23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/2018 XXXX XXXX Sale {$1600.00} I was purchased XXXX $ of goods through a distributor. It turns out that the goods were counterfeit and basically I was scammed. I have contacted my bank multiple times through the phone, through fax, I sent a letter with a tracking number. I was told that they can not dispute the charge because it has been past 90 days. The reason why it went over 90 days, to begin with, is that of the banks ' negligence and rebilling me for the transaction. The representative filed a dispute with the wrong reason code. I am trying to get this error corrected but the bank refuses to work with me. They also closed my account over this issue because once I was rebilled I went over my credit limit and therefore they called me a liability for something that was never my fault to begin with. My credit score took a major hit because of it.
Product: Credit reporting or other personal consumer reports

My right to privacy has been violated by Experian, Pursuant to the Fair Credit Reporting Act 15 USC 1681. Section 602 states my consumer report does NOT include reports containing information solely as to transactions or experiences between person and consumer. I did not give authorization to release private information and damage my financial reputation. These alleged negative accounts Experian reported are false and inaccurate as it has not, and can not be validated with my wet signature. 15 USC 1611 states not only is reporting false or inaccurate information unlawful, but so is failing to clearly disclose all information to me as a customer. 
It has also come to my attention this company was involved in a data breach. My personal information needs to be Private and close communications of valid accounts to be reported only!
Product: Credit reporting or other personal consumer reports

i tried to request my credit report for transunion but thay have not been help full at all in the phone or web
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a two part complaint ... one the credit reporting agencies such as XXXX XXXX, XXXX XXXX are reporting short credit history which is not showing the positive paid off credit history that should be on record at least 7 years. Improper reporting of employment and reporting higher scores than a mortgage lender. OnXX/XX/XXXX scores reporting XXXX  XXXX, trans union XXXX, XXXX XXXX. Just after a 20 pt drop from ( XX/XX/XXXX part 2 complaint ) The mortgage company showed scores based on their scoring model as XXXX, XXXX, transunion XXXX, XXXX XXXX. I was stunned and shocked how completely different this was which you know what happens to people who are trying to buy a home. Not a very good outcome. I worked very hard with little positive information reported to my credit score ... now onto part two. Last yearXX/XX/XXXX ' created a hospital debt over medical..the remaining balance was {$1400.00}. This was sent into collectionsXX/XX/XXXX and reported to XXXX. I started making payment beginning XX/XX/XXXX to XX/XX/XXXX ( now paid off ) since I made a payment it was reported again and dropped score over 20 pts transunion reported onXX/XX/XXXX score XXXX  a few days before my wife and I were to meet a mortgage lender needless to say this was the most stressful time to watch everything fall apart.
Product: Credit reporting or other personal consumer reports

