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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance {$1600.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$5200.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$1900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

one XXXX XXXX  account is reporting under my equifax credit reporting agency as fraud. this account i had never opened nor given authorization to have someone open this account, please have equifax to have this fraud account remove from their data base since they are not helpful at all. 
this is not mine and was opened with out my knowledge, XXXX XXXX  even has a different address on file and reporting inaccurately. i will be awaiting for your response thank you
Product: Checking or savings account

I was told to do a consumer report so that is what I am doing I am a XXXX woman I get my XXXX on a card call direct Express well my money goes in every month on the 3rd I was very sick this month I checked on the XXXX I got to put my card number and it would not take the pin number it said that it had issued me a new card I did not understand why so I asked my son to bring me my tablet and I checked it everything look just fine my money was in there nothing was being pulled out so maybe I just figured they were just sending new cards but I could not get a hold of them with the number on the back of my card I tried and it rang and it rang until it hung up and then again I tried on the XXXX I put my number in it refused to take my card number or my pin I had to do it through my social security I did it told me again that it had issued me a new card but they gave me a different address which I did not understand so I try to reach them again and stole it just rang rang and then it hung up on me and finally my son brought the mail or Friday right before it which I'm not exactly sure what day that was and there was a little card that asked me if I had changed my address that little card have a different phone number I called them on that number and I got through to them they said that they will send me some documents for me to fill out and fax to a number they gave me it took almost four days for them to do so but I did fill it out and send it back buy fax.they also said that I had to make a police report because this was identity theft because the person that caused had all my information and that's how they were able to change the address so I did what does that but the last person I spoke with said that this was the last step. The full amount that they have taken out of my account is XXXX and this is the card that is given to all Alder people that are on XXXX students that are in college that have probably experienced the same
Product: Money transfer, virtual currency, or money service

I opened a dispute on PayPal CASE ID XXXX XXXX reporting an unauthorized transaction. Exactly four hours later, I received the message that my claim was denied, and they did not discover any unauthorized transaction.

This seems a very fast response, considering they said it would take up to 10 days to investigate. I phoned PayPal and a representative told me that my case was closed, but they would escalate it, and, if I wish, I could take the matter up with the local police.

Within 30 minutes, I received an email that PayPal had again denied my claim, and they added that Based on our review, we found this transaction is consistent with your PayPal payment history.

I use PayPal sparingly, never above {$100.00}, and only from my home computer. So, the transaction in question was certainly not consistent with my history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I asked NELNET to consolidate my student loans into one loan to facilitate my payments and account monitoring. They started the consolidation process immediately and advised me to not post any payment to any of the loans during that process so that the final number will be accurate. It took them 3 months to complete the consolidation. In early XX/XX/XXXX i was informed that the loans were consolidated into a single loan that I start paying as agreed and which is current to this date. To my surprise, NELNET sent to the credits bureau in the same month of XX/XX/XXXX that iI was 90 late on two of the account they consolidated. I had five loans and did not make a single payment to any of the loans during the consolidation as i was advised to do, I do not understand why they reported the accounts late nor why only two of the five accounts. As consequence to their reporting of two account 90 days late, my credit score plummeted from low XXXX XXXX to low XXXX on all 3 credit bureaus. I went back and forth with NELNET the whole year XXXX and was not successful having that error corrected. I XX/XX/XXXX, I refinance the loan with XXXX XXXX and was told by NELNET that the new servicer will not report the late payment. Despite showing NELNET accounts closed on my credit report, the two 90 days late payment are still showing on my credit report, keeping my credit score low and more importantly preventing me from having access to any type of loan. Due to the COVID-19 pandemic, my income decreased and I wanted to move my family to a cheaper house but I am unable to secure a lease nor a mortgage with that negative mark on my credit. 
I will also mention that those two late payment are the only ones reported on my credit. I have always managed to maintain my payment current. 
I need help to have NELNET corrects the error on my credit report. 
thank you.
Product: Credit card

