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

XXXX  : You've CLOSED these complaints THREE TIMES IN A ROW, WITHOUT properly vetting, verifying and reporting any final outcome : THAT'S AGAINST THE Fair Credit Reporting Act!!! Plus : I've SPECIFICALLY ASKED YOU NOT TO CLOSE THIS COMPLAINT, NOR the other two before this. I will be forwarding THIS too, to my counsil, your operations department at you headquarters, and social/non social media. Your FTC case number is : XXXX XXXX  : Last week I filed a formal complaint through your escalations team ( Task Force ) at your CORPORATE OFFICE. Why you've closed this complaint BEFORE they've reached THEIR findings, is beyond me. You probably didn't even know that a formal complaint was filed at corporate??? ... I also filed your inability to remove things that are NOT mine, INCLUDING an UNATHORIZED UNDISCLOSED PERS ON on my credit report, that PROHIBITS YOU from removing any UNAUTHORIZED persons or things ( like fifty inquiries from the year 2020 ) doesn't even make sense to a child!!! I've also filed a report with the FTC about you : XXXX. So : 'YES ' ( XXXX ) YOU DO HAVE MY PERMISSION TO INVESTIGATE AND ERASE ANY PERSON 'S NAME REQUESTING AN INQUIRY, OTHER THAN MYSELF : XXXX XXXX XXXX Or if it's without the hyphen ( dash XXXX it'll be : XXXX XXXX ( with both last names ran together ). You're continuing to break the LAW allowing for ANYONE other than myself to even be ON MY CREDIT REPORT!!! 

TransUnion : Thank you for investigating all the year 's 2020 inquiries. Thank you for not only abiding by my wishes, but for doing your best to UPHOLD THE LAW!!! You were NOT reported to the FTC. Nor were you reported to any of your corporate offices.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX Balance : XXXX I believe the information being reported to be inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act GM FINANCIAL Acct # XXXX, has violated my rights. 

XXXX U.S. Code 1681 602 states : I have the right to privacy 15 U.S. Code 1681 604a Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction Exclusions- Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S. Code 1666b - A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

After paying DOWN ... .GOT THAT- PAYING DOWN A NUMBER OF DEBTORS. My score actually went XXXX  points EVEN THOUGH THEY CLAIM IT WENT UP ... .WOW ... HOW PUTIFUL can they get?. '' /Your FICO Score has increased XXXX points to XXXX! FROM XXXX XXXX XXXX Poor Fair XXXX - XXXX Good Very Good Exceptional XXXX XXXX XXXX Experian data XX/XX/2021.
Product: Mortgage

In XXXX of XXXX I had Covid related financial issues and could not make my mortgage payment that was due by XX/XX/XXXX. On the XXXX of XXXX I inquired about forbearance from my mortgage company, during the inquiry I was assured that if I qualified my credit would be safe from any negative markings. ( If that was not the case I would have chosen a different route to cover my payments before XXXX XX/XX/XXXX days late ). While on forbearance my credit was marked 30 days late on XXXX, XXXX, and XXXX. I called Loan Care and they did an investigation that concluded the late marks were correct. I would like to know what my options are moving forward.
Product: Credit card or prepaid card

I have a credit one credit card I closed a long time ago I agreed to do payment plan with then did 2 payments of {$130.00} and I had one more now its showing that I owe them {$320.00} again its not fair I will pay for remaining balance but not all
Product: Debt collection

