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

On dates XX/XX/XXXX I sent a letter to the credit bureau transunion informing them of inquiries on my credit report that I did not authorize, along with proof of an email I received from the president of XXXX ( see below from the company/creditor ) stating they also reached out to transunion to delete these inquires off my credit report. Here it is over a year and they have yet to remove them. I also sent a recent letter along with proof again on XX/XX/XXXX and they still have not remove these inquiries. 

RE : Duplicate Credit Bureau inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX, XXXX XXXX to me Dear XXXX XXXX, Thank you for taking the time to speak with me on XX/XX/XXXX. As we discussed, I have submitted two requests to the credit bureau to delete inquires for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The updates to your personal credit report may take up to 60 days. Should you have any additional questions or concerns, please feel free to contact me directly at XXXX ext. XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX T : XXXX XXXX XXXX XXXX F : XXXX XXXX XXXX
Product: Debt collection

Rash Curtis and Associates contacted me twice after receiving a certified letter asking for proof of debt and to cease and desist communication. The letter was received XXXX XXXX at XXXX. 

I then received a robocall and after a brief dialogue, informed the first representative that I work at home, the call was interfering with my job, and I previously asked not to be contacted. A couple hours later, the robodialer called again and the second representative confirmed notes from the first call. 

The frequency of automated robocalls indicates the beginning of a harassment campaign.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a complaint to CFPB regarding XXXX  's inability to provide me ( the consumer ) with the method of verification used to verify an erroneous bankruptcy on my credit report. The complaint was filed because after attempts on XX/XX/XXXX and XX/XX/XXXX, XXXX  failed to provide me any information on how this information was verified or who would've furnished this false information to them. They merely stated it was verified and this has remained on my credit report without explanation. 

On XX/XX/XXXX, XXXX  responded to the XX/XX/XXXX CFPB complaint stating that they would get back to me in 30 days to inform me of how they planned to resolve this issue and/or provide me with their method of verification used. It is now XX/XX/XXXX, past 30 days, and I still have no answer as to how this erroneous information ended up on my credit report. 

At this point, this erroneous and unverified information needs to be deleted from my credit report immediately. 

Refer to CFPB complaint ID : XXXX
Product: Prepaid card

Tried purchasing " online '' on XXXX, XXXX, XXXX, XXXX, XXXX, and it continues to get declined. Although, there is a full balance available. I thought it was a mistake. Purchased another Amx prepaid gift card and same problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with experian XX/XX/2021, experian did not respond until XX/XX/XXXX which means their response has been over 30 days. I tried to dispute and experian refused to remove from my credit report.
Product: Debt collection

This is from a payday loan from a few years ago that I have not paid. I have been tourchered by them for over a year with threatening emails, telephone calls at work and to XXXX. party individuals that are not even associated with me. I have told them via email and via phone to quit calling me. An example, I have received XXXX phone calls between XXXX and XXXX from them.
Product: Mortgage

This is the second complaint I am lodging against Mr. Cooper. This company is problematic on many fronts! The first complaint I filed is still with them -- and they probably won't respond or if they finally do, it will be a canned response and nothing will be resolved. I have been disappointed with them from the time they took over my mortgage from XXXX XXXX. 

They are impossible to reach by phone or email ( only chat is available and the agents are of no help ). Even though I set up an account dutifully, they continued to send me urgent alerts by email and regular mail stating my mortgage payment would not be paid unless I took even more action ( which was nonsense ). This scared me as I have never missed a mortgage payment and I had set up an account and completed all steps that I needed to for ACH payment processing. 

Then they started bombarding me with predatory lending marketing emails stating I should take out a loan against my home 's equity. I asked numerous times to unsubscribe and continued to get those emails. 

Today, I learned that they were the victim of a cyber-attack on XXXX and now their entire website is on lockdown -- as a mortgage customer I can not log in or view anything related to my account. This is egregious! 

This is three strikes -- this company needs to be put out of business and folks like me who work hard and pay our mortgages need to be allowed to bank elsewhere. I did not select this company and do not want to do business with this company. They are unprofessional/incompetent at best and and running some type of scam at worst. I do not trust them. It's one thing after another. I demand to be allowed to bank elsewhere and transfer my mortgage to a reputable institution ASAP! I have filed complaints everywhere I can ( with the FTC, XXXX, and this site ). Mr. Cooper must be held accountable for negligence and the inability to run a business at even a basic level of competence -- I am worried about the impact this will have to my family and home!
Product: Credit reporting or other personal consumer reports

I have spoken with several Experian representatives in customer service, the fraud department and escalations regarding the negative and harmful items being reported on my credit report controlled by their agency. 

On XXXX I called Experian for the 3rd time requesting that 3 accounts XXXX XXXX XXXX are reporting be removed from my credit report. The representative told me they would not remove anything from my report and they could only dispute the items and allow the company to respond. I told them I've already disputed these items in the past and their investigation took less than 3 days before reporting the debt as valid. Experian has repeatedly not taken appropriate steps to validate debt disputed by consumers. Their investigations are done within a week in comparison to other credit agencies which take almost 30 days to thoroughly and accurately look into the consumers dispute. 

On XXXX I gave the Experian rep the reasons notated below for removal. Although this is MY credit report and I shouldn't have to list out any reasons at all, I still provided these point : 1. Under the Privacy Law of 1974 and under the Opt Out Law, any authorization that the debt collector believes they have, they no longer have and the items I'm requesting needs to be removed. These need to be removed according to the law within 4 days. 

2. Charge offs are income. Congress says no income can be reported on your consumer credit reports.15 U.S. Code 1681 ( 2 ) ( a ) ( i ) no transaction or experiences can be reported. Income is transaction and experience. Once the original creditor charges off the debt, they have forfeited all their rights to collect the debt from me 3.FCRA 1681c ( a ) ( 4 ) no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 

4.The statute of limitations for Texas state law says that any debt older than 3 years in considered zombie debt. These debts are 5 years old. Experian has an article published on their website dated XXXX XXXX XXXX entitled " What is Zombie Debt '' recognizing zombie debt and how harmful it can be to a consumers life. This article discusses option to handle Debts that exceeded their statute of limitations ( the period in which you can be sued for the total debt ). XXXX XXXX has sold one of my debts to XXXX XXXX XXXX XXXX XXXX  and refuses to speak with me about the debt and says I have to contact the attorney to get more information. 

5. 15 U.S. Code 1681a ( d ) ( 2 ) ( i ) Consumer Report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Experian has already been sued for violation 15 USC 1681e ( b ) compliance procedures accuracy of reporting. According with the law my consumer report shall be prepared with MAXIMUM ACCURACY. 

REMEDY : Experian needs to remove ALL CHARGE OFFS and pay the maximum fine for violations.
Product: Debt collection

I do not owe XXXX above the {$9.00}. My letter to XXXX XXXX XXXX XXXX XXXX of XX/XX/XXXX documents the dates, times and funds owed for two days of service after my XXXX XXXX was closed ( copy enclosed with my letter of XX/XX/XXXX ). 

I have not been provided with any documentation to show I owe XXXX any amount above my calculation of {$9.00},. As documented in previous letters, I have tried to no avail to get Spectrum, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX to provide documentation. I sent check of {$9.00} to XXXX XXXX who returned it. 

