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

I sent all required mail to the main three credit bureaus ( XXXX, Equifax, and XXXX ) to place an initial fraud alert AND an extended fraud alert on my credit report as I have had fraudulent accounts opened, It doesnt show online that I have any fraud alerts on any of the credit bureaus. I have had fraudulent inquiries under my name and my information. I am a victim of fraud and identity theft. I need an initial fraud alert AND an extended fraud alert to be placed on my credit report on ALL three credit bureaus ( XXXX, Equifax, and XXXX ) immediately. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Sales Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX - CARD XXXX XXXX Credit Card Cos. 
XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX 2021
Product: Payday loan, title loan, or personal loan

Account had been charged off and was closed in XX/XX/XXXX, original loan amount was {$200.00} and high balance was {$270.00}. Now, in or around XXXX or XXXX of XXXX, the balance changed suddenly from {$270.00} to {$570.00}. 
There has been no notice, no other updates from the company, or payment history since XXXX until this sudden increase in balance. 
This does not seem like a fair collection practice and has already been disputed with credit bureaus to no avail.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed a two new accounts showing that doesn't belong to me. CAPIO PARTNERS LLC in the amount of {$3900.00}, And XXXX XXXX  in the amount of {$680.00}. 

I spoke with someone over the phone for both accounts and they said that there was a medical debt in my name. I have no medical debt. I informed them that the debt was not mine. they told me to bad so sad. I then spoke to the hospital XXXX of XXXX and explained what was going on. I was once again turned away, telling me they don't care and i need to report this with someone else. 

CAPIO PARTNERS and XXXX XXXX  have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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, States a consumer reporting agency can not furnish an account without my written instruction 15 U.S.C 1681c. ( 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 7 years. 
U.S.c 1681s-2 ( A ) ( 1 ) states 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a letter regarding inaccurate and unknown things on my credit report. Over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information by the XXXX  data breach may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 To Whom it may concern, I was trying to pay XXXX  XXXX XXXX  with an online check from my XXXX account using my account number and routing number I found on my account page with XXXX in the first week of XX/XX/2020. I entered my XXXX information on my XXXX  XXXX account page to pay the {$30.00} bill That was due on XX/XX/XXXX. As the enclosed letter explains the routing/account numbers from XXXX were only for deposit. Hence XXXX XXXX XXXX  closed my account for this error. Not being able to use the card made me call them to inquire why. They told me my bank kicked it back to them and that I need to pay the minimum of {$30.00} before XX/XX/XXXX. I was informed at that they needed a letter from my bank stating the reason for the online nonpayment within 30 days. I said ok and paid the {$30.00} and then was told my next payment was due XX/XX/XXXX, also got hit with a {$25.00} returned check fee? I got the letter from XXXX and mailed it XXXX to their XXXX XXXX XXXX XXXX XXXX Which I found very strange. Called them at least twice after 10 days and they said it was never received and then emailed me a email address to send it to. I attached the letter from XXXX and sent it to XXXX XXXX XXXX. Meanwhile my account was still closed. Called them before or on XX/XX/XXXX to pay the {$30.00} which I did and was informed that they had neither the USPS letter nor the attachment email I also sent. I was informed that my account was still closed but my next payment was on XX/XX/2020. I was not told they wanted the entire amount paid in full. Called them XX/XX/XXXX to find out what was going on and was informed the account was charged off. I told them I was told my next payment was on XX/XX/XXXX and was then told I was supposed to pay the entire amount on XX/XX/XXXX. So I paid the balance to their internal debt collector? I spoke to many different bank agents over the two or so months and never really talked to anyone in authority. Even the second-tier agents were reading canned messages off the computer screen. Please remove the charge off and negative
Product: Debt collection

The information that their trying to collect should have been for a business instead the came after me. this debt is solely for a LLC
Product: Mortgage

I have applied for a loan modification with PNC Mortgage Company and have been denied. This time with no explanation. They have continued to deny my request at every hand. I asked if they could give me a silent second mortgage on the arrearage 3 months ago and they stated no. 
Please assist me in this matter as I am now being forced to file bankrupt.
Product: Credit reporting or other personal consumer reports

It has been months and months that I noticed that XXXX XXXX XXXX XXXX an account they claimed that I have with them to the credit bureau XXXX Account XXXX ) to the Trans Union and XXXX credit bureau XXXX I repeatedly contacted them about this particular account. I have never done any business with XXXX. I do not even know what they are in business for. I demanded that they remove this account from my credit report immediately.
Product: Money transfer, virtual currency, or money service

I am a XXXX single parent whos struggling to survive. During the heat of the pandemic, I received a total of {$2900.00} on my PayPal Account and just for no reason PayPal limited my account and all efforts and pleadings for PayPal to help me get my account restored and to take my money back proved abortive. 
All I got was that my account has been limited and that I can no longer make use of PayPal but can only get my money after 180 days. Its past 180 days plus now and yet my account is still limited. I am really frustrated and trust my filling this complaint will help me a great deal. 
As a XXXX woman, Im actively using PayPal as my only means of payment and receiving payments online. My linked PayPal email is : XXXX XXXX
Product: Debt collection

I would like to report this collection company to the Consumer Protection Bureau For their unlawful credit reporting practices. I called the collection company in my social security is not even in their sister but yet they have been reporting collection account in the amount of {$4400.00} that has never been validated because I never received a 30 days notice by law that they are required to send to all consumers. I would like to ask them to provide me with contract with my signature what this dollar amount is for and why they did not notify me prior to reporting it to XXXX XXXX, and XXXX.Just to clarify I am a XXXX of XXXX XXXX XXXX and my husband passed away at age XXXX from XXXX. I only have XXXX and I'm waiting for XXXX XXXX to approve me for XXXX. I can not get low housing because of my credit that is destroyed by this collection company. I'm a XXXX woman and my rights are protected through the XXXX XXXX.
Product: Checking or savings account

On XXXX, I opened a Tiered savings account online with Barclays bank and started the process to transfer {$250000.00} to the account with and external bank link. A few days later on XXXX the transfer occurred. That same day I tried to link XXXX other bank accounts to this new account. On XXXX Barclays restricted my account without telling me. I called their XXXX number on XXXX and after difficulty understanding the woman I was speaking with, she told me I need to email a copy of my drivers license and the bank statements to XXXX to prove I owned the accounts. I immediately did so. On XXXX, I saw that the mini deposits and withdrawals had been made to both accounts so tried to log on to Barclays to finish linking the accounts. Unfortunately, I got the same screen saving my account was restricted and to call the XXXX number, which I did. I wa told again that I needed to send in the documents. I told them I had on the XXXX. She checked and said yes they had come in. I asked when my account would be unrestricted and was told it would take 10 business days to review the documents, even though they had already deposited and withdrawn from both accounts. I asked to speak to a supervisor. She checked and said none were available, but she could put in a ticket, and one would call me in 24 to 48 hours. I then asked her to close the account and return the money to the linked external account. She proceeded to prepare a ticket to do so and told me it would be 3-4 days to return the money. I hope and pry they actually do return the money. They are a bad bank to deal with and all should know this.
Product: Money transfer, virtual currency, or money service

I have been trying to get my funds out of this exchange since XX/X/17. I have been locked out of my account due to a non-functioning " ID verification '' process that the company touts. I have provided all of the necessary information for them to assist me with the simple request of restoring access to my money. 

I have over 50,000 USD in my account and feel that waiting over a week after filing a support ticket is too long. I have not received a single email that has been anything more than an automatically generated response. I have been a loyal customer of this company, and I am shocked that there is no support to be found. I have tried direct messaging the company via twitter, filing a support request through their website, and emailing their support center directly. I have also tried calling them on their support lines, and have endured endless hold times and busy signals, never once getting through to a person. 

