23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

My account with XXXX XXXX XXXX XXXX XXXX has been completely paid in full for months. Originally I tried to pay this debt through XXXX and was denied the opportunity and was forced to go through the collection agency which I did not want to do due to miscommunication. I paid off the FULL balance in order to receive a deletion from my credit report. XXXX XXXX and XXXX both have not taken the necessary steps to remove this account from my XXXX, Experian, and XXXX credit reports and it is just unbelievable especially when I tried to pay the original creditor directly and was told I could n't! Now my balance is reporting incorrectly on some of my credit reports it says paid in full and on others it says " settled '' which I never settled I paid the FULL balance. This account needs to be deleted from all XXXX of my credit reports as agreed especially seeing as I dont owe them anything. That negative account is severely affecting my way of life at the moment and I need to see it gone. I keep requesting that the credit bureaus contact XXXX which they did and they even have sent me MULTIPLE statements saying my account was paid in full so I even have documentation. Please remove from my credit reports. I want to believe that XXXX is a good enough company to do this for me.
Product: Checking or savings account

I bought an XXXX skincare product through XXXX on XX/XX/year>, but later discovered it was a scam. After reaching out to the seller, XXXX XXXX, and the company for assistance, I didn't receive any responses. I also filed a claim with Chase, but they closed it on the same day, stating they don't handle scam-related issues. 

I transferred money 4 times by XXXX on Chase banking app - XX/XX/XXXX : {$350.00} - XX/XX/XXXX : {$90.00} - XX/XX/XXXX : {$1000.00} - XX/XX/XXXX : XXXX
Product: Debt collection

I received a collections notice dated XX/XX/XXXX from BYL Collections stating that I owed {$190.00} from original creditor XXXX BYL account number : XXXX. When my wife called, she was told that it was for a debt incurred in XXXX. I did not have any dealings with XXXX in XXXX. She asked for a copy of the original bill since we had not received it. She was told they were not required to provide the original bill. 

A few weeks later, my wife received a collections notice for {$190.00} IN HER NAME with a BYL account number XXXX. This notice stated she did not make the " agreed upon payment amount '' based on the payment plan she made. SHE DID NOT MAKE A PAYMENT ARRANGEMENT with them. 

On XX/XX/XXXX, we received two additional BYL notices. This time account number XXXX for {$190.00} again stating we did not make the agreed upon payment. The other notice was for a new account number XXXX for an amount of {$30.00}. 

I have no issues paying my medical bills as my credit report will show you. My point is that I never received any bill directly from XXXX and was unaware of any charges that were due. If these were some type of charges that were denied by my insurance company, I received no notification or bills from XXXX. Just straight to collections and based on this billing, changing names, changing account numbers, I feel that some type of scam is taking place. I don't want negative marks on my credit report. Can you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX, and Equifax Credit bureaus a number of times to have personal information that does not belong to me removed from my report and they refuse. The following addresses, phone numbers, employer, and ssn 's that appear on these reports do not belong to me and/or are reporting inaccurately. I have lived at my current address since XXXX and keep being told that other companies have reported this information as valid, which I think is absurd being that they are allowing others to report what they feel is valid and NOT me. Due to poor lack of investigation and communication Im requesting that all of the inaccurate data be removed. ADDRESSES THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SOCIAL SECURITY NUMBER VARIATIONS THAT DO NOT BELONG TO ME : XXXX XXXX NAME VARIATIONS THAT ARE REPORTING INCORRECTLY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBERS THAT DO NOT BELONG TO ME : ( XXXX ) XXXX ( XXXX ) XXXX IN ACCURATE EMPLOYER INFORMATION XXXX XXXX XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by ALLY FINANCIAL on XX/XX/2016 which l have no idea about it at all.
Product: Bank account or service

Capital One is mining data from customer accounts to target customers and try and get them to buy other services. They are using information about me and how much money I have in my savings account to try and sell me other products.
Product: Debt collection

I contacted the collection company and requested that they verified that the debt was accurate and mines and written proof. To no avail they in fact sent me a letter saying it was verified with a typed procedure and amount stating that is was verified and that I owed said debt. This is a Hippa a violation I in fact did not request for my medical records to be presented to a third party.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I applied for credit with Sunbit to purchase tires online from XXXX XXXX  The company stated they would charge an initial {$26.00}, and the company ended up charging my debit card {$85.00}. I did not authorize that amount to be charged from my card. As well as, the application for XXXX XXXX did not go through, so not only did Sunbit charge my card for an amount they did not disclose to me, but I did not even get the product that I " paid '' for. My account number with Sunbit is XXXX
Product: Credit card

