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

This information is wrong on my personal information with Equifax. The following information : Equifax XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX I have never lived anywhere else in the United States but in ALABAMA and locally to XXXX, ALABAMA. This is not my address and I have no affiliation with anyone that lived there. Please remove this address from my personal file XXXX, I fear this my be related to fraudulent activity of someone trying to steal my identity. Please Remove. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit because I plan to purchase a home soon. I saw a couple of things on my credit report that where unfamiliar. I did not approve these and would like to have those items removed from my credit. I am doing this on my own and have contacted the FTC and my local police here.N/A ( 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 card

Date opened inconsistentis illegally reading account Just to inform you I wan a victim of identity theft. My personal information was leaked via the XXXX data breach which happen in 2017 and my engagement number is provided in identity theft affidavit to show proof that my information was impacted by this situation. This account is the result of identity theft. Also I notice that you are illegally re aging account which is a violation of the fcra to ensure maximum possible accuracy. This negative mark have had an impact on my credit worthiness and have lowered my credit score significantly. I also was turned down a loan I needed as well which is considered actual damages and that itself was over {$5000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction regarding the persistent presence of fraudulent accounts on my credit report. Upon reporting the case of identity theft, I promptly contacted the companies associated with these fraudulent accounts. While they acknowledged the validity of the report, they expressed their inability to provide records. Nevertheless, they assured me that the fraudulent accounts would be promptly removed upon submission of the required FTC report. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries being reported from companies who I don't conduct business with and have asked that these be removed. 
The reporting companies are XXXX, Transunion and XXXX
Product: Consumer Loan

After receiving several bids for a new furnace, we signed a contract with XXXX in large part because of their promise of a 0 % interest loan for 12 months. When installation was finally completed in XXXX 2015, electronic completion forms were signed in our yard but we have yet to receive electronic or paper copies of the forms. Shortly after, we started getting calls from a bank we had never heard of, Synchrony, saying we were late on our credit card payment. When we finally reached a person, they explained that they were servicing the furnace debt. We had not received anything in the mail from them or had any prior contact. On XXXX XXXX, 2015 we received our first mailing from Synchrony with statements that detailed a {$29.00} activation fee, {$25.00} late fee and {$55.00} in interest ( 9.99 % rate ). We receive 0 % interest offers from credit cards almost daily and never would have agreed to a new credit card with activation fees and 9.99 % interest. Our XXXX representative says there is nothing he can do to rectify the situation.
Product: Credit card or prepaid card

I made some purchases at Walmart using my Walmart MasterCard and a promotion was applied to them for what I thought was deferred interest. I made a payment on XX/XX/XXXX and requested via chat on the website for the payment to be applied to three of those purchases. The payment is still not showing as applied to those purchases. I have done this frequently in the past and it has never taken this long for the payments to apply. 

I contacted customer service a few minutes ago and asked to speak with a XXXX about the delay. They are now stating that there are two types of promotions : deferred interest and no interest - and that payments can not be allocated toward 'no interest ' promotions. I was not made aware of this prior to putting the purchases on promotion and certainly would not have done so had I been aware. 

There is a printable certificate for special financing on their website - it does not make a distinction about two types of promotions and states that payments may be applied to these purchases. A copy of this certificate has been uploaded, along with a copy of my promotional purchases.
Product: Debt collection

I have tried to ask the debt collector to stop calling me and they continue to call multiple times. They have now started calling my parents phone numbers which I have no idea how they even gotten their phone numbers. Yes I know I owe a debt but calling me multiple times a day is not going to resolve the issue, it actually frustrates me even more. Today alone they have called twice, yesterday three times, Friday 3 times, and Thursday 3 times, and so on. This is out of hand and has been going on for months.
Product: Credit card or prepaid card

Monday, XX/XX/XXXX Nordstrom closed my account without notifying me. I had bill paid on this credit card which is a Nordstrom Visa card. ( Good thing I called regarding receiving a new card ) I spoke with several reps and managers and was told due to my credit score, they would not issue me a new card. I reviewed my Nordstrom report online which states I was in good standing paying on time and my credit score probably was not reported correctly by XXXX. I was a member since XXXX, I was devastated by Nordstrom closing my account which I used to pay my bills. Also, I noticed online Nordstrom has a blacklist for consumers which they use to close their accounts. I was never notified was makes the decision disheartening and I thought I was a valuable customer, especially during times when consumers need assistance. Nordstrom is looking out for themselves and no I have to pay a credit card that I can not not use.
Product: Debt collection

