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

The Following is a list of Creditors that obtained my Personal Credit information and conducted an inquiry to the major credit bureaus. The date are all listed and how many times the requested my information in turn producing an inquiry, In XXXX I sent a request to all creditors asking for verification due to multiple fraud alerts on all three major credit bureaus. As of XX/XX/XXXX approximately 120 days I have yet to receive verification of the multiple a credit inquires. All Three Credit Agencies XXXX, XXXX and XXXX have reported these creditors as causing an inquiry. Since I have not yet obtained verification I would like the creditors to remove their Inquires in a sufficient amount of time or provide, My signature and proper identification that it was me that requested the information. The following is just from XXXX report XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 7 Inquires to XXXX   XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 7 inquires to XXXX   XXXX - XX/XX/XXXX -1 to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 11 inquires to XXXX  XXXX - XX/XX/XXXX -1 Inquiry to XXXX  XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 3 Inquires to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, - 3 inquires to XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 7 inquires to XXXX  XXXX XXXX  - XX/XX/XXXX -1 inquiry to XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX  Credco - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - 3 inquires to XXXX   XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, - 2 inquires to XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX   XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - 2 inquires to XXXX   XXXX XXXX - XX/XX/XXXX 1 inquiry to XXXX XXXX XXXX - XXXX inquiry to XXXX   XXXX XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX   XXXX XXXX - XX/XX/XXXX - 1 inquiry to XXXX  XXXX XXXX  - XX/XX/XXXX - 1 inquiry to XXXX
Product: Debt collection

I had a {$5000.00} promissory note assigned to me in the short sale of my condo back in XXXX. Dyck O'Neal was the debt collector in charge of servicing my note. From the beginning, communication was poor. I began paying on my promissory note In XXXX of XXXX. I set up an autopay and each month, from XXXX of XXXX through XXXX of XXXX, Dyck O'Neal was paid the agreed upon monthly amount. In XXXX of XXXX, I began receiving late payment notifications in the mail, which confused me since I was on autopay. When I called Dyck O'Neal and inquired, they told me my account was fine and my monthly payment had been received. I continued to sporadically receive late payment notifications, and another time when I called, I was told my loan needed to be modified and they would send me the paperwork. Twice, I never received the paperwork they said they sent. So even though I paid Dyck O'Neal every single month, my account was in default. They never once told me this would affect my credit, and that my account was showing late payments month after month on my credit report. Whenever Dyck O'Neal would try and contact me, it was during working hours, and they would never leave messages. I finally did modify my account this year and ultimately paid the remainder off just to be done with them. I am extremely upset that my credit has been destroyed due to their lack of communication and mixed messages that I was told over the past 5 years. I never missed a month in payments, and I don't believe my credit should be impacted by this company.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. BRCLYSBANKDE XXXX and BRCLYSBANKDE XXXX
Product: Debt collection

Credit Collections Service has failed to provide any documentation giving them the legal right to say i owe them an alleged debt in the amount of {$160.00} and to respond to my cease and desist notice sent on XX/XX/XXXX to an address specified herein. Credit Collections Service has reported this Deceive and inaccurate information on my credit report to XXXX, XXXX, and XXXX without my consent tarnishing my character and general reputation. Credit Collections Service has abused and deceived me into believing that I was obligated to pay this alleged debt. Credit Collections has violated the Fair Credit Reporting Act, Fair Debt Collection Practices Act and the Dodd-Frank Act and must be held accountable due to Non-compliance. ( 15 usc 1692k ( c ) ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) - Proof of Claim
Product: Credit reporting or other personal consumer reports

I sent a handwritten letter by certified mail to experian, it included some accounts I wanted verified or removed, I included a a signed and notarized copy of my social security card and state ID. They sent a letter back saying they received a request that doesn't look to be sent by me or authorized by me, and left a number for me to call, when I called the lady informed me that they weren't going to honor my request and she couldn't disclose what security protocol I failed to meet which caused their letter to be generated. Then she went on to say I could dispute place my dispute in over the phone, when I informed her that wasn't a feasible method for me she told me to write another letter and send it, I asked her what would be the difference in how they handled the second letter compared to the first being that they would be the same letter. She said she couldn't disclose that information to me. I tried disputing the accounts online and nothing was physically verified so I wrote a letter to request verification. I sent a notarized copy of my state ID and social security card to prove my identity, so there shouldn't be a problem with that.
Product: Credit reporting or other personal consumer reports

Please Delete these inquiries XXXX XXXX XXXX  XX/XX/year>25 and XXXX XXXX XXXX/XXXX/25 were done fraudulently and unauthorized without consent. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate Invalidated credit information. Thank You in advance.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or DELETE. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXXXXXX **** Balance Owed : {$3200.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX not mine
Product: Debt collection

After I left my former rented apartment in XX/XX/XXXX the landlord charged me for damage that was pre-exicting as documented on the move in checklist and held my deposit. I disputed it with the landlord requesting my security deposit. 
In XX/XX/XXXX I found a collection agency reporting the debt. I sent them a letter that they received and signed by the collection agency in XX/XX/XXXX at XXXX XXXX  disputing all charges and they didn't respond to the letter and continuing to collect and reporting the collection to credit bureau.
Product: Debt collection

On XX/XX/2019 I received notification regarding an alert for a change appearing on credit report. Upon checking my report I noticed a collection account fro. Midwest Recovery Systems. The account lists XXXX XXXX XXXX XXXX XXXX as the creditor with an amount of {$680.00}. I've yet to and received as per their Fair Debt Collection Act section 809 which states the consumer must receive notification of the debt within 5 days of the agency whom acquired the debt. Midwest Recovery has clearly violated the Fair Debt Collection Practice Act as well as my consumer rights. I have also sent Midwest Recovery Systems an affidavit of denial XXXX Not verification ) because this debt never belonged to me. MIDWEST RECOVERY HAS not responded and it has been over 30 days since this account has been reporting on my credit report. I recently was denied credit due to this inaccurate information which is totally unacceptable.
Product: Credit card or prepaid card

To be completely honest, I am so overwhelmed and confused at Capital one 's practices it is unreal. They have been reporting late payments when I wasn't late. There are more then XXXX instances. I have dealt with XXXX deaths back to back in the last year from people closest to me ( my dad and my sister ). I recently had the XXXX and was out of work for XXXX month with no pay. Capital One has absolutely done more good than damage for my personal credit report. I phoned in on XX/XX/XXXX I believe it was to make payment arrangements. Keep in mind I always pay my cards off in full. I just hit a bump in the road. I was placed on XXXX different payment arrangements as I have XXXX accounts one ending in XXXX and the other ending in XXXX. This pandemic has literally taken a toll on the best of us. The late payments reported have literally killed my credit. I'm a single mom who works XXXX jobs, have a kid in XXXX and one in XXXX who plays XXXX. I'm trying the very absolute best that I can. I also called in yesterday XX/XX/XXXX and asked for a print out of all the payments made and was on hold for over XXXX minutes. I then told the rep that this isn't an unreasonable request and I no longer could be on hold. I wake up at XXXX XXXX everyday for work. I needed to get to bed. I just want this rectified. This is absolutely unacceptable.
Product: Checking or savings account

I used online bill pay to pay my HOA fee in XXXX and XXXX, BOA appeared that they should mailed the paper check to the bank which HOA named. I did XXXX XXXX through BOA online bank on XX/XX/XXXX and XX/XX/XXXX, BOA appeared the paper check delivered on XX/XX/XXXX and XX/XX/XXXX. But HOA charged me the late fee in XXXX, because they received my HOA fee on XX/XX/XXXX! the due day is XXXX per month. This month, XXXX, I just confirmed that HOA received on XXXX! This month they sent me which check they received, I found they received the paper check is not from BOA that I used the bank! Inkstand of bank is XXXX XXXX! and date on the check is not the date I did bill pay, instant of the date which the check delivery date! I do not know what happened with BOA, but I am sure there has some serious problem at my BOA account! I attached the file about this case for your reference!
Product: Credit card or prepaid card

I have been a Bank of America customer for 30 years and never received a call back regarding this matter. I had contacted Bank of America to question a charge of {$930.00} on XX/XX/24 that it was not authorized. In addition, to another charge but they have never bothered to call back. They have not answered all my questions to the complaint. I requested a copy of the paperwork and none of them had my signature on the receipt that I approved the charges. Bank of America never investigated my claim and closed the case. Also, Bank of America Regulatory Dept. XXXX XXXX never called back after I left numerous messages for her for almost a month and but she never called back and I have been a customer for 30 years! Wow! 

Bank of America doesn't follow Federal banking laws and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditors " XXXX XXXX '' and " XXXX  '' are reporting me late/charged off for XXXX. XXXX XXXX has been paid in full and was close in XXXX. XXXX has also been paid in full and closed on XXXX. A new chargeoff status or late should not be appearing for year XXXX. I have attached a pdf file to show the inaccuracies. Equifax appears to be the only agency to be reporting this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I initiated an online dispute to Equifax regarding XXXX unauthorized inquiries on my credit report. On XX/XX/XXXX I  received an email from Equifax stating all inquires came back as factual record ( 5 day investigation ). I called Equifax on XX/XX/XXXX around XXXX XXXX and spoke to a rep by the name of XXXX and requested he send me the documentation they have ( from each company ) showing I authorized all of these companies to pull my credit report. XXXX stated " they do n't have any documentation '', he stated the companies are not required to provide that information and for me to call the company. I advised XXXX that the CB is responsible for making sure all things are factual before reporting. I requested to speak with a manager and  was transferred to another gentlemen by the name of XXXX. I explained to XXXX that I am now requesting documentation they used to confirm I authorized theses companies to pull my credit report. XXXX stated they can go by word of mouth from these companies. So that means anyone who has my social security number can try and obtain credit!? XXXX also stated that the companies who pulled my credit for inquires are " members of Equifax '' so they tend to believe what ever info they provide. I requested ( on a recorded line ) that they submit what information they had to states the inquires were factual and neither party was able to provide that information. XXXX just stated he would document the call. I have XXXX inquires that I did not authorize and would like them deleted
Product: Payday loan, title loan, or personal loan

I purchased a clothes dryer from XXXX XXXX XXXX several months ago. I have made all my payments within the week due before a late fee was assessed. I am XXXX XXXX and get paid at random times which I told them at time of purchase. The date my payment becomes due, the company starts repeatedly calling and texting my personal and business phone. They proceed to call at least 12 times a day. Twice I have asked them not to call me repeatedly and that I would report the practice as harassment but they continue to call several times afterwards. Today they have called 12 times. My payment was due on XX/XX/XXXX so it has just reached one week which is the latest it has ever been. I usually pay it within 3 days of the due date. This is affecting my work and I an unable to answer business calls because they continue to call about every hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : LexisNexis ; Consumer Number : XXXX. A dispute letter dated XX/XX/XXXX ( attached ) was mailed to LexisNexis and received by LexisNexis on XX/XX/XXXX ( see attached certified mail receipt. ) This dispute included 9 errors which were listed in my LexisNexis consumer report. LexisNexis was unable to complete the investigation or reinvestigation within 30 days of receiving my dispute as required by section 611 of the Fair credit Reporting Act ( FCRA. ) Therefore, all items I disputed in my letter dated XX/XX/XXXX should be deleted immediately as stated in the FCRA section 611 because the items disputed could not be verified causing the investigation to be incomplete. On XX/XX/XXXX I received a response letter from LexisNexis dated XX/XX/XXXX ( attached. ) In their response letter, LexisNexis stated they " did not receive a response from XXXX, XXXX or XXXX or that the dispute submission may have been lost. '' I disputed directly with LexisNexis, not XXXX, XXXX or XXXX  so that excuse is irrelevant. If LexisNexis needed more time to conduct the investigation or reinvestigation, they should have contacted me and requested additional time and they failed to do so. Since the 30 day investigation or reinvestigation was to conclude on XX/XX/XXXX, LexisNexis should have provided me with results. As of today, XX/XX/XXXX, I still have not received reinvestigation results for this dispute and I have not received an updated copy of my LexisNexis Consumer file. Finally, on XX/XX/XXXX I received a response letter from XXXX dated XX/XX/XXXX ( attached. ) In their response letter, XXXX states that LexisNexis agreed the error was made by LexisNexis and that LexisNexis has removed the item from my consumer file. LexisNexis has failed to communicate this error to me as required by FCRA section 611. As you can see by my written complaint and the attached letters, LexisNexis is in clear violation of my consumer rights, the FCRA and should be fined and held accountable for failing to conduct a timely investigation.
Product: Checking or savings account

Huntington Bank has given me 5 and I repeat 5 different stories on depositing checks availability. They DO NOT TRAIN THIER PEOPLE AT ALL TO BE A GOOD TELLER!! 
I deposited a check on XX/XX/2019 for {$300.00}, it was from my mother. 
I asked when will it be available?? 

teller 1 : We do not know, it depends on what the " back office '' decides. 
teller 2 : Possibly tomorrow, and for {$250.00} will be available teller 3 : Possibly tomorrow, and for only $ XXXX wll be available. 

I asked : My account is new, when will funds be available the next day guaranteed?? 
After 6 months!! teller 1 After 2 months. teller 2 I dont know teller 3 This bank is Pathetic!!!!!!!!!!! Talk about being vague, and hiring young kids that know absolutely NOTHING!! 

I have other accounts, it is all in black and white on funds availability, this bank needs to be investigated, and I mean NOW.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I paid my loan off in full over the phone with my debit card to the online loan company, Big Picture Loans. The amount debited my account successfully and no refunds of the amount were ever made back to my account. Then, on XX/XX/XXXX, I began receiving phone calls and texts from Big Picture Loans stating that the amount was never debited and that the amount had actually been credited back by the lender. In an attempt to resolve this, I contacted Big Picture Loans and asked the representative to initiate a 3-way call to my bank to verify that the amount had in fact been debited. This occurred on XX/XX/XXXX and the XXXX XXXX XXXX representative was able to successfully verify that the amount owed to Big Picture Loans had been successfully debited on XX/XX/XXXX and that no refunds in that amount had been processed back to my account between the dates of XX/XX/XXXX and XX/XX/XXXX, from any entity. The representative refused to believe that this information was accurate but stated that they would look into the matter further. Since then, the company has attempted to contact me multiple times via telephone and text in an attempt to collect the amount that they say is owed, despite having evidence that no debt exists, per XXXX XXXX XXXX. I repeatedly asked the representative to send me this information in writing but was ignored.
Product: Credit card or prepaid card

I noticed a discrepancy with my credit card transaction with XXXX. I was charged higher than what was shown while booking the ride. I called Chase asking them to partially dispute the charge for the extra amount. But, Chase customer service refused to raise a dispute and informed that they cant do anything at the moment. 
This is very disturbing and a violation of card member agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with XXXX XXXX XXXX XXXX and was turned down i believe for information that is False. XXXX  company stated that my Equifax credit report shows Serious delinquency and my length of time with credit is too short. Please see the below attachments. Moreover, my credit score is XXXX. Please reconsider your decision based on my information provided. I attached information showing that i have nothing in collections and I have XXXX  years worth of credit! Equifax is reporting False information. This dispute is with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another XXXX Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) The Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.Under the provisions of the FCRA section 605b, I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I had recently been notified that my personal information had been leaked by XXXX, which then prompted me to check my persons credit report during the last week of XXXX and noticed that there were several in accuracies revolving around my Navy Federal Credit Union loan and credit card. More specifically the payment history reported to XXXX and XXXX. There were also issues regarding the status of the account at the time of me checking end of XXXX. I attempted to dispute these inaccuracies through XXXX and XXXX but had no success in having the issue resolved. I recently filed another dispute in a last attempt to have these issues resolved. My credit report in accurately shows that I have no accounts and no payment history. Essentially dropping my score well below what is acceptable to get access to necessities associated with me achieving life and liberty. I hope that this complaint can aid in provoking the speedy remedy of this injury to my persons in regard to this credit report.