Hard injuries reporting that I do not recognize - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - XXXX  TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted multiple complaints that have been closed but not satisfied satisfactory. Please dig deeper and more seriously into this to satisfactory resolve my issue. My issue is again ; MY COMPLAINT XXXX XXXX XXXX OpenedXX/XX/XXXX {$170.00} Original creditor : XXXX XXXX XXXX I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of XX/XX/XXXX <P/>Please reference attached documents again. Case # XXXX CLOSED, BUT NOT SATISFIED Case # XXXX CLOSED, BUT NOT SATISFIED Confirmation # XXXX This matter has been cleared and satisfied with my XXXX  Credit Report but not on my EQUIFAX Credit Report. Please assist, or force assistance in cleaning up my Equifax Credit Report regarding this FALSE information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX disputing 3 account as erroneous on ( XX/XX/2020 ) and mailed them certified mail with tracking. XXXX   received the dispute on XX/XX/2020 and I have NOT received any investigation in reference to the erroneous accounts that are effecting my credit rating.I then sent a follow-up letter on XX/XX/2020, which they received on XX/XX/2020 complaining about them violating the law by not investigating the false accounts that are reporting inaccurately on my reports. To date, XX/XX/2020 they have not updated my reports reflecting my current disputes even though they received them. I want to also make a note that i contacted all of the Creditors directly to request a verification and have NOT heard any response from them as well, Except XXXX XXXX who removed the inaccurate account. I want to make it known that this is my final attempt to resolve this matter amicably before I pursue legal action against XXXX, XXXX XXXX XXXX, and Cedar Business Service, LLC for non compliance with the law, damages for emotional and physical distress, statutory damages, and attorney fees and court cost.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  says they are looking into and correcting issues on credit report but yet never do. All they do is either put an update that says client disputes item or they dont make any changes. If the collections agency or lender says the item is correct, they just leave it on there.  XXXX   XXXX  is a collection agency. I have talked to them several times and explained that I have paid debt off with credit card company. Then, they send me a copy of my last bill with   XXXX   and say it is still valid. i Had   XXXX  c redit cards with  XXXX   XXXX   (   XXXX    was formerly  XXXX  ) and I had difficulty paying them in   XX/XX/XXXX - XX/XX/XXXX   and stopped paying them. Las t  XX/XX/XXXX , I  called  XXXX   XXXX  and paid off all of the debts. They had sold it to  XXXX   XXXX . I have told them that I already paid  XXXX   XXXX  and they just sent copies of old bills. This is not doing anything since I paid them off last year. I want them reviewed from my credit report. Additionally, it is already reflected from  XXXX   XXXX  that payments were late and charged off but they were settled. This a double negative report on my credit bureau. They also sold the debt to  XXXX  and other collection agencies for the same amount of money. They also need to be corrected and removed  XXXX  also refused to take off  XXXX   XXXX  and  XXXX   XXXX  collection agency. They just update that I dispute info. This is not a valid collection and needs to be removed. I dont want it to just say updated.    XXXX   XXXX   XXXX   XXXX -  XXXX   accounts. They were paid off completely and in full. THey are not charged off.    XXXX   XXXX -They did not verify it belongs to me.  XXXX   XXXX  is saying it is my debt and it is not. They have a judgement against me too and I am working with attorney to have vacated and this removed from credit report. I want to know what steps they take to verify.     So all these inquiries need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that a change was made to my Equifax credit report, upon checking I noticed there was a negative debt added on XXXX XXXX, 2017, to my credit report. I requested information from the credit bureau ( Equifax ) and submitted a dispute. I received an email from Equifax two weeks later stating an investigation was completed and they determined the debt belonged to me. I requested information they used to determine their investigation but I was told they would n't provide investigation details. <P/>I contacted the collection agency who submitted the debt to Equifax to request proof that the debt belonged to me. The information I received from the collection agency clearly states a different social security number, address, phone number, marital status, ethnic status, etc. Everything reported ( with the exception of my name ) was completely different. Equifax, the credit bureau did not conduct a thorough investigation and is listed this debt on my report despite that fact that all of the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these INQUIRIES. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bureaus is repo rting a bill of {$5000.00} as unpaid by me. The Superior Court of the State of California,  XXXX   XXXX , ordered in my divorce that the bill be paid by my former husband  XXXX   XXXX   XXXX .   I have supplied a copy of the court findings, and names and addresses of the Executor o f his Estate to the B ureaus. At that time I explained to the Bureaus that there was plenty of money to cover the debt. Th e Bureaus failed  to follow up on this information and was negligent in trying to collect the money. Therefore they should not be allowed to report it as my debt.   Respectfully  XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX the credit companies are all reporting inaccurate in my credit report. 15 US Code 1681i ( 5 ) states that removal of Inaccurate/ invalidated credit information. I have sent letters to all three credit companies and have not gotten a response in 30 days. They are reporting late payments on my credit report without my consent. 15 US Code 1681a states that this is a law, and it should be removed.
Product: Checking or savings account

I have been making transfers to and from accounts and then suddenly my funds was being held for 5 business days then 10 business days, then we i did a mobile deposit the funds was held even though the system said i could deposit up to XXXX, the check for was XXXX and i should have had immediate access to my funds and because i didnt, i had several bills and payments declined and was sent back and then i suffered many XXXX  from USAA  XXXX dollars for each occurrence, this has to constitute some kind of fraud on USAA part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXXXXXX and XXXX was no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/year>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>
Product: Money transfer, virtual currency, or money service

I want to put a deposit of {$200.00} down on a vehicle through an advertisement on XXXX XXXX  and it turns out it was a scam and the person just took my money. This occurred on XX/XX/year>.
Product: Credit reporting

