23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid memberships to XXXX XXXX XXXX and transunion. When I look at the factors effecting my score there are two items on the negative side that are wrong but they refuse to fix them because they say they do n't know how to fix them. The first item is on both my XXXX & transunion reports. In the negative factors it always says " recent late payment '' " time since late payment 1 month ago. Is says this constantly all the time for the last 3 year. XXXX & transunion are my lowest scores. The second item is on XXXX under negative factors it says " I have made heavy use of my revolving credit '' my debt to credit ratio is 19 %. This exact same item is listed as a positive on transunion and XXXX. So how can that be. A third problem with XXXX is every time I pay down or off a balance my score will go up on transunion & XXXX but my score goes down 25 to 35 points on XXXX for the exact same positive item. Every time I speak with XXXX or XXXX XXXX they put the blame on one another and nothing ever gets resolved
Product: Checking or savings account

A counterfeit check for the amount of {$5500.00} was cashed from my checking account on XX/XX/2021. I did not notice till XX/XX/XXXX due the disruptions caused by COVID. When I finally reached a representative at the Regions Bank Priority Banking Services it was XX/XX/2021. The representative explained the process and told me to fill out the claim form that he would email within 24 hours. He clearly stated when I asked him that I was within the timeframe to file the claim and that I should not worry. 

I filled out the form ( which was sent again on XX/XX/XXXX in a different format ( Regions Check Fraud eSign system ), talked to the branch manager ( XXXX XXXX ) who told me not to worry that the money would be back in my account, and signed the electronic form and sent it by XX/XX/XXXX. 

I had not heard from the fraud department so I called today and a supervisor ( XXXX ) told me that the claim had been denied because I had filed it after the 30 days from the day of the counterfeit check being cashed. This was not the information I was given by three other Regions Bank representatives. 

The fraud with the counterfeit check was done by someone who knew about my checking account at Regions Bank- and that would be someone working at the Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to Car dealer with a preapproval letter/lender in which i told them that i wanted to exclusively use, they ended up running multiple inquries ...? when they were not suppose to!!! I had a total of 7 inquiries!! Deceptive practice! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have repeatedly contacted this company via e-mail in order to pay a debt placed by XXXX XXXX XXXX. Once I determined that I owed the debt, since the original bill they sent me was unclear, I contacted them on XXXX/XXXX/2015 requesting that if I pay the debt in full that they remove the account from my credit bureau. When I did n't hear back from them, I contacted them again on XXXX/XXXX/2015 by e-mail. Again, when I did n't hear from them, I contacted them on XXXX/XXXX/2015 with a final request. In this request, I stated if they did not address my request that I would need to turn the problem over to the Consumer Financial Protection Bureau and the XXXX. This should be an easy request to address. Moreover, they should feel fortunate that I am paying this to begin with, because the physician at XXXX XXXX XXXX is overbilling me considering the services he provided. He saw me for about XXXX minutes, did n't run correct tests, and sent me away with medication that did n't even work for my problem. The hospital initially billed by insurance provider almost {$500.00} for his services, and they state I owe about {$250.00} of it despite paying my {$300.00} deductible at the time of service. The total bill was well over $ 3k. And when they billed me, they did n't even bill me correctly. They stated it was for XXXX services rather than physician services, which lead me to believe I had already paid the bill with the deductible. When they finally cleared it up, they placed it with a collection agency before I had the opportunity to pay it and failed to send me notification that stated they were going to place it with an agency. Then, when the collection agency initially billed me, they stated it was for the ER visit rather than disclosing the physician 's visit. Confusing to say the least.
Product: Checking or savings account

Capital one has not placed my deposit in my account has no eta and is no longer answering the phone
Product: Debt collection

