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

Last year I moved from XXXX XXXX to XXXX  I registered my car motor vehicle department ask me the title for the car ask my XXXX XXXX XXXX to send a title to the XXXX Vehicle Department so that they can register my car and that time in XX/XX/XXXX they said they have sent the document to the motor vehicle department of Maryland my car was registered on these terms I will be providing them the title. 
As in XX/XX/XXXX my registration got suspended. it was not renewed because of the title which I ask XXXX to send them one year before I called XXXX and ask about the title and they said they going to send it right now so after 1 and 1/2 month and after everyday I call them everyday a new customer care person comes in and he starts a new filing for the sending titles and after all that after 1 and 1/2 months they said that I should go to XXXX XXXX DMV to get the title after wasting my time for more about like one and a half month they told me to go to DMV XXXX XXXX when my car was not registered I am doing XXXX and XXXX for that reason that I wasn't going to the job I got job less I asked to send me the extension documents so I can half payment extension for these two months send me the extension documents of the payment and I send them back and they accepted the extension payment besides giving they also also inform the Equifax experian about my late statement anyhow I call XXXX  and filed a dispute for the information correction. Today I got the result from experience and they put my 3 months as a late payment so I have been in this regard this the same situation happened last year and I file a dispute and they were not able to unless I I filed a complaint in cfpb too bad they were able to resolve my case and but still they put one month on my head so same thing they are doing now has me in this regard as its resulting financial crisis and I am unable to do the job and pay my rent and other bills because of the lowest score I am not getting loan from XXXX XXXX and it's resulting in the hard inquiries on my credit report experian is not willing to resolve my case because they always listen what XXXX is saying and even though i provided the documentary proof for extension still they are believing what XXXX is saying when I call them back and ask them like why you are not resolving and they said like XXXX are more trust worthy company than me they keep playing with my life still
Product: Money transfer, virtual currency, or money service

Documentation support Report XXXX AMEX FRAUD Payment was delayed Phone contact to AMEX stated it was possibly due to snow. 

Other parties XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, VA XXXX XXXX, XXXX XXXX, VA XXXX XXXX, XXXX, NC XXXX XXXX XXXX, XXXX XXXX, VA
Product: Credit reporting or other personal consumer reports

violations of federal statutes in reporting and validating credit and misinformation about negative items as well as address and erroneous information which has caused me financial harm and mental anguish To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my credit report.

I understand that mistakes happen, but your inaccurate information could hurt me in future and cost me a job, dream house, car or force me to pay higher interest rates and frankly I have enough stress as it is.

Please remove any names, addresses, and employers listed on my credit profile that are not the following : XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute and demand the immediate correction of inaccurate and outdated information appearing on my credit report in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605 [ 15 U.S.C. 1681c ].

The following item ( s ) are reporting inaccurately or beyond the permissible reporting period : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Department Of Education, XXXX XXXX ] According to FCRA guidelines, negative information such as delinquent accounts, charge-offs, and collections must not remain on a credit report for longer than seven years from the date of first delinquency. The listed item exceeds this statutory limit and should have been removed.

Furthermore, reporting outdated or incorrect information undermines your obligation to maintain accurate consumer data as mandated by federal law. I demand the following actions be taken immediately : 1. Remove the inaccurate or outdated information from my credit report.

2. Notify me in writing within 30 days of your corrective actions.

3. Provide an updated copy of my credit report reflecting these changes.

Failure to comply will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or take legal action to protect my consumer rights.

Please consider this letter a formal record of my dispute. I expect prompt attention to this matter and resolution as required by federal law.

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

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Mortgage

I hope this message reaches you and your loved ones ; All healthy, happy, and well. I know you all must be swamped so I am going to just provide facts and your feedback is greatly appreciated. 
1. Divorce/court orders ( XX/XX/XXXX ) state that no changes to any accounts were to be made on my behalf. Many changes were made on my behalf but most importantly, my mortgage. 
2. My husband violated the court orders and filed a false forbearance claim ( XX/XX/XXXX ) and reduced his co

urt ordered amount ( s ) paid to our mortgage company. 3. Once my ex husband c
omplied with the court orders, ( XX/XX/XXXX ) I paid all debts to EXIT the forbearance program in less than a month ( XXXX ). 
4. I have worked, endlessly to comply with my mortgage company and ALL of the directions I had been provided which ended up with inaccurate results. I am at the end of my rope with XXXX.

5. Throughout my Divorce Decree, I agreed to refinance my home into my name alone ( XXXX ). I did so in good faith because I have good credit and a good job, as a XXXX, as I have been at for over 10 years. 
6. Neither my attorney or myself knew the current laws on refinancing after a forbearance ( which I did not apply for, have knowledge of, or agree with ) that would make it IMPOSSIBLE for me to comply with the final Divorce Decree.

