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

Upon reviewing my XXXX  Credit File, I noticed an unauthorized inquiry from Discover Financial Services with a date of XX/XX/2019. There is a number of XXXX listed so I called and requested assistance with getting the unauthorized inquiry removed and advised that I do not have an account nor have I applied for one. I provided my name and full social and was advised via the number listed with the inquiry that there was not an account for my social which I was aware of as I have never opened an account. The woman also advised that there was no applications on file. I advised her that is further more a reason why the inquiry needed to be removed and she advised that no one could assist me at that number.
Product: Credit card or prepaid card

I made a payment to American Express on my Personal Loans account. The payment did not initially clear as my employer was late releasing reimbursements to me because of COVID related staffing issues. Amex immediately re-presented the check and it was then cleared by my bank. I have called Amex multiple times and even did a conference call with our bank with AMEX who confirmed that the funds were released from our account to Amex via ACH on XX/XX/XXXX. Our account with AMEX still reflects that the payment was returned and we have not been credited for the funds they received on XX/XX/XXXX. Amex has also advised that we have 'one profile ' and they have retricted our ability to utilize the XXXX XXXX  because they still show the payment as not being honored. We have been AMEX cardholders since XXXX. My credit line or in Amex speak purchasing capability has essentially been eliminated and now all payments require a five day hold! I called this morning and after an extended hold got a recording that their systems were not working and they could not help us. I am very dissapointed in AMEX, so much for showing any empathy or understanding during COVID, I have literally spent hours on the phone with AMEX to resolve this to no avail. Everytime I call I get routed to collections ( even though the account is current ) and then get emails after the fact that I have made a " promise '' to make future payments. Something is very wrong here. I suspect the customer service agents I am talking to are in fact collection agents and instead of resolving the issue they get paid incentives to get reflect on my account that a " promise '' has been extracted even though that is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit score today and noticed some things on my report that were quite disturbing. I noticed that someone has fraudulently opened up multiple credit cards in my name. It has happened over a two year span beginning approximately 4 or 5 years ago.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several iteams on there to be inaccurate.

Under U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum posible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if afther 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 -- ( i ) promptly delete that item of information from the file of the consumer, or modified or deleted from the file of the consumer.

Please remove the following items from my credit report immediately. 
XXXX XXXX XXXX XXXX CREDIT COLLECTION SERVICE ACCOUNT RESOLUTION XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened a Venmo account and payments were made to me and money transmitted to my Venmo account. Venmo is refusing to allow me access to those funds and the have frozen my account for no reason and the account will remain frozen for 180 days! They continue to accept funds but will not allow me access to those funds! They provide no reason for freezing my Venmo account. This is unfair and predatory business practices
Product: Credit reporting, credit repair services, or other personal consumer reports

Violated my consumer rights : XXXX XXXX Code XXXX - Congressional findings and statement of purpose XXXX Code ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter Account Name : Caine & Weiner Account XXXX Account Type : Collection Date open : XXXX Status : Seriously past due date/assigned to attorney, collection agency, or credit senator 's internal collection department. 

Status Updated : XXXX
Product: Credit card or prepaid card

My last visit to XXXX XXXX I was told in an inadvertent way that I should make a small purchase once per year or the store will close my credit account. I thought about what the lady said and the next day I call to discuss and I asked the customer service person to confirm if what the lady was stating was true. The last confirmed it to be true. I said I might as well cancel, if I am going to be forced to something. They reported on my credit that it was closed by the store and it was not. My credit score was affected, which caused me to receive a slightly higher rate on my auto loan. Can you please assist with the matter. Thanks
Product: Credit reporting, credit repair services, 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. 

these accounts : XXXX XXXX XXXX : # XXXX, XXXXXXXX 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: Debt collection

on XX/XX/XXXX I received via Postal mail 4 letters, AFNI Account Reference Below : Account reference # XXXX. XXXX # XXXX. XXXX # XXXX. XXXX # XXXX. XXXX addressed too my personal name, by a 3rd Party Collection Company named AFNI, I called and spoke with 2 people who put me on hold then I was left to leave a message, then it hung up. I previously 4 years prior spoke with the Company claiming a debt, they couldn't verify what was purchased but said I received a product, and they finance it ... prior to this I had on record had my identity stolen, several accounts of credit opened up in my name, I did not authorize ... I have since put fraud protection on my credit file and had all 3 major credit reporting agencies updated, the company Affirm the alleged debtor, has expired the time allowed to collect, PA law is 2 years has been over 5 since prior contact, and in prior communication was alerted in XXXX that I did not purchase and was sent a fraud package, since then I had not heard from them. AFNI is not a recognized party, and I demanded they cease and desist in accordance with fair credit reporting act law. AFNI hung up both times and did not allow me to dispute, nor can I send a Cease and desist notice to their P.O.Box address, I need a physical address to do so!!!!
Product: Credit reporting or other personal consumer reports

I have noticed several unauthorized inquiries on my credit report that I did not authorize. I kindly request that these inquiries be removed from my credit report, as they are in violation of the Fair Credit Reporting Act, which requires the removal of unverified and unauthorized items. 

