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

XXXX XXXX XXXX, XX/XX/XXXX {$10000.00} reported as correct. No investigation XXXX XXXX XXXXXX/XX/XXXX {$1100.00} Reported as correct XXXX XXXX XXXX accounts {$650.00}, {$420.00} Reported as correct XXXX XXXX {$18000.00} XXXX XXXX Reporting negative with no balance and shows current XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reinstate my credit at capital one I make payment well above the minimum more than twice the same month. A payment from capital one bank checking to capital one visa credit card was rejected. Account was funded and no reason to decline and or close account. This was during COVID and during times of financial hardship. 

XXXX trade line had for 3 years and 10 months and the charge ridiculous fees and membership fees. 

XXXX XXXX closed my grandfathered account and holds my secured card that should be eligible for upgrade and hasnt upgraded. I had an auto loan with wells and that was paid off and well kept that should account for something positive in my credit line.
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed 2 transactions made using my EDD debit card. Someone had stolen my wallet and phone out of my car while I was camping. I immediately reported the theft to the bank and disputed the 2 withdraws that occured just days before. I told them my wallet had been stolen and that the two withdraws were not made by me and were fraudulent. They denied my claim 8 days later and then lied to me on the phone and said it had been sent to another investigator and that it quote " was looking good '' I called back the next day, the XXXX and thats when I found out they had denied my claim and were not investigating it further and that it had been denied on the XXXX.
Product: Credit card or prepaid card

CFPB, On XX/XX/XXXX, I used my Afterpay credit to purchase three XXXX XXXX tickets from a travel agent called XXXX XXXX. I paid a total of {$620.00} USD for the three XXXX XXXX tickets after XXXX XXXX advertised that carryon luggage was included in the price. After receiving the ticket details, I found out that carryon luggage was not included in the tickets that I purchased. The tickets I purchased for {$620.00} only included free personal items luggage and carryon luggage was going to be a separate price. 

After the travel agent refused to provide me with a refund, I said submitted a consumer complaint to the US Department of Transportation and opened dispute XXXX with my credit card company ( XXXX ) on XX/XX/XXXX. XXXX closed dispute XXXX on XX/XX/XXXX and advised that I work with the travel agent to resolve the issue. 

On XX/XX/XXXX, without any communication about the type of refund I would be issued and the impact that a ticket cancellation would have on me financially, XXXX XXXX cancelled the three XXXX XXXX tickets I purchased for {$620.00}, and only gave me {$210.00} in airline credit. I reached out to XXXX XXXX to get my remaining {$400.00} in refund but the company hasnt responded to my inquiry. XXXX will not assist me with obtaining a refund from XXXX XXXX. 

After being scammed out of {$400.00} by XXXX XXXX, I checked their social media presence and found customers complaining about losing as much as thousands of dollars. 

Thank you, Customer
Product: Debt collection

First an old roommate got a call on HIS cell phone asking for me. Then they gave him personal info about me, asking if he collected my mail. He said sometimes. They were screaming, threatening, and then hung up. Then a few weeks later, they came to his door and gave him a few papers with a bill for me ( XXXX XXXX XXXX ) on it, and small claims info, but with no date. Not in an envelope.I, XXXX, never got personally served, and have been recently homeless. I was living at the given address on this document prior to event. I can be reached at email and phone number on this form. Later, at that address, XXXX bills for different amounts came, but from a person Ray Klein, dba another collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have reached out too each company stating that I have no knowledge of these inquires on my credit. Each company stated that they have no knowledge of these accounts on their end and that I should contact the credit bureau for further assistance. I have no knowledge of these inquires they are fraudulent and i would like them removed immidiately from my credit. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

i have not used this credit card (XX/XX/XXXX) since last year. i made all my payments right in time, but this people sent me a statement and a balance ( {$220.00} ) with late fee charges for all the year.I called this credit card but this people don't understand they only want money. I lost my job, i can't even go shopping. This people is crazy
Product: Student loan

I have previously filed complaints on this issue but the lender refuses to respond. My student loans are serviced through American education services ( AES ) but my actual lender is National Collegiate Trust who has no phone number available to the public and only a mailing address and they refuse to respond to correspondence. I am in need of a lower payment and i have begged this people at AES to assist me with my account both totaling to over XXXX $ per month and i still have other loans i pay with other companies like XXXX. My issue is the AES and NCT wont communicate or work with me. i am now delinquent because my payments keep increasing and i cant keep up. i would like to pay but can not due to the outrageous amount. I asked NCT to provide proof i owe them and they supplied me with a loan promissory note from a girl with a totally different name than mine, they sent me all her personal information so i can only assume they are giving my information out as well. The biggest issue is this companies buys debt and then you are unable to get in touch with the company and just told to pay whatever they say. can you help me get proof that they ( NCT ) even own my loan and if so get them to make my payment more reasonable because i cant afford this at all.
Product: Debt collection

I am writing in reference to the account with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, TX XXXX, which you claim I owe. Pursuant to XXXX XXXX. XXXX ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease all communication with me regarding this debt. 

