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

when I recently checked my credit report I seen that there was a closed XXXX XXXX account on my report opened XX/XX/2022 I was not made aware of it this is my XXXX XXXX seeing the account on my report and since it was reported as a closed account I would like for it to get removed of my report I contacted both XXXX XXXXXXXX and the credit bureaus but they have not made the actions to get the account removed off of my credit report Its been past XXXX XXXX I have put the report in with identify theft as well and now I am here reporting this I would like for this to XXXX off my report it is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I have at least XXXX pre-paid gift cards that I purchased to make online purchases. The smallest gift card I have is worth more than {$200.00}, while some have a {$500.00} value. I am having difficulty using these cards, as most websites are declining the cards or just simply do not accept that form of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed in two dispute letters requesting that Experian to verify negative accounts on my credit report. They " verified '' these accounts after online dispute. I have since mailed two different dispute letters, and both times, I got back from them a letter in the mail stating they will not reinvestigate. I called and spoke to an Experian representative named XXXX. She stated to me that they do not have an original signed contract from the original creditor as required under the FCRA Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Experian has failed to provide the method of verification as required under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil Liability and the remedy available to me under Section 616 & 617 of the FCRA, if the CRA fails to comply with the federal law. I demand the following accounts be VERIFIED OR DELETED IMMEDIATELY. 

1. XXXX XXXX XXXX  XXXX  ( accnt # : XXXX ) 2. XXXX XXXX XXXX ( accnt # : XXXX ) 3. XXXX XXXX XXXX ( accnt # : XXXX XXXX 4. XXXX  XXXX XXXX ( accnt # : XXXX ) XXXX. XXXX XXXX ( accnt # : XXXX )
Product: Debt collection

I checked my credit reports and XXXX  had a listing for a debt collection agency ( XXXX XXXX, XXXX ) for a XXXX account I never had. I disputed it at XXXX and sent XXXX XXXX, XXXX a letter of my dispute. 
Today I received their response, " This debt is valid, attached is verification of the debt '' and a copy of a XXXX bill with my name and an address and state I never lived at. 
In my research this seems to be a common scam.
Product: Payday loan, title loan, or personal loan

I was approached by XXXX Customer Service with a link to apply for personal loans of {$25000.00} of 8.693 % APR with a monthly payment of {$510.00} for 60 months with Figure Technologies. Figure Technologies charged a {$750.00} non-refundable origination fee for a five-year {$25000.00} personal loan. On the website of www.figure.com, the APR interest rate is stated as 8.08 % while the loan statement is stated as 9.34 %.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed ITEMS from my credit report as well as update the ITEMS from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX, I noticed that my American Express credit card had fraudulent transactions made under my XXXX 's credit card. I immediately searched to see if the credit card was still in my possession but it was not, it was stolen. 
I immediately logged on to my American Express account and noticed XXXX fraudulent transactions were made XXXX XXXX XXXX CA - {$100.00} THE XXXX XXXX XXXX CA - {$11.00} As soon as I saw this, I called in to American Express, reported my credit card was stolen, and disputed these transactions as I did not make them. 

As of today, XX/XX/21, American Express has taken absolutely no action. I called in and they told me because the charges were reported while they were pending, I was expected to call in again once they stopped being pending. This was not communicated to me when I reported these charges on XXXX. 

To make matters worse, American Express stated these charges will not be credited back into my account. They will only investigate the fraud claims and I will need to wait until 30 days to hear back from. These charges are still sitting in my American Express credit card account balance even though I did not make them, and thus, still makes me liable to pay for them.
Product: Debt collection

Kirschenbaum, Phillips & Levy P.C. in an attempt to collect a debt they have illegally placed a levy on our checking account. My family has no access to funds to pay for childcare, diapers etc. Kirschenbaum & Phillips did not have the authority from XXXX University at the time of their banking hold to work on their behalf. They were operating without consent of XXXX University and withheld access to my banking accounts using outdated documentation. And while doing so, attempted to collect over {$20000.00}. Over the course of four business days, they told me XXXX different amounts of money that they HAD to receive before being able to remove the hold on my accounts, and went so far as to demand pay stubs and banking transaction information. 
We have been in contact with the original debtor and they have stated that they no longer have a contract with Kirschenbaum , Phillips & Levy P.C.. However, Kirschenbaum, Phillips & Levy P.C. refuses to release the hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

So on XX/XX/2018 I get a update from XXXX XXXX  stating that XXXX has been removed from my Equifax credit file..I contacted Equifax and they stated that XXXX stated that the account belongs to me ... I contacted XXXX numerous of times and ask them since the account is paid in full can they remove it from my account Im getting fraudulent fees back from equifax and XXXX but XXXX XXXX said they will update my information and late payments are still showing which is wrong. Equifax keep updating with XXXX XXXX that account is remove which now they saying it was updated to change account
Product: Vehicle loan or lease

During the month of XX/XX/XXXX, I approached my lender about not receiving my car title. After several days I was told that I had a balance. But as far as I'm concerned I don't. 

