23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have XXXX accounts on my credit report. They both should have a XXXX balance and they do not. XXXX is XXXX, I have asked equifax for over a year to investigate they keep coming back with their information has been verified and is correct. It is not correct. The XXXX account is XXXX wireless which I have been fighting them for almost a year as well, and that account has a XXXX balance. I have asked for the method of verification and they do not provide that information. Their results for their investigation comes back within days so it is impossible for them to verify within that time frame. They need to remove the accounts from my credit report. This has gone on far too long and is keeping my credit score low because of XXXX. That is causing damage for me to refinance my house. Equifax is not able to provide accurate information and the public should know.
Product: Debt collection

Received a call from a man stating he was with XXXX about a month ago, stated I had received a payday loan from them in 2013 and that I only made XXXX payments. I do not know anything about this and told this man so, I also informed him that I was a victim of identity theft in 2013. I was contacted on a phone number that was not in use in 2013 and have no clue how he obtained my current phone number. He proceeded to name things on my credit report, my address and such, I was totally freaked out and hung up. Not too long later, I started getting calls on my work number from XXXX XXXX, also a number that was not even in conception in my life in 2013, different employer, do not know how they obtained this information. I called back once, told the guy the same thing I told the original guy, notified him this debt was not mine and if they felt they need to proceed with legal action that I welcomed it. Received voicemails from a XXXX XXXX requesting me to contact her with my availability and basically an appointment to be served, who seriously does that, are thugs going to show up at my door instead? Also this morning, they called and left a mail on my daughters phone stating that I refused to sign for being served for legal action. I do n't know how they got my daughters phone but that is extremely inappropriate. I found this company is XXXX XXXX and not even licensed. They need to be stopped!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I accessed my credit report from Experian in XXXX of 2018. I noticed there were MANY instances of my name that I have never used, but were listed on my credit report. I wanted to open a dispute regarding this incorrect information, but was prevented from doing so in an expedited manner, as Experian does not allow online disputes for this type of information, despite the fact they are solely responsible for the incorrect reporting. 

I am currently attempting to purchase a car. Credit scores have direct financial impact on the APR I will pay for a new car loan. Having MANY versions of my name that are incorrect likely have an impact on my credit report. Despite these circumstances, Experian says the ONLY methods by which I can dispute their incorrect information is via XXXX Mail or telephone. I am XXXX and do not use voice telephones. Despite this, Experian refuses to make any other method available to dispute this incorrect information. 

Experian is also reporting MANY unauthorized credit checks on my account ( one company making 5 inquiries in the space of a couple of months ) for which they refuse any type of dispute process. 

In addition, Experian claims to not have an XXXX coordinator for XXXX individuals, and further refuses to provide information for anyone on their legal team, making it impossible to escalate this issue. 

Providing XXXX Mail as the only option for XXXX customers is discriminatory, as able customers can get their dispute investigated immediately, whereas for XXXX Mail disputes, there is an inherent slowness that causes delay, putting the XXXX customer at a significant disadvantage in attempting to make major purchases.
Product: Debt collection

I am repeatedly getting phone calls over seven times per week. I am getting calls early in the morning and late in the evening. Recently they started calling my place of employment and I asked them to stop. They do not stop. It is relentless perpetual harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been attempting to resolve my credit file with Experian the last 6 weeks. Initially, my FICO was XXXX. Working with this agency CFPB, I've resolved 3 of 4 potentially negative Experian reflected on my credit report. In each case, Experian had misinformation regarding my file reflected ... XXXX XXXX , XXXX XXXX and XXXX XXXX . All issues were resolved with not a penny ligitimately owed from me. I have one other negative issue I've submitted to CFPB with loads of supporting documentation I believe will exonerate me from that misreporting as well. I spoke live to an Experian rep yesterday, as well as numerous times over the last 6 weeks abut my file and score. 
Experian is under reporting my existing credit by {$10000.00}, which, if accurately reflected would lower my credit ratio from 11 % to 7 %. My debt to income ratio is 1 % according to Experian. 
Given all the resolution work I've completed with all the incorrect reporting, my score now sits at XXXX with Experian. I am a small business owner and potential clients typically pull my credit score in evaluating using my company. This ridiculous low score, coupled with the absolute, unchecked, power the credit bureaus hold over so many aspects of our lives today by publishing incorrect and damning info on our credit reports borders on criminal. I've got a 34 year history of credit for mortgages, autos boats, credit cards ... ..never a late payment or collection. Experian counts this as irrelevant in their analysis on my score which is absurd as it documents clearly the fact I pay my bills on time, over an extended period of time.
Product: Checking or savings account