On XX/XX/XXXX and XXXX an influx of charges that were done in XXXX XXXX were not flagged by my credit card company, Capital One, for over a month. They were only detected because I saw them on a statement. Upon its discovery I filed several documents to the fraud team and they said it would be up to a 60 day wait. It has now exceeded that time, and when I asked for the 5th time about the reimbursement of the charges, they told me documents had to be sent in again because the account was restricted. Though the restricted account is still taking payments from my bank account, the fraud team says nothing can be done until the account is reinstated. It is my belief that the fraud department is outsourced explaining why I have more access to my account than they do. Interest charges are still being charged every month for the outstanding balance because of the fraud, and no reimbursement has been made. I have expressed to them several times that an XXXX XXXX XXXX XXXXXXXX XXXX XXXX  I bought was purchased on my card on the same day someone bought expensive jewelry in XXXX, so the fraud should be easy to prove for reimbursement. The company has taken no action for over 6 months now. The charges that happened in XXXX are as follows : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The company has full access to multiple documents regarding my claim, since I had already filed before they disregarded the claim with no action.
Product: Credit reporting or other personal consumer reports

I went to the bank to open a business account and they could not verify my identity and they stated that the report from chex systems came back identity error showing two names on the report when there can only be one name. I previously sent them the court order to remove the old name and they are refusing to correct the report thus causing a bank error with the identity and they are aware that it is creating an identity error. This is a form of identity theft that they are creating within the system because they know that it is wrong and are refusing to correct it. I have sent a copy of my drivers license, social security card, court order and letter disputing the information and they refused to remove the security freeze eventhough I never placed it on my profile. I told them I wanted them to permanently remove it because I never requested it. 

Documents were attached that were sent to them the letter was sent by mail.
Product: Credit card or prepaid card

To whom it concerns, I have had this Chase freedom account for approximately XXXX years. Somewhere around 2009. I wrote a balance transfer check. I do not know the date or the amount as I am unable to go back in my account that far. For the past XXXX years, Chase has not applied XXXX XXXX towards the balance that remained after the promotional period ended. Which is in violation of the card member agreement. 
According to my math, I have been overcharged interest and cash advance fee in the area of approximately XXXX. I have made a XXXX phone calls, trying to address this with Chase, and have received some unbelievably ridiculous answers, all of which have proven to be unhelpful. According to the card member agreement, payment allocation applies to highest interest/lowest interest/oldest balance. This balance of XXXX  has been on the account for over XXXX years and has not been paid down by XXXX cent. 
Starting in XXXX after XXXX phone calls again Chase has started allocating approximately XXXX dollars monthly to this balance, which still violates the terms of the card member agreement. 
This balance has been on this account for more than XXXX years and is 100 % the oldest balance on this account.With purchases and payoffs and interest and fees over XXXX years I am requesting that Chase present the math along with an explanation as to why this has yet to be paid off in more than XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report a mailing address that does not and has not ever belonged to me nor have I ever resided or received mail at that address. Equifax has sent mail correspondence alleging to have deleted the erroneous address yet, when I check my Equifax consumer report the address is still listed ( see document titled " XXXX XXXX - Equifax Address Dispute Results - XXXX XXXX '' ). I have provided my proof of identity to Equifax on several occasions as well which clearly shows my current address. My North Carolina Driver 's License displays my current and only address since moving to XXXX, North Carolina in XX/XX/2010 ( see document titled " XXXX XXXX - Proof of Identity '' ). I have also included a screen capture of the personal information section in the Equifax Online dispute portal ( see document titled " XXXX XXXX - Equifax Dispute Screen Capture '' ).
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any inquiries were not authorized. Again, it appears that my credit with you has been compromised, these inquiries being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following inquiries that you must remove are listed below : 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 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: Debt collection

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Phoenix Recovery Group. I requested a validation on XX/XX/2019 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2019 and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/2019 I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/2019 and still there were no updates to reflect that account was being disputed and no validation was received. I do not believe this account is valid and correct nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.
Product: Credit card or prepaid card

On   XXXX   XXXX   XXXX    , my friend and I were passengers on  XXXX  flight #  XXXX . This flight was from  XXXX   XXXX  to  XXXX  and was booked through  XXXX . We purchased  XXXX  seats and once on the airplane, we inquired as to availability and the cost of upgrading to  Business se ats. The flight attendant told us there was available seating and the cost would be  XXXX . We verified the price again, and the broken English speaking flight attendant assured us the cost was  XXXX  Dollars. We gave our credit cards and moved into the upgraded seats.     Several hours later, after meal service, the lights were dimmed for resting passengers. At this time the flight attendant presented the credit card slip for me to sign. The receipt was for {$300.00}, which appeared to be for both myself and my friend who was sleeping. I asked about my friends credit card and the attendant, who spoke terrible  XXXX , indicated she would return with it later.     While I was away from my seat, my friend awoke and was presented with her credit card and slip for signature. She also thought the {$300.00} was for both of us. When I returned to the seat, we discussed that we had both been charged for  XXXX  upgrades and asked the flight attendant for an explanation. A different flight attendant came to us and explained that there was a miscommunication and the charge was not {$150.00}, but {$1500.00}! We were very upset as the original attendant stated the charge was  XXXX   XXXX , never did she say anything remotely resembling  XXXX   XXXX  or    XXXX   XXXX  ,    XXXX   XXXX  . After much back and forth discussion with the flight attendants, we were assured it was their error and we would not be charged. Several weeks later, both my credit card bill my friends arrived, each with a charge of {$1400.00} for the upgrade.     This flight was booked on a domestic airline, leaving from a  US l ocation. All flight attendants should have full command of the English language and be capable of properly explaining to passengers all policies, procedures and pricing. Additionally, all charges shou ld be in US Dollars  unless clearly explained. To expect otherwise would be unethical and unsafe.
Product: Checking or savings account