Over a week, and zero response from a company that holds a good chunk of my life savings.
Product: Credit reporting or other personal consumer reports

I am writing in response to Equifax 's recent communication regarding the dispute I filed through the CFPB Complaint Portal, complaint id XXXX. In their response, Equifax asserted that they have completed their investigation and made certain modifications to my credit report. However, I would like to express my dissatisfaction with their resolution as it does not accurately address the issues I raised. 

To recap, I submitted a complaint indicating that there were inaccurate items reporting on my Equifax credit file. Despite Equifax 's claim that they have resolved the matter, the inaccuracies persist on my credit report. I had requested that Equifax take corrective action to permanently delete these disputed accounts as they are negatively impacting my creditworthiness. Furthermore, I believe that I am entitled to monetary relief in the sum of {$3500.00} for non-compliance with the Fair Credit Reporting Act ( FCRA ) and the damages I have incurred due to their failure to rectify the inaccuracies. 

Here are the specific points of concern : Adverse Accounts Not Deleted : Equifax mentioned that adverse accounts that have not been paid in full will automatically be deleted seven years from the date of first delinquency. However, my dispute was not solely about the timing of the deletion but rather the accuracy of the information. Equifax has not addressed the inaccuracies in the reported data, which is a crucial issue. 

Inaccurate Reporting : Equifax 's response indicates that certain fields on the disputed accounts have been modified, but this does not address the root problem of inaccurate information. The inaccurate data continues to harm my credit score and financial standing. 

Lack of Resolution : Despite Equifax verifying the disputed items, they have not provided any evidence to substantiate these claims. Their investigation appears inadequate, as the inaccuracies persist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had credit since I was XXXX XXXX XXXX which is over 26 years, and have had accounts in good standing. Transunion is reporting that my credit history is only 8 years. I have called to complain and was told that good standing accounts only remain 10 years. Even if this is correct my credit history should show as 10 years. They told me if I wanted anything older to appear I had to contact the creditor directly and tell them to continue to report it. This is absolutely ridiculous to me. The fact that so many things depend on my score and they do not follow the rules makes me extremely angry. I have disputed things in the past as well and they told me the company verified the information and when I told them it was incorrect they told me to contact the creditor. I do not know how that is even possible when I never had an account with the creditor they listed and they do not supply the contact information. I have actually tried in the past though and the creditor was not able to look me up by Social or account # because I did not have an account # and Transunion would not supply me with one. My point being they negatively affect peoples credit and do not resolve issues as required. I am not supposed to have to prove something, they are supposed to report correctly and prove things should be on my report. They are also supposed to report accurately, if they are going to include length of credit they can't take away the things that show how many years you have had credit especially if it is such a big part of their scoring process.
Product: Credit card

My wife and I have been XXXX and XXXX XXXX account members for a long time. We were notified last year that XXXX XXXX was no longer going to be XXXX 's credit card company and that we would be issued new accounts. We contacted and closed the account with XXXX XXXX. Apparently at some point Citibank created a credit card account without our permission, XXXX charged that account for a membership fee ( {$50.00} ) and in 3 months Citibank assessed {$70.00} in late fees on the account. Now after an attempt to reason with the Citibank they have sent a letter by someone named XXXX XXXX in their Security Department stating because the account was " transfered '' from XXXX XXXX not " created '' by Citibank we are responsible for it. XXXX XXXX states in the email this issue is closed, Citibank will no longer to respond to the complaint, and Citibank will continue sending statements until it is paid in full. XXXX XXXX does not provide contact information to reach out to him, and never have I been allowed to speak to anyone higher level than a customer service representative. I would like to know if Citibank is doing what XXXX XXXX has been doing and if there are others that are being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my updated credit report, I see that the same account was erroneous. The Equifax and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$7900.00} ; XXXX XXXXXXXX Balance : {$7900.00}
Product: Debt collection

I hope this letter finds you well. I am writing to address a concern regarding my credit report and request the immediate correction of inaccuracies related to late payments. Upon reviewing my credit report, I have observed discrepancies that I believe require your attention and correction. 

The late payments in question are associated with the following accounts : XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. 

XXXX XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX XXXX  XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX  XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. 

