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

Sir/Madam, This is becoming a nightmare for me. 

I have applied for a credit card from XXXX XXXX department store. They declined it saying I have insufficient credit experience. They declared that on information obtained from Experian credit reporting agency. My credit score is XXXX based on my Bank report. 

I am trying to contact Experian and I am getting only only recorded messages an NO ONE IN THAT AGENCY WILL TALK WITH CUSTOMERS. EVEN IF THERE IS ANY FRAUD THERE IS NO WAY WE CAN FIX IT WITH THEM. 

What kind of credit reporting agency they ARE RUNNING? They are sending a NEW PASSWORD AND WHEN I AM ENTERING IT, IT WILL NOT WORK. Based on their false information I am denied credit with XXXX..
Product: Credit reporting or other personal consumer reports

I have had my identity stolen twice now in XXXX when my house got broke into, in XXXX a lady from XXXX XXXX also stole me and my children idenity and XXXX when some lady from XXXX XXXX  hacked my XXXX account and XXXX  I have been through the ringer with these companys and with the data breach 's also it has totally trashed my credit and i can not get any help and it is affecting my life alot XXXX XXXX XXXX XXXX capital one and they have not communicated with as i sent multiple letters to them, you can look at my actual credit my history is good My kohls charge thats paid my home in XXXX i believe and other loans so, i am asking for help Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to formally request your assistance in correcting incomplete and inaccurate information on my consumer report, which violates my federal consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ). 
I have requested the following information from the compaines that says they own the debts and they haven't provide the following information to me yet. 
Provide breakdown of fees including how you calculated what you claim I owe. 
Then provide a copy of my signature on the contract or document that holds me responsible for this alleged debt.

Verification of the debt amount and its origin.

Documentation proving that I am legally obligated to pay this debt.

Verification of your authority to collect this debt. 
Proof of the validity of the debt, including any contracts or agreements. 

Account Name : XXXX XXXX XXXX Account # : XXXX Relevant Statutes : 15 USC 1681 ( Fair Credit Reporting Act ) : Ensures accuracy and privacy of information in consumer reports.

15 USC 1681 Section 602 ( a ) : States that consumers have the right to privacy and that their consumer reports should be maintained with the utmost confidentiality.

15 USC 1681b : Limits the purposes for which a consumer report may be furnished, ensuring that reports are accessed only for permissible purposes.

15 USC 1681c ( a ) ( 5 ) : Specifies the time limits for the inclusion of certain adverse information in consumer reports, ensuring outdated information is not reported. 
Given these violations, I request the CFPB to : Investigate the handling and reporting of the accounts in question. 
Thank you for your prompt attention to this matter. I trust that the CFPB will take the necessary steps to resolve this issue and uphold my rights as a consumer.
Product: Checking or savings account

A check was sent to XXXX  XXXX XXXX. when the check was deposited at Huntington Bank, my account number was entered wrong and my bank XXXX XXXX rejected the check back to Huntington Bank as NSF. Had my proper account number been entered the check would have been cashed. There was more than enough funds to cover the debt. I am being charged for a NSF fee that wasn't my fault. XXXX  XXXX XXXX  insists that they provided the correct account number but proof shows that the account number provided to Huntington was incorrect. It does not match the account number preprinted on the check.
Product: Checking or savings account

Opened checking account with TD Bank in XX/XX/2020. There was a cash bonus offer in the amount of XXXX. I needed to get a direct deposit of XXXX into the account. The first qualifying direct deposit in the amount of XXXX went in on XX/XX/2020 within a few weeks from the account opening. The offer I listed below. I contacted td four separate times to inquire. Two separate reps stated that I should receive the bonus soon or sometime around 180 days from account opening. I received an email response on XX/XX/2020 stating bonuses are paid 140 days from account opening ; however, it was a generic email. I called today and the rep, XXXX, stated that I was not eligible for the bonus. I explained the scenario and she said she didn't see any notes from the previous reps and that their bonus offers expired in XXXX. 