Chase bank closed account on XX/XX/XXXX due to a check that was deposited in my account, as it needed additional verification. After I received the letter that my account will be closed within 10 days I called Chase and they told me that the balance in the account would be sent via mail in form of a cashier 's check. 
It has been 9 days and I still do not receive my check. 
I called right away as soon as I notice I had no access to my bank account on XX/XX/XXXX, and a representative told me the check had been mailed out on XX/XX/XXXX, and I should expect to receive it within 3-5 days. On XX/XX/XXXX I called again as I had receive no notification from Chase regarding the closed account, and then they told me that the funds have not been mailed because they needed additional verification regarding the last check I had deposited. 
XX/XX/XXXX, today I went to the Chase branch and they told me the check of the balance in my account should have been mailed out the same day the account closed, and they provided me with a telephone number to call Chase myself to ask about the status of the check. I called and the first time a customer rep told me the check was sent out on XX/XX/XXXX and that I should expect to receive the check of my balance by Monday XX/XX/XXXX. However, I was still in doubt because that is not what I had been told before. I called again and another representative informed me that the fund will remain suspended and nothing can be done if they can not verify the check by having the persons registered phone number. 
It is very stressful, and they also told me they could keep my money for up to 2 years if they can not verify. I do not understand why Chase hold on to a check for 10 days and then keeps the money and closes the account and need extra verification that they keep saying they can not verify even after providing them with what they are requesting. Also, they told me to contact issuer of check and have them dispute check. However issuer has informed me that the check shows its cleared on their end, and that the money has been successfully been deposited.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Pursuant to USC 1681g, I am requesting their removal within XXXX  days. Relevant documents are enclosed for your review and consideration.
Product: Debt collection

I was not aware of this debt until I got a notification on my credit report, I never received anything in the mail/a phone call until after it was reported to my credit. Very rude representatives, constantly calling and harassing me about a debt I should not owe ( insurance information was given to pay ambulance bill ). When I spoke to them they expected a full payment of over {$1100.00} and were very rude to me when I told them I was young and didnt understand and was confused, and proceeded to threaten that they could keep me from being able to finance anything in the future as they would damage my creditors ( home, car, etc ). Now I have received a letter in the mail that Ive been ignoring them and if I dont pay within 5 days they will take further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  Accounts listed in the upload section 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 a account without my written instruction. 

After pulling my credit report and trying to be responsible and handle my business I found lots of inaccurate information on my report. 

Last reported Date last active Date of last payment Date opened Balance past due Comment section
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked checked my credit report in XX/XX/2022 after applying for credit and noticed that i have been a victim of identity theft. I have XXXX fraudulent accounts on my credit profile that do not belong to me and i did not apply for them. Those fraudulent accounts are XXXX XXXX with the original creditor XXXX XXXX XXXX for the total of {$650.00}, XXXX for the total of {$530.00}, XXXX XXXX for the total of {$630.00} and XXXX XXXX for the total of {$870.00}. I have never done business with either of these companies and would like them taken off of my credit report as soon as possible because i have been denied credit due to these accounts that do not belong to me. I would like an updated credit report showing the removals of these fraudulent accounts.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block.Inc ) to the inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected.Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulations. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

There were multiple inquires on my credit report that were not authorized by me. I had a Freeze and fraud alert put on my credit report due to identity theft along with a police report and my credit report was still being pulled without my consent. I have contacted all 3 credit bureaus about this matter and not one representative has seem to help me. 

