23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

i Have several credit inquiries on my credit report that i did not authorize, i disputed the inquiries and got a response bac in less than 24 hours stating that items had been investigated and they were factual, this is incorrect listed below are the inquiries 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 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 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
Product: Credit reporting or other personal consumer reports

My payment history typically shows consistent, timely payments.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX XXXX/Equifax XXXX XXXX - XXXX XXXX/Equifax/XXXX  ( duplicate ) XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX/Equifax/XXXX  ( duplicate ) XXXX XXXX - XXXX XXXX/Equifax/XXXX  XXXX duplicate ) XXXX XXXX - XXXX XXXX/Equifax I am filing a complaint ( above are the items ) regarding issues with DEPT OF EDU . 
I have filed many disputes with all XXXX credit bureaus on the following dates, XXXX. 
The issue is these account are well over 7 years reporting along with duplicate accounts reporting, And all paid in full. As you see XXXX has changed some account to Positive. 
As a result to these unsolved issues, This has caused me significant hardship. 
I'm Requesting the this CFPB assist in ensuring that this issue is removed from my credit report. And that the DEPT OF EDU honers the terms of my loan.
Product: Payday loan, title loan, personal loan, or advance loan

I have been payments to One Main Financial for over 5 years and the principal interest is still the same. When I am late on my payment I feel like I am being forced to refinance. They would offer me more money and the interest is higher. They keep offering refinancing or demand me to come up with payments otherwise they will repossess my vehicle. At the time I had no choice but to refinance or they will take my vehicle. Im so sad as I feel that I will paying a {$17000.00} loan for the rest of my life.
Product: Checking or savings account

I was expecting my Direct deposit today Friday XX/XX/XXXXbut it was not in my account at Simple Bank ( BBVA compass ) i verified with my employer that they sent it and it was to the correct account number. I called Simple customer service and they could not give me a turn around time of when it will be resolved. When i asked for a manager i was told that the manager cant help me either but went on to pur me on hold for 45 mins. I read online that this happens a lot with Simple. Pls help. The amount of my deposit missing is {$300.00}
Product: Credit card or prepaid card

I am in a serious health condition and my husband is XXXX of XXXX XXXX. Obviously, I am stressed to the XXXX. I XXXX XXXX and in the midst of one, dropped my card in one of my many boxes. IT IS NOT STOLEN and I am not concerned about that because I know I will eventually find it. I called and explained this to a customer service  representative, XXXX, with CitiBan

k and she assured me she would send me the same number, no problem, and expedited delivery. I spoke NO ONE nor did I do anything via non-verbal sources. It was important that I get the same number for many reasons ... I have many auto-pays that would need to be changed and a couple of the companies I purchase from will not credit for any returns unless I have the credit card in hand. They will give me a store  credit. That would entail a lot of money in credit that I can't afford to do.

Today, I received the replacement card and NO ONE COULD HELP ME because they said the other card was CANCELLED and could not be replaced now. That is NOT what was agreed to with their representative and I took copious notes to that affect. I XXXX XXXX XXXX XXXX XXXX XXXX and learned I need to always take copious notes! 

This has put me in such a stressful state with all I am going thru that I actually had to be sedated so I didn't go into XXXX. I am upset because ( 1 ) they didn't do what was explicitly agreed to and ( 2 ) they  say they can't ( won't ) be able to correct it. 

