23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received an unrecognized charge on my account on XX/XX/XXXX. I called to report the charge on my Barclaycard CashForward card. They investigated the charge and determined it was a " chip read '' card present transaction. It was billed as a hauling and towing service located in XXXX XXXX. I had made no such charge in XXXX. I was not in XXXX on XX/XX/XXXX or, for that matter, since XX/XX/XXXX. They were not able to provide receipt copies or other information pertaining to the charge. I have no record of making a charge for any such towing or hauling services either in XXXX or in my home state of XXXX where I was on XX/XX/XXXX. They closed the investigation and determined it was my responsibility. Neither Barclay nor MasterCard appear to have any responsibililty for providing evidence that a charge is legitimate. I take efforts to manage my credit carefully and now am placed in a position of paying for a charge that I have no record of making or face derogatory reports on my credit history if I choose not to pay it. Unacceptable. Merchants and the bank processors need to have responsibility in verifying charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called Equifax to remove inquiries that I did not authorize. I ask to speak with a US Representative. I was connected to a US.representative and as she was confirming the inquiries which inquiries needed to be removed the call got disconnected. I called back and was connected to different US Representative.  I explained to him what happened and how the previous US  was in process of removing the unauthorized inquiries that were reporting on my credit report. He told me that he was not able to delete or dispute inquires.  I explained to him that the previous representative was in the process of deleting my unauthorized inquiries and how is it that the  previous US Representative I was speaking to could delete inquires but he wasn't able to.  The US Representative was very rude and didn't care to help me address this issue.  He stated that I could not be connected to the previous US Representative.  There is a total of of 15 inquiries from XX/XX/XXXX-XX/XX/XXXX from car loan places and financial loan companies in which I did not authorize to pull my credit. •	XXXX XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX XXXX XXXX ( XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)•	XXXX XXXX (XX/XX/XXXX)
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury I am alleging that a person or company without my authorization use my social security number and my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of the hard inquiries below so I want that these must be removed as soon as possible. List of unauthorized inquiries : XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX and XXXX more EXPERIAN Inquired on XX/XX/XXXX and XXXX more EXPERIAN Inquired on XX/XX/XXXX and XXXX more EXPERIAN Inquired on XX/XX/XXXX and XXXX more EXPERIAN Inquired on XX/XX/XXXX EXPERIAN Inquired on XX/XX/XXXX EXPERIAN XXXX Inquired on XX/XX/XXXX and XXXX more EXPERIAN XXXX Inquired on XX/XX/XXXX and XXXX more EXPERIAN XXXX IDENTITY Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a year ago, Experian lowered my score over XXXX points in one day. After a lifetime of having a credit score over XXXX. Last month I paid off over 90 % of my ccard debt and they raised my score 1 solitary point. I did in fact contact them and they feigned ignorance and said they dont control this. 
However their published scoring system for me says that my lowest segment of my credit score is in fact on credit card debt! I scored good/ very good or excellent in all areas. The one place I dont is in amount of new debt, which amazingly Wxperian is marketing the XXXX out of me to participate in. They email me all day long to take out new loans to consolidate debt on my {$9600.00} in ccard debt which I no longer have! So they are actually not monitoring my debt as they are supposed to be doing, enticing me to take out more debt which would actually lower my credit score below an already falsely deflated number. A number which they are keeping at a low enough number to effect my tea borrowing power. 
I want them sanctioned and fined. I am a XXXX XXXXXXXX XXXX XXXX and am keenly aware of the financial ramifications of these actions. This is truly criminal activity.
Product: Credit card

They scammed me into applying for their credit card and when approved, they did not give me what they promised.
Product: Credit reporting or other personal consumer reports

I was going through a financial XXXX and I have several charge off that I never received a 1099 cancellation of debt from and I am requesting that they be removed because of the inaccuracies.
Product: Credit card or prepaid card

On XX/XX/2020, I paid off the balance of my Bank of America credit card. On XX/XX/2020, they took an extra payment out thus showing a balance owed back to myself. I called on XX/XX/XXXX, and spoke to a representative to process a reimbursement for the overpayment. I was told it would take 5-7 business days for reimbursement. I called again when I realized that they took interest charges out of the overpayment and was told that the payment was in process and we should see the amount paid back by Friday XXXX. On XX/XX/2020, I was told that the process has been approved just yesterday for refund and can take 21 days to be returned. This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX signed up for auto pay and received a confirmation text to confirm my request was received XXXX XXXX received text to confirm that my mortgage was received with conf. # XXXX XXXX XXXX received a letter in the mail saying our mortgage was past due and not paid for XXXX. Immediately submitted another payment as customer service was closed due to it being a weekend day. 

