23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

These inquiries were not initiated by me and are highly suspicious. I implore you to conduct a detailed investigation and remove them immediately from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is posting charge off since XXXX for one account then again in XXXX for credit cards I DID NOT OPEN. I sent letters asking for a 1089 c form or deletion since they charged these two accounts off or delete them from my credit report. XXXX XXXX should not keep sending to all credit bureaus that they have been charging these accounts off for over two years.
Product: Mortgage

The company literally makes it impossible to reach a representative. They send you into circular phone menus, end the call by telling you that you called the wrong number to solve your issue, and then provide the same phone number you dialed. 

Asking the system verbally to talk to a representative or pressing XXXX  ' repeatedly accomplishes nothing. 

This company clearly has phone systems designed to make it impossible to reach a representative to solve your issue. The phone menus do not come close to providing options for a matter such as I had regarding insurance policy management. 

This company seems to have engineered a system to show disrespect and disregard for its customers. It imposes significant costs on its customers, who must spend inordinate amounts of time interacting with its systems, which seem designed to thwart a customer from reaching a person who may solve a problem, ostensibly saving them the costs of such interactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT Over the past 12 months I have contacted Equifax and told them that the information that they have that I have lived at apartment XXXX in XXXX XXXX Nevada is false and that I neve lived in an Apartment in addition the same company that keeps telling Equifax that I lived in this apartment is XXXX  who inadittion says that I last made a payment to them in 2019. Well not only did I never live in an apartment that had an a unit number of XXXX but I never made any payments to XXXX  no do I have a loan with XXXX, In addition XXXX keeps telling Equifax that I own property in XXXX XXXX and that they have a mortgage on it. I do not own any property in XXXX XXXX. 5 times equifax has asked XXXX  to provide proof that I own property in XXXX XXXX and Proof that I ever lived in an apartment that had a unit number of XXXX In addition I asked Equifax 5 times to get proof from XXXX  that I sent them any payments especially proof that the last payment I sent XXXX  was in 2019. Today XXXX  has sent no proof to Equifax, and this was verified by equifax to me that XXXX  has not sent any proof to XXXX  that I ever lived in XXXX XXXX at an apartment listed with a unit number of XXXX, proof of any payments I ever sent to XXXX, proof the last payment XXXX  recived from me was in 2019, Proof of that 2019 payment, and Proof from XXXX  that I own any property in XXXX XXXX. ; 5 time already I requested equifax to get this information from XXXX  and 5 times Equifax says they tried to obtain this information from XXXX  and it was not provided. YET its Equifax who refuses to delete this information from my credit report and has cause my FICO score to be XXXX points lower than XXXX XXXX FICO score. Its is Equifax who is responsible and liable if XXXX has not provided Equifax the proof and Equifax has not sent me the proof from XXXX ( XXXX XXXX XXXX ) then by law, Equifax must remove the XXXX  derogatory harming information from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$57.00} XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$540.00} USDOE/XXXX XXXX {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed an account that should not be there as it is information that is supposed to be excluded in a credit report, pursuant to 15 USC 1681a ( 2 ) ( B ) which states : ( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device So XXXX XXXX of XXXX has violated this law as they did not disclose this information to me and US Bank ( the lien holder ) is equally culpable for participating in this experience so I demand the deletion of this account from all consumer reporting agencies.
Product: Debt collection

I received a dunning letter from a XXXX part debt collector. I attempted to get validation of debt from them by sending XXXX letters to them. I did not receive a satisfactory response. I then sent them an estoppel letter. ( see attached ). 

This debt collector unbeknownst to me filed an action in XXXX XXXX XXXX courthouse acting as if they were representing Bank of America, this was fraud on the court. 

I just discovered a default judgement was entered in XXXX XXXX XXXX XXXX for a debt that was discharged in my wife 's bankruptcy in 2013 as evidenced by her credit report. 

These XXXX party debt collectors are posing as attorney 's representing Bank of America, when in fact they are nothing but interlopers that purchased this old debt for pennies on the dollar and are now attempting to collect the entire amount. 

I was not properly served by a sheriff as required and as a result a default judgement was entered.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, you are reporting unverified accounts on my credit profile. By continuing to do so they are in violation of 15 U.S.C. 1681. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 the credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. 

I have sent multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) of the accounts that you are reporting on my credit report in the form of disputes. Every one of my requests has been ignored. Your company 's continued ignoring of my multiple requests for proof of verification ( copy of the original consumer contract with my signature on it ) has and is hindering my ability to obtain credit. 

My most recent request for proof of verification of the unverified accounts was sent out on the XX/XX/2020. 

