23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX are all reporting my bankruptcy on my credit reports. Per uscourts.gov bankruptcy courts do not report to any credit reporting agency. I have not provided any permissible purpose written, unwritten, verbal and/or non-verbal consent to any of the credit reporting agencies to report the bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX still shows an account I had closed as open. I have disputed this in XXXX with all credit report companies. I sent a letter from a lawyer and the issue was corrected by XXXX, and Equifax. XXXX is the only one that has not corrected this problem. They continue to tell me that the account is still open. The account status that I am disputing is from : XXXX XXXX XXXX  It states the the account is open and there is a past due amount of {$6.00}, XXXX. 
It has been causing several " hard inquiries '' on my credit report when I try applying for a credit card or a loan causing my credit score to drop. I would like to have those removed as well as the account listed as closed. 
I have attached the letter I sent to XXXX, Equifax, and XXXX in XXXX. The issue was resolved with XXXX and Equifax only. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE INFORMATION ON CREDIT REPORT. THIS IS FTC VIOLATION. 

XXXX XXXX OPEN XXXX {$760.00} - DOES NOT BELONG TO ME INQUIRIES BELOW DOES NOT BELONG TO ME. 
XXXX/XXXX  XXXX  I XXXX  XXXX  XXXX XXXX  XXXX  XXXX   XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX   XXXX  XXXX  XXXX XXXX/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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 
Account number : XXXX Account status : Closed Date opened : XX/XX/2014 Account type : Installment 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found discrepancies in some of the information provided. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) of the law, it is mandatory for the three credit bureaus to verify these accounts. Failure to validate these reported accounts within the stipulated legal timeframe constitutes impermissible reporting of unverified information. The following erroneous details in my credit report require thorough investigation and correction : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX : {$7300.00} XXXX XXXX {$13000.00} XXXX XXXXXXXX : {$1200.00} XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX Balance {$5900.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$310.00} XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX  XXXX
Product: Debt collection

In 2009 it had an account with Wachovia Bank. I am now receiving at least 4 calls per day in my phone from reatricted numbers with this guy treating to serve myself and my wife with papers and suing us for the old debt. He is also calling my wife 's phone at least 3 times per day. He had also contacted other family members and past employer giving them information. He is also threating to garnished out wages and bank account.
Product: Credit reporting or other personal consumer reports

TomoBoost uses your monthly expenses to develop a credit line for you that they then report to the credit bureaus. They have NOT been doing that and have still been taking my money every month. I submitted a cancellation request a week before the withdrawal date, and per their terms youre required to send it 5 days before the next payment, which I did. I still got charged {$39.00}. They refuse to answer emails and I'm still receiving their automated spam emails offering their services, when Im already enrolled and have been trying to cancel. I am not the only user that has had this problem. There are countless others online voicing their concerns on several forums.
Product: Credit card or prepaid card

Dear Sir or Madam. 

My XXXX and I are both XXXX XXXX XXXX. When we were reassigned to Arizona from XXXX we filled out the change of address form with the military postal office. However, our mail did not get forwarded and our credit card companies did not receive our new address. This resulted in our AAFES Military Star Card bill not being received for months. The last charges were made in XX/XX/2018, the same month we left XXXX. We made no new charges after that date. I didn't receive any calls, emails, bills or notifications until I got a message from a credit monitoring service about a change in my credit report. As soon as I got the message, I immediately paid the bill in full. I don't believe I have ever been late or not paid the bill in full before -- after having the card for many years. 

We'd like to purchase a home, but the delinquent report on my credit from {$130.00} is going to cost us {$7000.00} extra because it dropped our credit score 30 points. 

Can you assist? 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out because I previously and repeated disputed items on my consumer report and this Experian has failed to conduct a proper investigation. 

failed to provide me with evidence of procedures, failed to fully consider all information provided by me, the consumer in a fair and impartial manner during investigation And by doing so failed to stay in accordance with 15 USC 1681i, the following items came back verified without explaining exactly how it was verified which leaves me to believe they didnt not properly follow reasonable procedures even when I provided them with written notice of these inaccuracies, as the law requires me to. 