Perhaps one of their standard bonus offers expired but I submitted mine through an online affiliate site which routes you td 's site and provides all of the bonus information. 

XXXX XXXX XXXX XXXX   XXXX TD " Affiliate '' Checking account offer from " TD Convenience CheckingSM New customers can earn {$150.00} Get direct deposits of {$500.00} or more within 60 days of opening your account to earn {$150.00} Everyday banking perks with low minimum daily balance requirement Monthly maintenance fee waived when you maintain a {$100.00} minimum daily balance. 
If you're ages XXXX XXXX, no monthly maintenance fee and no minimum daily balance requirement.4 View account guide '' https : //www.td.com/us/en/personal-banking/checking-XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

On XX/XX/XXXX my wife, XXXX XXXX, and I, XXXX XXXX XXXX, applied for an auto loan and were approved by GM Financial. The term of the loan is seventy-two ( 72 ) months at 0.00 % APR with a first payment due date of XX/XX/XXXX. 

The tradeline was first reported on XX/XX/XXXX which reflected an original loan balance of {$55000.00}, the term, a monthly payment amount, and a current and joint responsibility account status. 

As of today 's date, XX/XX/XXXX, my credit report indicates that GM Financial has not provided a payment history or current account status ( please see attached ). We note here in passing that we have successfully made two ( 2 ) payments each in the amount of {$770.00} on XX/XX/XXXX ( which was scheduled on XX/XX/XXXX ) and on XX/XX/XXXX ( which was scheduled that same day ) ( please see attached ). Notwithstanding our timely payments, GM Financial has failed to report our current account and payment history status to the major credit reporting bureaus since their initial tradeline report on XX/XX/XXXX. 

In an effort to resolve this issue, I called GM Financial 's customer service department onXX/XX/XXXX, waited for almost fifteen ( 15 ) minutes to speak with a representative, and was advised that they do not show any derogatory information reported on our account and that they typically report every thirty ( 30 ) days. The proposed resolution was that the representative would contact their credit report team and have someone call us back as soon as possible. When I requested the information that was last reported to the credit reporting agencies, the representative was unable to offer any information other than no derogatory information has been reported. When I requested to speak with the credit report team, I was advised that they do not accept customer calls and only accept internal emails from representatives of GM Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 


XXXX. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. Payments on Time/Never Late XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 at the beginning of Covid 19, my equifax score was above 700. My complaints is with equifax. In XX/XX/2020 i made arrangement with XXXX XXXX for a two months deferment on auto loan for XXXX and XXXX payment. In XX/XX/2020 only my equifax score dropped 80 points. XXXX had reported that i missed two payments. When equifax contacted XXXX, XXXX corrected the report to show the deferment arrangement. However equifax have refuse to restore the 80 points due to XXXX report. I have file complaints with equifax and they refuse to correct. I appreciate you looking into this compaints against equifax. 

Thanks
Product: Credit card or prepaid card

I have a Chase Sapphire Visa Card. Today we received in the mail a multi fold document making changes to our account. The document informs us that there has been a merger of Chase and JP Morgan Bank. 
My concern is with the extreme requirements of the option to reject the arbitration agreement. Specifically they are asking me to send by USPS mail a written document including my name, full account number, address, and personal signature. That information must be received at XXXX. XXXX XXXX, XXXX, DE XXXX no later than XX/XX/2019. ( We received this notice on XX/XX/2019 ) ( XXXX ... ..number on front of mailer ) Problem : Credit card companies and or banks are expected to institute and practice measures designed to protect our credit card from theft and misuse. This requirement asks for all the pertinent information a thief would need to misuse our card and destroy our credit. 
In discussions with Chase customer service supervisors I have been told there is nothing they could do to change any of the requirements. No help there. 
The leaves three options : 1. cancel the credit card, 2. leave in the arbitration clause or, 3. provide the information they request and put our credit card information at risk in the mail. 
Obviously they want to make the " rejection of arbitration clause '' as odious and as painful as possible. It is also obvious that in their zeal to do that they have exceeded the bounds of reasonable and defensible requirements. 
Any assistance would be much appreciated.
Product: Debt collection

On all 3 credit bureau files, under my name and other identification details, the collection company, LVNV, is reporting erroneous and fraudulent information in reference to an account that does not belong to me. 