XXXX XXXX received confirmation text saying payment was received with conf. # XXXX - Called NewRez customer service to discuss what had happened. Person we spoke with said that the payment did not clear when it was attempted to be taken out on XXXX due to bank routing error. Representative assured me that other payment we just made did clear and we WERE NOT late as it was only day XXXX and payments past 30 days were late according to their policy. I specifically asked about credit reporting. She said that it WOULD NOT be reported to the credit bureau as again it was not 30 days late. 

XXXX XXXX text saying mortgage payment received with confirmation # XXXX XXXX XXXX alert from my credit app that my mortgage was reported at past 30 days late. Immediately filed a dispute with NewRez. 

XXXX XXXX text saying that my reoccurring payment was received but not confirmation #. Called NewRez to look into the credit dispute. They claim no issues and they are accurate.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, WA XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance XXXX : {$9900.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle in XX/XX/XXXX from a car lot and less than a year later my loan was sold without my knowledge to another company. I have never signed papers with this company and had no knowledge of the sale until they called me saying I was delinquent. I also had never had the title to the vehicle in question as the original car lot requested that it be sent back to them. So I requested an address and payment information as well as the title from the new company and started making payments. I never did receive the title. Later in XX/XX/XXXX the vehicle in question was stolen. I filed a police report and called AC AUTO LLC to inform them. I also advised them that I would continue working with police to find the vehicle but after it was located I would be doing a voluntary repossession to give them the vehicle back. The vehicle was found in XX/XX/XXXX and I was notified. I retrieved my belongings from the vehicle and called AC AUTO LLC to retrieve their vehicle. I was then called two days later from the tow company that the car was indeed retrieved by AC AUTO LLC. Almost two years later Ac AUTO LLC reported the vehicle to collections in the amount of {$5500.00}. I fought this account as non accurate and it was removed from my credit. On XX/XX/XXXX another collection named XXXX XXXX XXXX showed up on my report for the same vehicle. I contacted the collection agency denying the debt and asked for all information about the original collector. All the collection agency would tell me was that it was from AC AUTO LLC and it was over the XXXX  in question. Not only is it on the same vehicle that I do not have possession of, and haven't for many years, but the collection agency has 're aged ' the debt to reflect original debt from XX/XX/XXXX. This is inaccurate and I believe this is in violation of the Fair Credit Reporting Act. I ask that this account be immediately purged from my credit as well as the collection agency flagged. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX Acct number : XXXX Manager : XXXX XXXX XXXX XXXX XXXX XXXX Black vin- XXXX I have also forwarded a copy of the police report to the collection agency as proof that the information is incorrect as well as the case number for the criminal that pled guilty to the theft, was convicted, and is now in DOC for said theft. 
I have not been able to get into contact with the original debtor due to no listing for their business anymore. I have not found an address, phone number, email, fax, nor a matching name while trying to get into contact with AC AUTO LLC.
Product: Debt collection

HSBC Bank USA sent me a letter offering to charge-off and settle my account. I paid them the requested {$2900.00} and the check was cashed before the expiration date of the offer. I have now been turned over to a debt collection agency ( XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX, I became aware of a delingquency that was shown on the XXXX credit card account. I contacted the credit union and discussed the issue. I had not received a statement, nor did I receive a notice that the payment was late. They looked into the issue and found that they sent the statement and notices to an address that we had lived at 10 years earlier. They had no explanation as to why that occurred. I immediately paid the outstanding amount. They agreed that the problem was due to their error and sent notices to each of the reporting agencies telling them the problem was on their end and the past due indication should be removed. The other reporting agencies changed the report, but TransUnion did not. I've filed multiple disputes with TransUnion with no results. I again spoke to the credit union representive and she assured me they sent the change to TransUnion. She again said she would send another one which has also been ignored. She also indicated that this is not abnormal for TransUnion. When she has a problem with a reporting agency, it is them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  shows two late payments in XXXX. Account was paid in full and closed in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This installment loan is appearing on all three of my credit bureau reports as a charged off, negative account. It shows that the account was opened on or around XX/XX/2018. 

This account belongs to my ex-spouse, whose name is also XXXX XXXX. I have disputed this item through the credit bureaus ; however, XXXX  continues to falsely verify that this account belongs to me and refuses to remove it from my credit report. 

Moreover, this is a predatory lending institution that charges astronomical interest charges that accrue daily, and after looking at their terms and conditions, they have grossly misrepresented their product and are preying on unsuspecting victims with their hidden fees and deceptive advertising practices. 