I am simply requesting that the credit reporting agencies properly verifiy accounts they are reporting on my credit profile and send me proof of verification or simply delete them, which they have ignored those requests time and time again so I am reaching out to you and asking for your assistance in this situation. 

Thanks in advance.
Product: Checking or savings account

Chime today, without warning, sent me an email, informing me that they decided to close my account, without a reason. There was no advanced notice and immediately had no access to my account or funds -- which is all the money I have. I called support and spoke with a supervisor, who also could not provide me a reason why my account closed, and that they would wend me a paper check in approximately 30 business days. Furthermore, all of my direct deposits are linked to this account, and are scheduled to be disbursed this Friday, and they had no clue how I could redirect these funds or what would happen to them. Chime has taken away all of my money and not provided a way to expeditiously retrieve them -- all without prior notice or cause. They've jeopardized my ability to buy food, pay for housing, and my entire livelihood, all in error. This is unacceptable and an egregiously irresponsible business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting an incorrect account, incorrect account number, a missing field of 81- month payment history, an inaccurate date of last activity, an inaccurate date of high credit, an inaccurate date of credit limit, an inaccurate actual payment amount, an inaccurate date of last activity, an inaccurate activity description, an inaccurate date of last update an inaccurate description of month reviewed. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

these items must completely deleted according to inaccurate and incomplete reporting under the fair credit reporting act
Product: Credit reporting or other personal consumer reports

I'm submitting a personal complaint about late payments on my credit record. After examining my records, I've discovered these late payment entries. I sent letters about this issue more than a month ago, but haven't received any response or adequate validation. I'm now requesting your help to resolve this matter quickly and effectively.
Product: Debt collection

I sent a police report to XXXX in XX/XX/2018 XX/XX/2018 XX/XX/2018 stating my identity was stolen 3 collections from Simon agency I asked them for my identity proof of my I'd, social security card, the bill etc to prove that its mine and they cant prove Along with XXXX XXXX I dont know what that account is I asked for verification of validity for that as well no proof I need those items removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. After doing research, Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed now. The inaccurate information is preventing me from getting approved for the things I need to have and causing me to pay higher than necessary interest rates. My information was also impacted by the equifax data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve the issues with my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX is showing that I owe {$240.00} to Elan Financial, causing the credit rating to drop XXXX points. 
I filed a dispute, and my credit score went back to normal, only to fall back down XXXX points again when Elan Financial reported the original information as correct. 

On XXXX, the account was paid in FULL. ( {$240.00} ) On XXXX Elan Financial reported that I was in debt for {$240.00} I took a XXXX pint hit I filed a dispute with both XXXX and BBB On XXXX I was notified by the XXXX that Elan Financial would respond in writing, On XXXX XXXX updated my report XXXX pint increase. The {$240.00} was taken off my report. 
On XXXX XXXX updated my report showed a XXXX point decrease, and the {$240.00} owed was back on my report. 
On XXXX I filed another dispute with XXXX over the phone, and have to mail my evidence that it was paid. 
As of XXXX I have not received a response from Elan Financial.
Product: Credit reporting or other personal consumer reports

Experian stopped updating my XXXX credit card from XX/XX/XXXX to XX/XX/XXXX. One section of the Experian app showed the card INCORRECTLY at 25 % of capacity while another part showed it CORRECTLY at 7 %. 

I filed a dispute with Experian specifically telling them to please correct the card to 7 %, AND PROVIDED A SCREENSHOT with the card 's correct balance and date. 

A few days later, Experian removed the card entirely, and now my Experian credit rating has fallen even further! 

What kind of XXXX UNEDUCATED 'XXXX XXXX sees a screenshot showing at card at 7 % and decides to remove the XXXX card entirely from the user 's profile? 

Honestly, no wonder the U.S. has a $ XXXX debt and a bunch of unemployable XXXX  America is doomed. 'XXXX
Product: Credit card or prepaid card

I have a line of credit with Upgrade Card. My credit limit is {$4000.00}. My balance is {$3900.00}. My interest rate is 29.49 %. My first payment due was {$170.00}. I made a {$170.00} payment on XX/XX/XXXX which has yet to have been applied to my account. When I called the company I was told that {$160.00} of the {$170.00} was applied to interest. 

If my interest rate is 29.49 % then with a balance of {$3900.00} that would mean my monthly interest rate would be about {$98.00}. None of the payment I made has been credited to my acct. I still have a balance of {$3900.00}. The only credits my acct has received is a {$1.00} rewards payment on XX/XX/XXXX and a {$4.00} rewards payment credit XX/XX/XXXX The company stated, when I called XX/XX/XXXX XXXX am CST, that they would forward my concerns to customer advocacy who would reply to me within 2 business days. I never received call and a credit still has not been applied to my account. 