Sofi froze my account for months. Now it's restricted awaiting pending closure and that's been going on for over 5 months. XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Its not fair for it to show up on my credit report when I do not owe, and they recently increased their balance and it dropped my score when it shouldnt even be showing up on my credit report in the first place. I kept disputing it and they kept denying it.
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 Original creditor XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Account # XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX XXXX Account # XXXX U S DEPT OF EDXXXX  Account # XXXX XXXXXXXX XXXX XXXX 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  has violated my rights.

XXXX XXXX  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 or other personal consumer reports

Applied as cosigner for XXXX XXXX student loan. Denied as cosigner based on " limited credit experience ''. XXXX pulled credit info from Transunion. Transunion does not have information on XXXX of my accounts " XXXX revolving XXXX realestate '' that I have had for many years and are all in good standing. These same accounts are listed on my XXXX credit report and thus have much higher XXXX XXXX " over XXXX '' and full credit report. XXXX with XXXX they denied my cosigner based on no current credit use experience. Reached out to Transunion dispute center by phone and was told I can not dispute missing data. I then sent a dispute letter and thus far have received no reply. I have also reached out to my bank holding these XXXX accounts " XXXX Bank '' to see if they can report this data directly to Transunion. They have stated they report all credit information to all XXXX credit bureaus they simply are not pulling the data into their system. I don't understand why Transunion has all XXXX of my loans over the past 10 years and have paid off and closed " all on time with no late payments '' but refuse to investigate the XXXX that are current and add them to my report so it accurately reflects my full credit history. I have also signed up for and pay for the credit monitoring services with Transunion " using a credit card they refuse to show on my credit report '' hoping that would help. I also paid Transunion for a full XXXX XXXX report as a comparison. Its all listed right there on the XXXX report they pulled and reported to me. I also pay for the credit monitoring service with XXXX hoping to push the missing data from the other reporting agency to Transunion. XXXX also shows Transunion does not have all my credit info. I have the same missing data problem with XXXX but currently Transunion is the reaason I am being denied credit with XXXX. Nothing has worked. I simple want my credit info to be reported more accurately across all XXXX credit Bureaus. Prosperity bank is willing to send over any information requested to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND WAS SHOCKED TO SEE THE THERE ARE NUMEROUS FRAUDULENT ACCOUNTS ON MY CREDIT PROFILE. THIS IS HURTING ME AS I AM IN THE PROCESS OF BUYING A HOME FOR MY FAMILY. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE AS SOON AS POSSIBLE.
Product: Mortgage

I have a mortgage with Wells Fargo. I refinanced it with them in XXXX using XXXX XXXX, who at the time was employed by them. In XX/XX/XXXX I received solicitation for real estate services from XXXX XXXX who was no longer employed with Wells Fargo. In his emails XXXX referenced information that was beyond contact info. I reached out to Wells Fargo concerned about one of their former employees leaving the company with personal consumer information. Their response was that it was looked into and would be remedied. I just received another a phone call from the same former employee. 
Should Wells Fargo employees be able to take consumer information with them when leaving employment?
Product: Debt collection

Nationwide intermediary services threatened to take legal action during harassing phone calls
Product: Student loan

I attended the XXXX XXXX XXXX Colorado between XXXX and XXXX. My school engaged in misconduct and misled me and other students about job placement rates, graduate salaries, available career services, relationships with industry employers, and the quality of education for our chosen fields. The Department of Education has investigated for years and found evidence of the aforementioned misconduct commited by the XXXX XXXX and has issued full relief for borrowers with federal loans for former AI students. My federal loan balance of $ XXXX has been discharged through BDTR, but I have a remaining balance of over $ XXXX in private loans which I have paid over $ XXXX on since XXXX which I am seeking relief for. Navient has an application for school misconduct discharge for private loans that I filled out and submitted on XX/XX/XXXX and Navient confirmed receipt of this application on XX/XX/XXXX. On XX/XX/XXXX I recieved notice from Navient that my application was denied and the reason they gave was " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' This is not an adequate explanation given the proven misconduct of my school and the harm it caused me that I outlined in my application and that has also been outlined by the Department of Education in their group discharge for former AI students.
Product: Credit reporting or other personal consumer reports

Equifax is notorious for reporting out dated, fraudulent, inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

My Credit Card Information ending in XXXX is not being reported by XXXX XXXX and TransUnion, I have been getting this resolve for many months and it was unsuccessful. TransUnion told me to do a POA so they can reinsert the account back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on reviewing my reports, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XX/XX/XXXX and XX/XX/XXXX was XXXX,, but no response was ever received from them today date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports that need to be corrected and removed in my file immediately : { Account # XXXXXXX= XXXX XXXX XXXX XXXX and XXXXXXX= XXXX.