I sent a letter to all three credit Bureau 's and I haven't got this account verified.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both XXXX and XXXX removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bothered by the negligence of the Credit Bureaus with regards to the items I am disputing. I have been sending multiple letters to the Credit Bureaus to request the complete removal of the fraudulent information being reported on my Credit File. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my Driver 's license, Proof of Addresses and the ID THEFT REPORT I received from the FTC. I have read that the Credit Bureaus are required to remove any accounts and information that the consumer identifies as an item resulting due to identity theft. As stated on the letter I sent, the Credit Bureaus are required to remove the items I am disputing within 4 business days after the date of receipt. The inquiries and addresses being reported on my Credit File are fraudulent since I never remember authorizing anyone regarding these inquiries. I am submitting this complaint to protect and execute my rights, which is clearly being violated by the Credit Bureaus, under the FCRA section 605b. Please remove the following items COMPLETELY FROM MY CREDIT FILE : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$240.00} XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have one Inquiry still showing on my credit report for XXXX that was open in XX/XX/XXXX it should have been closed in XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX was a settlement and should be removed from report XXXX, MI XXXX XXXX XXXX was a settlement and should have been removed from report open in XXXX. 
TARGET was a settlement and should been removed from report open in XXXX. XXXX XXXX XXXX was a settlement and should be removed from my report XXXX, oh XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I was scammed a few years ago by someone online. It really hurt me mentally and financially. I actually went into a heavy XXXX. I was scammed by someone online in a gift card scam. The WELLS FARGO credit card was used for this scam. I am unable to access the account anymore. The company should still have my data and be able to see all my purchases. They are gift cards that I would have never bought for myself or anyone else. I was fooled and scammed into buying them. I am admitting that I was the one who bought those cards, but they were not used by me. I was a puppet for that person. He tricked me into buying those cards for him and he redeemed all of them digitally. I think they were XXXX  cards. It's been a few years, so I don't remember which company gift cards and the exact dates I got them. The bank statements should show those purchases and I might also have some useful pics, but not a guarantee to find them. 

I tried to talk with the bankers and told them about what happened. They said they will investigate and get back to me on it. No one got back to me and it's been over a year now! 

This has been hurting my credit score every month for so long. It's stopping me from being approved for a lot of things because my credit barely goes up. 

I will really appreciate it if you guys can help me with this, please.
Product: Bank account or service

Complainant is a partner in a small Ohio-based business, XXXX XXXX, XXXX. My federal XXXX is XXXX. I am filing a CFPB complaint because in setting up ( credit card ) merchant services via their wholly-owned XXXX entity, Chase Bank is improperly attempting to mingle my personal credit information and creditworthiness with a business endeavor that has no relationship with, nor is dependent upon in any manner, my personal credit history and personal information. XXXX XXXX, XXXX has a 14 year unblemished history of business and financial performance, and as a corporation stands on its own, and is legally considered a " person ''. Their attempted co-mingling of disparate attributes will damage my personal credit score, and are discriminatory against small businesses owing to the prima-facie truth that Chase Bank provision of identical services to XXXX XXXX companies would never include provision of a " date of birth '' and " social security number '' to support running a personal credit report/score. The practice of requiring personal DOB and SSN for provision of small business merchant services is discriminatory against a properly formulated business, represents an unnecessary burden not applied to large entities, and is particularly galling because in the specific case merchant services, contorts the entire process SINCE THE DIRECTION OF MONEY FLOW IS FROM THE BANK ( XXXX ) TO THE SMALL BUSINESS. Given this money flow reality, conducting a personal credit check is not only discriminatory and abusive, but fraudulent, since there is no provision of credit arising from performance of the credit review, notwithstanding the rare circumstance of a charge-back, which for the undersigned complainant has never occurred in 14 years of accepting credit cards. The postulated charge-back scenario is tenuous, since Chase Bank themselves have handled the business banking services for XXXX XXXX, XXXX for approximately 10 years. Furthermore, if charge-backs are the basis for concern, the examination of capacity to reverse fund charge-backs still remains with the legal entity, since it is the business account from which charge-back funding must be captured. In closing, this complaint is a " Consumer Financial Protection '' issue on behalf of all similarly situated small businesses and their Principals owing to the discriminatory practice of requiring an onerous and frivolous " credit check '', which imparts an additional burden as well as a tangible negative factor on the Principals credit history and score. In the event that the CFPB deems that this complaint more appropriately belongs with another agency or within another forum, the CFPB 's assistance in re-routing this complaint is appreciated in advance.
Product: Credit reporting or other personal consumer reports

Chase is knowingly reporting this inaccurate account after notifying them previously of this inaccurate reporting. They are damaging my credit score unfairly and causing me hardship due to me being denied for housing because of this error.
Product: Bank account or service

