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

there is no sufficient information to support Transunion 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX/XXXX  ( Original Creditor : XXXX ) XXXX, XXXX/XXXX  ( Original Creditor : XXXX ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX  , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX , XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX  ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I ordered a XXXX XXXX XXXX XXXX XXXX XXXX. I received a fraud alert on before I even received the credit card. I called Barclays who holds the card and they told me to destroy the card when it arrives and they will send a new one. I never received the original or the replacement card. I called monthly and explained the situation I was told they would correct it and get a new card to me asap. After about a year of calling in to no avail I stared receiving a charge for annual dues for {$99.00} dollars. I continued to call asking for help explaining I never received the card, there has never been a charge on it and I should not be responsible for dues until I receive the card the person always agrees tells me not to worry the {$99.00} and they will get a new card to me. I explained the situation and I keep getting the same story I asked to speak to a XXXX but none were ever available. In XXXX I received another email saying I owed {$99.00}. I was told they had been turning me in to collections and I had to pay or cancel the card to stop the charges. I recently took out a loan for a new vehicle and they stated my credit rating dropped from mid XXXX to XXXX because of a Barclays unpaid bill. I called several more times to correct the situation been placed on hold, dropped calls, no mgr available, on and on, lncluding call back on XXXX. I am. Small business owner and have very little free time so you can XXXX my frustration and amazement how a company that large can be so inefficient and then turn me in for a service they never provided. I finally made contact with a XXXX after a I dont know how many more phone calls, transfers and dropped calls. I was given a dispute number and told someone would contact me shortly. Its been XXXX weeks they have not reached out and my new loan interest rate went from XXXX to XXXX Which will probably cost me an additional XXXX or {$10000.00} over XXXX year loan. I dont believe I should be be responsible for the {$99.00} charge as I have never received the credit card after XXXX year of trying. Theyre in inability to solve the problem has been stressful, time-consuming, and has ruined my credit. I am reaching out to you because I dont know where else to turn. I will next reach out to the Better Business Bureau and then the state Attorney General. I run a very successful business, I also invest in real estate and the whole time them telling me not to worry about the {$99.00} and then turning me in for bad credit is just insane to me. 
.
Product: Credit card or prepaid card

American Express membership rewards has switched to views/screens that do not allow for someone to reconcile the points we SHOULD receive per the terms/conditions/charges etc. vs. what they maintain in our Membership Rewards account. They do not show how/when amounts are added to or removed from the account in a way that supports a simple monthly reconciliation. This is exascerbated by the fact that I've recently had to deal with a multi-month issue where they were not provided the Membership Rewards points as described by the terms and conditions of the card used. After months and months of complaints, American Express finally admitted an issue and simply sent an email saying something like " we identified an issue. It's resolved. You don't need to do anything else ''. They never provided the details of how the issue affected my Membership Rewards account balance, they never provided any numbers for how things were resolved etc. 

Now that they have made it impossible for users to reconcile, any future issues will be almost impossible to catch because there is no transparency to the Membership Rewards account posting credits and debits. Rather, they simply show a PARTIAL listing of transactions which at some point ( we never know when ) apparently switch from " pending '' ( aka not included in account ) to " posted '' ( aka included in account ). 

The new updated website makes it impossible for a consumer like me to hold Amex accountable to the terms and conditions of their rewards program.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to my previous complaint ... I filed for Chapter  XXXX  in  2010 , this is reported by the Credit Bureaus as FILED, when it should be reported as  DISCHARGED. Not to mention, it is now past seven years.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and do not recall this account. These accounts are fraudulent. I am not liable for this debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Money transfers

I was wired money by my sister across the country. I went to the nearest western union licensed against. There were probably XXXX or XXXX other customers in the store. I go to grab a slip that I 'm supposed to write my private information on including : my password, phone number, address, and that same information about my sister the sender of money. When I ask for a form to fill out he says do n't worry about just tell me the information. So I provide him with the information but because it is not written down I believe he put the password in wrong. He says " The passwords wrong I can help you '' and go 's to another person. As I 'm on the phone with customer service I hear him making derogatory and discriminating remarks about XXXX and refusing to answer customer clients. He seemed to have XXXX friends hanging out with him and was only interested in getting the rest of us out. When I reached customer service via phone I explained to the guy on the phone that I am attempting to receive money but the agent claims he 's locked out of the system, so the phone guy told me to tell the agent to call a certain number. The Agent say " No, I do n't feel like it right now, maybe if you come tomorrow. '' I relay this to the guy on the phone who I then attempt to get the agent to talk to. the againt says " No, You should go. '' So then I tell the guy on the phone I 'd like to file a complaint about this again. The guy on the phone says he needs his name and agent license number. I have neither so I ask the agent and his reply is Get out. Ultimately I never got his name or license number, but I did get the store address and name, and he is the only guy behind the counter during the day time. He also Never gave me the money I came in for although now he and all of his friends in the store had the private information for withdrawing the transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX via XXXX XXXX. I fully paid off my balance. I had XXXX due. I have paper bills with XXXX dollars due on them. I just noticed they started sending me bills for late fees on my XXXX dollar balance. I want the charges reversed and the inaccurate information removed from my credit report. I did call and explain to them what happened and let them know I would report them to the FTC and the customer service rep told me to go right ahead.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information XXXX times. I filed XXXX police reports. 
DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen XXXX times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