I have already contacted the companies involved, and they have confirmed that they do not have any of my information on file. Attached is a screenshot listing the following companies, whose inquiries appear on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I can confirm that XXXX XXXX XXXX Company appears on both my XXXX and Experian credit reports. I request prompt action to resolve this matter.
Product: Debt collection

Midland Funding LLC bought my XXXX bad debt credit card of {$10000.00} from XXXX in XXXX of XXXX. I received a judgment against me for XXXX, XXXX which I have been paying monthly notes of {$120.00} every month through XXXX. 

I paid total of {$8500.00} as of XXXX/XXXX/XXXX. Midland Funding LLC added {$6300.00} interest to my balance of {$2900.00} on XXXX/XXXX/XXXX. I contacted an associate of Midland Funding LLC about this interest and she stated if I do n't settle to pay XXXX % of this debt they will garnished my wages.
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate information on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX NV XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX REPORTED XX/XX/XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX, XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX
Product: Vehicle loan or lease

I can not wholly blame Global Lending for this adverse action I am filing. I am very disturbed as I am writing this complaint and I take no joy in this regretful process. However, Global Lending could resolve this complaint in a matter of minutes. I totaled my vehicle on XX/XX/2018. I had financed with this company. My insurance company lied to Global Lending and me. Before I went to the V.A. Hospital for an elongated stay after several months I was released I found out Global Lending had  charged my account off for non-pay. I was told to me my account had been paid off. Everything has been paid off now. However, your company is reporting a charged balance of XXXX XXXX dollars or more. This painful and regretful error is causing severe backlash from my mortgage provider. As a Veteran and a XXXX XXXX member, I surely didnt expect this betrayal of public trust. I fought for this country, and I protected my insurance company freedom to do business. I am taking this approach because I couldnt get it resolved otherwise. Again, I am not totally blaming Global Lending for this miscarriage of justice. However, I am bringing to their attention the lack of communication and not taking this dangerous situation as a priority and overlooking the fact this is ruining my life. It is incredibly extreme to me as a consumer. Please help!
Product: Student loan

Debt Collector: Williams & Fudge, Inc. 
Name of person: XXXX XXXX - XXXX

I have been called 8 times in the past 4 days by this company, and they have contacted my mother several times as well. My mother was not a cosigner on this loan, and they should not have her contact information. These loans need to be rolled into the rest of my consolidated federal student loans so that I may fairly pay them off. It is relatively low balance and does not merit this type of aggressive harassment and collection. My current monthly consolidated payment is $XXXX due to a low income, so I should not be harassed for this amount. I have been given no options for monthly repayment, and instead me and my family are getting harassed. I am happy to figure out a low payment plan, but this is getting out of hand.
Product: Credit card or prepaid card

Initially started beginning of XXXX after I finally received my replacement card. After a few days it was locked and I cant withdraw or pay any Bill 's. It's now XXXX and things are only getting harder please unlock my reliacard it's my money. Sent countless faxes that abide the requirements. This is outrageous! Even signed up to twitter in order to speak with a rep there and they told me if I upload my docs and a selfie through a link it would be resolved in 48hrs it's going on 4 days now since.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just trying to find out why when you need to find out how where your report use to get goods and if you need to use your own SSN # that it has been damaged or destroyed my credit is so bad after Equifax let out important information that 's I would think that when you need to remove information that 's is incorrect that it should be in your favor but now we are having trouble getting any help with home or personnel credit from any creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE CFPB CASE XXXX : The Pdf File sent by Lexis Nexis does not work, nor does it open. Let me iterate once again, as a consumer, I demand all my information be deleted both the verified and unverified data permanently throughout your system. That includes ANY affiliations or sister companies you may have, for example, LexisNexis Data Managemen or similar mechanisms. My previous complaint, was as follows : " On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written or permissible purpose to advertise or furnish my information and pursuant to the FCRA ( Fair Credit Reporting Act ) you are willfully committing a federal violation. Within thirty ( 30 ) days, I asked that you give me written notice of following my instructions. You are willfully noncompliant and according to the FCRA are liable for federal violations conducted, should you fail to reply I will pursue legal counsel. '' Failure to reply and I will seek legal counsel. Delete my information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Balance {$240.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX Balance {$2000.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$12000.00} CXXXX XXXXXX/XX/XXXX Balance {$370.00} Inaccurate data and identity thief that should be removed from all three of my credit report Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are incorrectly reporting duplicate XXXX XXXX on the following accounts : XXXX XXXX XXXX {$140.00} ECU XXXX XXXX {$140.00} XXXX   XXXX XXXX {$140.00} XXXX XXXX  XXXX {$180.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$210.00} XXXX   XXXX XXXX {$250.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$560.00} ( Please see pages 23, 24, 25 , 26, and 27 of the attached credit report, along with a spreadsheet with the duplicate accounts. ) This incorrect reporting of duplicate collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove these items however, I have not been successful.
Product: Credit card

