23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Ok so i purchased a policy through all state, they were to contact my mortgage company in order to receive payment as we are not allow to make the payment directly or it will be refunded and still have to go through mortgage, I didn't receive any contact from insurance company, i was the one who contacted them when i notice collection on my credit report, so i contacted the collection company and they told me to my surprise that it was because of my insurance. I then contacted my insurance rep where he inform me it was done in error and he would pay to get it resolved as he had a XXXX and his assist never followed up with my mortgage company. I should not have to have this affect my credit when the actual insurance company didn't follow thru, i asked that this be removed from my credit report asap Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few years bank a account came onto my credit report from XXXX XXXX. Ive been tried to have it removed since. Its not mine, definitely fraud. Someone had to have stolen my identity for that account.
Product: Credit card or prepaid card

Back in 2020 I signed a purchase agreement for new appliances, and services to have all these appliances set up in my home. However they said a week after I signed an agreement that the appliances would not be connected because of covid. So I was not ok with that ; as I signed an agreement to have all services installed and working in my home. So I cancelled all appliances and services with XXXX XXXX, and they totally agree with this, and I do have a voice recording of this. However ; discover will not remove the charges, and they are harassing 's me ; and they keep on adding more charges to my account, I am so tired of these games Discover is playing, and want this issue resolved. I closed my account with discover back in 2020, and cut up my card, decided that I am done with discover as well as XXXX XXXX. I want this taken care of so I can move on.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), Privacy Act of 1974, and the Equal Credit Opportunity Act ( ECOA ). I have discovered an inaccurate, unverifiable, and unauthorized inquiry on my credit report, which is in direct violation of these federal protections. 
Specifically, this unauthorized inquiry violates the following statutes : 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 1681c ( Requirements Relating to Information Contained in Consumer Reports ) 15 U.S.C. 1681c-2 ( Blocking of Information Resulting from Identity Theft ) The presence of this inquiry on my credit report is not only unauthorized but also unverifiable, as it lacks any legitimate basis for its appearance. This inaccurate information severely impacts my creditworthiness and reputation as a federally protected consumer. 
Efforts to Resolve I have reached out to all three major credit bureausEquifax, XXXX, and XXXX regarding this matter. Despite my efforts, which include providing detailed information and requesting the removal of this unauthorized inquiry, my concerns have been ignored. The lack of response from these credit bureaus is unacceptable and exacerbates the harm caused by this inaccurate reporting. 

Impact on Creditworthiness As a result of this violation, my creditworthiness has been unfairly and negatively impacted. The presence of unauthorized inquiries can lower my credit score, thereby affecting my ability to obtain credit on favorable terms. This is a direct infringement on my rights under federal law, and it must be rectified immediately. 

Request f

or Action I am requesting that the CFPB take immediate action to investigate this matter. The unauthorized and unverifiable inquiry must be removed from my credit report, and the responsible parties must be held accountable for this violation of my consumer rights. Additionally, I reques
t that the CFPB ensures that the credit bureaus respond to my inquiries and correct my credit report to accurately reflect my credit history without the unauthorized inquiry. 
As a consumer, I rely on the protections afforded to me by federal law to ensure that my credit information is accurate and secure. The violations in this case are serious and have caused undue harm to my financial standing. I trust that the CFPB will take the necessary steps to address this issue and uphold my rights. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

The accounts listed below are all listed improperly and it is law to report accurately on consumer reports. 

XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

The following debts were sold to a collection agencies, two specifically yet still report bad debt with original creditor. All debts were paid and settled with collection agencies. 
XXXX XXXX XXXX-acct no. XXXX XXXX- acct no. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX-paid in full XXXX-acct no. XXXX
Product: Checking or savings account