I understand the importance of accurate credit reporting, and I am committed to maintaining a positive credit history. However, the late payments mentioned above are not reflective of my actual payment history with these creditors. I kindly request that you investigate and correct these inaccuracies promptly. 

To assist in your investigation, I am enclosing copies of relevant documents, such as bank statements or payment receipts, which substantiate that the payments were made on time. I believe that a thorough review of these documents will support my request for the removal of the late payment notations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : SageStream , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public XXXX XXXX XXXX Number Dear SageStream Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Unit XXXX, XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

There was only one closed auto loan with XXXX XXXX XXXX included but not all account number : XXXX balance {$0.00} opened : EXPERIENCE BETWEEN CONSUMER AND CREDITOR IS EXCLUDED FROM CONSUMER REPORT PER 15 USC 1681a. FACTUAL INFORMATION IS EXCLUDED FROM CONSUMER REPORT PER 15 USC 1681a. This is Defamation in the Libel. Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. The inaccuracy is due to reporting PRIVATE CONSUMER TRANSACTIONS THAT REVEALS THE PRIVATE NATURE OF A TRUST BETWEEN THE CONSUMER AND THE CREDITOR AND VIOLATING 15 USC 1681a The FCRA provides people multiple ways to dispute inaccurate information on their credit reports. Commonly, people dispute the accuracy of information on their credit reports with a credit reporting company, such as XXXX, XXXX, or TransUnion. In response, the credit reporting company often refers the dispute to the company that provided the disputed information. When a person submits a dispute to a credit reporting company, and it is passed along to the company that originally provided the disputed information, the company is then required to conduct its own investigation into the disputed information. 

There was never a contract between the XXXX  XXXX XXXX ASSUMED NAME : XXXX XXXX XXXX and FORD MOTOR CREDIT or any variations of or any titles or names derived thereof. There was never a consummation, no liens and no financing statements. See the attached Exhibits. FORD MOTOR CREDIT XXXX, XXXX, TRANSUNION, XXXX XXXX has violated 15 USC 1681a ( exclusions ) and and other consumer data collecting agencies and/or companies ; are at fault for permitting improper data furnishing. The EXPERIENCE ( HISTORY ) BETWEEN CONSUMER and CREDITOR IS EXCLUDED from CONSUMER REPORTS. The CONSUMER REPORT is prescribed to reflect the full story and character of the natural person which is why it consists of INTERVIEWS of ones neighbors, associates & friends. When did you send me the details of these interviews, the names of who you spoke to?
Product: Credit reporting, credit repair services, or other personal consumer reports

Well what happen is that someone try to open an acct with XXXX XXXX, XXXX dept store, Indigo credit card and i did not apply on these places.and really do not know the procedure.
Product: Payday loan, title loan, or personal loan

USAA purports itself as a members institution. However, their unwillingness to recast a simple loan has lead me to go through their reapplication process. My credit score, is likely the exact same as last time, yet, they have marked their rate up to a predator 6 % increase on the previous loan. When asked for a reason why, the representative cited only the credit score, which has been fairly static, and is a decent #. They made no mention of market conditions, fed funds rate, or anything else. This leads me to firmly believe that USAA is now engaging in predatory lending as defined by applicable state law. I can not imagine the utter loan shark-ish practice they must be doing to others who have a lower score than mine. It is this disparate treatment, that I find to be Unfair, Deceptive, or Abusive Acts or Practices that needs to be examined by the OCC and FDIC as it puts not only myself as a customer at a risk, but also a reputational risk for the institution putting every members funds and livelihood in jeopardy.
Product: Credit reporting or other personal consumer reports

Some how they XXXX  up my wife 's and my accounts were shared the same birth date so I can only figure that's what did it. I fixed this eventually. Now though I can't remove the freeze from my account this is all through TransUnion I used their website live chat and phone supposedly an supervisor was supposed to call never did. I know it is still frozen because XXXX says it is them through XXXX then I tried through XXXX XXXX. Who also say it is a frozen TransUnion account.