On XX/XX/XXXXXXXX XXXX XXXX XXXX I took my car in a car shop to get it fixed. The issue I was receiving on my dashboard was showing XXXX and front assist not available I took the car in shop, explained them the situation. They kept it for XXXX hours, called me and told me its fixed. I paid for them since they told me its fixed. I paid with my Apple Card. I paid {$180.00} As soon as I got in the car when I started the vehicle I started getting the same error I was getting before XXXX and front assist not available. 

Went back to the shop, told them the issue, they wouldnt listen at all, they kicked me out of the shop and yelled at me and wouldnt cooperate at all after they took my money and didnt fix my car issue. 

I have pictures of the car still showing the same issue. 

Reported this to Apple Card and they havent helped me at all, twice now they are going back and putting the charge back into my account saying there is no billing error? 

Please help
Product: Checking or savings account

Regarding account : XXXX. 
I would like to report this transactions as scam XXXX XXXX XXXX {$1200.00} XX/XX/2022 XXXX XXXX $ XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX $ XXXX XX/XX/2022 I purchase a Hedgehog from XXXX XXXX for {$250.00} and when the pet was been sent to us via air from texas the company transporting the pet contact me saying that we needed a XXXX cage for the animal and insurance due to he fact that it was an exotic pet, XXXX XXXX told me that all those fee were going to be reimbursed once the pat was deliver but we never received the pet and now the email phone and website has shot down. 

XXXX XXXX- insurance company XXXX  My bank refuses to help me saying that this verify this information I don't know with who or when but they dont wan na help me
Product: Mortgage

On XXXX XXXX, 2024 I mailed a payment in the amount of {$6000.00} to Mr.Cooper, my mortgage company. I enclosed a letter stating the check for {$6000.00} was to be applied to the principle of my home loan. I also wrote in the XXXX space on the check that the money was to be applied to the principle of the loan. Today, XXXX XXXX, 2024 I received a statement from the mortgage company. Here is what they did. 
{$5100.00} Applied to the principle {$170.00} for interest {$690.00} for escrow -- -- -- -- -- -- -- -- -- -- -- -- -- -- - {$6000.00} It appears this is there way of NOT reducing my principle by the full {$6000.00} as I requested. Note, my loan was recently acquired by them in the last few months. I have had nothing but problems in my efforts to call and actually talk to a real person. They have no provisions for talking with a real person to resolve problems.
Product: Credit reporting

I have disputed these accounts. They are not charge off or wage earner plan accounts. They were filed in my bankruptcy XX/XX/2010 and listed in the mailing matrix that the US Bankruptcy court has on file. They are reporting Target # XXXX, # XXXX accounts as Charge-offs. XXXX XXXX # XXXX as a Wage Earner Plan. They are reporting false information and should be listed as included in bankruptcy. This has affected my credit.
Product: Debt collection

NELSON AND KENNARD IS CALLING TO COLLECT IN FULL ON THE CREDIT CARD DEBT THAT WAS INCLUDED IN BK AND XXXX XXXX ISSUED XXXX. I CONTACTED XXXX XXXX WHO STATED THEY DO NOT HAVE THE CARD INFO IN THEIR SYSTEMS AND THAT THEY VOIDED THE SALE/TRANSFER OF THIS PAST DUE DEBT TO NELSON AND KENNARD WHO STILL WENT THROUGH WTIH THE JUDGEMENT EVEN AFTER BEING NOTIFIED OF THE BK ... THEY SIMPLY ARE TRYING TO POCKET THE MONEY THEY ARE NOT ENTITLED TO BEGIN WITH.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 ), has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bank told me they would correct the inaccurate information on my consumer report but has yet to do so. XXXX XXXXXXXX bank had a billing error on my account and didn't mark the account as disputed. The inaccurate information on my consumer report has stopped me from being able to apply for credit. This has been very stressful and has made my life hard. I was told the information would be corrected from XXXX XXXXXXXX bank but they have yet to correct the information on my consumer repoort.