When I moved from a house to an apartment, I overlooked a bill from the house, and XXXX called me. I moved into my apartment in XXXX, yet paid the bill in XXXX of 2013, in two payments of {$180.00} to XXXX. All of a sudden, within the last year, I am getting hit on my credit for whatever this {$320.00} amount is from Enhanced Recovery XXXX, who say they are collecting from XXXX. I am still with XXXX, and have been for over 15 years. I have called XXXX and they said I do n't what this debt is from ERC, and told me I do n't owe them anything, nor have they reported anything to ERC. So, someone sold Enhanced Recovery XXXX a lie, or they are bogously reporting this to get $ $ $ from me. I have told them over and over through many, letters that I DO NOT OWE THIS AMOUNT!!! They have NOT provided the proper information proving that I owe this debt, because I guess they do n't think the rules apply to them, but they keep sending me canned letters, and have once again, brought my credit score down again, reporting it as a new debt. I would pay it, if I owed it, but I do not. Seriously rediculous and frustrating, and these people are crooked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft and after checking over my credit report with all 3 bureaus I have noticed inquiries that I am not familiar with. I have submitted letters to XXXX, TransUnion, and XXXX, as well as to each of the creditors to try and get the inquiries removed because I did not authorize my reports to be pulled. I believe they may be a result of my identity being used by someone else. I have placed fraud alerts on my reports. I am now in the process of cleaning up my reports and taking the proper actions to try and get everything resolved. These are the inquiries I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX university was found guilty in XXXXXXXX XXXX XXXXXXXX XXXX defense suit and all federal loans were discharged, removed from my credit file. I contacted Navient in XX/XX/year> for a discharge loan app for the persona loans associated with this school, I received the application, sent it in with all the documentation for borrower defense and was denied. The reason they said was loans were paid to me. The loans were paid to XXXX by me. I borrowed $ XXXX and now owe them $ XXXX and I want this forgiven as misconduct borrower defense was approved. Navient sold my loans to XXXX in XX/XX/year> and they have not provided any information on when/how to get these loans paid in full and removed from my credit file.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXXXXXX : XXXX, XXXX XXXX : XXXX, Current : XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX : XXXX, XXXX XXXX XXXXhas violated my rights. 
I looked at my Experian credit report on XX/XX/2024 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

I needed ADA compliant mats for a mini golf business I was trying to open with my husband. 
I purchased mats advertised as ADA compliant with my Discover card from http : XXXX We installed per their instructions The mats were declared not ADA compliant by the city I live in and we were not permitted to open our business. We were unable to open our business because we had no money left to purchase new mats. We had to sell everything we had purchased for an enormous loss. 
We sent the mats back ( XXXX  organized shipment to and from our store ). We asked for a refund. XXXX said they do not give refunds and we should have checked with this city before purchasing. They offered a 50 % restocking fee We disputed the charge with Discover. Discover said the charge was valid because we had signed approving the charge, despite the fact that what we were told we were purchasing ( ADA compliant mats ) is NOT what we received. 
Per my Discover credit card agreement, I tried to start arbitrage, but Discover refused to pay the filing fees, despite the fact that agreement says they will pay. 
XXXX has the mats and the money ( they said the mats were damaged in transit, but they arranged transit -- so they lowered the offered refund to {$800.00}, but never paid it and stopped replying to e-mails inquiring where the refund was ), XXXX collected their fees, and we have nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Case XXXX I was scammed by a credit repair company between XX/XX/XXXX and XX/XX/XXXX, and I filed a claim with my financial institution -TD Bank -- in XX/XX/XXXX. I wanted to ensure that justice was served cause I was undergoing an urgent crisis when I BORROWED MONEY to have this company clean my credit. So I filed a claim and submitted everything ( almost 30 pages worth of material ) to the bank with all proof including corresponding emails, electronic receipts, everything.