After attempting to resolve this matter with the consumer reporting agency multiple times I have no choice but to use the CFPB because my rights are continuously being being violated by their complacency and continued reporting of these inaccuracies on my consumer report Account : XXXX XXXX Account : XXXX XXXXXXXX Account : XXXX XXXXXXXX Account : XXXX XXXXXXXX Account : XXXX XXXX XXXX Number XXXX XXXX XXXX XXXX XXXX XXXX Bellow I will Send Documentation Of Letters Tracking Proof Of Identity And Dispute Results
Product: Debt collection

Hello, I want to make you aware that a landlord is harassing me via debt collector, and this is now the second collector to try to collect on a debt that is not owed. The other agency dismisses XXXX XXXX XXXX  and will no longer do business with them due to their practice. 

I moved out in XX/XX/XXXX. I received a collection in XXXX XXXX. The agency went back to XXXX XXXX XXXX and asked for an itemized bill regarding their claim. They did not provide that information, so they stopped doing business on their behalf. Three months later, I received another debit collection notice from Pro-Com Services of Illinois. The invoice claims payment due to the apartment not being cleaned. Per Illinois state law, they can not require payment for cleaning services. ( clean floors, swept balcony etc... ) I've contacted Pro-Com of the law and of the history of XXXX XXXX XXXX. If you know what government agency I can notify XXXX XXXX XXXX of their practices, I would like to report this harassment and disregard the state law.
Product: Credit reporting or other personal consumer reports

Title : Dispute of Incorrect Charge-Off Reporting and Re-aging Violation by XXXXXXXX XXXXk , Incorrect Payment Reporting by Experian, XXXX, XXXX. 

Complaint Description : Dear CFPB, I am writing to file a complaint regarding inaccurate reporting on my credit report, specifically related to my XXXX XXXX that is being reported incorrectly by Experian, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Experian and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been 4 and a half months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 120 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so. I was also impacted by the XXXX  data breach and believe some of my accounts were compromised.
Product: Credit card or prepaid card

They have closed my account agsin without notifying me. They also refuse to reopen it if I pay the full balance. They closed it due to a single return payment which is ridiculous bc I didnt schedule a payment and they never called to ask about it or why it was returned, just closed my acct.
Product: Vehicle loan or lease

I have had questions with my loan and have always been ignored or hung up on. I called numerous times regarding the loan and my original documents. Never got nothing until recently and what they sent is definitely not what I asked. For one the title on papers says XXXX XXXX XXXX XXXX XXXX  South Dakota not even close to where I purchased vehicle. I purchased on other side of the state up north at XXXX XXXX XXXX. Thats one problem then looking over what they did send me which looks like its been XXXX none amount equal and on XX/XX/XXXX. I called Capital One. Asking if I had gap insurance because I was in they told me no so I asked for refinancing to get another vehicle because my vehicle was totaled. They told me no so I did a buyer retain because I didnt think I can get another vehicle and I was gon na have to pay it off anyways come to find out that I do have gap insurance so they lied to me also not knowing that then about resending, they gave me a no clause thing, saying that I had no right to resend. My loan violated. My consumer rights left and right I told them, and it was documented for a cease, and they have contacted me since I even have a voicemail from them from today looks like fraud to me but is not real document and it definitely is not all the documents we signed and I didnt know most of the stuff until I started studying the consumer laws so now I know that the truck has been paid for and theyre double dipping truck charging interest. The truck was XXXX but they was like XXXX paper finance XXXX I had a down payment which wasnt even in there and so in the company that automatic made me use credit card to cover the down payment even though that right there shouldve avoided the contract because theyre consumer transaction no cash is supposed to be exchanged ive contacted XXXX numerous times for the same documentation I get they tell me Ill send it and they never give me anything XXXX is gon na be another one that is gon na have a complaint Ive been getting XXXX  over left and right by both XXXX the dealership and capital one, and not what I like my truck to be resend any remedy with all my money back but Id also like them all the XXXX I went through and deal with this. The money had XXXX I had paid for the new transmission because I said I didnt have the warranty which I did, all the money that I paid the money for supposedly along with you know, we all know it comes out of XXXX reserve out of my XXXX XXXX  but I want to buy a new vehicle as well and pay off the repairs of this one for all the lies and everything did, and I need to take them to court and I will they should be operating my research stuff first time theyve done anything like that couple ones been sued a lot. I definitely want anything taken off my credit report because I never been put on there because is no void contract on their end.
Product: Credit reporting or other personal consumer reports