I keep getting calls from what I think is a scammer. They call my family members, cell phone, and place of employment. They say they are taking legal action and to calm them to resolve it before escalation. The number they called from is XXXX but they say to call XXXX. Theyve called for the last week and wont stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in the amount of {$3000.00} XXXXDEPT OF ED XXXXXXXX XXXX in the amount of {$1700.00} XXXX/Dept of ED XXXXXXXX XXXX  in the amount of {$1700.00} XXXX/Dept of ED XXXX XXXX in the amount XXXX XXXXDEPT ED XXXX in the amount of {$800.00}
Product: Mortgage

On XXXX/XXXX/XXXX, I faxed Carrington Mortgage a request to have XXXX ( 30 ) day lates removed from my bureau reports. The payments were not thirty days late. The XXXX payment was phoned in on XXXX XXXX, XXXX and the XXXX payment was phoned in on XXXX XXXX, XXXX. My payments have always been made at the end of the month since inception with XXXX Bank in XXXX. I explained that my credit score was XXXX on XXXX XXXX, XXXX and it dropped to XXXX by XXXX XXXX, XXXX due to Carrington 's reporting. The XXXX payment did not report until XXXX. I called Carrington several times and told them I am a XXXX patient and the drop in my credit score has created undue hardship for me. I am not able to refinance my home to bring the payments down or secure transportation to my doctor appointments XXXX miles away. The Carrington supervisor encouraged me to wait for a response from Carrington before contacting the bureaus, because it would slow the process. Thirty-four days later, on XXXX XXXX, XXXX, Carrington finally told me via the phone they refused to remove the thirty days late, because the payments were not immediately applied. I still have nothing in writing. During this time I made the transition from a teacher with 15 years of service XXXX XXXX payroll to Social Security and long term XXXX income, but I always made payments prior to thirty days late. This organization is ruthless. I believe they destroy people 's good credit to attempt foreclosure on them. There lack of courteousness and unwillingness to provide customers with experienced contact resources in applicable departments is testimony to that. Carrington Mortgage does not care! These people are in the business of debt collection and real property acquisition.
Product: Credit card or prepaid card

My JP Morgan Chase Credit Card has been used by somebody else besides me about 4 times. My card has been used overseas as well by somebody else. Random purchases have been made by somebody else with my card through the internet. I have had to change my JP Morgan Chase Credit card about 4 times this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

last year I applied I went to different dealers in order to buy my first car, but I didnt purchase the car from any of them, before I applied i asked if they were running my credit report for all of the banks or just XXXX time, and they told me they were soft inquiries, as of right now, i still have all the inquiries in my report and they are preventing me from purchase a house, after I have sent creditor letter of removal.
Product: Credit card

I have not purchased anything from XXXX in over 5+ years. Randomly in XXXX of XX/XX/2022, they started charging me {$2.00} every month in interest. I called and they refunded me these charges as they said it was in error. They continued billing me monthly. I disputed these charges with XXXX three times, which two were accepted and the last was not. I ended up paying the {$15.00} they said I owed in hopes to save my credit score and put an end to this, yet they are now at it again. They have reported on my credit report that I am late paying them, but however, I again don't owe them anything. My credit score is once again dropping because of this and it appears to be an ongoing issue as they are charging me again. My account with them ( CommenityBank/OVER ) is closed & it says so on my report. I have called - what is now XXXX XXXX, and don't get any sort of help or solutions. 

Note that XXXX is no longer their own company as they were bought by XXXX XXXX and XXXX. 

I have attached herewith the transaction/statements document for your reference. 

Thank you for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

on numerous occasions i have contacted the credit bureaus to remove information that is not accurate on my credit file equifax company has violated my rights multiple times by reporting such information -15U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
every time i tell them to delete the information and advise them of the rights and laws they are breaking. i will file a lawsuit if they do not delete the account below account- XXXX XXXX XXXX XXXX XXXX - aact # XXXX
Product: Credit card

In XX/XX/2023 someone sign up for a Chase credit without my permission and Chase denied the application said my credit score was a XXXX. I called and reported it, someone told me to lock my account so I did that and I noticed today my credit score dropped down again I been trying to rebuild my credit score. I need to know if I lock my credit does that affect my credit score being hit again it was hit back in XXXX now again because of someone doing some hateful low down stuff. I havent had a credit card in 9 year. Please can you get back in touch with me asap and have a wonderful day. Address is XXXX XXXX XXXX. XXXX Ohio XXXX XXXX or XXXX
Product: Vehicle loan or lease

I needed to pay off the loan and get a letter of lien release. I called on a Friday and was told if I made the payment by phone, the payment would be posted on Monday and I could get the letter. 

I made the payment, but when I called on Monday I was told there would be a 10 day hold before I could get the letter. 

Had I been notified of this hold, I could have made a payment with a certified check overnight. Now I may lose my sale due to this failure to uphold their promise.
Product: Debt collection

XX/XX/XXXX, we contacted XXXX XXXX  for a quote to have our XXXX ceiling painted. 
We spoke on the phone to XXXX ( the owner ) he explained that the ceiling would be sprayed not rolled, he also let us know that it is a professional grade sprayer " not one that you can buy at any hardware store ''. I specifically stated we wanted flat paint. We also discussed protection of floors and walls because our walls were already painted and our floors had been professionally cleaned. That was important to us. The following Monday a painter came out to our house to finalize a quote. He also let me know that it was going to be sprayed and the floors and walls would be protected. We booked with XXXX XXXX  after that. We than paid the {$900.00} deposit. Total job was quoted for {$1800.00}. XX/XX/XXXX painters were supposed to show up between XXXX. I was told that they were late because the paint store was backed up with our paint. Meaning our paint ( the wrong paint finish ) was being purchased the morning of the job. 
After XXXX Different painters showed up, they didn't seem to have any idea of what the job entailed. On top of being late, they were not prepared for the job. No protection, no sprayer and semi gloss paint for a ceiling, not what we asked for. I immediately contacted the owners. The painters left because the paint was wrong, no protection in XXXX and rolling the ceiling was not what we hired your company to do. The painter also agreed it should be sprayed before leaving. After some thought, and obvious concern by everything that took place. We decided not to use this company and requested a refund. I was told i would not be receiving one because the 50 % deposit is non refundable. No work was done and if any supplies were bought, they weren't the correct ones. I reversed the charge through XXXX. XXXX XXXX  didn't respond to XXXX  for the reversal of the charge for over XXXX weeks. And still havent. 
Yesterday i received a message from a collection company that XXXX XXXX  is sending me to collections for {$2000.00}. More than the total job was suppose to be.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXXXXXX )/ XXXX XXXX XXXXXXXX XXXX for failing to address fraudulent activity involving an account opened in my name without my authorization. In XXXX, I discovered that an auto loan account was fraudulently opened through Dignifi at a car dealership using my Social Security number, drivers license, and other personal information, which were compromised in the XXXX data breach. 

The fraudulent account details are as follows : Account Type : Line of credit Account Number : [ XXXX ] Date Opened : XX/XX/XXXX Balance : {$3600.00} This account was opened through XXXX XXXX in XXXX, KS. XXXX allowed an individual to use my stolen information to apply for and receive credit online without verifying their identity, proof of identification, or my consent. Despite my repeated attempts to have this fraudulent account removed from XXXX system and from all reporting agencies to which they furnished the information, XXXX has refused to take corrective action. 

I provided an FTC Identity Theft Report ( # XXXX ) and police report ( HPD Case # XXXX ) as evidence of fraud. I also submitted multiple disputes with Dignifi and the credit reporting agencies ( XXXX, XXXX, and XXXX ), yet the account and inquiries remain on my credit report, and my name is still associated with this fraudulent account in XXXX system. 

I contacted XXXX to dispute this account and provided an FTC Identity Theft Report ( # XXXX ) and police report ( HPD Case # XXXX ) as evidence of fraud. Despite this, Dignifi has refused to close the fraudulent account or remove it from my credit report. They have also failed to provide any proof that I authorized the account, such as a signed application or verified personal information. 

Filed an FTC Identity Theft Report and police report to document the fraud. 
Contacted Dignifi multiple times ( e.g., over the XXXX XXXX years ) most recently XXXX, XXXX, XXXX of XXXX to dispute the account and request its closure. 

Submitted supporting documentation, including proof of identity theft and correspondence with the dealership. 
Disputed the account with credit bureaus, which temporarily removed it but failed to prevent its reappearance. 
The fraudulent account has caused ongoing emotional and financial harm : My credit score has been negatively affected by this fraudulent account and associated inquiries. 
I have incurred additional costs for credit monitoring and dispute handling. 
The unresolved issue has caused significant distress, requiring constant monitoring of my credit and repeated disputes across various credit reporting agencies.
Product: Credit reporting or other personal consumer reports

After looking over my credit report I have found inaccurate information. Experian, XXXX and XXXX are reporting 1 thirty day late child support payment from the attorney general. The month in question is XX/XX/year>. I have made payments every month, and keep records for proof.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit reporting Act XXXX XXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A States I have a right to privacy. U.S.C C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

Furthermore I am NOT liable for this alleged debt with XXXX XXXX XXXX XXXX XXXX XXXX. I DO NOT HAVE NOR EVER HAD A CONTRACT WITH XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX did NOT provide me with the original contract, as I requested several times. THANK YOU!
Product: Credit card

I received several calls from Bank of America at XXXX XXXX, I was told that someone in Texas was trying to open an account with my name and social security number. ( I do not have a Bank of America account, I am not in Texas and I am not trying to open an account ). Using their transaction # XXXX they then told me they could put a block on the transaction ( using transaction # XXXX ). I was then told by XXXX after checking my credit card accounts that several of my credit cards have red marks on them and if I don't let them fix/manage them, I would have to pay the total balances in full in 30 days. They said someone would come to my house to collect. They said they would send me this information in the mail, but didn't verify my address. I spoke with XXXX/manager at Bank of America ( XXXX branch ) and he advised me that although they can call when there is something going on with a Bank of America account , they do not have any information on any other credit card accounts. Which leads me to think that this is some sort of scam.
Product: Payday loan, title loan, or personal loan

To obtain financing on my purchase, Synchrony Bank asked me to jump through several hoops. I have excellent credit, have lived in my home for more than six months, and was born in the US. I also have a Synchrony savings account. 

On XX/XX/XXXX, I submitted my application. On XX/XX/XXXX, Synchrony instructed me to submit a notarized affidavit of identity. They offered me a {$25.00} credit because of the inconvenience. I faxed it to them on XX/XX/XXXX. They were supposed to make a decision within a week. 

On XX/XX/XXXX, Synchrony Bank rejected my application because they could not authenticate my identity, even though I'm already their customer. Why? 

Will this rejection affect my credit report? The Synchrony staff didn't know. Can you prevent this error from hurting my credit report?
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns and frustration regarding the Equifax data breach that occurred in 2017. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. 

Since the breach, I have experienced unauthorized access to my accounts and have incurred financial losses as a result. Despite taking preventive measures, including placing fraud alerts and credit freezes, I continue to face challenges in securing my identity. 

I urge Equifax to take responsibility for this breach and provide adequate support to affected individuals like myself. This includes enhanced identity theft protection services, timely notifications of any suspicious activity, and assistance in resolving any related issues. 

I hope to receive a prompt response addressing my complaint and outlining the steps Equifax will take to rectify this situation for its victims.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to EQUIFAX for not taking action. I am writing to request the removal of non-permissible credit inquiry from my credit report. My report was pulled by the following company without my authorization or knowledge. I have attached the FTC report with the report number XXXX to support this complaint.
Product: Student loan

I'm a XXXX XXXX XXXX and in the student loan repayment program through my employer. My employer has been making payments bi-weekly on my behalf since XX/XX/2023. My employer has provided proof of payment that I have submitted to Nelnet. Nelnet processed the first payment and applied it to my account within 3 days of payment ( XX/XX/XXXX ). Since then, the second payment took a month to be applied and only after several calls and being on hold for several hours over a week and not receiving any call backs and an email with no response from Nelnet. There are 2 more payments made on XXXX XXXX and XXXX XXXX that have not been applied to my loan as of today, XXXX. XXXX.
Product: Debt collection

TRANSWORLD XXXX XXXX XX/XX/XXXX {$1800.00}. DONT OWE ANYTHING TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$750.00}. DONT OWE ANYTHING.

TRANSWORLD SYS/INC XXXX XXXX XX/XX/XXXX {$750.00}. DONT OWE ANYTHING.

TRANSWORLD SYS/INC XXXX XXXX XX/XX/XXXX {$750.00}. DONT OWE ANYTHING.

TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$500.00}. DONT OWE ANYTHING.

TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$480.00}. DONT OWE ANYTHING.

TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$450.00}. DONT OWE ANYTHING.
TRANSWORLD SYS/INC XXXX XXXX XXXX XX/XX/XXXX {$71.00}. DONT OWE ANYTHING.