Very upset customer..
Product: Money transfer, virtual currency, or money service

In or around XX/XX/XXXX, I saw an ad online for help with debt settlement and called XXXX for help. On XX/XX/XXXX, XXXX representative XXXX XXXX came to my house, which I share with my partner XXXX XXXX. XXXX and I had both fallen behind on credit cards. At this meeting, XXXX told us that XXXX could lower our debts by XXXX XXXX, that they are experts with handling creditors, and that they would be in constant communication with us to negotiate down our debt. Based on this, we both enrolled in the program and began making monthly payments. Months passed and it was unclear to us what, if anything, XXXX was doing for us. It was hard for us to connect with anyone when we called and our calls largely went unreturned. Meanwhile, throughout XXXX and XXXX, debt collection lawsuits and default judgments were piling up against us from creditors. Each time we got paperwork, we sent it to XXXX but received no substantive update or response. Agents merely told us they would take care of it. They never recommended getting an attorney or formally responding to the lawsuits. We grew increasingly frustrated with this lack of communication or action. Feeling duped, we canceled our contracts with XXXX in or around XX/XX/XXXX. We received a partial refund of our escrowed payments minus fees and other charges. 

We went to our local legal aid for help and the lawyer helped us get copies of our documents. The lawyer explained the documents show many problems : contract inconsistencies on charges, XXXX did nothing on XXXX account and very little on mine despite about XXXX XXXX and XXXX XXXX of our payments going toward XXXX fees. Also, our XXXX contracts state that they will only begin to reach out to a creditor when XXXX XXXX of our debt balance is in escrow. However, at the rate of monthly payments and the XXXX-month term of our program, it is not even possible for us to save enough money for some of our debts to meet this requirements. It is also our understanding that XXXX is not properly licensed in California to do this work. 

We were set up to fail by XXXX. We paid nearly {$20000.00} dollars to them, with nothing to show for it. Instead we are in a worse position with our debts than when we were enrolled. I am XXXX XXXX old and XXXX is XXXX XXXX old. We are low-income seniors on a fixed income and this has been extremely stressful and harmful to our health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX XX/XX/XXXX. It was successfully discharged ( paid in full ) XX/XX/XXXX. The United states Bankruptcy Court sent this information to the credit bureaus. Two accounts were not updated with Experian. They are XXXX XXXX XXXX and XXXX XXXX. They were part of the bankruptcy and listed on the documentation provided to me by the US Bankruptcy Court. Even though the Bankruptcy Court sent official documentation, so did I. I mailed the official documents XXXX. I noticed by mid XX/XX/XXXX, there was no response or acknowledgement of receipt when checking my Experian account. I then filed a dispute online and uploaded the official documents. I received a response my dispute was complete. I viewed the accounts and no change was made. I called Experian and upon explaining my issue, I was told to dispute again. I did and the same thing happened. I called Experian twice more and yesterday an Experian rep placed me on hold and then the connection was lost. Within 30 minutes I received an email stating the dispute results were ready. I checked my Experian account and nothing changed. I called Experian again today and asked to speak to a supervisor. The supervisor stated they couldn't help me. I have been trying to get resolution more than a month for this issue and this is my life that they are playing God with. I need help and don't know where to turn.
Product: Credit reporting or other personal consumer reports

The credit report from XXXX XXXX  shows monthly payment missing. But the payment is all done accurately, and balance is XXXX still in my credit report it shows payment missed and it is impacting my credit score XXXX : 30 days late payment in XX/XX/year>. I am filing this complaint to get the payment missing reversed so that my credit score be improved
Product: Credit card

I got a mattress from Mattress Firm where I was encouraged to apply for store credit to help me budget. 
I was accepted for a store credit with a budget that covered the mattress. 

Synchrony handles the payments and approved my store credit. 
Multiple times, I've spoke to employees with loud background noise that make it unprofessional and untrustworthy to share information with over the phone. Such as dogs barking, people chatting loudly in the background. 

Today XX/XX/year>, I made a Synchrony employee aware that I was filing a report with the credit bureau because he said " alright I can not help you '' because I would not give him my personal card information over the phone, so he could manually process a payment. 

I have 2 cards on file with Synchrony website. 

Synchrony is sending me emails confirming and thanking my payment, although they are not deducting the payment from my account balance. 
This is causing late payment fees with warnings that my account will be closed due to payment failure. 
My credit score has drastically dropped XXXX points after applying for this mattress credit and it continues to do so. I have asked Synchrony employees to help configure what is going on, to dispute late payments or overall speak to someone who is aware of the situation. 
Employee asks for my card information so he can put it in manually, stating that I have a card from an unidentified bank on file. Although, Synchrony has taken payments from multiple cards of mine, in the past with no problem. 
The balance with the credit card goes unpaid, even while I get payment confirmations, thanking my payment. 
Essentially, this is my first time applying for credit and there is some sort of fraud going on while stealing my credit.
Product: Consumer Loan

im writing in regards to XXXX ameracredit sent to irs i have n't heard anything from this company for fifteen years now irs is making pay taxes on this im XXXX and need my tax return
Product: Debt collection

I am a victim of Identity theft and have file a Identity Theft Report with the FTC and my local Sheriff Department. I have reported my personal information being stole do to my house being broken into. Afterwards I notice accounts on my credit report that don't belong to me. I have never recieved good and services for this company listed belong. 
! 
XXXX XXXX XXXX XXXX This collection is the result of Identity theft. Please Delete Immediately!
Product: Debt collection

XXXX XXXX XXXX and PORTFOLIO RECOVERY ASSOCIATES is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. I have reason to believe this was done to coerce me into making a payment on an alleged debt without proof of claim. I am aware that nothing under the Fair Credit Reporting Act REQUIRES a financial institution to furnish negative information to a consumer reporting agency. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. I did not consent or authorize Portfolio Recovery Associates obtaining my nonpublic personal information and unauthorized use of my credit card defined under 15 USC 1602 ( l ) is a violation of 15 USC 1602 ( p ). Consumer reporting agencies involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation. XXXX XXXX XXXX illegally transferred the account in reference without lawful authority to Portfolio Recovery Associates which is a violation of code 18 USC 1028 ( a ) ( 2 ). I have never conducted business with Portfolio Recovery Associates and I have not benefited from this transaction which is also a violation. Without lawful authority, by using means of my identification Portfolio Recovery Associates is committing aggravated identity theft. Portfolio Recovery Associates is attempting to collect on this account by extortionate means pursuant to 18 USC 894. Due to continuous acts of deceit, coercion and intimidation, my consumer report has suffered drastically. Therefore, I would like to inform Portfolio Recovery Associates that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I have attempted to rectify this matter multiple times but due to the mutually beneficially business relationship with the consumer reporting agencies, I have reason to believe they are engaging in racketeering activity as well. Multiple verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

2 ) In accordance with the fair credit reporting act XXXXXXXX XXXX XXXXXXXX has violated my rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

In XXXX of this year my credit card was used in XXXX XXXX, I do not have the exact information where it was used, I have charges for XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX roses XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, foreing currency fee XXXX, adjustments XXXX,
Product: Credit reporting or other personal consumer reports

XXXXXX/XX/XXXX-TransUnion XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX
Product: Credit reporting or other personal consumer reports

The Credit Bureaus XXXX, Experian XXXX XXXX, can not provide evidence that I consented to them reporting my non-public information, transaction history and that I gave up my federal rights to opt-out and sharing my private information with affiliates/nonaffiliates. 

Their violations for several years has severely affected my ability to live, work, educate and function financially as a federally protected consumer. The data breach is proof of claim that the willful sharing of my private nonpublic information with affiliates and non-affiliates has made it possible to exposure and theft of my private information caused financial loss. Which has continued to adversely compromise my right to pursue happiness. 

I have given my instructions to the third-party agency to Remove transaction history and the following per the Federal Law. Instead of adhering to my federal right to opt-out I did not authorize the public display of my nonpublic information. 
( 15 U.S. Code 1681b - Permissible purposes of consumer reports ), ( 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ), ( 16 CFR 313.1 - Purpose and scope. ), ( 15 U.S. Code 6801 - Protection of nonpublic personal information ), ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ), ( The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), ( The Privacy Act of 1974 ( 5 U.S.C. 552a ) 552a. ), ( 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. ), ( 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION ), ( 15 U.S. Code 6805 Enforcement ), ( 15 U.S. Code 1692e - False or misleading representations ) XXXX SEC Commission File Number XXXX XXXX  XXXX IRS XXXX XXXX SEC Commission File Number XXXX XXXX  XXXX IRS XXXX XXXX SEC Commission File Number XXXX IRS XXXX XXXX EXPERIAN SEC Commission File Number IRS XXXX XXXX XXXX XXXX XXXX XXXX  Number XXXX XXXX XXXX XXXX SEC Commission File Number XXXX XXXX  Number XXXX IRS XXXX XXXX
Product: Checking or savings account

THE COMPANY HAS BLOCKED MY BANK ACCOUNT. AND I CAN'T GET MY MONEY OUT, I ALREADY WENT TO THE BANK IN PERSON BUT THEY TELL ME THEY CAN'T HELP ME ALSO CALL THEY ALSO TELL ME THEY CAN'T HELP ME, THEY TELL ME EVERYTHING IS OKAY THEY DON'T UNDERSTAND WHY I HAVE BLOCKED MY ACCOUNT,
Product: Checking or savings account

I recently received a {$5000.00} transfer that I decided to set up a chime account for receiving those funds. They promised immediate access to the funds. However, once the account was set up and the funds were transferred, I could not access the funds. The virtual card number is not accessible and when I contact the Chime, they do not resolve the issue. The physical card is not scheduled to arrive until 14 days after opening the account. This is unacceptable for any banking institution to hold your funds in this way. And it is now my understanding that Chime is not a banking institution but has partners such as XXXX and XXXX XXXX that handle the banking portion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are violating my consumer right under the Fair reporting acting Account : Self XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am having trouble with bank of America about a house I bought in texas. They continue to stall or not communicate with me or my realtor. This has been the problem for 18 months. I have filed a complaint ... # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I called all 3 credit bureaus ( transunion, XXXX, XXXX  ) have asked them to remove all of my old addresses and phone numbers that are on my credit reports they said they would but none has yet to be removed. I have also asked them to remove XXXX  XXXX from my accounts as this is account is reporting incorrectly on to all my credit reports. XXXX XXXX has also been contacted with nothing done.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting inaccurate information the following accounts date last active is incorrect I notified the company via postal mail on XX/XX/XXXX the company has responded that all information remains the same and I disagree there reporting in accurate information and are in violation to 15 U.S.C 1681 XXXX  is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX XXXX
Product: Debt collection

submitted a final complaint to XXXX XXXX XXXX after filing six complaints regarding identity theft issues. The most recent complaint was lodged within the last 30 days, and on XX/XX/2023, they responded by rejecting my claim. Throughout this process, the bank has made several errors and has been unwilling to provide me with an itemized statement that would allow me to identify potentially fraudulent charges. Instead, they only submitted a proof of lending document and statement grand totals without any itemization. Moreover, I am unable to access my account as I am no longer a customer. Adding to the ordeal, the bank lost my last fee payments and then advised me to close the account during the COVID-19 pandemic. I had to file a claim for the lost payment, which the bank eventually found, but by then, my credit had already been severely damaged. I feel like I am being bullied by this trillion-dollar bank, and their actions are causing significant pain in my personal life and impacting my credit with no resolution in sight. To make matters worse, XXXX XXXX XXXX sent Cooling & Winter to my brother 's home, and they intimidated him. As a result, my brother filed a police report of harassment against Cooling & Winter and XXXX XXXX XXXXXXXX. I urgently seek assistance in resolving this situation, as it is causing distress in my personal life and damaging my credit. Your intervention and guidance in dealing with this billion-dollar bank would be greatly appreciated. 

This is my 2nd complaint with CFPB and I am asking to dismissal due to this company not providing me with my account ( s ) statements to look over the fraud activities on the accounts.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. PROVE THAT THESE ARE MY ACCOUNTS SINCE NO PERMISSION WAS GRANTED.