7. I can not afford any more attorneys fees to go back to court and request an extension on the agreed decree regarding my home. Why didn't XXXX  ask if there were any standing orders? 
8. If I do not refinance by XX/XX/XXXX I will be forced to sell and the home is upside-down. Literally, I can not afford to fix it or lose it.

9. If I lose my home due to an illegal/forced forbearance I will probably have to move to a shelter. I am a XXXX, I don't qualify for public assistance, nor, do I qualify for FHA/Conventional lending because of this forbearance.
10. I don't understand how a forbearance claim was made that I was not aware of, I don't understand how I have drained every penny I have in savings so that I can refinance and nothing adds up. Nothing. I thought my forbearance period was over weeks before what is being reported now.

11. XXXX  website does not match their payment website. The dates do not make sense or add up.

12. My mortgage representative is very nice but LITERALLY, nothing adds up. After spending all of my future payments, selling everything I can, nothing adds up and no one else will review or talk to me about my account.

13. I am a month away from having to walk away from my house. I invested all of my savings from years ago and I'm about to lose it all and have no idea where I will go. I am beyond scared and frustrated. How can this happen?

14. Thank you for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment Bureau XXXX : This account has been paid and is still reporting a balance on my credit file.
Product: Checking or savings account

I had account for XXXX years an think I was paying twice for every transaction I was making an I always asked why I always had overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report. The account is showing a REPO status. The car was traded in to purchase another car with a different car dealership. I was not in possession of the car when it was repo 'd from the other car dealership, my fees and everything were paid on time and in full. Please update my account to paid as agreed and not a REPO.
Product: Debt collection

Good afternoon, I had a XXXX credit card account which I closed for bad customer service back in XXXX. In XX/XX/XXXXI started to receive calls from their Collections department that I owe money on the card. I was on the phone with different representatives from fraud department, security investigations, and disputed the charges that appeared on my card as I was not familiar with. Since then I am told that charges are either taken care off and are disputed or other times when I call Im told that I accepted the charges. I keep telling the representatives that I did not accept the charges and I want to have them disputed. Every time I call I ask for the representative name, id no. and department. Sometimes I get the name but the ID number I do n't. Sometimes I get disconnected. Other times I get a fake id no. 
Here are some of the times I called Citi and after long hours on the phone nobody helped me. 
1st call I registered with the Fraud Dept I spoke with XXXX XXXX On XX/XX/XXXX I also called them on XX/XX/XXXX & XX/XX/XXXX and was told fraud claims is handling the problem. No id or name was given. 


I also spoke on XX/XX/XXXX with XXXX from Collections. 
Dept XXXX Then got transferred to Fraud- XXXX XXXX - fraud Dept Id XXXX XXXX- XXXX ( who gave me a fake ID ) Told me to call onXX/XX/XXXX as will be taken care off. 

I called on XX/XX/XXXX spoke with Collections then fraud. 
ID no Fraud Department XXXX then XXXX XXXX ( fake name and id as onXX/XX/XXXX the representatives told me that id no does n't exist as the people that spoke to me she sees their ID numbers to be XXXX and XXXX. 

Collections called me after I told them to put me on their Do not call list, on XX/XX/XXXXSpoke with Id XXXX, XXXX who transferred me to XXXX after I requested a supervisor. 

XXXX 's info is Id XXXX and she 's with Collections Department. 
She told me she ca n't help me and she is not allowed to stay on the phone with me while I talk to Security Department/Fraud then transferred me to XXXX, ID XXXX XXXX said other department will help me and transferred me to Security Investigations department. 

XXXX Security investigations department Got transferred to XXXX who did n't want to provide her Id no.and hanged up the phone prior to finishing the conversation. 

I called back on XX/XX/XXXX at XXXX XXXX and spoke with XXXX ID XXXX who said he ca n't provide email or any other info and told me I will be called bac

k tomorrow. My almost perfect credit score is down over 120 points and t
his is affecting my tremendously.

Please help as I am not getting any help from CitiBank Thank you, XXXX XXXX
Product: Credit card or prepaid card

XXXX statement indicated balance of {$250.00} and full balance of {$250.00} was paid XX/XX/2022. New statement was issued with closing date of XX/XX/2022, showing a balance of {$4.00} for interest. I knew I paid card off. When the {$4.00} was not paid, they charged a late fee and more interest. See statement attached.
Product: Checking or savings account

I already have an account for Zelle when I went to use it they had deactivated and now I have issues logging in to send and receive money its very inconvenient
Product: Credit reporting or other personal consumer reports

I have previously sent disputes requesting verification and debt validation for the item ( s ) listed below. Additionally, I have requested specific method of verification ( MOV ). Experian is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using e-OSCAR or PACER is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus ' guidelines for what constitutes proper debt validation. Additionally under FCRA 623, I am requesting investigation as to the accuracy of the records on this debt. 

