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

DURING THIS COVID-19 PANDEMIC I WAS ENCOURAGED TO LEARN ABOUT PROTECTING MY CREDIT FILE AND PERSONAL IDENTITY. I WAS TAUGHT TO REVIEW AND INTERPRET MY CREDIT REPORT AND THE RELATED ACCOUNTS. AT THIS POINT I NOTICED A NUMBER OF MISINFORMATION AND ASSOCIATED ACCOUNTS THAT WERE FRADULENT. SINCE THEN I HAVE MADE SEVERAL ATTEMPTS TO REACH OUT TO THE INDIVIDUAL DATA FURNISHERS, CREADITORS AND BUREAUS TO FIX THESE ISSUES BUT TO NO AVAIL WITH EXPERIAN AND XX/XX/XXXX. XX/XX/XXXXWAS ABLE TO HELP ME BY REMOVING AND DELETING THESE ERRONEOUS ACCOUNTS AND INFORMATION. THIS INFORMATION HAS COME UP BECAUSE I AM IN JEOPARDY OF BECOMING HOMELESS DUETO THE PANDEMIC AND IN THE PROCESS OF APPLYING FOR HOUSING MY CREDIT FILE INDICATED THIS ERRONEOUS INFORMATION TO MY SURPRISE AND THIS PROHIBITING ME FROM GETTING ME AND MY FAMILY HOUSED.
Product: Credit card or prepaid card

I opened an XXXX XXXX card issued by Barclays in the summer of XX/XX/XXXXin order to purchase from the XXXX XXXX and receive points for it. <P/>Unfortunately, one year later I had a housing crisis and called Barclays to enter this credit card into the Financial Hardship Program. The account was closed, my interest rate and minimum payments were lowered and the late fee was waived. I successfully completed the program in one year and began making regular payments until I paid the entire balance a few months ago. <P/>However, when I started shopping around for a refinance on my student loans, I noticed that I was getting denied due to " excessive late payments. '' I pulled my credit reports and noticed that Barclays listed this closed account as 30 days late for six consecutive months ( XX/XX/XXXX XX/XX/XXXX) after I entered it into the hardship program. <P/>If I had known that my account was going to be marked late, despite paying on time on the same day for an entire year and AFTER enrolling in the hardship program, then I would n't have joined a " hardship program. '' I 've disputed with XXXX, XXXX and XXXX multiple times - online and in writing - as well as directly with Barclays. They keep saying that the reporting is correct despite the documents and payment statements ( all directly debited and accounted for from my account ) the contradicts their assertion. <P/>I 've asked them to correct my account status or explain how they 've come to their conclusion, but they refuse to do the first and refuse to explain the latter. <P/>This account has been closed for over a year and the balance has been paid in full, so I have no interest in acquiring a Barclays card or co-branded card after the run-around I 've received from them.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to file a formal complaint regarding the persistent reporting of late open accounts on my credit report, which is maintained by 3 Credit Bureaus. Despite repeated attempts to correct this inaccuracy, these late open accounts continue to adversely impact my credit history and financial standing.

I have diligently followed the necessary procedures to dispute these inaccuracies with your bureau and have provided all required documentation to support the veracity of my claims. However, to my frustration, these late open accounts persist on my credit report, causing me undue hardship. 

I have taken the following steps in an effort to address this issue : I have contacted the creditors associated with these late open accounts to dispute the inaccuracies and request their removal from my credit report. Unfortunately, my efforts have not resulted in a correction. 

I have submitted written disputes through your bureau, attaching all relevant documentation to substantiate the inaccuracy of these late open accounts. 
The presence of these late open accounts on my credit report has a detrimental effect on my credit score and financial opportunities. It is imperative that this matter is resolved promptly to ensure the accuracy and fairness of my credit report.

I kindly request the following actions to address this issue : Conduct a thorough investigation into the late open accounts erroneously reported on my credit file, verifying their accuracy and timeliness.

Coordinate with the relevant creditors to correct this error by promptly updating my credit file to accurately reflect the opening dates of these accounts. 