Closed Accounts ( Collection Company ) Account Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit Limit LVNV FUNDING LLC Hide Details XXXX XX/XX/XXXX {$390.00} XX/XX/XXXX {$390.00} COLLECTION ACCOUNT {$0.00} LVNV FUNDING LLC XXXX XXXX  XXXX XXXX XXXX SC-XXXX ( XXXX ) XXXX Account Number : XXXX Status : COLLECTION ACCOUNT Account Owner : Individual Account. High Credit : {$390.00} Type of Account : Open Credit Limit : {$0.00} Term Duration : Terms Frequency : Date Opened : XX/XX/XXXX Balance : {$390.00} Date Reported : XX/XX/XXXX Amount Past Due : {$390.00} Date of Last Payment : Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$0.00} Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : N/A Creditor Classification : Retail Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Factoring Company Account ( debt buyer ) Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes this account information, Collection account 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment History Key Erroneous Account in Collection : XXXX  Hide Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX PAYS AS AGREED {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX, MN-XXXX Account Number : XXXX Status : PAYS AS AGREED Account Owner : Individual Account. High Credit : {$290.00} Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$2100.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 24 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Charge Account Date of First Delinquency : N/A Comments : 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment History Key
Product: Debt collection

On or around XX/XX/XXXX I received a XXXX envelope delivered to my home, enclosed was a debt collection letter from Midland Credit Management for 2 separate accounts. I had no idea these debts even existed, so I sent them a debt validation letter. The debt validation letter was sent back to Midland Credit Management by XXXX XXXX, Tracking number XXXX XXXX XXXX on XX/XX/XXXX. This was well within the 30 days of being initially notified about the debt. 

Midland Credit Management NEVER responded to my debt validation letter as required by Fair Debt Collections Act, yet they have continued to negatively report to all 3 credit bureaus against the law. 

I called them multiple times and was told no one could discuss the debt with me because I was represented by an attorney? I sent the dispute letter by myself, I was NOT represented by legal counsel. I called a dozen times over the course of XXXX months. 

I received another letter in XXXX from Midland Credit Management and again responded within the allowed 30 days with another debt validation letter that went unanswered by Midland Credit Management. This letter also sent via XXXX XXXX XXXX # XXXX XXXX XXXX. 

Both letter sent to the address listed on their paperwork and signed for by an employee of Midland Credit Management XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MI To date, XX/XX/XXXX Midland Credit Management continues to illegally assault my credit reports over unvalidated debts they claim I owe, yet have provided me with no proof of such debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit act, XXXX XXXX XXXX account # XXXX and account # XXXX type of account collections, XXXX XXXX account # XXXX type of account revolving, the following inquiries : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX , has violated my rights 15 U.S.C1681 section 602 A states I have the right to privacy 1 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions Also the collections failed to be validated by debt collection agency/ original creditor
Product: Credit card

Capital one credit account has been dismissed in a court of law in my favor. 

Dismissed in XXXX XXXX XXXX XXXX XXXX California case # XXXX
Product: Mortgage

On XXXX XXXX I went to the AmeriSave site to check their interest rates. The site requires that you enter basic information to to proceed ( Name, phone number and email address ). One of the screens specifically states that they will not do a hard pull to your credit and it will not affect your score. This was important to me because I am still several months away from purchasing. There was a section that has disclosures that I clicked through but did not read through all of them. I am assuming that these disclosures had a statement that they were going to do a hard pull to my credit because I received a notice from my credit service that stated that a hard pull was done. I then received a call from a rep from AmeriSave who confirmed that they did a hard pull. Since they boldly and specifically stated that they were not doing a hard pull and I did not provide my date of birth or social security number, I had no expectation that my credit was being pulled. I believe they intentionally deceive clients into moving forward in the process by burrying the credit authorization and making them believe that their credit isn't being pulled because many people, like me, would stop the process if I was aware that my credit was being pulled.
Product: Vehicle loan or lease

Im am elderly retired XXXX. I traded an old XXXX for a newer model at XXXX XXXX here in XXXX. They made me wait 10 hours and then come back next day to close. They tacked on a {$2500.00} warranty solution to the sale. And {$490.00} for a document fee. The warranty I assumed was for 3 years but it was only for 3 months. Then they gave me a 15 % interest rate with capital one. I am just coming out of bankruptcy another year and half. But still this is outrageous to treat an disabled elderly women like this. At the most they should pay me back the fraudulent warranty solution. And the interest rate is discriminatory capital one gave me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on multiple occasions regarding the incorrect reporting of a debt owed to XXXX XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX XXXX the debt submitted to the credit reporting agencies. And Transunion lowered my XXXX XXXX by almost XXXX points for this incorrect reporting of a debt I do not owe, with a negative impact on my job search. Transunion also has included a XXXX tax lien on my credit report for the state of Maryland. And even though I have not worked in Maryland since XXXX, Transunion has refused to remove this inaccurate reporting from my credit report, which lowers my XXXX XXXX and negatively impacts my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

SANTANDER CONSUMER USA ( XXXX  ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX ( XXXX ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX  ( XXXX  ) XX/XX/2022 XXXX  XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX  XXXX  XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. 

XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
Product: Credit card

Citibank questioned a credit card payment from an already vetting banking source- in this case XXXX XXXX. After a conference call between a Supervisor of Citibank and XXXX XXXX, to confirm large payment transaction, I was told funds were immediately made available. Less than XXXX hours later, my account was closed. I called Citibank to give a reason for the closure, on XXXX XXXX, and a Supervisor could not give me a reason, but a letter would be generated in XXXX hours, and be sent via mail. I am now stranded in the midst of travel, after putting most of my funds to that credit card.
Product: Credit reporting or other personal consumer reports

I have been contacting Experian for over a year now trying to get the bankruptcy removed they keep telling me to contact the us bankruptcy court upon contacting the us bankruptcy court they advise they do not report to the credit agencies then I advise the credit agency of this they say its XXXX XXXX  who reported the information spoke with XXXX XXXX who advised they have suppressed my information an its no longer available reach back to Experian who keep saying XXXX XXXX certified this information. I am requesting information be deleted.
Product: Student loan

I made two on time full payments to my loan servicing company Mohela and all of the payment was applied to interest, there was no late payment or any other fee 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown accounts on my credit report. It has been just over 60 days and I still have yet to get a response. I feel as though they are refusing to start an investigation and this is causing me serious financial problems in my life. According to Section 611 ( a ) these accounts need to be deleted immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to add the freezes to transition, XXXX, and XXXX   and get my free credit report and they wont give it to me
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX, XXXX, and Equifax are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate information. I have disputed this account on several occasions with the credit bureaus as well. Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. For example, XXXX currently shows a balance of {$1100.00} and a status of Open with {$200.00} past due as of XX/XX/year>, XXXX is currently showing a balance of {$1100.00} and an original balance of {$1100.00} with the initial limit as {$500.00} and shows last payment of XX/XX/year> and is reporting XXXX late payments with a payment status of 30 days late and a past due amount of $ XXXXEquifax is reporting a balance of {$1100.00} with a credit limit of {$500.00} and has a payment status of not more than 2 payments past due while showing XXXX  late payments in the payment history.I would like this inaccurate account immediately removed from the credit reporting agencies immediately or a I will request the maximum amount per each violation.
Product: Credit reporting or other personal consumer reports

I am unable to dispute items on my TransUnion report because I can not login. My telephone number has changed. Attempted contacts to TransUnion yield an automated system that is of no help. I need my account reset with my new information.