In XXXX of XXXX, I contacted a company named XXXX XXXX XXXX to purchase snap on veneers through there online sales process. After agreeing to have veneers produced, I submitted two payments on two separate days totalling approximately {$1500.00}. The company had me in a cycle of creating impressions then rejecting my impressions. This went on continuously after which time I decided to discontinue process and request refund ; the company declined my request, citing Texas refund laws. However, after researching the Texas statute, this is what I came up with : Sec. 345.066. BUYER 'S RIGHT TO RESCIND CONTRACT. Until a retail seller complies with Section 345.065, a retail buyer who has not received delivery of the goods or services is entitled to : ( 1 ) rescind the contract ; ( 2 ) receive a refund of all payments made under or in contemplation of the contract ; After being denied a refund, I then notified my bank and filed a dispute in XXXX of XXXX. After some time, my bank decided in XXXX XXXX XXXX XXXX favor, thus ending my dispute claim against them. In accordance with the preceding law, I am entitled to a refund. I attempted to reopen dispute with my bank with new evidence but they declined to reopen. Please assist me with this matter as I am an unemployed XXXX XXXXXXXX veteran with limited income nowadays. Thank you. 

XXXX
Product: Checking or savings account

I first closed my account in early 2021 in which they sent me a check for the funds that were in there. The check was for higher amount that most online banks wont take sothe check expired. I have sent the bank my drivers license, social security and a copy of the original check but they still refuse to give me a replacement. That should be more than enough to verify my identity and that the original check was never cashed but i still dont have a replacement
Product: Credit reporting

After a plethora, and nearly years of arguing with Transunion, they finally accepted my multiple police reports, FBI complaints, Texas AG complaints, and FTC ID Theft document and blocked all the fraud accounts. I checked my monthly report only to find one of the most nefarious of all FRAUDULENT ACCOUNTS BEING REPORTED, XXXX XXXX WITH A BALANCE OF XXXX According to the credit reports I have saved over the years of this nightmare with Trans Union this account was blocked 9 months ago. I never received any word that it was reinserted, at this juncture its illegal for them to have done so without informing me but more egregious is the fact the account is BONA FIDE FRAUD.
Product: Credit card or prepaid card

It was a chase credit card which I do not have. I first received a statement with a XXXX amount on it. A called chase telling them I did not open an account. They told me they would close the account. Next statement I received there was {$840.00} on the account. Someone using XXXX which Ive never used. I called again and after getting a run around finally was able to file a complaint. Why after I told them it wasnt me did they reopen this card and allow it to be used?? I filed a police report and put claim through. I also received something from XXXX which I also dont have. I called them but they said Id have to go in to a branch to handle that. This is horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my current credit report and show a complete or inaccurate information listed. The creditor XXXX Account # XXXX Credit reporting history is listing inaccurate late payment for this account on XX/XX/XXXX.I have never missed a payment to this account. Please update to show credit report that account payment history was never late and remove late payments to account. Also I attempted on a number of occasions to reach out to have late payments deleted.
Product: Debt collection

Repeated calls/voicemails from ‭+1 XXXX XXXX‬ posing as debt collection company “Collection Center Inc” asking to call back at XXXX in regards to a collections.

I don’t have any collections, and appears to be a scam, I’m also on the National Do Not Call registry, so I shouldn’t be getting sales calls if that’s what this is either.
Product: Credit card

I applied for credit line increase and I was denied because the bank told me that 's I had a previous credit card back in XX/XX/2004 and I explain to bank of Americ I did n't open this card and send me a fraud packet and I never received it and I called again and they could n't find any records that I applied for credit line increase or a credit card I feel like this is n't right nor its fault I currently have the secured credit card and I made all my payments on time and early and I do n't get rewarded for my hard work and they wont increase my credit line I explain to bank of America that my credit score is XXXX and I do n't have any outstanding debts on my credit report I want a credit line increase and they refusing to do so
Product: Mortgage

We have a couple additional questions for Goldman Sachs to answer truthfully as long as Goldman Sachs answered all of the previous questions truthfully and under penalty of perjury. 
1st, Is Goldman Sachs a member of XXXX? 
2nd, Does Goldman Sachs have their own investor number? 
3rd, Does Goldman Sachs use other investor numbers for assets they purchase, such as our home that Goldman Sachs purchased from XXXX in XX/XX/2006? 
Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then XXXX times nonstop this is exhausting The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and negative account its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting or other personal consumer reports

I looked and reviewed my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX Account XXXX : # XXXX ], are not complete and accurate. 

And XXXX more thing according to XXXX XXXX XXXX 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

I have an auto loan with Ally for approximately four years. I also NEVER MISSED PAYMENT AND CAN PROVIDE PROOF. Most recently I had made a payment twice in a month only because I had the money available to me so I just made the payment at the end of the month to apply for the next month I didnt think that that would be a problem or cause my account to be delayed. The problem is they never applied the XX/XX/XXXX payment to my XXXX payment. Instead they waited for XXXX to pass and they applied my XXXX payment to XXXX so what happened to my XX/XX/XXXX payment I paid? XX/XX/XXXX is the payment for XXXX and XX/XX/XXXX was for XXXX payment they refuse to correct this and are charging me interest in late fees, claiming that Im  behind when Im not and again I can provide proof. And they also informed me that they going to report this to the credit bureaus when its not even my fault. They refuse to apply the charge to my account correctly I need outside assistance please.
Product: Vehicle loan or lease

I have enclosed a copy of my credit report with the incorrect entry highlighted for your reference. Additionally, I have included supporting documentation that proves this account is not associated with me, including [ e.g., a police report, affidavit of identity theft, or any relevant documents ].

I kindly request that you investigate this matter and remove the erroneous entry from my credit report. This incorrect information is adversely affecting my credit score and needs to be corrected as soon as possible.

Please confirm the receipt of this dispute and inform me of the resolution. If further information is needed, feel free to contact me at the above address or phone number. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Lender did not provide sufficient reasoning for the denial for a Amazon Prime Rewards Visa Signature Card. Have 800+ credit score with no delinquencies. All verification and supplemental documents were submitted. I feel that I have been discriminated against by the lending office, as the experience was completely different while at the local branch. The creditor CHASE JPMC is in violation of ECOA 1002.9, for denial reasons other than incompleteness and vague in its statement, as the denial notice does not contain specific reasons.
Product: Debt collection

A credit card was opened in my name in 2018 with the wrong address. I am being garnished for XXXX. I contacted my HR to find that Midland funding llc is collecting this money off of a fraudulent acct.
Product: Mortgage

XXXX scores carry too much weight and are there methods are hidden. 
The government should publish the XXXX formulas!!!
Product: Debt collection

I have a personal loan at One Main Financial that I was 14 days late on the payment. They have called my cell phone 3 times a day, everyday, since the first late day. Today they called my employeer. Because I work at a casino and do not have phone access on the job, they must speak to a security officer, who then must leave his post, find me, have me taken to an office, and then relay the message. This happened a year ago when I was late with a payment and I told One Main Financial that they were not to contact me at work. Obviously, they still do. Furthermore, they will call from their office and employee cell phones, as if they are trying to conceal who is calling me, but I have all the numbers saved on my call records from my cell phone carrier.
Product: Debt collection

It's been almost 6 years for a XXXX  debt! I have no idea what it's even about. 

Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to your report. The collection agency is ELEVATE RECOVERIES LLC. The original creditor was XXXX  XXXX XXXX XXXX XXXX XXXX. ( it opened XX/XX/XXXX, NOT XXXX! ) One bill is for {$2300.00} Second bill is for {$290.00} I don't even know how they get those numbers, it's ridiculous. How can a XXXX  bill follow me around for almost 6 years now?! I originally thought maybe this was XXXX  for XXXXXXXX XXXX XXXX XXXX, but that was in XXXX, not XXXX, and that bill was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax breach, I decided to put a freeze on my credit with all three agencies. I was easily able to do so with XXXX and XXXX, but Equifax 's site kept crashing on me. I tried six times, but it would always freeze up and then tell me that it was unable to complete my request at this time and to try again later. So a few days ago I tried again, and apparently there is already a freeze on my account ( and believe me, I 've never even heard of putting a freeze on my account before this breach, so it could n't have been something I did previously )! But I have no PIN number because I was not the one who put the freeze on it! What am I supposed to do? I tried contacting Equifax to no avail, also sent a XXXX message. If an appropriate freeze was put on my account, they should have sent me a PIN number- so I do n't know if someone else already put the freeze on my account and has the PIN number! What do I do? I 'm really freaked out!
Product: Credit reporting, credit repair services, or other personal consumer reports

Identify theft from XXXX from my taxes, a stolen wallet and more recently the XXXX data breach. As a mother and wife trying to provide better for my family this has been beyond frustrating because I havent been able to help my husband with limited and inaccuracies in my credit file.
Product: Debt collection

This company Rose Associates keeps calling my number after I told them continuously I 'm not the person they are looking for. A female in charge gets on the phone and keeps saying who is the debt for mam. I 'm like a XXXX, that 's who they keep saying. She says she cant do nothing with removing my phone number cause they do n't look it up that way. I told her she is harassing me and this needs to stop. This is upsetting and needs to stop. They are contacting the wrong person and refuse to stop. They should be out of a job!!!!!
Product: Credit card

Requested a transfer of credit card debt from XXXX XXXX to Barclays in XXXX for the amount of XXXX. Barclays transferred the debt but XXXX XXXX debt never went down to XXXX. Currently I have been disputing with Barclays to eliminate the transfer because it seems they did not transfer the debt from the correct account. That keep on refusing. It has been 4 months.
Product: Credit reporting or other personal consumer reports

This account was charged off on, ( XXXX. ) Since then this account has repeatedly been updated as chargeoff every month. There is an update in the payment history. A chargeoff account should NOT include an active payment history. This inaccurate information falsely manipulate the stature of limitations. You failed to investigate this account properly and your negligence has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I pulled my credit report from experian and XXXX and equifax and noticed that the balance of my car loan with XXXX XXXX had not been updated since XX/XX/2023. I called XXXX XXXX and asked why are have they not updated the balance on my car loan with them since XXXX of XXXX I asked them to please update the info with the correct balance as I am trying to buy a home. I was told that I needed to send a email to them to dispute the balance which I did. I have sent a email every month since the balance was updated in XX/XX/2023 when I filed a complaint with cfpb but has not been updated since. I reached out to them XXXX XXXX and was given the same information to send a email and I have not received a response or a update to my credit report. I have attached a screenshot of the balance on my loan with XXXX XXXX and a copy of my current credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection was reported to Equifax credit bureau by XXXX XXXX XXXX in error. I called the collection agency and the agreed to delete the wrong data with all credit bureau. I have a letter directly from XXXX XXXX XXXX confirming account to be deleted I disputed the account with Equifax three times using the letter. All three time the investigation results came back stating account has been verified as accurate. I even tried calling the dispute department but they told me the system can not authenticate me as a caller, even after I gave them scanned my drivers license and a self picture. 

I'm attaching the letter from the collections agency showing they requested account to be deleted.
Product: Credit card or prepaid card

I live in XXXX, California and on XX/XX/2022, while visiting my XXXX old father in XXXX, I stopped at the XXXX XXXX in XXXX XXXX , California, store # XXXX, XXXX XXXX XXXX to buy a wallet. I used my XXXX XXXX to purchase the wallet. The clerk at checkout asked me if I wanted a rewards card, but without my knowledge, she signed me up for a Sychrony Bank credit card. I was not given any paperwork indicating that I was being signed up for a credit card, just told that it would be coming in the mail. It wasn't until I received the credit card today XX/XX/2022 and my credit report took a XXXX point negative credit hit that I realized I'd be misled. I called the credit card company and the only thing they did was to cancel the card, but I need my positive credit restored. 

After the conversation ended, I tried to calle Synchrony Bank to speak with a person who could contact the three credit bureaus to restore my credit, but was not given any access to a human being. I have already frozen my credit at XXXX but the damage has been done. 

I called the store on XX/XX/2022 and spoke with XXXX and told her what happened but she there was nothing she could do. I never opened the credit card, speaking with XXXX in Synchrony 's offshore offices on XX/XX/2022, confirmation number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I dont know who this person is but I didnt authorize anyone to run my credit report or open a new account.