Since my first payment was made the monthly payment ( after I made a complaint ) has increased by {$10.00} from {$170.00} to {$180.00} even though my balance hasnt changed because they never credited my account with the initial payment that was made.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I purchased a vehicle fro. XXXX XXXX XXXX in XXXX Texas on XX/XX/2020. I paid the XXXX $ down payment and signed a finance contract. 

XXXX came to make my payment and the finance company, Southern Cascades Fiance,  has decided to deny the contract and make me resubmit everything once again. 

I resigned another contract 2 weeks ago and now again, Southern Cascades Fiance, is  demanding more paystubs and documents related to my loan and threatening to come take my car.
Product: Credit reporting or other personal consumer reports

I cant understand why inaccurate accounts are suddenly appearing on my credit report. Ive been careful about monitoring it, and this has never happened before. I tried everything, even refreshing my browser, thinking it was a mistake, but the discrepancies didnt go away. I feel so helpless. Please double-check the documents Ive sentI just want to put this nightmare behind me.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX - i opened a loan with discover to pay off this loan at a lower rate. They mailed payment to Citibank on XX/XX/XXXX. On XX/XX/XXXX, the check was cashed but not credited to my account. I have called at least 15 times and they have been able to resolve. On XX/XX/XXXX a rep told me that it would be cleared in 5 days that it was been located. On XX/XX/XXXX I speak to another rep and they said I need to wait 5-7 more days and the good thing is that they found it. 

This is affecting me because it messes up my XXXX, my available credit and i'm short funds because Citibank is still charging me. 

When I asked to make a complaint they said they can't. 

All I want is my account credited.
Product: Student loan

I have XXXX children who are both enrolled full time in college. XXXX is in her XXXX  year and the other is in his XXXX  year. I apply for a Parent Plus loan every semester with deferment. I was assigned to Aidvantage as my servicer. Even though I am not yet at the end of deferment, I have already had XXXX major problems that have caused me many hours of work to get Aidvantage to fix them. XXXX, Aidvantage reported to my credit that I did not pay my loan payments on time even though my children were in deferment and I had not been issued a bill. That took me several months to get them to correct their error. Secondly, I received a bill just recently for repayment when my children are both still in deferment. Aidvantage is difficult to work with, hard to reach a person with any ability to help and is prone to error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and spoken with XXXX, XXXX, and XXXX several times about removing a bankruptcy on my file ref # XXXX closed on XXXX/XXXX/XXXX. According to the new law passed about tax records and liens this bankruptcy does not fit the criteria. I have spoken with XXXX XXXX at the Bankruptcy XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, LA at XXXX where she stated they absolutely do not verify those public records. I have also contacted XXXX XXXX and they said back saying nothing on my file had been requested for verification. After several, several attempts to work out the reporting of this discrepancy, XXXX removed the bankrupcy but put it back on and XXXX and Experian did n't budge has refused to budge and continues to report this on my file.
Product: Debt collection

i reached out to Kinum collection agency regarding music and arts about a debt owed for XXXX for a clarinet on XX/XX/XXXX, that was opened up an account on XX/XX/XXXX from XXXX in XXXX XXXX sc XXXX located at XXXX XXXX XXXX I returned this clarinet on XXXX XXXX and I was unaware of this reporting on my credit until I pulled my report I have made numerous of attempts to reach XXXX XXXX   and have been unsuccessful so today I reached out to XXXX XXXX XXXX at XXXX and spoke to XXXX she informed me to contact kinum bc they couldn't assist me and they now have the collections so I called and was told that they have been reaching out to XXXX  to confirm this debt and have been unsuccessful also I need this removed from my credit file if it cant be confirmed and a updated report sent to me I am in the process of purchasing a home and this is corrupting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX. The List of accounts below have violated my federally protected. consumer rights to privacy and confidentially under USC1681 account # XXXX XXXX XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights 15 USC 1681 section 602 A States I have privacy. 15 USC 1681 section 604 A section 2 It also states a consumer reporting can not furnish a account without my written instructions. 15USC 1681c a section states no consumer reporting agency may make any consumer report containing any the following items of information. any other adverse item of information other than records of convictions of these crimes which antedates the report more than seven years 15 USC s 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: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$4500.00}, XXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$1100.00}, XXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$3400.00}, XXXX XXXX  on XX/XX/XXXX under the account number XXXX with a balance of {$3700.00}, an medical bill account opened at XXXX XXXX  XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$620.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.