This request includes, but is not limited to, communication by phone, email, or mail at my home, workplace, or any other location. Please note that this request is made in accordance with my rights under federal law. 

Additionally, I request that you not contact any third parties in relation to this matter unless permitted by law. 

Be advised that failure to comply with this request XXXX result in legal action against your company for violations of the FDCPA. I expect written confirmation that you have received and will honor this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax my.Equifax.com doesnt properly work and they are STEALING money from me monthly. Their customer service agents are TERRIBLE. They make it extremely difficult to get the assistance you need as a consumer. I have been waiting for over 3 months to get a refund back and they still havent provided me my funds back. The site hasnt worked properly for me since I have signed up with Equifax. Paying {$27.00} for a product that doesnt work as expected and is stealing. I havent been able to properly unlock my credit report for over a month. I opened case XXXX and then I was told 3-5 business days for it to be fixed. I called after that window on today and I sat on the phone over an HOUR trying to get help with this issue. This is the most awful experience I have had and Equifax should be ashamed of themselves stealing from consumers and not taking their customers serious. Equifax clearly doesnt value the customers you shouldnt have to authenticate XXXX times before getting assistance. You have to authenticate through the phone system, then when you get on the phone with an agent you have to give your social security number, name, address, DOB, Phone number, email address. Then you have to answer XXXX questions on your credit report and they STILL want you to send in your license even AFTER it has been sent in the last 30 days. This is absolutely awful and you STILL cant get the help you need. Also, the credit report doesnt update daily as it says it does on the site. Which is false advertisement I want my money back IMMEDIATELY for EVERY MONTH OF SERVICE I HAVE PAID FOR THIS TERRIBLE service.
Product: Debt collection

This company calls multiple times a day, from several different numbers. Calls so far today, XXXX XXXX and XXXX XXXX. Yesterday, XXXX XXXX and XXXX. Friday XX/XX/XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I did a promotional balance transfer to XXXX AMEX  I want to say in XXXX or XXXX. The expiration on said promotion ended XX/XX/XXXX. I have also recent purchases on same card. I've been making payments for years on current purchases however never once did they apply any said payments to balance transfer. Fast forward to XX/XX/XXXX I decided to call XXXX AMEX and pay entire amount of promotional balance transfer before expiration was helped promptly and thought everything handled. Then statements were released and they applied the entire {$4000.00} to entire balance which went to recent purchases and knocked off only {$15.00} bucks of balance transfer so therefore to collect higher interest! I have proof that they never once applied any payments to balance transfer then all of a sudden when I call to pay entire balance transfer they only apply XXXX dollars on it? Makes no sense. Tried to escalate by phone and gave me run around
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting wrong information on my credit report regarding XXXX account and XXXX XXXXXXXX XXXX XXXX card.
Product: Debt collection

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate.
Product: Student loan

I have paid my loans by sending in checks. These have been cashed by  Navient  and cleared my bank account. However, Navient never actually applied them to my account, thus making my account past due for months. I finally checked my old student email to find these notifications from them. I called and spoke with  two  different people. They said they could help, tried making me go into forebearance ; but that is not what needed to happen : they needed to reconcile my account with the funds I had paid.   I reiterated that multiple times, sent them my bank account print out via postal mail ( they would not accept electronic ), and they STILL put me into forebearanxe WITHOUT MY REQUEST.   I have paid my bills, and yet they reported me past due on my credit. This is unprofessional and unacceptable.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 

I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations. 

Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction. 

Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the XXXX character format fielded XXXX statements, pay status codes, alpha-/ XXXX and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal XXXX ( XXXX ) portioned personal identifiers, and even the unabbreviated XXXX pieces of confirmation to collect. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Name of Alleged Creditor : Item Complaint Details : You are reporting inaccurate and/or incomplete, unproven, NON-COMPLIANT ACCOUNT INFORMATION. Immediately Delete this Unverified Account. If not, please provide physical proof of verification, along with the requested items within the full context of this correspondence. 

INQUIRIES TO BE REMOVED : XXXX XXXX XXXX - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX XXXX - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

XXXX XXXX XXXX - XX/XX/XXXX - Why haven't you provided me with proof that this inquiry is reporting inaccurately on my report? 

PERSONAL INFORMATION INCORRECT : Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX, XXXX - The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX, XXXX, XXXX, XXXX - The personal data reporting is inaccurate.
Product: Debt collection

Again, someone stoled my identity and opened this account in my name without my permission. State Farm needs to remove and block this account on my XXXX credit report immediately.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

This is a re-submission of the original complaint below because this company responded to my complaint with a response to someone else 's complaint, XXXX XXXX ( attached ). I have never defaulted on an account, made a late payment, left a debt on an account or otherwise caused a loss to Chase. Chase should be a little more careful with its customers ' data. I also returned the call placed on XX/XX/18 of the Chase representative assigned to this from the Office of the President,  XXXX, as she was away from her phone, but I never got a call back. The last 4 of my SSN are XXXX. Thank you. 