Citibank has not credited the new account bonus as promised. I deposited $ XXXX for a new account on XX/XX/XXXX and should have received the {$400.00} bonus by XX/XX/XXXX. 
Till date XX/XX/XXXX bonus not deposited. They keep on doing investigation but not depositing the money. On first investigation they confirmed that account has met ALL conditions and will get the money by XX/XX/XXXX. When money was not deposited they did another investigation and then they gave a separate reason ( XXXX compliant ) for why the bonus was not credited. This NEW CONDITION was not mentioned in first investigation. Then on XX/XX/XXXX the account became XXXX compliant but till date no money has been deposited. On XX/XX/XXXX they started a XXXX investigation and are now saying that it will take till XX/XX/XXXX for investigation to complete. Citibank has delayed they deposit of {$400.00} intentionally. Money should have been deposited by XX/XX/XXXX.
Product: Debt collection

MY LAST DISPUTE WAS XXXX .I HAVE SENT NUMEROUS LETTERS ASKING FOR VALIDATION & PROOF OF MY SIGNATURE PLEASE INVESTIGATE THIS MATTER AND REMOVE THESE FROM MY CREDIT REPORT I AM ASKING FOR IMMEDIATE REMOVAL OF NEGATIVE AND INACCURATE INFO ON MY CREDIT REPORT IN VIOLATION OF FAIR CREDIT REPORTING ACT 1681s-2 AND FAIR DEBT COLLECTIONS PRACTICE ACTS PLEASE RESPONED AS SOON AS POSSIBLE WITH PROOF OF MY SIGNATURE FOR THESE CHARGES/ACCOUNTS
Product: Consumer Loan

BMW Financial Services at XXXX keeps calling for a XXXX XXXX ( Not sure of spelling - that 's just a best guess ). These are robocalls, with absolutely no way to tell them that we have no idea who this person is. We have received at least XXXX such calls, and have attempted to call back to let them know - only to be confronted with a phone tree that has no option to speak to a human or to let them know in an automated fashion that their contact information is erroneous. This is not only harassment, but harassment of the wrong people. Please prosecute these alleged people to the full extent of the law
Product: Debt collection

My complaint is with Insight Management Partners a debt collection Agency. I never received anything in writing from them via Mail or email prior to the initial calls. On XX/XX/17 after supposed repeated attempts to contact me they found and contacted my Mother-in-law who does not live near us, disclosed my debt with her and referenced a lawsuit. She frantically contacted my wife. I then called them and informed them that while they can contact family members to try and reach me, they are not allowed to disclose my debt. When I mentioned this to the agent at the beginning of my call he shrugged it off and said he was just trying to help me. This is a shady tactic and illegal. He repeatedly said the amount is lower than they normally pursue those tactics. I am embarrassed that someone other than my spouse is aware of the situation and very upset by their practices ; my rights have been violated. I have made arrangements with them at this time, but this is NOT how you do business. I do have the call recorded if needed. I will go to any lengths allowed by my consumer protections rights to make sure these guys are fined or punished for their tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX I had charged {$140.00} on my XXXX account as a payment of XXXX XXXX service online. My XXXX had been inactive for 5+ years before that. Hence I forgot about the bill because I was mainly using my XXXX card. I never received any billing statement from XXXX in the mail either up until I received a letter on XXXX XXXX, XXXX XXXX 6 months after my bill ) stating that I had a balance on my account. I called XXXX immediately anxious that the charge could be a fraud ( I could not remember my bill to XXXX  whatsoever after 6 months without being reminded about it previously ). The agent who was assisting me over the phone clarified to me that there was a {$140.00} charge to XXXX since XXXX XXXX. I did remember it eventually and paid my bill over the phone the same day. Wish XXXX would have sent me a notice in the mail when I was 60 days past due instead of waiting for 6 months! I would have paid my bill then and avoided the extra late payment fees. They had charged me more than {$100.00} as late payment fees which I refused to pay. I agreed to take responsibility of two months late payment fees but they refused to accomodate me. They refused to take any responsibility of not having sent me any statement or prior notice. They kept repeating that according to their records I had asigned to paprerless statement. I made several attempts to make them understand, including one of their managers that I was not using the email account that they were sending those statements to for so many years!! After all this card had been inactive before and after XXXX XXXX. They have caused me tremendous stress and frustration. After I have already paid my main bill my late fee charges have added up to {$310.00} as of XXXX XXXX. This is affecting my credit report which is not fair because I pay all my bills on time and much more than the minimum payment due. I disputed the late payments with TransUnion. TransUnion was not able to help me. Instead I received another letter from XXXX recently offering me a settlement of {$280.00} vs {$310.00}. This is a joke! I called them again. I went over the whole story again with another of their managers. I suggested to pay late fees of 2-3 months right then if they agreed. The manager refused to accomodate me once again and kept repeating the same exact things that the others were saying in XXXX like a broken record ... ... They failed to contact me the best possible way while they could which would be through mail. This whole situation could have been prevented. Instead they kept adding late payment fees towards my unpaid late fees which is causing a considerable damage to my credit report. I do n't think this is fair.
Product: Credit card or prepaid card