It is time for my daily complaint Equifax , we should really try to get to know each other, whom ever reads my complaints. Let me know in your reply, we might be friends once Equifax stops breaking the law and fixes my credit report. Anyway, as usual, XXXX XXXX XXXX has said they have reported nothing to Equifax and I even sent you proof that in XXXX, my wife had a XXXX XXXX XXXX account changed to her married name so how can she close XXXX in XXXX in her maiden name? XXXX XXXX XXXX debt is not mine but either way, the debt was discharged in a settlement that I have sent Equifax , and lastly I have never had a XXXX account and they have also said that they have reported nothing to Equifax. These conversations happened on XXXX XXXX, why does n't the CFPB not ask for the recordings so they can catch Equifax lying?
Product: Payday loan, title loan, or personal loan

on XX/XX/29 company withdrew {$610.00} from my bank account without authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to the XXXX Account Number : XXXX listed on my Experian credit report. I have contacted Experian several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance, and the reportability of the listing. I do not consent to E-Oscar or any means of automated verification. 
Failure to resp satisfactorily within 30 days of receipt of this notification may result in a small claims action. In the absence of any such documentation I formally request that this information be immediately deleted from my credit file.
Product: Credit reporting or other personal consumer reports

I received two emails from XXXX on Friday, XX/XX/XXXX, that stated I had two credit card inquiry on my credit report. I signed on to my XXXX account and noticed two hard inquiries from JPMCB back and XXXX XXXX XXXXXXXX. I did not apply or attempt to open any new credit cards. I called XXXX on Saturday, XX/XX/XXXX and was told to call back on Monday since there fraud department is closed on weekends. I Called XXXX on Monday, XX/XX/XXXX, they advised me to file a report on the FTC website, as well as, call both creditors, JPMCB and XXXX XXXX XXXXXXXX.
Product: Credit card

On XX/XX/XXXX my Chase credit card was closed by bank, after two weeks I received a letter with explanation. However, explanation was very generic ( " account wasn't used as intended '' - which is not true ) and didn't provide me any exact details why my account was closed, so I do not have understanding what I did wrong. I was a customer with chase since XXXX  and didn't have any missed payments or other issues with my account, I have a good credit score, and I didn't make any transactions that should lead to account closure.
Product: Debt collection

I just received a collections letter for a card that I never applied for or used, that is apparently from back in XXXX  for a balance due now of {$5500.00}. I never graduated high school and have never had a job or income in my entire life. So don't understand how I could have gotten a card with no income or credit and be held responsible for it XXXX  years later! I do not owe this debt! I have never had or applied for a credit card in my entire life.
Product: Debt collection

I have a charge on my credit report stating I have an account in collections with Omega RMS. It shows that I owe over $ XXXX. This is a bogus charge. I called Omega RMS and they stated they do not have an account with my name on it, however it is on my credit report. I have never heard of Omega RMS prior to finding this charge on my credit report. I want it removed immediately. All of my accounts are in good standing and I have nothing in collections. I have no supporting documents because I have no account/experience with Omega RMS.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I believe we need to remove any erroneous accounts from my credit report. Can you review the documents? Some of the accounts listed have incorrect reporting, amounts, and dates.
Product: Mortgage

I got behind on my mortgage regarding varies situations, I then requested a modification, I summited all the information requested and was told that I did not make enough money and because I have equity I should liquidate, I summited the amount of income {$4100.00} per month and debt/expenses {$3200.00}. I 've had my home for 13 years and do not wish to lose or sell my home. my interest is at 6 %, I have just been XXXX in my home which will increase my income and I have eliminated some of my expenses. I moving in the right direction, but I feel that PNC have not giving me a fair assessment on their reasoning for denying the modification states that I make {$3100.00} which is incorrect. I welcome your opinion and any assistance in this matter. Thank you
Product: Checking or savings account

XX/XX/XXXX at XXXX I made a purchase from XXXX I was charged XXXX twice. This has been an ongoing issue with my account making duplicate transactions, Ive contacted them serval times and nothing has been done to stop this fraudulent activity. This is considered a violation against the fair credit billing act of XXXX.
Product: Credit card or prepaid card

So first of all I had been on payment forbearance due to California stay at home orders and could not work and was not receiving unemployment even though I qualified due to the California unemployment office being overwhelmed. I didn't receive any money for 10 months. I communicated this with Chase and offered to submit docs. I had though I was on a three month forbearance but apparently was not. When I tried to look at my acct on my app or online it showed that I didn't even have a credit card anymore. So then I received an alert on my credit report that my card had been closed and was 60 days past due. When I contacted Chase they told me they had tried to send only 1 piece of mail to which I had never received. Also I had recently moved but did forward my address right away. so when I called I had asked why no phones calls or emails were made regarding this issue. I was given a number that I had over 12 years ago. I applied for this card 2 yrs ago and clearly provided my phone number. If they had my number right I would've been contacted. Now I recently had a lawyer contact me and was never sent any other info regarding a final due notice or a settlement. I had great credit before the pandemic and have made all my other credit cards right but Chase didn't give me a chance and failed to notify me and had my wrong info. Now I'm being sued and credit is destroyed. Also the attached docs are from XXXX when the acct was open. One photo is the home app page showing no cc and the other is trying to log in online.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a grave matter concerning the deliberate and malicious actions of Credit Acceptance against my credit. As a concerned consumer, I am seeking your assistance in rectifying this unjust situation. 

XX/XX/XXXX years ago, I have asked credit acceptance to pick up my vehicle as I would do a " XXXX surrender '' as times were quite hard for me then. Despite my repeated request, they failed to do so. 

Fast forward, the car is still in possession ( After continuously asking for the car to be picked up ). Despite XXXX years of nonpayment, Credit acceptance has failed to charge off my account keeping this account open. 

I have attempted to Dispute the debts with XXXX and XXXX to no avail. 

Credit Acceptance understands that the statute of limitations to collect this debt has expired. Thus, they are keeping this account open to wreak havoc on my credit rating by reporting late payments every month since this is the only leverage, they have. 

This account is parked on my credit report Illegally. Credit acceptance failure to " Write this debt off '' by Charging this debt off may also mean that they are engaging in tax fraud. Typically, after XXXX months of nonpayment this account should have been moved to a charged off status, or even a repossession. It has not. The car has never been hidden, or even hard to access. It has simply been in my driveway. 

Failing to charge off the debt prolongs the amount of time this account should remain on my credit report. The clock has not even started yet because of their refusal to do the right thing. 

These erroneous reports have significantly damaged my XXXX XXXX, making it increasingly difficult for me to secure loans, obtain reasonable interest rates, or even pursue certain employment opportunities. 

Despite my repeated attempts to address this issue directly with credit acceptance, they have been unresponsive and unwilling to rectify their errors. It is clear that their actions are not only negligent but also potentially illegal, as they violate the Fair Credit Reporting Act and other consumer protection laws. 

I kindly request the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against credit acceptance. I also urge you to ensure that my credit report is accurately updated to reflect the true nature of my payment history. 

Furthermore, I would appreciate any guidance or assistance you can offer in resolving this dispute and restoring my credit integrity. Your prompt attention to this matter is greatly appreciated, as the ongoing damage to my credit has had severe repercussions on my financial well-being. 


Thank you for your time and attention to this urgent matter. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to ensure that the credit bureaus conduct a thorough investigation and promptly remove fraudulent accounts that were opened in my name without my consent. These accounts, confirmed as fraudulent under FTC Report XXXX XXXX, continue to be inaccurately reported on my credit file, despite my repeated requests for their deletion. 

I have formally notified the credit bureaus ( Equifax, XXXX, and XXXX ) and provided the necessary documentation, but they have not fulfilled their obligation to remove these accounts as required by the Fair Credit Reporting Act ( FCRA ). Given the known issues with credit bureaus often disregarding disputes unless sent via certified mail, I am filing this CFPB complaint to ensure a fair and lawful resolution. 

Fraudulent Accounts : XXXX XXXX XXXX, Account Number : XXXX, Balance Owed : {$290.00} XXXX Consumer, Account Number : XXXX, Balance Owed : {$23000.00} XXXX XXXX XXXX, Account Number : XXXX, Balance Owed : {$6400.00} XXXX  XXXX XXXX, Account Number : XXXX, Balance Owed : {$2900.00} I am requesting CFPBs intervention to ensure that the credit bureaus comply with FCRA guidelines and remove these fraudulent accounts from my credit report, safeguarding my creditworthiness and financial integrity.