I am submitting this complaint because this bank is continuing to deny my applications, this time one for a checking account, three years after shutting down a single XXXX XXXX credit card because of too many inquiries. Since this, I also tried to open a XXXX XXXX card and received the denial reason of " Previous unsatisfactory relationship with bank ''. I understand their concerns then since my credit file was a little thin and new but clearly today is different with a > XXXX credit score. I  have never defaulted on a loan or even ever been late with a payment and have thus clearly demonstrated being a good credit risk, at least for a checking account. I opened this account because of the convenience of a branch to my home. I am kindly asking for this to be reconsidered due to the time that has passed and also it being based on actions I didn't even know were a problem. I am submitting this request through the CFPB because it is the only effective way to reach the Office of the President. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. * On Equifax : *XXXX   XXXX/XXXX  XXXX XXXX, * Credit Bureau Service ( XXXX ) XX/XX/2019. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a  corrected credit report within 30 days. Sincerely, XXXX XXXX
Product: Credit card

There are hard inquiries listed on my credit report in the attached report. These inquiries was not authorized by me and they are impacted my credit scored and have lowered my score by XXXX points which seriously impacting my life financially. 

Dates of HARD inquiries on XXXX Credit Bureaus XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have disputed several unauthorized & unverified items that appeared on my credit report. I also stated the dates that these unauthorized items had been applied for below I will list the dates as well as the companies of the unauthorized items. 

American Express : XX/XX/XXXX American Express : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX.
Product: Vehicle loan or lease

I XXXX XXXX XXXX, have payed off the vehicle loan with Navy Federal Credit Union ( NFCU ) and they have reported to the credit bureaus that I've made late payments. This information is incorrect and they refuse to fix it.
Product: Mortgage

I was in the middle of a loan modification with Wells Fargo Mortgage and aftersubmitting the same documents over and over they dropped the loan modificationand set a foreclosure of the property. I got a copy of a appraisal of my property, without being told it was being done, along with a letter saying the loan modificationdocuments will be sent separately. The next notification was from their foreclosureattorney with a sale date of XXXX/XXXX/2015. I called the representative and she calledback 2 days later saying submit the same documents again. I sent them on XXXX someone from the re entry team called verifying my details. I called the nextday only to hear I am within the 7 day period of the sale date and they wouldn'thelp. I had got a letter from them a month ago saying I was approved for a shortsale that they claim I requested it. I called the lady whos name was on the letterand she said it went out without her knowledge. I was luckily enough to get themoney together to hire an attorney. I got a letter today XXXX/XXXX/2015, dated XXXX the sale date is XXXX/XXXX/2015, which is the first time I received a writtennotification of a change in my loan status. Please advise me of my options as therehas to be multiple violations. I originally had to get the XXXX department involvedto stop the same situation in XXXX 2015.
Product: Debt collection

XX/XX/2019 tax refund was garnished to offset a student loan debt. I was never notified of this in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

My TJMaxx Credit Card by Synchrony Bank was closed by the bank because they claimed that I didn't use my card in 12 months. We are in the mist of a global pandemic with stores/businesses being closed down for months to control the spread of the Covid 19 virus and this bank instead of accommodating the current global situation and providing solutions instead penalizes its customers by closing their accounts. When I used this account I paid it in full and have a good credit reporting. There was no reason why they needed to close the account without even previously notifying me that they were contemplating closing my account. When banks close your credit cards that affects your overall credit rating and your ability to obtain credit at a fair interest rate. When they closed my account on XX/XX/2021 my credit rate dropped 33 points. 
Their policy of 12 months inactivity should have taken into account the global pandemic and the lock-downs for both businesses and consumers. 
If they felt they needed to close my account for inactivity after that they should have notify me in advance that this was a possibility and given me the fair chance to use my card in order to retain my credit card and not affect/impact my credit ratings.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue ares fairly simple : 1. Ashmer Collection agency made an inquiry of my credit report on XX/XX/2021. yet, i never received their calls or their letter. if i did i would have settled this debt period. MORE IMPORTANTLY, ONE OF MY PHONE NUMBER LISTED ON CREDIT REPORT IS VERY MUCH ACTIVE, ALL THEY HAD TO DO IS CALL ME. SINCE THEY WANT TO GROW THEIR XXXX NOSE AND SNOOP INTO MY CREDIT REPORT. 

2. i found out about them on the day of them placing collection account on my credit report on XX/XX/XXXX. I called them and they confirmed they sold my account to XXXX XXXX XXXX at XXXX, XXXX. 

3. XXXX XXXX confirmed they received and own my account on XX/XX/2021. 

4. Meanwhile, Ashmer Collection Service- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AL XXXX. XXXX reported my account in collection. XXXX, XXXX XX/XX/2021 , XXXX XX/XX/2021. 

5. i filed dispute because they violated the law by not sending me any communication to attempt to settle the debt FIRST! i clearly argued the fact they didn't follow the steps of communicating with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 States that I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer Reporting agency can not Furnish A account without my written Instructions.

15 USC 1666B : A creditor May not treat a payment On a credit card account Under an open end consumer credit Plan as late For purpose.