Signed up Citibank Executive Mastercard and was promised XXXX miles if I spent {$5000.00} in the first three months. I met this requirement and the bonus miles were never deposited into my account. I have had six online chats with support agents and several promised the miles would be in my account in the next billing cycle, which never happens. I have also been hung up on several times when the agent panics and does not know what to do. 
I was eventually given an email address ( citi application offer issues ) to complain to and was told I would get a response in no more than 10 days. No one ever replied to my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute online to have items removed from my credit report which are incorrect and they continue to appear. One particular item was confirmed as being deleted on XX/XX/2020 but is still appearing on my report. 

XXXX Acct # : XXXX deleted XX/XX/2020 per credit bureaus but is still appearing on my account. 

Incorrect name : XXXX XXXX XXXX employers : XXXX XXXX umemployeed Unauthorized inquiries : XXXX XXXX XXXX XXXX No knowledge of account/ account not mine : XXXX XXXX  XXXX Acct # : XXXX XXXX XXXX XXXX Acct XXXX XXXX
Product: Debt collection

I have reached out to Equifax and disputed these accounts several times and they are insisting on not removing them. I have requested validation of these debts several times to support their supposed verification of the collections. I have not received any validation of these debts they are reporting against me. It is now very evident that Equifax is violating my rights and are not acting in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX accounts # XXXX, XXXX has violated my rights 15 USC 1681 section 602 A. States that I have I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent
Product: Debt collection

Sent written letter on XX/XX/XXXX However I received no response obtaining my written letter to Jefferson capital
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I had become a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had stolen my personal information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Product: Credit card or prepaid card

On XX/XX/25 there was a charge on my Wells Fargo credit card for {$8800.00} for XXXX. When I received the statement, I immediately called the bank and file a dispute. I was not familiar with this organization and was surprised to see the expense on my card. When I spoke with the credit card rep they started the dispute process and cancel my card. I also filed a police report as I was very concerned. Police report- XXXX. 
A few days later, I received a letter from Wells Fargo advising me that they will reverse the charge claiming that it was authorized by me. They stated that they sent us two-way notification, and I approved the charges. I saw a text on my phone but I never responded. In addition, this is a large charge overseas to a charity in XXXX. The card is rarely used by us. We have no relationship with any organization in XXXX. 

I was back and forth with a few rep from Wells Fargo and they reopened the case a few times but now they advised that we need to pay. I don't understand how is possible... did they reach out to Merchant in XXXX? They mailed us the investigation results and showed some IT transactions and we called back and asked for an explanation they could not provide. Never had any credit issues and I don't understand they can think that they can charge us for something we never approve or requested. When they sent the case to one of their internal investigator, XXXX XXXX, she wrote back to us the following : I name XXXX XXXX as a victim. We desperately need your help as Wells Fargo refused to assist any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report that I didnt approve or authorize and I would like them removed immediately. The inquiries are from the from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX