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

1. Received a hard credit inquiry from a company called CBNA on XX/XX/XXXX and I don't know who this is and what its all about. I just saw it on my credit report and want it removed. I called the company and they have no knowledge of what I was saying or trying to resolve. 

2. Received a hard inquiry on XX/XX/XXXX from XXXX and I don't know where this come from. I happen to see it on my most recent credit report so I called the company and was told that it was only supposed to be a soft inquiry and had no idea how it was reported as hard inquiry. This conversation took place on XX/XX/XXXX and the inquiry is still there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX issue with XXXX XXXX XXXX  inquiry account.First at all I always pay my credit card on time but unfortunately I got XXXX delinquent account I dont recognize at all its made my credit score down since XXXX months I tried too many time to call them I mean XXXX XXXX XXXX but nothing resolved for remove it The item appears on my credit report since XXXX  and the balance is XXXX $
Product: Credit card

There have been several occasions since I was issued a Sam 's Club Credit Card. Initially, I was to use a card with my membership number, then later on I was issued a card with an account. number. The problems were unexpected because I had been paying the the bills on time. After I spoke my cause to the company, I expected the problems to stop, however, they have become worse. 

The problems : -duplicate charge of over {$200.00}, -unaccountable charge of {$47.00}, -card was denied at the register, -I would receive calls telling me there was a fraud alert on the account and I would have to call to clear the alert, and -the online account was not accessible. 

I prefer to pay my credit cards online. I also visit my online accounts frequently. I need the online access and the banks know that ; as such, I am convince they are harassing me as to discourage online activity as well as use the credit card. 

Although I have had few such issues with other banks, XXXX XXXX, and XXXX, SamsClub.com has been very troublesome. 

Please advise.
Product: Credit reporting or other personal consumer reports

We got a mortgage with XXXX XXXX Mortgage in the summer of XXXX. They reported us as having missed the XX/XX/XXXX and XX/XX/XXXX payments even though we did not, and they had assured us they wouldn't report us as late until they resolved thier internal investigation. We had provided them with proof of payment as well as bank statements showing payments were made. Six months later XXXX told us they sent letters to all three credit agencies to repair the mistake. XXXX corrected it, but Equifax and XXXX will not. I have filed multiple disputes with both, including providing all documentation and they will not correct the error. I have tried to talk with someone at both agencies but get the run around. We are at a year now that this issue has been unresolved and are at our wits end knowing we were wronged but can not get anyone to fix our credit! This is criplling our borrowing power or ability to refinance our house and needs to be resolved.
Product: Mortgage

I received a act 91 notice from seterus, my mortgage servicer. This company is well aware that XXXX  XXXX placed me in a modification problem that ended XXXX 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

My score is reduced with no changes to my report. I believe reporting is being done fraudulently and does not actually reflect my accounts.
Product: Credit card or prepaid card

I made purchases on my personal credit cards for a company I was working for on the agreement I received reimbursement first before giving the products to the receiver. I was told to set up repayment on accounts through Wells Fargo. I was given account numbers and routing numbers from Wells Fargo to get reimbursed. I submitted my card balance after purchases and Wells Fargo paid my balance. After repayment I made additional purchases and was repaid through Wells Fargo. After about a month of this purchasing and repayments Wells Fargo returned all my payments and all the balances from the beginning were put back on my credit cards. My balances are up to 3 to 4 times the limit on my credit cards which proves payment. I have never been allowed to make a purchase over my limit on a credit card. This occured from the end of XX/XX/2018 through the end of XX/XX/2018. Once the payments were reversed I immediately called all my credit cards involved and let them know what happened and told them about the fraudulent payments. Then at the end of XX/XX/2018 my credit cards said I was responsible for the balances. I then contacted police, my credit cards again, Wells Fargo, three lawyers, The dept of consumer protection, and the OCC. The numbers of the accounts and routing numbers were all good from Wells Fargo when checked. I feel Wells Fargo should be responsible for paying my balances since they originally did so and lead me to believe the payments were legitimate. I have never been able to pay bills without money in my account. I do not have the money to pay back and my credit is destroyed.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic, XX/XX/XXXX, I contacted XXXX XXXX for late payment forgiveness for obvious reasons at the time. I had missed my payment and contacted them once I paid it off to see if they would forgive the missed payment due to the global crisis. Instead, they returned and ADDED a second missed payment to my Transunion account from XX/XX/XXXX. I have no idea where that came from or why I wasn't notified but having two missed payments on my credit is hurting my business as we are growing and looking to secure financing. 

Those missed payments do not accurately reflect my credit worthiness. 

Please help me fix this and hopefully remove both of these missed payments from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 credit cards that credit one has failed to report to all 3 major credit bureaus that I have paid each month. For over a year I have been paying my two credit one cards, they take my money but fail to report to transunion and XXXX  and they have not updated XXXX  since XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Equifax several times to provide information on two separate accounts. Account # XXXX ... ... and Account # XXXX ... ... I asked that they supply information on how these accounts have been verified and have not gotten any responses from them. I also asked them to change my date of birth because it is also being reported wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax has reported on my XXXX XXXX XXXX. account that it is reposession even though it has been settled in full and no lien on the car and also have reported as of XX/XX/2018 as a credit card when it was a car loan ... ..also i have a issue with XXXX XXXX for not removing my XXXX XXXX account as late when the account is closed and is past the statue of limitations but equifax has also reported the XXXX XXXX XXXX XXXX account as a credit card when its a car loan as of XX/XX/2018 i have personally disputed XXXX XXXX XXXX XXXX and XXXX XXXX with equifax for the last 2 years and no matter how many disputes i mail them they refuse to remove either account from my report so i can not get a car
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been the only consumer reporting agency that has been difficult to file a dispute online. The only link provided after viewing your report is broken or doesnt load. This should be fast and effortless. The other XXXX agencies made it very easy with an excellent user interface and clear instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing Equifax that I was a victim of identity theft. Equifax is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the XXXX website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the XXXX  website & provide a photo ID for their records. Equifax has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5900.00}
Product: Credit card or prepaid card

I paid off my promotional deferred interest balance last month but I had pending transactions that could not be paid yet and they added those new charges to my promotional deferred interest amount. 

They do not have an option to pay just the deferred portion only and told me that it was my fault for not understanding how it works. 

I talked to a manager and they had no interest in helping me and told me that if I wanted to make sure it was paid off I need to not use the card until the promo was paid. 

Citi Bank " BestBuy credit card '' and the deferred interest program is a fraudulent way to rip off responsible consumers by using predatory lending practices to hit consumers with massive amounts of back interest through hidden clause 's buried deep within a mile long agreement!
Product: Credit card or prepaid card

Lowes credit card ( synchrony bank ) is turning down my dispute for roughly XXXX $ they lied on the phone and said all my signatures are on the receipts with in the 56 transactions Ive opened 5 claims sinceXX/XX/XXXX sent affidavits which they say they never received which Ive mailed faxed everything. They wont send me the proof of receipts with the signatures. This is ruining my credit and they are breaking their 100 % fraud they had in there forms when I applied for the credit card and they have record of my account being hacked and turned over with other peoples information took me months to get the info changed back to my information. I just want this dispute closed and off my records worst credit card services with no protection would high recommend to not do anything through synchrony bank
Product: Mortgage

I recently filed a complaint that was closed by Mr. Cooper. In their response Mr. Cooper lied to this agency and by default to us once again. 

Mr. Cooper and XXXX XXXX have systemically lied to us in what seems to be an effort to drag this out to a foreclosure date. 

Even after Mr. Cooper responded to a previous complaint we received documentation from Mr. Cooper XXXX XXXX XXXX ( XXXX XXXX XXXX in her email address ) refusing to supply us with the information we requested. Her email reply and XXXX reply do not include the very specific documents we requested. ( Attachment : XXXX XXXX XXXX XXXX ) and ( Attachment : XXXX  ) In fact Mr. Cooper employee, according to XXXX XXXX, lied to us. She very, VERY clearly stated XXXX XXXX OWNS our loan. She has repeatedly used the word own in replies to us AND to this agency. This is a falsehood. ( Attachments XXXX and MrCooperXXXXr ) We sent an email making it very clear what documents we were looking for yet XXXX did NOT provide the correct documents. 


Attached you will see her documents stating XXXX XXXX OWNS the loan AND documents showing XXXX XXXX denying they OWN the loan. 

Mr. Cooper will claim she misspoke but it is in several correspondence from employee XXXX XXXX. 

Mr. Cooper has engaged in this type of fraud and deceit for years causing both mental health and physical conditions to deteriorate for myself and my mother and they should be held responsible. 

The loan is predatory originating from XXXX in 2006, we have paid an estimated {$130000.00} on an {$80000.00} loan and they want {$66000.00} more. Mr. Cooper has failed to provide documents as requested. Repeatedly.
Product: Credit card or prepaid card

On XX/XX/XXXX I took my court order to change my name from XXXX XXXX to XXXX XXXX to a Chase branch in XXXX, XXXX Everything was changed a new signature card was signed. I called the credit card branch where they said they would send me a new credit card. The card arrived with my old name. I called again today and now they are saying my name has not been changed and there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint with Transunion about inquiries that were on my credit profile. Instead of the company clearing up this matter, they decided to ignore my request to validate the inquiries. They insisted that I had to follow up with the companies because the companies were the ones who placed the inquiries on my account. I told them that I was filing a dispute about their reporting and that it was their responsibility to make sure that the inquiries that they were reporting should be validated on their end. They chose to ignore my request for validation. I followed up with a second letter on XX/XX/XXXX asking them again to validate the inquiries but they chose to not validate the accounts and Instead place a fraud alert on my credit profile instead of doing their jobs and completing the investigation. I am concerned with the validity of these inquires on my credit profile and it represents a serious error in their reporting on my credit profile. Both letters were sent via certified mail and the signature receipts are attached to this as well. 

I also attached the certified mail receipts from when they signed for each of the letters referenced above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received an email on XX/XX/ stating that I applied for a installment/payday loan with XXXX. I have been a victim of ID theft. I called the company and informed them I did not apply for this. I was instructed to complete a police report, and this would be investigated and removed from my credit report. My police report was submitted on XXXX  I received an email today XX/XX/, stating that investigation has been completed and that I was the one that applied for the loan. This is Absurd and I am going to obtain an attorney if needed.
Product: Credit card or prepaid card

Spirit Airlines offers a credit card that goes through Bank of America. The card offers " XXXX XXXX priority boarding on all flights '' ( from spirit.com credit card application ). I applied for the credit card which I had for about a little over a year. I booked my spirit flights through spirit website and paid with my spirit credit card. My flights are XXXX XXXX instead of the advertise XXXX  XXXX on all flights. 

A company should not advertise such benefits if they are not able to honor it. I reached out to Spirit about the matter but no one fully addresses the situation.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against [ Credit Bureau Name ] regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX, while my credit report shows an outdated address of XX/XX/XXXXXXXX. I request that my current address be updated accordingly. 


XXXX. Incorrect Wrong Date of Birth : My correct Date of birth is : XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and saw multiple unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( PAC AUTO FINANCE ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( PAC AUTO FINANCE ) of any sort. 

In regards to The company ( PAC AUTO FINANCE ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( PAC AUTO FINANCE ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Executive officer XXXX XXXX has refused report to Experian, XXXX, and XXXX to CLOSE my trade line to state, that I paid my settlement in full as agreed already.
Product: Mortgage

We are in the process of a short sale since XXXX 2015, a completed short sale package was sent to Seterus & XXXX to be processed, including all updated financials every month. I received an email from XXXX that they can not move forward because they are waiting on the Servicer, Seterus to complete the necessary paperwork that XXXX needs in order to Approve the Sale. I have contacted the seterus negotiator via email and have called the customer service number at Seterus and has not received a response. On XXXX/XXXX/2015, I contacted customer service again, and requested a manager/supervisor to step in and help with moving this file forward since the Negotiator has been silent for over a month. They told me they say that the last time the file was touched was on XXXX/XXXX/2015 and that buy XXXX/XXXX/2015 XXXX would hav ewhat they needed. Well I follow up today and this was the message I recieved from XXXX:XX/XX/2015 XXXX Sales Borrower eligibility is still being determined. We are still waiting for Seterus to complete their portion of the short sale review. If you have questions regarding the required documents or need an update on the short sale please contact Seterus directly at XXXX. Thank you. 

Can you help?
Product: Debt collection

This debt collection agency reached out to my biological father, not myself, on multiple occasions despite him requesting to have his number removed from their system. The last call he received was from XXXX XXXX XXXX and provided him with extensive information about my accounts and account history. XXXX XXXX XXXX also made inappropriate comments about my character, told my father that they " are not my babysitters '' and made multiple malicious comments about me. He provided them my contact information, which I then received a call greater than 2 weeks later from another agent. When I attempted to discuss my concerns about the previous agents behavior, I was threatened with lawsuits and told that it was not illegal to share my information with my father. The agent was very aggressive and rude. Not only did all of this happen, but I have already filed a dispute about this transaction for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel personally targeted by Experian when it comes to my credit reporting. Over the years Experian have constantly report my account incorrectly and often time randomly drops my score for no logical reason. Hence why my score with Experian is the lowest out of all the 3 credit bureaus. Recently, on XX/XX/XXXX Experian dropped my score by -15 points after I reported my new address. There was nothing else going on with my report that would have triggered such a negative score drop. Also, Experian refuse to update the balance on my XXXXXXXX XXXX XXXX after I paid it off. The statement on this card closed since XX/XX/XXXX, XXXX sent the updated balance to all 3 bureaus and balance was properly updated on XXXX and XXXX within 3 days- Today XX/XX/XXXX still no update from Experian. In prior months, Experian would update this card 's balance within 3 days, ironically now that it's paid off, Experian refuse to update the information sent to them, why??? I'm tired of disputing items, just report things correctly and stop dropping my score whenever you feel like it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # 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