I also continue to receive daily collection calls from XXXX, despite the fact that I have revoked my express consent to receive any communication from this organization. I have countless voicemails and receive up to 10 collection calls per day from XXXX, despite me telling them I want my number removed and that I revoke my express consent and that this account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report that I did not authorize. The hard inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) also (XX/XX/XXXX ), ( XX/XX/XXXX ), and ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX ( XX/XX/XXXX ). They are all unauthorized hard inquiries. I have contacted all credit bureaus to get the inquiries removed but they have yet to be removed from my credit report. I was told that there was nothing that could be done by one agent at transunion. I simply want these inquiries removed from my credit report with all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on USD/XXXX  partial account numbers ****XXXX-XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am the one creating this complaint. 
XXXX Submitted to the CFPB on XX/XX/2022 XXXX XXXX Account number XXXX. You stated, " we are in the process of contacting the data furnisher ( s ) / public record vendor ( s ) to verify the accuracy of the information with which you disagree. '' Why are YOU contacting the furnisher if you are the one doing the violation of furnishing my personal information without my consent and furnishing information that should be excluded?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is attempt # 3 that includes new and updated information regarding the improper use of my credit report. I have reviewed the original alleged contract and have found several discrepancies that include some of the following : 1 ) XXXX XXXX XXXX  does not have written or verbal consent to report to any consumer reporting agencies. This is a violation of my privacy. 18 U.S. Code 1028A ( a ) ( 1 ) 2 ) XXXX illegally and knowingly collected a down payment amount of XXXX while also collecting financing for the alleged contract agreement. 15 U.S. Code 1605 ( a ) 3 ) Reporting my account as " paid by insurance '' on my credit file as ANY mention of me having insurance is in violation of 15 U.S. Code 1681a ( i ) ( 2 ) 4 ) The alleged contract agreement has several financial discrepancies which includes miscalculation of total charges and payment amounts. 

I am attaching the portion of the phone conversation where the XXXX representative made a motion to resolve this issue. I am requesting the following remedies : 1 ) deletion of this credit account from all of my credit files. 

2 ) a letter confirming the deletion of this account from all credit reporting agencies. 

3 ) Reimbursement of fees which shall include the down payment, late payment fees, recalculation of accurate finance charge, and any fees to remedy for pain and suffering. 
-Two separate payments must be provided to account for the illegal and predatory acts taken against my wife and myself.
Product: Credit card

I got a invation from capital one bank to apply for a quick silver card I have excellent credit with them an a spark card I have never missed a payment or been late I pay early XXXX times a month. I applied for quick silver an was approved had finally got my score up high enough to do so. Open the account on the XXXX of XXXX they closed it on the XXXX of XXXX. I have not even received the card till XXXX XXXX. An on XXXX XXXX  got a letter that I have not followed rules with a platinum card that I never had. They said a gym membership had been bought an online streaming purchase I have not had platinum card with them so I called. A specialist said that the platinum card had been ruled fraud. So then they try an say I was authorized user on a platinum card back in XXXX  I was not but the thing is they said charges was to a platinum card that was ruled fraud. I had nothing to do with either of these issues oh ya the card holder from XXXX was desist. They then reported this to credit berous an I lost 30 points off my score it took me 6 years to get my score above 650 it was 679 when they did this I did nothing wrong I had no perpitacition in either issue an they won't fix it they said oh I'm sorry there's nothing I can do to help you. I can not believe this bull it. Is everybody in America out trying to scam someone please help me this destoried my credit my business my life I did nothing to deserve this I'm I innocent of these charges thank you XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Westlake Portfolio and Byte regarding inaccurate reporting of late payments on my account.

I purchased a product from Byte, but I was only provided with half of the agreed-upon product or service. Despite several attempts to resolve this issue directly with Byte, they have failed to deliver the full product as promised. In addition to this, Westlake Portfolio, acting on behalf of Byte, has been reporting late payments to my credit report.

I have reached out to both Byte and Westlake Portfolio to dispute the late payment reporting, as I believe it is unjust given that Byte has not fulfilled their part of the contract. Unfortunately, they have refused to work with me to resolve this issue, nor have they taken any steps to rectify the incomplete product or remove the inaccurate late payments from my credit report.

I am seeking your assistance in resolving this matter and having the inaccurate late payment information removed from my credit report, as well as ensuring Byte delivers the full product as per our agreement.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I was sick with XXXX, in XXXX and XXXX of XXXX. I called and set up a payment arrangement with XXXX XXXX in XXXX, but still received notices about my missed payment, so I called back in XXXX. I set up a payment arrangement on the two credit card accounts I have with them, on XX/XX/XXXX. As part of the arrangement, an auto draft was supposed to have been set up on my account. I called and spoke with a Representative at XXXX XXXX, today, and was advised that they do not have record of me being late or being assessed any late fees from XX/XX/XXXX forward, however, my credit report reflects late payments from XX/XX/XXXX through XXXX of XXXX. I advised of this, and was instructed to dispute the late payments with the credit bureaus.
Product: Payday loan, title loan, personal loan, or advance loan

was sent an letter in mail stating that it was an notification of lawsuit and civil complaint from a law firm in XXXX fl but im in texas
Product: Credit card or prepaid card

They closed my accounts with out my permission After making payments on time I had automatic payments for over 5 years Trying to payoff the remaining balances and CITIBANK HAS REFUSED TO MAKE CONTACT