I was completely unaware that they would issue a provisional credit. But I was confident that there would be no errors since it was crystal clear what had occurred. Not only did I receive a mail letter stating that they received nothing from me after I wasted my time at a local branch to fax all these pages.But I submitted these documents for a second time only for TD Bank to mail me another letter on XX/XX/XXXX stating that " Based on our investigation, we have determined that an error did not occur. The reason for this decision was based upon the following : You must resolve this matter directly with the merchant. ( If your account was previously credited, it will be reversed on XX/XX/XXXX ( including any fees and/or interest that were also credited ) ''
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain accounts and inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to prevent further misuse of my personal information. 
Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX/XXXX  - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Blocked and Deleted : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX and the all three-credit bureau continue to report this account on my credit report. I have tried over several times in the past year sending letters and trying to reach each company on the phone to speak with them about this account. This is a duplicate account with a different account number. I receive no response from XXXX XXXX, all three-credit bureaus just keep updating my credit report as been verified as valid account. Im not given any information to whom and how they conducted the investigation, I have asked to show me proof with my signature with an agreement and account number to this account. I still have not received anything. 

Also, I have asked all the credit bureau to verify the Bankruptcy reference number they have listed on my credit report, per FCRA everything that is reported on my credit must be accurate. The reference number they have listed on my credit report is inaccurate and the US Bankruptcy court doesnt report any information to the credit bureaus. They have told me that it has been verified and valid, the reference number on all three of my credit reports are incorrect it doesnt match the number I have on my copy of my Bankruptcy paperwork, discharge papers, nor will it match the court records if they had done the investigation. I have 31 credit inquires on each of my credit reports and most of them are dated from XXXX until now I tried dispute especially with the data breach from equifax, equifax said they verified them and they re factual. I tried to dispute my name it has XXXX next to it, I 'm a female I sent them all the Identification they need to prove I 'm a female, there is no XXXX on my name or ID, they refuse it from credit reports. There is a medical account listed in collection I have sent them all the evidence that this account does n't belong to be but to the XXXX XXXX XXXX Veteran Affairs Medical Center. And this  account was paid by the Veteran Choice program, and I gave them the contact information. They refused to remove the account and said that the account belong to me and gave me no proof of validity that I signed an agreement of financial responsibility for this debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested XXXX, XXXX, and Equifax to update my personal information on my credit profile. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Mortgage

On XX/XX/19 our home had caught on fire. We submitted a claim to our insurance provider the next day. They did their appraisal and sent a check. we did our research and selected a wonderful contractor. 

We had to send our check off to Mortgage company to get check endorsed. They use a company called XXXX. They keep making us jump through hoops, and provide a different excuse every time we call on why they haven't released funds. 
They are now trying to make our contractor get bonded for the job. The cost for a bond is more than the contractor would make on the job. 

We are now 3 months in and no work has been done on our home. 

When I pulled up XXXX 's reviews online, there are hundreds of reviews just like mine. 

PLEAS HELP
Product: Credit card

On XX/XX/XXXX synchrony bank decided to lower my credit limit on my amazon store card on my statement closing date without informing of any changes they would be making to my account. 
They lowered my credit to an amount {$33.00} below the new credit line they issued thus making it appear to other creditors that I overused my card. 
My credit utilization on this card prior to the change was 36.2 %, after the change it was 96 %. 
Because of that my other wise good credit score has taken significant damage because I got hit on 2 counts ( 1 ) high utilization & ( 2 ) the fact they lowered my credit.

I've never missed or been late on any payment and my usage has and is always low. I have a 22 % utilization across the board for all 12 of my accounts. 
They have essentially put me in a bad position and refuse remedy the situation. 
They've run multiple soft checks on my report up to 5 times a month every month for the last 10 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an XXXX XXXX business credit card on XX/XX/XXXX. I never missed a payment on this credit card. In XXXX, XXXX I was still in the grace period, I called XXXX XXXX to let them know and they said, its not a problem, youre a good customer, this doesnt reflect your personal credit anyways as its a business credit card. However, XXXX XXXX did indeed report this credit card per Experian, Ive tried disputing this several times with no success as Experian doesnt like helping the consumer. Please either remove this account from my credit report or remove the late payment as this was a business credit card, not a personal credit card.
Product: Credit reporting or other personal consumer reports