I discovered several inaccuracies in my credit report, including late payments that do not align with my normal payment patterns. I would appreciate it if you could address these issues and correct my account.
Product: Checking or savings account

On XX/XX/XXXX of this year I tried to take out {$400.00} from ATM. The money did not come out and all I got was an error on the screen. I just said ATM error I didnt get any receipt. I didnt receive anything for proof so I called the ATM company and told me that and they told me to call the bank I called the bank. The guy was very rude and said he can not help me with until I tell him where exactly the place was where I got try to get the money from, and he was very loud and had attitude and said and didnt tell me anything about that. I had to provide him anything. He just asked me if it was there and receipts or anything. I told him no because I just said on the screen so he said OK Ill give you. Were gon na investigate and give you a credit until we, figure out whats going on and he says he gon na take two weeks because after that on the on XXXX of XXXX they reverse the and when I called the guy, another guy was very rude and said he cant do anything about it because I did not submit any information when it never asked me to submit anything hes like well. He cant do anything about it and I have the information and submit it and maybe in 10 to 15 days Ill start investigating again and Im thinking myself. I told the guy the first guy in the first place that I dont have any information or any no kind of paper because I never got anything and for him to say that is like they dont care he just got nasty attitude and basically he just wan na be off the phone. This is the second time this happened last year I lost about {$500.00} another they did another investigation very short one and they said there was no there was no dispute there. No, there was no kind of incident like Ive lost almost knowledge from this bank. They dont help at all they give you nasty attitude and is a third-party person whos talking to you not a real person from the bank you called to complain and they sent you to the same same third-party people who are nasty. Dont care at all and in the bank just like says hey were gon na fire you, but you dont really do anything but just take the money back and you just dangling something that doesnt belong to them. I work hard for this money. I dont deserve to be true like this just because an ATM error and they mean it on me like Im lying no, you dont treat a customer that has been with you for a long time and then somebody on my credit card and I was {$900.00} and they want me to pay for why if I did not use my credit card I reported it and they still dont believe it and they keep an email saying you owe Money owe me owe money for what if the credit card was stolen or taken from me and you guys dont believe me XXXX not paying for something that you guys just trying to take money away from me. This bank is not a real bank is a third-party bank. You dont do that and XXXX getting sick and tired of getting my money taken away my money especially this economy is not fair to anybody and shouldve left this bank a long time ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX ( XX/XX/2021 ), XXXX  XXXX XXXX XXXX ( XX/XX/2021 ), XXXX  ( XX/XX/2021 ), XXXX XXXX XXXX ( XX/XX/2021 )
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-roommate has applied credit card with my personal information without my consent, using my social security number, and our address. I discovered it while I was checking my credit report, this person has applied credit using my personal information and he got approved even applying with a wrong birthday. I found out that the XXXX XXXX XXXXK which is the credit company has approved this credit card with a wrong birth day date. when I noticed this suspicious activity on my credit report, I tried to contact the XXXX XXXX XXXX company, and they couldn't help me because the information that I provided to them it was incorrect and they refuse to speak with me while the account verification was not correct ( my birthday. ) However, basically they said that the birthday that I provided them was incorrect comparing the one when the account was opened, therefore they could not provide me any information on the account, and my ex-roommate does not longer live in the United States.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report incorrect information to my credit report despite me disputing multiple inaccurate information for years. I was never late with XXXX XXXX XXXX I was never late with XXXX.I was under a approved forbearance agreement back in XX/XX/2016for XXXX XXXX XXXX  and forbearance for XXXX .Also I paid my mortgage on time during the months prior and after my forbearance agreement for XXXX XXXX XXXX.Also Experian shows me never late for XXXX XXXX Credit Card which is true but has failed to remove the charge off comment .In addition they show my credit age of my credit report to only be 4 years old which is false my oldest open student loan for XXXX is 18 years old so my credit age should not just show to only be 4 years old.This is important for my credit score.Their failure to correct my  credit report has prevented me from getting hired for work.
Product: Credit card or prepaid card