Provide me with written confirmation of the correction within the exact timeframe from the date of this letter. 

Implement enhanced quality control measures to prevent the recurrence of such errors in the future, ensuring the accuracy of credit reporting. 

I understand the critical importance of accurate credit reporting in the financial lives of individuals and trust that your bureau upholds the highest standards of integrity and precision in this regard. 

I request a response to this letter within the exact timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and escalate this matter to relevant regulatory authorities. I am asking for your assistance to correct the following late open accounts 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: Payday loan, title loan, personal loan, or advance loan

My problem started when I disputed a transaction with XXXX because I had not received a product from a Paypal Pay in XXXX plan. XXXX disputed the transactions and I had ultimately resolved the problem with the seller after receiving the product. 

In an effort to return the funds to Paypal, I withdrew the disputes from XXXX. Paypal then received funds for {$61.00}, and {$61.00} x XXXX from the reversed and withdrawn disputed charges. Paypal is claiming that they never received the funds. Ultimately, to avoid going to collections, I paid the total " missing '' balance off with another credit card for {$180.00}. Meaning that I have paid for Paypal 's pay in 4 plan twice ( XXXX x XXXX ) with both my XXXX XXXX and XXXX credit card. 

I have been contacting both XXXX and Paypal in an effort to retrieve those lost funds and both merchants are blaming each other saying that the other 's bank has it and vice versa. Paypal 's team recently told me to submit activity statements to XXXX to show proof of the payment failure but on their statements it is evident that they did receive the funds from both XXXX and XXXX. Meaning that they are refusing to credit my account. It is entirely confusing as to why Paypal would have received the funds for the initial charge and not the others, considering I had withdrawn all four disputes in a similar manner. Neither party is willing to help with any further recourse or provide solutions. So, I am out of {$180.00} that I did not have to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

While applying for a home loan I noticed an errorounous note on my credit report related to XXXX XXXXXXXX. I have never had dealings with this Company and had previously never heard of them. Upon discussion with my parents they mentioned that a note was discovered on their credit report related to XXXX XXXX in the summer of 2015 and they got the Wisconsing Attorney General 's office involved to resolve. My father and I have the same name so it is possible that I have somehow gotten roped into this through that association.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attn : Consumer reporting agency To whom may be concern, I XXXX XXXX XXXX consumer and natural person who is a victim of identity theft. XXXX, Experian, and XXXX had used and furnished my consumer report without my authorization consent or written instruction. My information was shared to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that consumer has rights to privacy which Experian, XXXX, and XXXX has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentially of my personal information. The fair credit reporting act was intended to insure that consumers reporting agencies exercise their grave responsibility with famines and respect to the consumer right of privacy! Under the Gramm Leach Bliley Act of 1999. I enclose all documents social, ID and statement.
Product: Credit reporting

Transunion deleted XXXX XXXX and XXXX. I have never heard or authorized XXXX. I have a fraud alert on my credit report. I did authorize XXXX XXXX/XXXX/16 as they called me to ask if they could use my credit report. But again, they deleted both and I received an alert from XXXX XXXX, which shows they went back and put both on my credit report on XXXX XXXX. I need for them to delete. I contacted Transunion and they refused to so anything.
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX orders from XXXX, the fast food restaurant, my order was then canceled as their own menu on their website had items they weren't serving at the time. Despite them canceling my order, me calling XXXX, who they use to deliver which called both the restaurant who did not answer and corporate who did not answer, and then submitting a request for a refund I was not refunded. I also placed a ticket via their own website asking for a refund and to date have not been refunded. I did not get my items, or anything I paid for, by no fault or choice of my own, and numerous attempts to contact XXXX have seemingly failed. I want my money now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a " pre-approved l Credit card on credit karma and was denied and my credit score got worse when I was trying to make it better because it used a hard inquirey check but if I'm " pre approved I didn't think that would have happened I noticed there's a ftc lawsuit and I would like to be a part of it
Product: Credit reporting or other personal consumer reports

Friday XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX To : Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Credit Bureau XXXX I recently XXXX XXXX copy of my credit report and noticed multiple hard inquiries that I do not recognize nor authorize. As I have not applied for credit or consented to these inquiries, I am requesting their immediate removal under the Fair Credit Reporting Act ( FCRA ). 

The inquiries in question are : Equifax Inquiries : 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 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  Reported on XX/XX/XXXX I do not recall initiating any credit applications or transactions that would justify these inquiries. Please remove these unauthorized inquiries from my credit report as soon as possible. 

Under the FCRA ( XXXX XXXX. XXXX ), a hard inquiry can only be listed on a credit report if it was initiated by the consumers request for credit. I am formally disputing these inquiries and demand that they be removed immediately. 

Thank you for your prompt attention to this matter. Please send me confirmation once the investigation and removal are complete. 

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

Dispute letter sent to Experian XX/XX/2022 to update address under Personal Information. Experian updated report XX/XX/XXXX removing the wrong address and listing old information I requested and to be removed earlier this year.
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 : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX : Balance : {$6500.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX : Balance : {$1400.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$350.00} Account Name : XXXX : Account Number XXXX XXXX : Balance : {$240.00} Account Name : XXXX : Account Number : XXXX : Balance : {$630.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1800.00} Account Name : XXXX XXXX : Account Number:XXXX : Balance : {$1200.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

In the Summer I requested a rescind of recession on my car loan. CarMax declined, but I also sent more letters and never gotten a response back. In my package that I sent with my letter of recession was Affidavit of truth, and a Cease and Deceit letter. They are not honoring my letter and keep reporting to XXXX, XXXX, and XXXX. I am not asking for the retail installment Contract, but I am asking for the Agreement that set for the security interest in place, that I agreed too. I am also asking back my security deposit. According to U.S.C. 15 section 1605 my finance charge was included in the insurance and was in the total of all transaction. CarMax also violated 5 U.S. Code 552a my personal information was given without my permission. I am requesting my Agreement of security interest, not retail installment, my down payment, and Cease and Deceit of reporting to any third party bureau 's.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it from a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$9500.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XX/XX/2023. XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHOICE RECOVERY INC add a collection ( medical ) on my credit reports. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on this account.

Show me the you are licensed to collect in my state.

Provide me with your license numbers and Registered Agent or Agent of Service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian completed their investigation of a bankruptcy dispute on XX/XX/2023. According to the results, Experian claimed that " The company that reported the record has certified to Experian that the account is reporting accurate ''. I have attached a copy of the completed investigation. In accordance with the FCRA 611 ( a ) ( 6 ) ( b ) ( iii ) and 15 USC 1681i ( b ) ( ii ) ( iii ) which states upon request by the consumer the credit report agency ( Experian ) shall provide the business name and address of any furnisher of the information. In accordance with the FCRA 611 ( a ) ( 7 ), The Consumer reporting agency has 15 days to provide this information or delete it. As of XX/XX/2023, this record has not been deleted from my consumer report. I have attached a copy of the letter sent to Experian. Experian has not responded to this request and has refused to provide me the information requested. I have also attached the signed certified receipt in which is proof that Experian received this notice on XX/XX/2023. I am requesting in accordance the deletion of this record and a sum of no less than {$100.00}, no more than {$1000.00} as stated in 15 USC 1681n.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX Bank of America XX/XX/XXXX MV Rented from XXXX XXXX in XXXX Alaska scaffolding  XXXX paying in full the rental for a XXXX weeks, {$56.00} Visa ending XXXX. 
A couple of days later I return the scaffolding Charge appears on XXXX XXXX XX/XX/XXXX. XXXX Statement for {$56.00}, Transaction date XX/XX/XXXX. REF # XXXX XXXX / XXXX statement No charge XXXX XXXX Charge {$100.00} XX/XX/XXXX # XXXX {$100.00} XX/XX/XXXX # XXXX XXXX XXXX {$100.00} XXXX XXXX # XXXX XXXX XXXX {$100.00} XXXX XXXX # XXXX XXXX XXXX {$100.00} XXXX XXXX # XXXX TOTAL {$510.00} XX/XX/XXXX. Phone Bank of America to report those unauthorized charges. 
XX/XX/XXXX. Received a letter from Bank of America a claim # XXXX crediting me {$510.00} and explaining the process done by the bank while researching my claim XX/XX/XXXX. Received my new card. 
During the month of XXXX, I called during various day five different phone numbers requesting some information about my claim. 
I wasted countless hours on hold as long as 90 minutes, every time I got transfer to several departments and of course the robots answering my calls were horrendous and not programmed to address my needs. 
XXXX statement Bank of America charged me {$510.00} XX/XX/XXXX. XXXX I received a second denial letter for my claim, ( Quote ) based on the documentation provided by the merchant confirming that I received the merchandise or service. 
I called the phone # written on the denial letter to request the document provided by the merchant justifying B of A to deny my claim. It was the same nightmare as before with no results in sight. 
XX/XX/XXXX I finally spoke with XXXX at XXXX XXXX XXXX XXXX who transfer me to XXXX who told me that my file is empty, she couldnt see any documentation provided by the merchant. 

Now we are in XXXX and I havent received any document in spite of having being assured by several staff that they would send them to me. 

Thanks. 



XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not initiate or authorize any of the following companies to run my credit resulting in the hard inquiries below. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Debt collection

I have a credit report monitoring service through XXXX and noticed a collection item on my credit report with Sequium Assett for {$1500.00} from XX/XX/2021. I know they are pursing a debt for another company, possibly XXXX XXXX XXXX, but I have no idea what this is regarding. I do not have an account with XXXX XXXX XXXX. I already disputed through XXXX, contacted Sequium via email, and contacted the XXXX. If I had any outstanding amounts owed, would they not have sent me a bill/invoice/collection notice via mail. I have received nothing to date.
Product: Mortgage

I refinanced my mortgage at the same time, unfortunately, my mortgage was sold from XXXX to Mr. Cooper ( of course without my consent, as these things go ). As a result of this refinance, I'm owed around {$3000.00} of what was left in my escrow and other assorted pre-payments. I closed on the refinance on XX/XX/XXXX and I still have not received this money in any form. 

I have called Mr. Cooper XXXX to resolve this issue. Each time I call, their automated phone service makes it nearly impossible to reach a human being and regularly hangs up on you while you are trying to reach a human being. The first time I called, when I eventually reached a human being, they told me enough business days had not yet passed due to the holidays, but that I should receive my escrow reimbursement by XX/XX/XXXX. That date of course came and passed, and I had not received the checks. I called again on XX/XX/XXXX, struggled to reach a human being, eventually did and was told that there were XXXX checks issued, XXXX of which had been posted on XX/XX/XXXX and the last one posted on XX/XX/XXXX. I should have received them already, she said, but she encouraged me to give it XXXX more week. 

A week passed, checks not here. I call again on XX/XX/XXXX, now almost 2 months after my losing date. I insist that these checks that are floating around in the mail for over a month now be canceled immediately and that new checks be overnighted to me, or at minimum be able to be tracked through the mail. They tell me that's not possible. Unfortunately, the only option would be to stop pay ( which would take 5 days to process ) and then re-send the checks in the mail ( once again, without any tracking ), which the alleged would take XXXX business days to reach me. I escalated the issue to a XXXX, she reiterated the same option, as well as sending a request to stop pay and reissue payment via wire transfer, which would take about a week in total. 

So, in conclusion : my mortgage was sold without my consent to an incapable, unorganized company ; I have been owed about $ XXXX of MY OWN MONEY for 2 months now ; checks for nearly $ XXXX have been LOST in the mail ; Mr. Cooper claims to have no way of tracking checks they send in the mail or issuing overnight payments ; and I have spent probably XXXX hours on the phone with these people trying to resolve a relatively simple problem. This is all absurd and an exploitation of consumers.