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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting Act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

In XXXX 2016 I was considering a new cash back credit card and called Discover to inquire about a new card with cash back features. I was told that an old account existed with discover and it could be converted to the new IT card with a {$100.00} bonus and cash back. 
I accepted the offer and a card was issued. When the bonus requirements were met I waited for awhile and the bonus never showed up on my account. Today I called Discover and spoke to XXXX and then supervisor XXXX XXXX. XXXX stated that no notation was made on the account when it was converted for the bonus, then XXXX stated that no offers existed during the time frame of the account being opened. I asked for a written response to my inquiry, XXXX XXXX stated the Legal would not like that and she was unable to provide anything in writing. I requested the address for the Legal Department, she declined to provide that address. 

As a bonus was offered to me when the card when I accepted a new card to be issued by Discover and the bonus requirements were met I should get the bonus.
Product: Vehicle loan or lease

The Dealer where the car was leased sent a check to Hyundai Motor Finance to cancel the maintenance agreement associated with the car. Check XXXX for {$1300.00} was issued by dealer and cashed by Hyundai on XX/XX/XXXX. I have contacted HMF at least once a week and sent cancelled check copies multiple times. Also say it will be reviewed and I will hear back within 3-5 business days. Check needs to be applied to the pay off value of lease as we need to end this lease early.

Below are dates I have contacted HMF customer service ( more than this but these are dates I wrote notes ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have sent emails through their secure Payment Processing Dept mimecast portal on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
We are incurring additional cost of $ XXXX/month for insurance on this car because we have not been able to proceed with ending this lease since XX/XX/XXXX. Car has not even been driven since XX/XX/XXXX because my father had a fall and longer able to operate a vehicle.
Product: Checking or savings account

I closed this checking account 2 months ago and now they send a letter saying it's re-opened and has activity. They have no right to re-open it as they please. Should be closed.
Product: Credit reporting or other personal consumer reports

I have repeatedly for the past two years dispute with Equifax, regarding collections on my credit reports that have been removed from my reports and now being reported again. The collection account is XXXX XXXX and the original creditor is XXXX XXXX. This collection is negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After contacting Experian, XXXX, & XXXX  twice within the past year advising them I was a victim of fraud and the information reporting to my credit was inaccurate. I sent them a list of the accounts in question and did not get a probable response.
Product: Checking or savings account

My name is XXXX XXXX XXXX XXXX, i am a chase customer, my account number is XXXX on chase, i didnt have any accounts with XXXX  or something similar and my account from chase was impacted with several withdrawals from a type of debit called XXXX  deposit , taking money from my account without my authorization, then i proceed to make the fraud report to chase and chase denied the claim saying to me like i have relationship with XXXX  XXXX but they dont prove nothing for me, i try to call XXXX  for ask for information and they didnt share any type of info with a third party person, i dont have any account with XXXX! Someone rob my money from chase. 

My claim number on chase is XXXX I submitted it, and then i send the letter yesterday monday XX/XX/year> via fax and on my chase online banking, they cant prove anything because they response unless 24h. Its crazy, i am going to a branch this week. I need responses
Product: Credit reporting

Per my Experian Credit Report, they have not updated my information to state that my accounts have been paid on time since in the month of XXXX, XXXX, and XXXX. Per my information on XXXX, and XXXX, my information is currently correct. I would like for Experian to complete their investigation and update their records to reflect the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance win the Fair credit reporting act. The List or accounts below mashes violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX / Account # XXXX Account name : XXXX XXXX XXXX / Account # XXXX Account name : XXXX XXXX XXXX XXXX / Account # XXXX Account name : XXXX XXXX / Account # XXXX All are a violation of 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 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 reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, This Accounts has violated my rights : __________ Account : # XXXX Account : # 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.________________ Account : # XXXX Under XXXX : __ Last Payment XXXX Open Date XXXX Closed Date N/A___ Last Reported XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Under XXXX : ___ Last Payment XXXX Open Date XXXX Closed Date XXXX Last Reported XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Account : # XXXX _________ Under XXXX : ___ High Balance $ XXXX Open Date XXXX Last Reported XXXX Under XXXX : ___ High Balance $ XXXX Open Date XXXX Last Reported XXXX Under Equifax : ___ High Balance $ XXXX Open Date XXXX Last Reported XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Okay this is my third complaint against Equifax. They have not fixed my credit report as of yet. I have called and they said that they would have it done in XX/XX/2019. They also stated over the phone they removed a credit freeze. I just pulled my credit report and nothing has changed. I have two negative accounts and no history that they removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with my credit and also have had 2 other repairs companys on my side.. All three reporting companys still have not done all they are spose to do as in deleting and updating info and reporting info when i apply for new items they still list me as in late reporting no new accounts etc and delting hard inquires that i have not done i have XXXX on one XXXX on another and XXXX on the other and accounts that are at XXXX balances
Product: Credit card or prepaid card

I recently closed the business account with the US BANK due to fact that I don't need to use this card anymore. It also doesn't help the fact that the card came with {$95.00} fee which for the level of usage is impractical for my business to use. 
However when I attempted to receive the redeem the balance of my points XXXX ( {$6.00} ) since the company prevented me from its redemption several months ago I was refused and the US bank stated that the points will be forfeited. 
Frankly speaking these points belong to me and since the US bank prevented me from its redemption last time it should issue the {$6.00} check for its balance. 
It is only the right and decent thing to do.
Product: Credit card or prepaid card

Dear sirs : My name is XXXX XXXX with SS XXXX. XXXX XXXX XXXX. More than 1 year ago, almost 2 years I went to a Bank XXXX XXXX in XXXX Fl to asked for a credit card, in order to get credit history the associate personal banker toll me if I put a XXXX USD as deposit I will have a credit card for that amount I accept it and they took the XXXX usd but next day I went back to the same location and I reject the transaction. I spoke with the same associate I told him that I do not want that credit card, the associate made a phone call and cancel the transaction in front of me and he told me that the XXXX usd will be return to me by mail in few days. I never received the credit card, so I do not know the number and I never received the refund of XXXX usd I am still waiting for almost 2 years to get my {$200.00} usd, I been calling every 15 days asking to make the refund to my daughter address in New Jersey ( XXXX XXXX XXXX XXXX NJ XXXX ) and In all my calls a woman or a man promised me that the check will be mail in few days I have been waiting and waiting I believe the time is off. In all my phone calls always waiting for more than XXXX minutes and I received the same answer, the check will be mail but never got it. Is not fair that the bank keep my money I need my money be return with damages for 2 years waiting to have it. Thanks a lot XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. 3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XXXX XXXX 2022 at XXXX ( PST ) I spoke with a man named XXXX with XXXX. He stated to me he could get my credit debt disputed but i have to pay {$190.00} for initial fee, then {$99.00} a month until it is resolved then I call them ( credit sage ) to cancel the {$99.00} a month. I did however give him my husbands FULL Social Security and Date Of Birth. I do not want any of that information to get leaked or someone opens a credit card, or something serious with my husbands information. Please help.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a XXXX Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX - XXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed this payment history. Else, DELETE this account immediately!
Product: Credit reporting or other personal consumer reports

Equifax claims they have completed their investigation and determined that I have an account with XXXX XXXX which is absolutely false and Equifax should be able to easily determine that it's false through their own records. XXXX was included in my XXXX XXXX XXXX  that was discharged on XX/XX/. XXXX acknowledged this by inserting a comment about my bankruptcy and no longer reporting the debt though they continued to harass me by phone. Suddenly, when I was recently approved for two credit cards, XXXX removed the comment and posted the reaged debt to my credit profile. Equifax concluded their so-called investigation by claiming the debt to XXXX was valid. Please assist me as I'm trying to rebuild my credit. I can't imagine why Equifax has decided to assist this lying company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I've been reaching out to the Credit bureaus regarding a few late payments they are saying that I was late when I was not. The late payments reporting on my credit report are inaccurate and false. I reviewed my credit report and the days they said I am late are not matching each other., all 3 credit bureaus are noncooperative in getting the proper information and have not shown me any proper investigation and or reports from the creditor showing that my payment was late on the days they alleged I was, I have an outstanding credit history and to improper reporting from this creditor and the 3 credit bureaus, I am suffering financial harm which is due to the negligence of the 3 credit bureaus towards my credit score. 


On my XXXX account # XXXX I was never late XXXX XXXX XXXX # XXXX I was never late XXXX XXXX XXXX XXXX XXXX I was never late, on XXXX  and Equifax stated that i was paying " Exceptional '' but XXXX  has it that I was 1 month late. Which is incorrect and inaccurate XXXX XXXX XXXX. This account was paid in full and never late
Product: Credit reporting, credit repair services, or other personal consumer reports

I been receiving constant telephone calls of harassment, profane and abusive language and threats of XXXX from XXXX XXXX and XXXX XXXX XXXX in regards to 3 accounts that are fraudulent, unauthorized, not my accounts and is the result of identity theft. XXXX XXXX  and XXXX XXXX XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The following accounts are fraudulent : XXXX XXXX XXXX  XXXX  XXXX, XX/XX/XXXX, {$210.00}, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1800.00}, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$320.00}. The following credit inquiries are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX   XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX, XX/XX/XXXX.
Product: Checking or savings account

In early XXXX, XXXX, HSBC opens a promotion for new account bonus. If I deposit more than XXXX usd for more than 3 months, I'll receive XXXX usd bonus. After 4 months I don't receive any bonus and I call HSBC for the update. They don't provide any valid update until XX/XX/XXXX they said I'm not eligible for the new account. Fine, I open the account with the link hang on HSBC US official website and follow all the instructions. I call them several times and there are no valid response at all. This is a clear scam to banking customers. Please treat this bank seriously since they're customed to cheat customers. I felt really disappointed about their business and decide to withdrawl all my money out.
Product: Credit reporting or other personal consumer reports

Dignify XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian has not corrected my Credit File to reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX Balanced Owed. My Credit Score has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and..