XXXX XXXX  XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX XXXX : Credit Card Fraud To Whom It May Concern : I am writing this letter to file a complaint against Capital One. On XX/XX/2018, two fraudulent charges were placed on my account in the amounts of {$2900.00} and {$32.00} from a company called XXXX. I did not authorize any such charges, thus subsequently contacted the company to dispute both transactions. I sent them a copy of my drivers license to show proof of my signature as well a copy of the police report I filed, however they refuse to issue a credit. 

Enclosed you will find copies of relevant documents, including letters from Capital One, my letter of complaint to Capital One, and the police report I filed. I respectfully request that you intervene on my behalf since this company is violating their {$0.00} fraud liability promise and will not refund me my money. 

If you have any questions about my complaint, you may contact me at ( XXXX ) XXXX or via email at XXXX. If we can not resolve this issue, my final option will be to pursue legal action. 

Sincerely, XXXX XXXX XXXX cc : Attorney General Better Business Bureau XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have had a Kohl 's department store CC since XX/XX/year>. Received by mail information that a new credit card is to be issued by Capital One XXXX. I did not request nor did I want this new card. I inquired with a manager at a Kohl 's store who told me " just don't activate the new card and you can keep using your old Kohl 's CC ''. I did not activate the card nor did I authorize CO to open this in my name. 
I did not use this card, authorize it nor activate it. I received a bill from CO for the amount that I owed Kohl 's CC with a new account number. I contacted the phone number on the back of the card and attempted to speak with someone who I could not understand due to a language barrier. I requested another person and was denied this. I was told ( to the best of my understanding given the language barrier ) that I need to cancel the CO card and reapply to Kohl 's for company card. 
XXXX, this is fraud. CO did not have my consent to open a new line of credit in my name and to rectify this I would need to cancel the CO card ( affecting my credit score which is XXXX ) and reapply. This is reckless behavior by the CC company. 
Through social media I learned that I am not the only one affected and many people are experiencing the same. Tried to contact Kohl 's but was on hold over 30 minutes 2 x.
Product: Money transfer, virtual currency, or money service

I contacted Western Union by phone in XXXX, XXXX, XXXX, and XXXX to verify the status of XXXX money orders I purchased. Each time, I was informed that the money orders did not clear, and I was advised to submit a refund request online, which would incur a {$15.00} fee for each money order. 

I submitted the refund request online, including documentation that showed the total amount for the XXXX money orders was {$400.00}, which included a {$2.00} fee. On XX/XX/year>, I called to check on the status of my request. A representative informed me that my request was denied due to insufficient evidence. I asked to speak with a supervisor, and I spoke with XXXX, who instructed me to submit another request online. I expressed my frustration, stating that I did not want to wait another XXXX months only to find out it had been denied again. 

I emphasized the urgency of my situation, as I truly need my money and can not afford to lose it. XXXX advised me to email XXXX with the case numbers XXXX and XXXX and to call back in XXXX hours, assuring me that she would note my account. 

However, when I called back after XXXX hours, none of the representatives or supervisors could provide any information. They stated there were no notes on my accounts and reiterated that I should fill out a money order refund request form online and email it to XXXX along with proof of purchase. 

I have yet to hear back from anyone regarding my situation, and I am concerned about the potential depreciation of my money orders. I need this matter to be addressed urgently, as my financial situation is at stake. 

Thank you for your immediate attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax removed XXXX off my credit report then put it back on during same month. Need this back removed permanently because removing an item then putting back on is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records XXXX noticed many information, items or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  : {$13000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$810.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX