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

I looked over my report and saw inquiries on my credit report that I did not give consent to be on my report. XXXX  is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
XXXX  doesn't have a court order with jurisdiction or consent from the CONSUMER to place anything on my Credit report. 
I sent a dispute letter certified mail next day and XXXX  still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have tried to get the credit bureaus XXXX, TransUnion, and XXXX to stop violating my rights by reporting INACCURATE information. The credit bureaus keep sending me updated credit reports that shows they didn't do any " real '' investigation nor care that they are hurting hard working consumers who pay their bills on time. 

It is UNFAIR that every 30 days since XXXX, I have to take time to send letters, ID and etc to ask for them to delete XXXX XXXX account # XXXX from my credit report. I have sent bank statements ( PROOF ) that I was never late. 

I understand that the credit bureaus want to make money $ $ $ $ off of me by reporting false credit information about me. So I will contact every agency I know and an FCRA attorney if needed because this is my 3rd attempt to have this account deleted. 

I received my investigation back and updated credit reports. You stated that you completed a fair investigation, and this account is now 100 % accurate. 

I need to know how did you investigate this account? 

I sent you my bank statements to show that I was NEVER LATE, but I didnt see any proof that I was late from XXXX XXXX. In addition, I pulled my most recent report from XXXX, TransUnion, and XXXX on XX/XX/XXXX, and still see XXXX discrepancies that proves that you didnt do a proper investigation according to the Fair Credit Act 15 U.S. Code 1681a which states how you are supposed to investigate my consumer report. 

Did you ask XXXX XXXX # XXXX to supply their accounting records or you just took their word? 

Did you interview my neighbors? 

Did you interview my friends? 

Finally, how is it possible that everything is 100 % accurate for XXXX XXXX account # XXXX when my credit reports show the following inaccuracies : 1. Date Opened 2. # Of Months ( terms ) 3. Last Reported 4. Date Last Active 5. All credit bureaus are reporting something different for months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

You have violated multiple laws : 15 U.S. Code 1681 15 U.S. Code 1681a 15 U.S. Code 1681i 15 U.S.C. Sec. 1681i ( a ) I demand you delete this account from my credit report immediately! 

Account Name : XXXX XXXX Account Number : XXXX This is my 3rd letter requesting this account to be deleted and will hold you responsible for {$1000.00} per violation if this account is NOT deleted immediately! 

Send me an updated credit report showing that XXXX XXXX account XXXX had been permanently deleted.
Product: Debt collection

Hello, I was reaching out because I had an issue with a debt I had. I got into a situation where I had too much debt and douldnt pay everything. I starting working with a consolidation company, My issue is with one of my creditors XXXX the consolidation company actually negotiated a settlement amount that was to be made in 3 consecutive payments and the account would be settled. The first 2 payments XXXX accepted and they went through, the third payment they rejected. This defaulted the settlement with them, because of this issue I stopped working with the consolidation company. Since then XXXX has sold my debt to a third party collection agency and now refuses to speak with me regarding the matter even when I tell them I am disputing. I am trying to see if there is any help for me out there. This does not seem like it would be ok to do.
Product: Checking or savings account

Navy federal charged me overdraft fees when my account showed money in it. Happened on at least 5 occasions and maybe more. Cant get statements all the way back to XXXX  when I opened my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against Equifax. Because my personal information was stolen and I was notified that someone tried to apply for a credit card with that information, it was neccesary to freeze my Equifax account. After submitting personal information on their website, I was then denied on-line access to my account until a verification code was sent in the mail. 

After 10 days, I finally received a verification code. I entered it on the Equifax website and then was directed to enter my password. I entered my password then was prompted that I could not access my account until I changed my password. I changed my password then was prompted that I could not access my account at that time and to callk XXXX. I called that number. I was asked to type in my full social security number and other personal informtion, After 10 minutes I was routed to a customer representative at a call center in the XXXX. They said they woild freeze my account. I asked them for access to the Equifax website so that I could check if it was frozen as verification. They said they would send a verification letter in XXXX to XXXX business days. 
So first of all, how is my account that I do not even have access to protected from over-seas hackers in the XXXX, etc. And, if they are indeed freezing my account, How do I unfreezed it of check if someone else asked for it to be unlocked if I can not check the status. 
If Equifax is so disfunctional, how is it they are allowed control of our personal information. How is it that a call center ib the XXXX has more control over the use of my personal information than I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accounts appearing on credit report
Product: Debt collection

I have an unpaid XXXX XXXX credit card for {$1600.00}. XXXX XXXX # : XXXX. I paid {$22.00} a month but became unable to pay in XX/XX/XXXX. Now debt is with XXXX XXXX/Halstead Financial Serv. My Ref XXXX & XXXX I have a letter stating they will settle for {$1300.00} dated XXXX, XXXX. On XX/XX/XXXX, while with XXXX XXXX, financial counselor at the XXXX XXXX XXXX XXXX, we asked XXXX at XXXX XXXX XXXX to go over offers from the call with XXXX at XXXX XXXX XXXX. He said I refused those offers and they could not offer them again. One offer was to pay {$75.00} down and pay {$30.00} a month. We were not offered this. We discussed what we remembered about the offers such as {$960.00} lump sum. We called back to hear the response to our offer to pay {$1000.00} total by paying {$25.00} a month. We asked him to play the tape of the call with XXXX. He said he would not play if for me but would listen to it himself. When we discussed paying {$1600.00} at {$25.00} a month. XXXX said he couldn't send agreement in writing. When we told him I was on a fixed income, he repeatedly asked/pressured me to provide my debit card number. I told him I would send a money order. He will not provide me with a fair settlement that will pay the debt. I am not able to pay any of the debt and I offered to settle for {$200.00} but they refused. Due to my not being able to pay lump sum I can't get a reduction. I am trying to make a fair arrangement I can live with long term. That wont happen with XXXX. Other creditors have accepted {$10.00} a month and lowered the amount I owe by 1/2. Halsted is also calling several times a day & they call before XXXX XXXX
Product: Credit card or prepaid card

Name XXXX XXXX I fell for unemployment back in XXXX XXXX XXXX  XXXX the payments were going Bank of America account that they have a contract with XXXX of XXXX I called the prepaid XXXX Bank of America XXXX XXXX order a replacement card at that time I was told that I had XXXX money in my account I I didn't understand what was going on I had kept money and the account for the emergencies and I didn't touch the money and actually destroyed the card and never called to get a replacement card. I believe I destroyed the card sometime in the middle of XXXX I requested copies of statements and credit slips of purchases I have yet to receive any of the copies of statements and I haven't received not one statement I haven't received not one credit step I have not received any type of documents regarding why my account is out of XXXX balance I've contacted the Bank of America maybe four times a month each month since XXXX maybe even more than that and now they're stating that the XXXX which is my sponsor has put a block on the account and they can not give me any information regarding the money and my funds are transactions. I contacted the XXXX which is a sponsor that applied those payments to the account they state that there's no block there's no they haven't closed the account they have nothing to do with that side of the transaction once they submit the payment to Bank of America that's all they do they can't see funds they can't go into the account they have nothing to do with any type of disputes but the XXXX department is stating that this is what is going on and that's the reason why they can't give me any information regarding my account I don't know what charges that are on my account like I haven't received not one statement I asked for statements between XXXX of XXXX XXXX of XXXX I made these requests back in XXXX I have not received any statements any credit slips with signatures or any type of identifying information regarding these transactions I don't know exactly how much money is involved like I said I have not received any documentation all I was told that when I put into dispute which was actually on XXXX XXXX they have Down XX/XX/XXXX XX/XX/XXXX and it was closed on XX/XX/XXXX 3 days later with the denial of the disputes I have a police report as well
Product: Credit reporting or other personal consumer reports

I am writing to formally express my deep concern and dissatisfaction with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit report through XXXX, Transunion and XXXX Credit Bureaus. Despite my numerous attempts over an extended period, these fraudulent entries persist, adversely affecting my credit standing and causing significant distress. 

The presence of these fraudulent items on my credit report not only poses a direct threat to my financial well-being but also raises serious concerns about the security and accuracy of the credit reporting process. I have attached supporting documentation for each attempt made to rectify this situation. 

I understand the importance of maintaining accurate credit information and the impact it has on my ability to access financial services. Therefore, I request your immediate attention and thorough investigation into the matter to rectify the fraudulent items on my credit report. 