To Whom it XXXX Concern ; This is in reference to the Consumer Report sent by your Company via mail dated XXXX, XXXX. While checking the above report, it came to my notice that your Company has furnished an account on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company XXXX amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX. 

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap
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 confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$450.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXXXXXX XXXX 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 XX/XX/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.
Product: Debt collection

After been disputing wrong information on my credit report for about a year, a lot of the accounts that were not mine were removed from my credit report, but, no too long ago I received a collection letter from XXXX XXXX XXXX trying to collect on behalf of XXXX, one of the accounts that were included on my identity theft package, after disputing via CFPB, they removed the account, unfortunately, just a few days ago, after checking my credit report, I found out that a new collection ( EOS CCA XXXX came up collecting on the same account. 

Attached is my Affidavit of Identity theft package submitted via CFPB for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing an account reported by XXXX XXXX on my credit bureaus. I have tried to get this removed numerous times without any luck. They are currently reporting as a collection that was included in a chapter XXXX Bankruptcy XX/XX/2012. The original creditor shows XXXX XXXX XXXX. I have never had an account with them nor have I filed a bankruptcy. This information is incorrect and I would like this removed as it is hurting my creditworthiness and my ability to purchase my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed an account that is listed on my Equifax credit report, but Equifax continues to claim that it is my account, even after an " investigation. '' I have tried to contact the credit card company directly ( XXXX XXXXXXXX ) but can not get through their system because I don't have the full account number and they don't recognize my SSN ( because it is not my account ). I was unable to get through to a live person at XXXX XXXX. The account that is listed on Equifax has a balance owing of {$7600.00} and a credit limit of {$14000.00}. It was opened XXXX XXXXXXXX XXXX Payments on this account are being made by someone, not me. I want the account removed from my credit report and I want XXXX  XXXX to clarify/correct the contact information so it does not get mixed up again. I would also like to know how this error happened and if it is someone who shares my same name, or what exactly has caused the error. Thank you very much for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked with XXXX XXXX XXXX XXXX XXXX about the reason my rates were climbing. They informed me that my recent credit report did not qualify me for a better rate on XX/XX/2018. My XXXX score at that time was XXXX. They explained that they received the credit info from LexisNexis Consumer Center. I sent a letter to LexisNexis on XX/XX/2018 asking them to explain to me what was in my record that made my insurance rates rise so much. On XX/XX/2018 they sent me a letter that they needed to authenticate my identity. It was returned to them the next day. The last letter dated XX/XX/2018 stated they could not find any data on me. Also, documented facts that files XXXXay be in their system must be sent to them before they conduct additional research. All the documents i have referenced are available to you if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account don't belong to me. Please remove this from XXXX. Please see below the account that is reporting derogatory on XXXX. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize he following inquiries listed below. there were not obtained with my consent. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Cbna/sears Hard Inquiry from XXXX XXXX, 2016 XXXX, OH XXXX ( XXXX ) XXXX Info from XXXX & XXXX  via XXXX XXXX XXXX XXXX website. 

This hard inquiry was not authorized by me as I have never applied for any type of credit from sears.
Product: Debt collection

I had a Home Depot account that went into collections with XXXX XXXX XXXX. I entered into a settlement agreement with XXXX XXXX XXXX  and made 1st payment fine with no problem received a confirmation letter in mail for payment. XXXX sent me 2 letters, 1 in the month of XXXX and one in XXXX reminding me that my final settlement payment of {$180.00} was due on by XX/XX/2018. I paid the amount required on the letter on XX/XX/2018 with a rep from their company. On XX/XX/2018 at XXXX I get a call from a XXXX, I believe this is what he said his name was, stating I was short {$63.00}. I advised him female that took my payment said she saw the letter that was mailed to me and agreed amount on letter was correct that I should get a settlement letter within 10 business days. He wanted to argue. I told him he must honor what was place in writing on their letter head, he refused. He then placed me on line with a guy name XXXX XXXX said he was not a supervisor but the person that handles complaints that no manager was there and he refused to argue and told me I need to pay the additional amount. I told him I wasn't paying anymore this is not what was on their letter, he proceed to tell me that the settlement will be voided and they would go after me. I requested a manager, he said no manager he is the manager. I advised he previously told me there was a manager now there is no manager. I explain to have manager contact me today XX/XX/2018 and hung up on him. This company is not willing to accept what they placed in writing and agreed upon when they took my money for payment. I want Citibank ( HomeDepot ) made aware of this and this company.
Product: Credit card or prepaid card