Also I was a victim of the XXXX XXXX computer glitch that resulted in my inquires being deleted and later XXXX XXXX add them back onto my credit report without giving me the legally required written notice of 5 days prior to them re adding them. I contacted them in faith asking them to delete the inquires that they had illegally re-added. 

These unauthorized inquires add a hardship and that my rights were violated by not only XXXX but as well as Experian, and XXXX
Product: Credit card

On XXXX XXXX, XXXX I contacted CitiCard regard ing my CitiForward to make inquiry on my Visa Signature Account. Upon inquiry as to the interest, I was advised that the account was in default status due to a payment received one ( 1 ) day late stemming from a one day late payment made in XXXX, XXXX. At that time I advised the representative that time due to death in my immediate family and being out of town I did not make the payment. Subsequently a payment was made, as well as a request for a one time waiver of the late fee. Same was granted based the account history. Additionally, I made inquiry as to whether the interest rate would be affected due to the late payment. I was informed by the account specialist that the account was not showing an increase in the rate and that same would be showing on the account already if applied. Based on that statement I made no further inquiries as to any increases in the rate. According to the credit card reform act of XXXX, a credit card issuer must advise the consumer of any increase in interest in writing prior to adjusting same. I received no such correspondence advising me of such increase. Additionally, the Act states " if you are 60 days late on a credit card payment, then your issuer can raise your interest retroactively, but you must be given the opportunity to earn back your previous rate if you make your minimum payments on time for six months ''. This opportunity was not afforded to me by the issuer as no additional payments were late after the XXXX, XXXX payment. However the issuer did not re-evaluate the account at six months, but rather continued to access the account a 29 % interest rate and would have continued to do so if not for my inquiry of today, XXXX XXXX, XXXX. I am seeking to recover the additional interest charged on the account from XXXX, XXXX thru XXXX, XXXX in the amount of {$210.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with XXXX since XXXX when I was in a deadly fire. I spent a great deal of time trying to get them to take the car back because I was not working and my husband was XXXX and I had been badly burned and injured. They had agreed to take the car back with no penalties. possibly just a small fee and if it needed detailing, which I had done for them. Somehow all of that information was lost during some switching of loan servicers and I received a letter saying I owed around XXXX. There was suddenly no record of the many conversations with supervisors. The bill has continued to grow and now that I am getting a new mortgage It is damaging my credit report. I loan advisor had asked me to call the collection agency that was the agency for XXXX, XXXX. I called them and discussed a payoff. I told them at one point XXXX said I owed them XXXX so I would pay that amount but I wanted to make sure they would communicate timely with XXXX and show the payoff agreement and cash my check I gave over the phone. I have a recorded conversation saying it would be done right away and on my credit report it would show paid as agreed OR settled in full. The chek took a month to clear. XXXX is not reporting this correctly. One agency it says I owe XXXX. Another says I owe XXXX and I paid XXXX. Another says Charge off XXXX. I have disputed this almost daily with letters of proof of payment and a letter from XXXX showing settled. I have called XXXX and they said it will never say paid in full or XXXX balance and they are not correcting it. I call XXXX almost daily and spend an hour or two while I wait on hold for a supervisor and they come back and ask me to call back another time. I have yet to speak with a supervisor. I have called XXXX and they say its not up t them to fix the credit bureau and its up to XXXX what they want to show on the credit report. This is after a 9 minute recorded conversation. This was very deceptive practice to collect for XXXX and for both of them to tell me it would report settled or paid as agreed with no balance and then not back it up after they received my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

U S DEPT OF ED Account # XXXX has been closed since XXXX. New lates are on my credit report reporting for XXXX.
Product: Checking or savings account

