be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666.
Product: Payday loan, title loan, or personal loan

Currently I have a loan with Omni Financial here in XXXX XXXX  I took out the loan for XXXX back in XXXX. I re did a loan in XXXX of XXXX which only added XXXX dollars. Looking now at my monthly reports the interest rate of this loan is XXXX XXXX and it is saying I owe over more than XXXX with my monthly payments of XXXX. 
I have been trying to knock it down but havent been able too with the highest interest rate I have ever seen. My loan should of been paid off by now but I havent by their standards even made a dent into it. 
Omni Financial was in for an investigation plus bankruptcy because of the XXXX business they were doing. I just dont want to be another victim to them.