Good evening, On Saturday, XX/XX/2021. I was informed ALL of my accounts were closed with Capital One stating that I violated a clause within the terms and conditions. The I called and spoke with a XXXX I was advised this was because I was unable to properly protect my account from unauthorized charges You all can pull the call that will confirm this as its being recorded for quality assurance. XXXX with is the credit card that you all have contact ensures {$0.00} fraud liability, According to you all terms and conditions UNAUTHORIZED CHARGES fall under fraud. 

This is were is gets a bit hazy and my lawyer will be reaching out, the letter that Capital One mailed on XX/XX/XXXX, states my accounts were closed for not protecting my account from charges I did not authorized when I asked how is this to be done from your rep I was told to lock my card in safe. When Ive personally been a victim of identity theft which can be verified amongst all of my accounts and was called to confirm my identity. As a client that has had an auto loan, XXXX credit cards as the primary, a few as the authorized user and a bank account. I am in total dismay at the customer service and how Capital One literally blames there client for fraudulent transactions by the closure of accounts although the history of the count has NEVER warranted such penalty. NOW, I am being affected XXXX again for acts done against me or NO fault of my own. The {$0.00} fraud liability you all proclaim is NOT without consequences and should be communicated to potential consumers. 

It is unfair that I am being penalized. My credit has taken a hit via inquiries and drop in utilization all for reporting charges that were fraudulent to the company that is supposed to be bringing humanity, ingenuity, and simplicity to banking.
Product: Debt collection

I received a call from a company that called itself XXXX. their phone number XXXX. They called saying i owed a debt to XXXX XXXX XXXX XXXX XXXX nc. I do not, my insurance pays for everything. When i spoke to XXXX  they in formed me that they did not know the company nor did i owe. It would seem that this company aquired my information some how and not legaly. The hospital is XXXX XXXX XXXX XXXX XXXX  nc. I can only assume that XXXX XXXX system may have been hacked or violated in some way. this happend on XX/XX/2021 at app XXXX XXXX  that was the time of the call to me. XXXX have done NOTHING. I did notify my security company and had an alert put on my credit report etc. XXXX my carrier was also notified and helped with the alert.
Product: Debt collection

The company failed to show me any proof of a contract I have with them. I have never done business with this company before. 
They have reached out to me earlier this year in an attempt to collect a debt that I do no owe. 
They removed the item from my credit report earlier this year, then proceeded to put the account back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts my credit reports from all 3 companies reporting inaccurate information. I have open accounts that show inaccurate information. I also have closed accounts reporting inaccurate information and have made disputes with all three agency 's XXXX Experian and XXXX that are just wrong and damaging my credit. I have tried disputes and serm to get no where they say they will remove the information and it'd still there. Also XXXX was hacked a few years ago and I have all kinds of inquiries that I haven't done hard inquiries ruining my credit score Under 15 USC 1681 i have the right to privacy and accurate informationand thr right to have all these acvoubts removed from my credit report. Under the law. 
I HAVE 11 ACCOUNTS THAT ARE OPEN AND ARE MOT ACCURATE.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Western Finance address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX phone : XXXX email : XXXX During routine attempts at contacting me via references, gave my loan info to my reference to accept a payment of a past due balance.
Product: Checking or savings account

Pnc bank toke money out my Account and didnt gave me my money back someone broke in my apartment got police report and they close my account
Product: Student loan

My loans transferred to Mohela earlier in 2023 and they put me on the higher IDR payment in error due to " not recertifyingin time '', but that was pushed out due to the covid forbearance. It took several months from XX/XX/2023 to XX/XX/2023 for my IDR plan to be corrected due to Mohela 's processing mistake. I was told by multiple supervisors that the forbearance time from XX/XX/2023 to XX/XX/2023 would still count towards PSLF as it was placed on my account administratively to allow Mohela time to correct their mistake. I also have a forbearance covering XX/XX/2023 as well that I didn't request and that was Mohela 's doing. I'm participating in the PSLF program and want everything to be in compliance to count towards PSLF.