US bank bought out XXXX Bank. I had an account with XXXX and was only a signer on my mothers US Bank account. Once the merger happened, all XXXX accounts ( XXXX checking and XXXX savings ) show up as my account so when I use the atm, I dont know which is really my account. 
If I were a signer on a patients account that I help, as an example, Im sure he wouldnt want to be sharing the details of his account with me! 
Im a XXXX not her account owner. 
I had my own sign in for XXXX and I never had a personal account with US bank. 
As an addition XXXX years ago when I tried to get change at a small US Bank in a store, they wouldnt give me change because I didnt bank with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm escalating this concern because credit bureaus keep ignoring my request. They wont even tell me why they wont fix the account, I was never late on my payments. I send them on time..Reverse the late payments on my XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union is showing credit inquiries that I did not authorized so they were acquired without my consent. These companies should have never been givin access to my credit profile
Product: Checking or savings account

Wellsfargo sent a notice on XX/XX/year> for insufficient funds. Money was deposited on XX/XX/year>, a fee was assessed on XX/XX/year>. Wellsfargo representative refused to remove fee and failed to offer an explanation why the overdraft was allowed to happen. She ( XXXX XXXX XXXX also refused to provide immediate supervisors information and refused to escalate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan listed here is not accurate - account number, company name, payment history, everything is incorrect..Remove the student loans asap XXXX XXXX XXXX , XXXX XXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, XXXX/DEPTOFED  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Experian and XXXX to remove all consumer statements and personal statement. REMOVE ALL CONSUMER STATEMENTS AND PERSONAL STATEMENTS WITH EXPERIAN AND XXXX.
Product: Checking or savings account

I received emails indicating that 2 accounts had been opened in my name and that standard overdraft coverage for ATM had been declined. I never opened any accounts with Regions Bank and tried calling them to resolve the problem. They would not look up the accounts without me giving my social security number. They told me to file a complaint with the consumer finance website.
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. Experian, XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX : {$530.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I noticed there was a charge of {$310.00} from on XX/XX/2022. I also saw a button that said " Pay over time. '' So I clicked it. It was listed next to my charges. Chase 's advertising and the way the website was designed made it sound like it would charge my credit card {$25.00} over the next XXXX  months. It wasn't until I clicked " Confirm '' that it showed me the details that I had to make that payment with cash. I called them to try to cancel it, and they made it impossible to cancel. They do this on purpose to cheat their customers in order for them to get more payments. I tried calling them but they hung up on me without addressing the issue.
Product: Mortgage

I recently sold my home on XX/XX/XXXX. Select Portfolio Servicing was the company that serviced my first mortgage. I changed my address back in XX/XX/XXXX/XX/XX/XXXX as I was a victim of identify theft. 
Since closing, I have tried unsuccessfully to obtain pertinent documents, refunds due to me. The documents /monies due to me include : refund of any outstanding monies, ( they are saying they received a different amount than what my settlement statement states which affects my refund. Additionally I have yet to receive my XXXX  year end mortgage interest statement. The mortgage interest statement should've been mailed out by XX/XX/XXXX. I have attached docs to support that they have the correct address and have had it since early XX/XX/XXXX. Why haven't I received the pertinent documents due to me. 

Since my information has been removed from the system, I can only rely on the customer service agents, managers who are non-receptive to assisting me. I have heard nothing but excuses. I am requesting a full accounting of my account that includes and corroborates my settlement statement and emailed to me immediately along with my XX/XX/XXXX XXXX mortgage interest statement. Additionally I am requesting the correct refund check.
Product: Debt collection

I work for XXXX XXXX, and our receptionist just routed me a call from a debt collector named Midland Credit Management. I have no idea who these people are, and am not aware of any collections on my credit report. I am livid that they would have the audacity to contact my employer. When I told them to never call my employer ever again they just deflected so I hung up on them. No debt collector can ever contact my employer, and I would never give any third party company permission to contact me by other means aside from my personal cell phone. This could've gotten me in serious trouble as it would be highly frowned upon if I had debt in collections in my role. Please have them cease and desist all future contact with my employer in perpetuity. 

Thank you,