Student Loan account hit my credit report with delinquency of 90 days, however I have had my account on automatic payments & each attempt was unsuccessful with the XXXX system, I also have screenshots of attempted Manual Payments with XXXX success. This is an error on XXXX & should not affect my score as multiple attempts each month were made. I also attempted multiple times to call XXXX as advised per the website instructions with hold times over 5 hours & unable to reach anyone.
Product: Mortgage

My wife and I worked on a refinance out of an OCWEN loan in to a new loan from loan Depot since XX/XX/2016. As the process neared completion XX/XX/XXXX, OCWEN has now refused to endorse the loan to a new lender and will not provide allonges in order to complete the process. Quoted response from Ocwen here : " I 've been advised by our legal counsel, that it is legally valid to prove ownership, and I have been instructed not to provide any allonges in case such as this one. I understand the lenders concerns, as I have heard this from a number of other lenders, however this is our position, and it is not negotiable. '' We are now told that the approved loan that has been delayed for months is set to expire in days with no rationale from OCWEN on why this is an issue at all as it endorsement it or allonge is standard procedure. I have asked numerous times for an update but have heard nothing from OCWEN.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 card or prepaid card

In about XX/XX/XXXX My local XXXX ( XXXX, Ca ) store had a promotion for their new XXXX XXXX XXXX XXXX Credit Card. The {$55.00} statement credit offer was expiring in a few days. My wife and I applied right then in the store and were approved for a high limit. The offer was that we would " receive a statement credit of {$55.00} within 2 statements, as long as we spent over {$150.00} ''. We exceeded that amount on the card that day, as we bought groceries and upgraded our membership to the executivXXXX. We were assured by the store employee ( an assistant manager ) that we met the criteria and will receive our credit within 2 statements. After 2 months passed we had received 2 statements without the credit being applied. We contacted both the XXXX store and Citi to inquire about or missing credit. Both the store and Citi blamed the other. After calling 4 consecutive days an agent at Citi 'claimed ' that they could see we met the criteria and the credit was pending and will be on our next statement. When the next statement arrived, we still did not receive the credit. I called back Citi again and was told i needed to talk the the XXXX store manager, I repeated that, no, i will not call them, as i have a credit card with Citi and not with XXXX. Citi claims that the credit is coming from the XXXX store itself and the store claims it has to come from Citi, as the credit card company. In XX/XX/XXXX, my wife called Citi and asked to speak to a manager. The Manager listened to the situation and called the XXXX store on our behalf. There was no resolution that day, but the manager took down our info and promised to call us back within a few days. We have never heard back from that manager as promised. It is now XX/XX/XXXX and we still have not received either the call back or our {$55.00} credit. I attempted one final call to Citi to attempt resolution, in XX/XX/XXXX i called Citi and they claimed that they 'never had a deal like that ' and 'i was lying about it '. I asked to speak to a manager at that time and was told, 'one is not available and they would be unable to help me anyway '. I am beyond frustrated now, i do n't care where the {$55.00} comes from but I WANT MY MONEY I WAS PROMISED. 
For the record, i spend $ XXXX-XXXX  a month on this credit card and pay off the entire balance every month. We have been dealing with this for 6 months when this should have been credited to us after 3 months at the latest. I demand that Citi do the right thing and credit my account the {$55.00} i was promised. They have been rude and incompetent and have exhausted all of my patience. 
I am asking for the CFPB to get involved since I am unable to get any resolution with this issue with either the XXXX store or Citi itself. 
I will be happy to provide any follow-up information requested. Please help
Product: Credit card or prepaid card

I made a purchase on XXXX and was using my XXXX account which is linked to my existing XXXX account. XXXX instead established a XXXX Credit account and pulled a credit report without my authorization. I have spoken to XXXX and have closed the credit account but the credit inquiry remains on my credit report. I want this inquiry removed.