Recently XXXX different agencies have lowered my credit limit based on arbitrary reasons. On my Verizon card, XXXX of their reasons is that I had not paid down a sufficient amount on my mortgage. Not sure how that has anything to do with them since I make my mortgage payments on time and, up until last XXXX, was a month ahead on my payments. XXXX XXXX XXXXXXXX just lowered my limit and lowered it below what is owed on the card. I use this card when I have to make repairs on my home so it seems to always carry a high balance. I'm sure I'm not the only person this happens to. If I close a card my credit takes a hit. If they close a card my credit takes a hit. They lower my limit and my credit takes a hit. They shouldn't be able to take any actions unless a customer is not making payments on time or missing a lot of payments and if they continually go over their limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed dispute letters to XXXX TransUnion, and XXXX credit bureaus to investigate some inaccuracies on my credit report. I understand that due to Covid-19 they have been extended to 45 days to respond to my dispute, instead of the usual 30 days ; therefore I waited 45 days. After getting no response from the credit bureaus, I once again sent out dispute letters on XX/XX/2021 to address the urgent matter. Once again, my dispute letters were totally ignored. Today is XX/XX/2021 and I still have not heard anything back from either of these companies. I take my credit report very seriously, and to have my letters ignored twice in almost 4 months, is unacceptable, to say the least. The credit bureaus have failed to follow the laws of the Fair Credit Reporting Act, and as a result, must delete all the disputed items from my report. I have no more time to wait, and I can not afford to bear the continued damaged that these inaccuracies have caused. Please see attached letters for reference. 

Thank you, XXXX XXXX
Product: Credit card

The law firm of  XXXX ,  XXXX ,  XXXX ,  (  "  XXXX  '' ) contacted me about a credit card that I was behind on from Chase Bank.  XXXX  made numerous phone calls, and sent letters that implied came from an attorney at  XXXX . I just could n't pay anything.     After a while,  XXXX  then starting calling and sending letters, saying that the account has been acquired by a third-party debt buyer  XXXX   XXXX . The calls and letters implied that it was coming from the same set of attorneys that had represented Chase Bank. I still could n't pay anything. However, I noticed that the new client of  XXXX -   XXXX   XXXX  , was not licensed nor regathered to do business in  Indiana  . This was a violation of at least Indiana law, and may also be a violation of the FDCPA.     I wrote to  XXXX , and told them that they were in violation of law. I told them that I had talked to Indiana attorneys, who told me that   XXXX   XXXX   was in fact violating Indiana law, and had no legal standing, etc.  XXXX  failed to respond, so I called them. I left several messages, and sent Certified Letters, which I can provide to the CFPB. I finally got to speak to the so-called  Compliance Officer, wh o said that the " boss '' was on vacation, and would get back to me.     Its been a few years, and the Compliance person I guess is still on vacation. But,  XXXX  has quit calling and has n't sent any letters.     I also discovered other lawsuits that  XXXX  has filed in Indiana, for other debt buyers and other financial groups that are also not licensed nor registered to do business in Indiana. In talking with some Indiana attorneys, it is a requirement that an attorney first check to make sure that a corporate client has legal standing prior to trying to collect on a debt for the client.     I have been told that unlawful attempts to collect on debts for unlicensed and unregistered clients is a violation of Title  5 of the Federal Trade commission Act, in what is known as UDAAPs, or Unfair and Deceptive Business Practices.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
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. TransUnion 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 over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit card or prepaid card

Back on XX/XX/XXXX XXXX XXXX XXXX XXXX charged my XXXXXXXX XXXX {$210.00}, then again XXXX Charged me {$210.00} on XX/XX/XXXX. I called Barclays and did a dispute immediately ( I got a case number, but I cant locate that information and Barclays never emails me anything to have as a record ). On XX/XX/XXXX I noticed XXXX XXXX XXXX XXXX processed a credit for the duplicate charge of {$210.00}. Now on XX/XX/XXXX I noticed early in the morning again the same charge totaling {$210.00}. I do not know what the heck is going on or who is doing this XXXX or the Bank. On XX/XX/XXXX at XXXX more or less I called Barclays XXXX Disputes department and spoke to XXXX XXXX XXXX told me the {$210.00} is a valid charge and that the merchant sent a bunch of documents to proof it is a valid charge. I told him if he did the math on my account for the times {$210.00} has posted and he continued to tell me the case is closed. I have tried many times to approach all my disputes accordingly and to the proper channel, however it is just impossible and a nightmare to get someone who understands and offers guidance finally a workable solution. I am very close to closing my account ( s ) with Barclays only because of this and the headaches caused because of lack of knowledge and practice by the people who work when calling customer service. I am very very disappointed and I need someone to help me change my mind with all of the issues and inconveniences I have encountered and to remain as a customer. I do not owe {$210.00}, I have already been charged for this and I paid it.
Product: Credit reporting or other personal consumer reports

I have sent certified letters with tracking information to XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX requesting validation of the 'charge off ' that is listed on my credit reports for {$1900.00} regarding account # XXXX. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay XXXX XXXX. XXXXXXXX XXXX has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 


Additionally, XXXXXXXX XXXX  has also not provided a sentence on my credit report WITHIN XXXX CALENDAR DAYS from my first certified letter dated XX/XX/XXXX requesting that I am disputing the negative item in question
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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  Company Inquiries : US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 rebuilding my credit after having identity theft last year I was instructed to sign up for new credit card. I signed up for XXXX XXXX card in XXXX. The card showed up immediately on my XXXX, Experian and XXXX credit reports starting in XXXX. 

Since XXXX my XXXX  report has had no further payment updates. I have made all my payments in full each month since I received the card yet XXXX incorrectly shows I have a balance of {$990.00} which is last month total due which was paid on time. 

For Experian they show the same balance that has been unpaid. They show I have paid on time for XXXX and XXXX but they are missing XXXX. 

For XXXX  they show the same balance that has been unpaid. They show I paid on time for XXXX but XXXX and XXXX is missing. 

I called all three agencies and they told me XXXX XXXX has not been updating their data and I should contact them. 

I called XXXX XXXX and they said they have given all three agencies update data through the end of XXXX. They said I should speak with the agencies. 

I am at an impasse and as of this last weekend my XXXX score dropped by 30 points and my Experian call dropped 23 point as a result of this miss-information. 

As a result of this miss-information the FICO scores that I have worked so hard to rebuild have been seriously impacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The personal information of my consumer report has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
My only name is XXXX XXXX XXXX My only SSN is XXXX My only address is XXXX XXXX XXXX XXXX XXXX MI XXXX There are multiple socials on my consumer report please remove them. 

XXXX  Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy discharged Date filed XX/XX/XXXX Date resolved XXXX XXXX XXXX  Reference number XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The bankruptcy on my consumer reports should be removed because XXXX XXXX has already deleted it from their report and any accounts attached to it. 

15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make aany 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 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

In XXXX of XXXX after a car accident which injured me and totaled my previous car I was desperate to get another car to make my drs appointments so I could eventually return to work. I went to a company called XXXX XXXX who said they could finance anyone, found what I thought was an inexpensive car and got financing through Credit Acceptance. The car was a XXXX XXXX XXXX with XXXX miles at time of purchase and a hole in the muffler. I was told the car was around XXXX but with financing it would cost me XXXX. The car had some small issue and high mileage but I wanted a cheaper car that I could pay off quickly so I bought it. I didnt notice a problem until XX/XX/XXXX when I noticed my principal was not going down at all. I called credit acceptance to see what the problem was and they told me because of my interest rate it would be going down slowly. I didnt understand how I could have already paid XXXX that year but only be down a couple XXXX of dollars so I went to view my contract. The contract was shocking. It said the true amount financed would be XXXX with a total of XXXX since I put down XXXX dollars. I was so angry because the car is old, high mileage, and not worth this price at all. I could have gotten a much better car for that price but I was deceived by XXXX XXXX and Credit Acceptance. The car wont last anywhere near that long and when it dies I wont even be able to get another car. Credit acceptance is predatory and should be put out of business. They take advantage of lower income, less than perfect credit, and desperate consumers. This kind of predatory behavior should not be allowed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts that are inaccurate are TransUnion, XXXX and XXXX.
Product: Credit card or prepaid card

I made a purchase on XX/XX/13 Amazon.com using a Chase Amazon Rewards Visa card, and tried to use my Amazon Rewards points for the balance. The points were deducted from my account, but Chase would not authorize the transaction. The points however had been permanently deducted. Amazon support could not help. 

I contacted Chase on XX/XX/13 and they said they would investigate the matter. No response has been received from Chase. The order was cancelled by Amazon and now that amount of rewards points are permanently gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and ive been trying to have these fraudulent accounts removed for quite sometime now. On XX/XX/2018 I sent in my dispute letter and supporting documentation for 3 fradulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are not mine and are having a negative effect on my credit file and I would like them removed.