Current Collection Agency : CBE Group Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Made a purchase on my comenity express credit card on XX/XX/XXXX for XXXX. I Returned the item on XXXXOnly purchase I made of billing cycle so balance should have been XXXX and no payment should have been due. On XX/XX/XXXX I was charged a late fee of XXXX. I called customer service and was told they would waive the fee and and interest and account would be at XXXX and assured me I needed to do nothing else on my end and was in good standing. However I was charged a {$2.00} interest charge on XX/XX/XXXX and then another late fee of XXXX on XX/XX/XXXX and another interest charge of {$2.00} on XX/XX/XXXX. I called customer service again today XX/XX/XXXX hoping to resolve issue to no resolve and was only willing to waive one late fee. I have nothing to show for the {$57.00} they are billing me for as the pants I had purchased were returned. I had been told my account was XXXX out and was in good standing and no action was needed from me. I feel I was mislead by customer service and basically being charged for nothing and have nothing to show for it. Even tried speaking with a supervisor with no luck resolving the issue. I would just like my account zeroed out and closed as I have done everything on my end to try and resolve the issue. I have been a customer since XXXX and never had issues in paying late fees when I was at fault. I would expect in customer service an understanding of situation and a willingness to compromise when a king good standing customer is reaching out and being upfront about situation. Very disappointed.
Product: Debt collection

I XXXX XXXX Went to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, after my insurance coverage I was owe {$480.00}, did not make payment on time my bills went to medicredit debt collector I reached out to them couple times end up get some discount so the representative said I could pay off and get some discount I end up paid {$330.00} after some discount was paid on XX/XX/XXXX And now I got another bill with the amount of {$3400.00} That was not mine nor have I been to the hospital again since then. 
Tried reach out to them I did not get anywhere with it. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX  with several bank accounts with Chase. I discovered that one of my accounts was breached and someone electronically transferred funds from my account in XXXX, XXXX and XXXX. The transactions were made to different companies. I contacted Chase in XXXX when I discovered it. The claims agent put all the transactions on a single claim. 

Later however, Chase said I would be able to recoup the money from XXXX and XXXX but not XXXX. Apparently the would not honor it because the date from the last transaction was more than 30 days from the first transaction on the same claim. This sounded nonsensical to me since I would have expected that the older claims might have been denied. But the more recent claims were denied instead. It was stated that because they were placed on the same claim, the later transactions would not be honored. It was explained to me that had it been submitted in two different claims it would have been accepted. Obviously had I known this, I would have had the claims agent submit 2 different claims. 

I went to my local branch in XXXX, NJ. The branch employee there called the claims department. He was told the same thing : if the original claims agent had put this on 2 separate claims, the latter claims would be honored. The claims agent who spoke to the branch employee added to him but I dont advise you to tell the customer that. I heard the claims agent make this statement and it was confirmed by the bank employee that that was what was said. 

The matter was sent to escalations. The customer service agent said the bank would work on it and contact me again. Meanwhile, I called the companies who were paid using my funds. These companies said they cant reverse the charges unless Chase contacts themwhich Chase refuses to do. Im not asking Chase to themselves give me the money. I simply want Chase to tell these companies that the money was not authorized by me. Yet Chase refuses to do so.

I called escalations on multiple occasions and I havent heard back from them since. However, minutes ago the local branch manager just called and stated that the escalations department contacted him and said theres nothing they are willing to do since the fraud charges took place 30 days apart. Chase has now changed their story to say the number of claims didnt matter. Despite it being different vendors and different individuals involved, Chase simply refuses to assist me in any way. I am appalled that they changed their story and that they are unwilling to assist their customer.

Again, I want to reiterate : at no point have I expressed a desire for Chase to give me the money back themselves. I just want Chase to alert the companies that were the recipients of these funds that they were illegally sent so those companies can return my money. I am hoping you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've called several times and tried on several occasions to submit a dispute online and phone. I never received a confirmation number for my online request. When I called on  XXXX -17, the representative said their is no record of my online complaint there is only a disputed letter from a credit repair company I 'm no longer associated with as of  XXXX -17. My dispute is different from what the credit repair company submitted and it involves  XXXX  accounts which I am not the authorized user. My father and Stepmother have spoke to the credit card companies to ensure my name is not listed as an authorized user and in each case both companies confirmed I am not an authorized user. The confusion comes from me and my dad sharing the same name. The other  XXXX  credit bureaus are reporting this correctly. This is company is not helping me remove these  XXXX  accounts. I spoke to a representative who took my phone dispute and she never provided me a conformation number or she stated I would receive it via email. I 've yet to receive it. I check online, my request is not found. I need help. The  XXXX  accounts in question are  XXXX  ending in  XXXX  and  XXXX  beginning with  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many wrong items in my report. I have never paid late these accounts :  XXXX  Account #  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   -   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   XXXX    -   XXXX   XXXX   XXXX   XXXX   -   XXXX
Product: Debt collection