Prior to my bankruptcy discharge those with a secured interest were sent notice whereby they could advise if I had a balance and this company did not.object. I followed up and sent Exeter a certified return receipt correspondence on XX/XX/XXXX and still no reply. 

Return receipt number XXXX
Product: Credit reporting

TransUnion claims there is an accurate public record being reported on my credit report. I 've asked them to verify it with the company reporting. I 've asked them for proper proof of verification & they requested I contact the data furnisher. When I contacted the data furnisher they claim they do not report to the credit reporting agencies & no one has contacted them directly to verify the information. I would like the public record removed from my credit report immediately!!!
Product: Checking or savings account

I put in a dispute to chime for Account Number Ending In : XXXX  Claim ID : XXXX Dispute Type : Debit Date Error Reported : XXXX Document Request Date : XXXX Claim Amount : {$1900.00} They responded Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed witch is incorrect I even explained to them how I had nothing to do with the charges and how they were unauthorized but yet theyve denied my claims more than once. Even asked them to block both of the merchants the last time it happened even before this dispute claim they failed to do so causing it to happen again. I will upload a document of the so called documents they used to make theyre final decision witch is nothing but an intake form literally thats it.
Product: Credit card

I have had a Barclays credit card for years, in addition I have XXXX delinquencies on my credit report. Barclays mails offers for 0 % interest on balance transfers ( for credit card ). I took up the offer and transfers {$2700.00}. dollars. On XXXX XXXX, I received a letter in the mail that my limit is being lowered because I had a XXXX fico score from XXXX ( XXXX ). According to XXXX XXXX is good credit and with XXXX delinquencies, I feel Barclays card is now hurting my score by lowering my credit limit, by a unjust means. 

They are using a ROBO style decision that will hurt XXXX 's of people applying for school loans, insurance or even jobs. I feel if you dig deeper, Barclays is looking to lower their credit exosphere because of the recent failed capital requirements. They are cutting and hurting highly qualified people like myself. I take great pride in my credit and I now with lower credit limits, they will cost me higher rates, higher insurances so they can show they have enough capital. This not fair, and personally working in financial credit risk for XXXX years, if you looked at their practice, a lot would be exposed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my bill on time with my mortgage company but I now have a 30 day late payment on my report. I recently tried to get a home loan and i noticed that they have the late payment reporting on my credit report. I was set up on auto payment so i never could've been late. It's damaging my credit score and affecting my ability to get a home loan. Please help. I have disputed them with the company and the credit bureaus but have had no success. Any assistance you can give would be greatly appreciated. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, XXXX OH XXXX. Please remove any other address from my file they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX  XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX , XXXX , VA XXXX XXXX XXXX XXXX, XXXX , VA XXXX XXXX XXXX XXXX , XXXX XXXX , VA XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Product: Credit card or prepaid card

I have found an article proving you guys are wrongfully reporting credit info from CFPB article on Goldman Sachs. Please update my history to 100 %. Goldman Sachs is in violation of 15 USC ( Section ) 1666B for billing error. I have always paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are falsely reporting late on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also please reference pages 11 and 12 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer credit report and noticed some inaccurate items XXXX XXXX has been furnishing that are also in violation of the law including my right to privacy. As a federally protected consumer, i have the right to privacy per the Privacy Act of 1974. The account listed ( in the dispute letter attached ) is reporting inaccurate late payments to non affiliated third parties and I hereby opt out of XXXX XXXX sharing my non public personal information to non affiliated third parties, such as the Credit Reporting Agencies. This is a major violation of the law and major violation to my rights as a consumer acting in good faith with my commercial dealings. These unlawful practices XXXX XXXX is exercising on me as the consumer are causing hardship onto me and the well being of my family. 
Violations mentioned in the attached letter are pursuant to 15 USC 1681, 15 USC 1666b, and 15 USC 1637 ( b ).

Transactions and experiences are not included on the consumer report but XXXX XXXX is unlawfully reporting transactions and experiences to XXXX, TransUnion, and XXXX ( whom are non affiliated third party companies ). 

Regardless of the many violations, I need XXXX  XXXX to honor my right to exercise the opt out nondisclosure option per 12 CFR 1016 and 15 USC 6802, and no longer report these transactions/experiences to the CRAs especially since the account is PAID IN FULL.
Product: Credit reporting or other personal consumer reports

I had an account with TD Bank/Raymour and Flanigan to purchase furniture. I was late with making the payments and received a call from XXXX XXXX  with a settlement agreement which I took and have been paying faithfully since XXXX of XXXX  I am now receiving collection letters calls and bad reporting from Raymour and Flanigan stating that they have not received payment since XX/XX/2024. They payments sent to XXXX XXXX are automatic every 2 weeks. I have called about this situation 3 times to Raymour and Flanigan/TD Bank to update the records and correct it. Now my credit score has dropped again because they are reporting me as being delinquent when they should not be servicing the account any longer. They keep giving me the run around and sending me back to XXXX XXXX who states I am in good standing with them. I pay XXXX twice a month. the settlement amount was XXXX which I have paid XXXX of so far and I am due to finish by next XXXX with the account. I am beyond frustrated because I am making the payments, and it is not fair that they keep reporting if they sold the account and refuse to update their systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was included in the Equifax security breach.
Product: Credit reporting or other personal consumer reports