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed.

Waiting for a Reply, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Apparent checking my credit report I have a fraudulent account from a company called XXXX XXXX It opened up on XX/XX/2023 saying that I owe XXXX XXXX {$58.00}. I am Big on my credit {$58.00} I would have paid. I also have proof that I have a XXXX balance with XXXX, I recently moved and I took my XXXX account with me. There is no balance and I will be uploading my recent bill. I have no idea why this fraudulent account is on my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several credit inquiries from Michael Andrews and associates within the past year of XX/XX/XXXX.  These hard inquiries are without my knowledge or consent, and I have not had the option to obtain the report as required by law. The inquiries are from XX/XX/XXXX and XX/XX/XXXX, after calling the company they refused to provide me with information, and I was not willing to give my social security because they are already pulling my credit. They hung up on me and I still have no knowledge what this company has intentions on doing to my credit. After calling leaving a voice mail in their office to ceased and desist on inquiring my credit report I filed a complaint with the better business burial. I received another inquiry today XX/XX/XXXX from a simular company from the same address and contact information as Michael Andrews and Associates under a XXXX XXXX XXXX XXXX inquiring on an installment loan. These inquiries on my credit are unfair business practices and unlawful, due to my lack of knowledge on why they are even inquiring every 6 months or so and applying for loans that is unauthorized and the companies failure to provide that information as requested. I have no debt based on my credit report on all 3 reporting agencies and Ive pulled my credit recently to make sure of that. I will make sure this matter gets escalated as needed and resolved.
Product: Debt or credit management

To whom it may concern, My ex-husband and I were contacted by an attorney from XXXX XXXX XXXX telling us that we were coming to the end of our consolidation process and our last payment would be coming out in XX/XX/XXXX, which is about 6-7 months earlier than I expected. We have been with this company since XX/XX/XXXX. XXXX XXXX was our first contact and then we began talking to XXXX because they were the attorney group handling everything. 

I have been handling this mess of XXXX debt since then. I was surprised and I was skeptical as the website shows our paid debt still shows three of our debt pieces in presettlement. All from the same vendor. I got this individuals personal phone number and name and have had several conversations with him. The attorney chatted with me 3 times as I wanted confirmation of this completion in writing and I can not get anyone on the phone at canyon. 

Then my ex-husband received something in email that we needed to sign that said we would get our fees back because of this lawsuit happening and that we should sign it. I called the attorney again and he explained what it was and that he was supposed to get all of these signed and answer questions. We are at the end of our program and the payment changes won't affect us as we are done. I told my ex to sign it and unfortunately he did not download a copy of what he signed. 

I talked with the attorney again as he said that someone should be calling to tell us what happens now that we are finished and, that if no one has called as of XX/XX/XXXX, that we should call him back. I have called XXXX and no one answers. So I just called him back todayhe just answered me. 

This attorney is the only one I can get a hold of. During that call last month, he suggested we call Global Holdings ( XXXX acct ) and tell them they do not have authority to take any more draws out of our acct monthly. He said that should take care of the remaining debt as we are done paying and the rest of the draws to the vendor are enough to pay everything off by XXXX. 

I am nervous about this as we were trying to do the right thing by taking care of the debt issue with a consolidation company to help us with the credit debt we had. 

What do I do if they are lying? I need some help. The last vendor we are dealing with is XXXX XXXX. Payments scheduled to them go until XX/XX/XXXX. Global shows draft payments continuing to be drawn out until XX/XX/XXXX. 

We have paid {$89000.00} since XX/XX/XXXX Below is correspondence info and statements. I also have emails showing we have been sending debt info to XXXX for years. I have tried to contact someone at the company multiple times since this lawsuit popped upand no one answers. I have copies of documents and screenshots of website portals if needed. 

Thanks in advance for your support. XXXX XXXX
Product: Credit reporting or other personal consumer reports

DELETE LATE PAYMENTS 15 USC 1666B 15 USC 1637B 15USC 1681 S-2 15 USC 168ii Per codes I would like my account updated and all negative and derogatory info removed I did not authorize my info to be supplied for any reason