Conduct a comprehensive review of my credit report to identify and rectify all fraudulent entries. 

Provide written confirmation once the fraudulent items have been successfully removed. 

Investigate the source of these fraudulent entries to prevent similar incidents in the future. 

I trust that you recognize the urgency of this matter and its potential implications for my financial well-being. Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} 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 Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am with a debt consolidation company. Kohls has been made an offer to settle my debt but has not yet accepted. In the interim they have been calling my previous residence occupied by my husband ( separated XXXX at XXXX and midnight.Most recently on Tuesday the XXXX. 
Are they allowed to call this late? My husband and son have been awakened on several occasions and I feel it is bordering on harrasment.
Product: Debt collection

This debt collector is in violation of the FCRA. The FCRA requires debt buyers to notify you when they report negative information to a CRA. 

Not only was I never notified but once I learned I had a collection on my credit report I disputed this with the collection company as well as XXXX. I sent a cease and desist letter via certified mail asking them to remove the false delinquency as I would deal with the original creditor only. Neither have complied with removing this account from my credit reports.
Product: Credit card or prepaid card

XXXX paid minimum online to CITI/Costco card. 
XXXX Citi payment bounced for full ( XXXX ) balance. 
Requested payment reversed. 
Spoke to supervisor and told wait 2-3 days for it to reverse XXXX citi lowered limit from {$9000.00} to {$500.00} XXXX called!! approximately 12 hours so far calling, dming, and chatting online with reps ... no help. 
Talked to branch, head teller conference call to Citicards.. no help. 
Talked to Escalation level 2 person today.

Told wait 4 days for a call back.

I have spent 12 hours talking to supervisors and cant get account fixed. 
They are charging me fees and increasing my rate from 15 % to 29.99 % As well as ruining my credit. 

My payment should have been & XXXX not $ XXXX Every time I call they tell me they cant help. I have local branch involved, supervisors and managers. 

This should be a simple correction not something that ruins my credit. 

They raised my rates in XXXX for being mere hours late paying ( one time!! ) My rate was 26 % since and I was just notified by a manager. ( I did not see anything on the online statement. ) So now Im XXXX over my limit due to a glitch or something that happened online that was not intended. 

I never thought something like this could happen. I have an infant and a family and have worked hard to get the credit rating that I have. 
I had 100 % perfect payment history with bureaus and now they have wrecked it and wont correct. 

They should be shut down. 
I have been on consumer affairs reading complaints and I am not the only person who has experienced such treatment. Many limits are being dropped immediately after payment. That would be ok if the payment was intended but when it happens after an error ..Citi should correct it. 

They are ruining my credit and costing me money. For what I feel is their mistake. 
We have been paying 13 years without issue. Then all of a sudden this string of events. It seems purposeful and directed at consumers in a criminal way. 
They can blame an algorithm while they ruin people. 

Im not going to go away. 
I will absolutely fight this. 

Please help.
Product: Debt collection

I received a letter about a debt on XX/XX/2018. I sent the company a letter asking to verify the debt. The did not reply. I received a similar letter on XX/XX/2018. I sent them a second letter asking to verify the debt. They did not reply. I received a third letter from the last week and am not sure what to do. They have not replied to my letters asking to verify. They just keep sending letters.
Product: Credit card or prepaid card

In XX/XX/XXXX, I applied and was approved for an Apple Card with {$500.00} limit. In XX/XX/XXXX, I received an increase to {$900.00}. In XX/XX/XXXX, to {$1300.00}. 

I worked as a XXXX XXXX XXXX since XXXX. My dream was always to have my own center. During the pandemic my husband and I purchased the XXXX XXXX  of our dreams using owner finance. Unbeknownst to us, the previous owner was behind substantially with rent and more. All the financial ledgers and documents we received were forgery. To which she adamantly denied. We were in a legally binding contract. We would have to still pay her and lose XXXX XXXX. The alternative was to keep XXXX XXXX, to pay those bills. We had already put a substantial amount down and in payments. Paying her past due bills and our own business bills put a major strain onto us in the business and personally. We were forced to the heartbreakingly close Friday XX/XX/XXXX. 

During that time, the Apple Card payment was late. With the loss of XXXX XXXX and our life savings also meant a loss of income. I was unemployed and actively seeking employment. At times, like many Americans I used my credit card. XX/XX/XXXX, I had a job. I called my creditors to make payment plans. 

Apple Card was owed {$1300.00} of a {$1300.00}. I called and spoke to XXXX on XX/XX/XXXX. I was offered a payment plan to get my account back on track. The offer was to pay XXXX XXXX monthly starting XX/XX/XXXX for XXXX months with 0 % interest. I could always pay more but never less. After XXXX months Apple Card would report the payments to the credit bureaus. If the balance was paid down to zero within XXXX months. I would retain the card and receive my account privileges. The card term would start over, 0 % APR for XXXX months. I asked if I could pay a lump sum to which they replied yes. I paid {$22.00} in XXXX and XXXX. XXXX was {$100.00}. XXXX was {$170.00}. XXXX was {$100.00}. XX/XX/XXXX {$890.00}. My account balance showed XXXX balance. 

XX/XX/XXXX I texted apple regarding my account restoration. An apple Goldman Sams specialist, XXXX said I had a {$40.00} balance. It didnt reflect on my card statements In app. They couldnt explain why I could not see it. 
It came from payment due on an XXXX XXXX I financed using the Apple Card. I paid apple immediately. XXXX told me my account would be restored after I made The payment. 

The very next day, XX/XX/XXXX, I texted in. XXXX from Apple Goldman Sachs my account was closed and o would need to reapply. I informed him that isnt was not what I was told. I sent them screenshots of previous conversations they told me I could reapply. 

They have received all their money. They report to the credit bureaus every month since my account was positive but have not reinstated account as promised. They never closed the account. 

After searching the web, this scenario is a commonality with the Apple Card and its not right. 
What they did was wrong and deceptive.
Product: Credit reporting or other personal consumer reports

I have recently conducted a thorough examination of my credit report and was deeply alarmed to discover that I have fallen victim to identity theft. It has come to my attention that there are multiple accounts listed on my credit report that I did not initiate or authorize. On XX/XX/XXXX, I promptly dispatched a formal letter to the credit bureaus in which I requested a comprehensive investigation into the accuracy of the information associated with the accounts I have enumerated below. Accounts : by XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report dated XX/XX/XXXX, I see an entry listing collections account reporting below 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 I challenge the accuracy, compliance and reportability of this listing.
Product: Credit card or prepaid card

Care Credit. The interest rate is so high that when I make a payment, my balance barely goes down. I pay  XXXX , it might go down  XXXX  dollars, but then there is a penalty for not paying off the balance the first year you have the card, so even the  XXXX  does not matter. I called the company several times and told them I am stuck in a loop of making a  XXXX  a month payment, but it never reflects in the balance, and they told me I should have read the fine print in the contract, I asked what contract, I applied on my phone. I ca n't keep making payments on something that will never be paid down, or paid off, I do n't know what to do about this.
Product: Debt collection

I am applying for a cash back business credit card with XXXX. I had a block on my credit & XXXX could not execute issuing a card to me. When I contacted TransUnion to lift the block, they sent a report to me. The only Adverse Account on the report was XXXX reported a balance of {$78.00} In Collection, updated XXXX/XXXX/XXXX. I called XXXX. The Billing Dept had no record of this. How do I get this removed from my report? I have not ever received notification from XXXX of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting or other personal consumer reports

Transunion Consumer Solutions, XXXX XXXX XXXX violated the FCRA 1681, by failing to investigate the accounts that are reporting fraudulent on the reports that are maintained under my social security number. Transunion Consumer Solutions, responded to my dispute by stating the documents that I provided was not valid. I am attaching the documents to address the accounts that are reporting on the credit files that are being maintained under my personal information. As I stated before the accounts are not accounts, I have authorized. The accounts on the FTC statement have been disputed multiple times with each agency. This is a final warning that failure to remove the fraudulent accounts from the record will result in a lawsuit being filed against each agency,
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 we cancelled this credit card with Bank of America with no balance or over due balances. The Bank is showing we are 30 days late in XX/XX/XXXX?
Product: Debt collection

Profit Services Group in XXXX, GA is trying to collect a debt for a medical bill that I do not owe. They said I owe XXXX XXXX XXXX for an XXXX of my XXXX that was done on XX/XX/2017. I was on workmans compensation at that time for a work injury and any expenses should have been billed to them.