I am writing to formally raise my complaint regarding the inaccurate credit information present on my credit file. It is disconcerting to find that the following information has been included in my credit report. I strongly urge you to promptly verify the inaccuracy of this information and remove it from my profile due to the detrimental impact of such inaccuracies on my creditworthiness. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. These items contains inaccurate details : XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Please remove these items from my credit profile ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to furnish information 12 negative accounts on credit file. According to FCRA anything that permits as a liability will be a HIPPA Violation.
Product: Credit card or prepaid card

My credit score l am a XXXX per discover credit card is XXXX I have used that card and paid them off then just put the card away with a XXXX balance, l had a {$25000.00} loan with lending tree which l paid off in full o balance. I have credit card debt but Never chosen to consolidate the debt because l dont have a problem paying my cards never missed a payment ever yes my balance went up on credit usage but still no missed payments or asked any of my lenders for help. Now this discover Card is just deciding to close my Account. I think l have been discriminated against because of age and being a single woman, shame on discover card in a time like that to do that to anyone. I dont need there credit card at all this is why l have not used that card. But l think this company needs to be reported, probably doing this to lots of poor people.
Product: Debt collection

Did not know about this debt until it was reported on my credit report. I dont owe debt or not aware of it.
Product: Credit card

XXXX owed me a credit of {$10.00} and provided my refund by a credit card that I had to sign up for and be responsible for fees. They advertised that I could request a paper check on the website which you can not. Customer service was no help referring me to a 3rd party North Lane Technologies Inc. Tried to get on their website and they require me to activate the card which I do not want to do lest I incur fees. There is no human customer service available from this company at the number provided XXXX XXXX or at website XXXXnorthlaneXXXXThis all seems like a scam to sell credit cards that I neither want or need or to avoid providing the credit
Product: Debt collection

On XXXX XXXX, 2019 I paid First Federal Credit Control {$720.00} to pay in full 7 medical bills that were placed with them for collection. As of my XX/XX/2019 all 7 derogatory entries are still on my bureau. 

Spoke to FFCC several times and they show that I paid accounts in full and claim to have sent this information to all 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd Amendment with Additional Dispute with Transunion Unknown and Approved Credit Inquiries to Complaint -- XXXX about TRANSUNION. 

Transunion refused to allow me to dispute the following inquiries as have not applied for any credit with the following companies, banks, loan servicing entities, and I am disputing : 1. XXXX XXXX, Inquiry XX/XX/XXXX, not my request 2. XXXX XXXX XXXX, Inquiry XX/XX/XXXX, not my request 3. XXXX XXXX, inquiry XX/XX/XXXX, not my request 4. Duplicated Transunion Interactive, inquiry three three ( 3 ) on XX/XX/XXXX, not my request 5. Duplicated Transunion Interactive, inquiry three times ( 3 ) on XX/XX/XXXX, not my request 6. XXXX XXXX XXXX XXXX, inquiry on XX/XX/XXXX, not my request and duplicated 7.XXXX XXXX XXXX, inquiry on XX/XX/XXXX, not my request 8.   XXXX XXXX XXXX, inquiry XX/XX/XXXX, not my request 9. XXXX XXXX, inquiry XX/XX/XXXX, not my request
Product: Debt collection

I requested the initial paperwork regarding terms with Credit Acceptance & my GAP agreement & they have failed to provide either one.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under XXXX XXXX XXXX. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX 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.

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 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.