I disputed XXXX of my student loan accounts with all three credit bureaus XXXX, Equifax and XXXX via certified mail. 
I asked them to verify student loan accounts from XXXX and they didnt provide any proof that said accounts should still should be reporting balances. 
XXXX transferred all of my student loan accounts to XXXX in XX/XX/2023. 
My XXXX accounts should be reporting XXXX balances. However, now I have XXXX student loan accounts reflecting on my credit report. This is apprehending my credit creditably tremendously.
Product: Checking or savings account

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 
I see multiple CO remarks from XXXX and XXXX and there is no XXXX payment history. I'm pretty sure this is inaccurate reporting and a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries not mine.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc.
Product: Debt collection

Whilst away at school my name and personal information was used to open accounts including this XXXX. I have not or did not give my authorization to open this account and I require a full disclosure of the contract ; payment agreement ; identification used to open this account and all other information pertaining to the opening of this account.
Product: Credit reporting or other personal consumer reports

This is my XXXX complaint. I have provided my written information and my personal information. I requested proof providing statements showing I gave permission to have my information shared to third-parties for any purpose. If proof can't be provided remove inquiries and update information to Maximum Accuracy as required. The Fair Credit Reporting Act protects consumer privacy in multiple ways, including by " limiting '' the circumstances under which consumer reporting agencies may disclose consumer information. FCRA section 604, entitled " Permissable purpose of consumer reports, " identifies an exclusive list of " permissible purposes '' for which consumer reporting agencies may provide consumer reports, including in accordance with the written instructions of the consumer to whom the reports relates.
Product: Vehicle loan or lease

I contacted Wells Fargo many many times to try to resolve this issue and I never received any requested information/documents nor did I ever speak with anyone. 

Per 15 U.S. Code 1679c, they are not reporting correct information
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 Account XXXX : XXXX and list of Inquiries. 

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: Mortgage

UWM incorrectly force placed insurance on my mortgage when they erroneously input the end date on my insurance as XX/XX/XXXX instead of XX/XX/XXXX. Because of that mistake, they force placed insurance of over $ XXXX backdated to XX/XX/XXXX. 

They had proof of insurance from my former insurer as well as my following year 's plan. I've called them XXXX times and spent over XXXX hours trying to explain to their customer service team the mistake they made. 

I tried to explain how non-sensical it was that my insurer would send them a non-renewal notice in XXXX of XXXX for XXXX of XXXX. Instead, they were notifying them of non-renewal in XX/XX/XXXX which is logical. 

No one at UWM questioned this or tried to fix the mistake. 

They made me call my previous insurer and confirm when my coverage ended, which was as expected XX/XX/XXXX My new insurance was effective XX/XX/XXXX. 

I've had the insurance company fax that as well to go over and above my requirements to provide proof of insurance. 

Meanwhile, UWM is not able to provide me the cancellation document or apparently locate it that states XX/XX/XXXX...
Product: Credit card or prepaid card

Citibank failed to mail me statements in XX/XX/XXXX, XXXX and XX/XX/XXXX. Copies of their statements are not available online at their Website citi.com It is necessary to request them to receive them between 24 or 48 hours. Are they provided by Email? How do I get my statements? How this bank is allowed to refuse to make available statements to its credit card customers?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having problems with Equifax for years now. I have had them have my report messed up and I called many times to try to get them to fix. XXXX thing was they were showing collection and saying the company came back and said I owed but never could say how they information was verified. I had bill from my card company too show the amount paid and to whom so there was no way information was verified. 

Now I admit having some credit trouble years ago but since then I have not missed a payment in going on XXXX XXXX years but my score with them has never moved from XXXX. I now own businesses and make whole lot more money than when I was XXXX XXXX. Got new cards, cars and loans paying all on time and yet my score never moved. I sent letters asking about the score and got nothing to tell me why. Then this second to last mail sent I sent them a copy of the credit card payment asking then how could they have verified information when I am sitting with proof. And then I asked why my score has not changed. Nothing back but looked like they removed the collection that was there for years even with me disputing it the whole time. So I sent a last letter about a medical bill that was from when I was XXXX XXXX. I told them cant be any bills from when I was XXXX because all medical was always covered 100 % by Tricare I have never paid a medical bill while I was XXXX in the military. And at the bottom I added what about my score. So today I look and see my information is showing score at XXXX ... .and shows no information connected for my current bills... This is just long list of bad reporting and that has cost me money in the long run or missed loans. They once had my fathers information on my report. I can prove that as well. They also have been getting {$5.00} a month for a very long time but I could not even access the information and complained yet they never refunded me and still pull money to this day. I had to buy a higher level to finally see my information so I am paying them XXXX and yes that can be proven too. The times I called can be back by my phone records and the letters can be backed by the XXXX offices cause I always send that way. 

This has been going on for years and every effort made has been met with no help on their side and yet they share bad information with companies I try to get credit extended from.