The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ 15 U.S.C. 16 81 e ] ( b ) " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. How is it possible that maximum accuracy is assured when the company is verifying erroneous information to the CRA through an ACDV, and hasn't provided you with proper validation of the debt?

Under 623 ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA. 

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

On XX/XX/2020 XXXX XXXX pulled my credit report without my consent. When I contacted them, they stated it was incorrect pull and they would rectify the situation. Today, XX/XX/2020 I received a letter stating XXXX XXXX XXXX ran my credit from an old CLOSED account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX Dear Sir/Madam, I am writing to formally dispute certain unauthorized and fraudulent inquiries on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure that my credit report includes only accurate, verifiable information. 

The inquiries I am referring to are as follows : 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 I have reviewed my records and confirm that I did not authorize these inquiries. As per **Section 1681b of the FCRA**, an inquiry can only be made on my credit report when I provide consent, or in certain other circumstances. It is clear to me that these inquiries do not meet those requirements, and therefore, should not remain on my credit report.

Under **Section 1681c-2 of the FCRA**, any inquiry that is made without proper authorization is considered unauthorized and should be removed immediately. I request that you investigate and remove these inquiries from my credit report as soon as possible. Please provide me with written confirmation of your actions.

If you are unable to remove the inquiries, I request that you provide me with detailed information on how these inquiries were made, as well as any supporting documentation.

Please find enclosed a copy of my credit report highlighting the unauthorized inquiries, along with a copy of my identification for verification purposes. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : - XXXX
Product: Credit card or prepaid card

Chase marriot bonvoy card have been advised immediately, regarding scam made and charged to my credit card in the amount of {$200.00}. We need to register with XXXX XXXX XXXX XXXX and provide proof of registration. We submitted thru internet all informations required. At the end, we did not get the required proof, however my credit card was charged {$200.00} ( {$100.00} each my wife and I ). 
This happened last XX/XX/2022. After so many exchanges of communications, the company said their investigation found the billing to be valid. I disagree with their investigation for the following reason : We can't contact the vendor, no contact info. The transaction was done thru internet. 
Invalid charged because the product purchased was not delivered. 
The invalid charge was reported immediately to Chase. 
In view thereof, I canceled the card and did not pay the balance of {$200.00}. 
As a result, my credit rating was reduced from XXXX to XXXX as of this month. 
Please help. I can't support scammers. 

Thank you XXXX
Product: Money transfer, virtual currency, or money service

Sent money via Zelle to the wrong person money was never given back
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax : Please remove the below Consumer Statement from my credit report : CONSUMER STATES THAT THE DELETION OF INQUIRIES ON FILE WILL BE DELETED IN FOUR DAYS UPON THE RESULT IS OUT AND FINAL SUPPORTED WITH DOCUMENTS Attached to this complaint are : - written complaint + screenshot of Equifax where it shows to remove - drivers license - social security card - Proof of address Please remove that phrase immediately
Product: Credit reporting or other personal consumer reports

There is a fraudulent charge listed on my credit report from " Conserve. '' This needs to be removed immediately, or I will be seeking legal action.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in ACCURATELY reporting consumer information It is imperative that this information be reported with utmost accuracy. All my payments are current with XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence that is consistent among all reporting agencies. If consumer reporting is found to be inconsistent, I demand that these late payments be promptly updated to reflect all payments are on time. I printed out my credit report and attached it as proof of these inconsistencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to learn that I have been a victim of identity theft. There are numerous accounts that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts as soon as possible.
Product: Debt collection

Navient is the second company that claims I owe XXXX  ( student loan ). The first company called XXXX, I paid for 5 years. I kept all reciepts to find out the company was pocketing my money. I entered a class action lawsuit after I won the company Navient appeared asking for debt that I paid. I do not owe any money and i would like to dispute such in court. I never got a chance to dispute now Navient is harrasing me at work
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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

Fraudulent applications were submitted in my name and approved. I have a Credit Monitoring service that notified me on XX/XX/XXXX which was within 24 hoursof the inquiries. They provided information on accounts approved by Capital One using XXXX  and XXXX XXXX credit information. I contacted all three parties informing them of the situation. The Inquiry still shows on my credit report with XXXX and XXXX XXXX. Both claim I need to notify Capital One. However I notified them on XX/XX/XXXX XXXX and they removed the inquiry from my XXXX   credit report but not the others. 

I have contacted both XXXX  and XXXX XXXX MULTIPLE times and have been unable to resolve the issue.
Product: Checking or savings account

I opened a new account on XX/XX//20, and my ACH opening transfer in the amount of {$25.00} was placed on hold, without notice. I checked online banking and it shows the hold will expire on XX/XX//20, but yet, as of today, XX/XX//20, the hold still remains. Upon calling instutition, was informed the hold, which never should have been placed, will not be removed until XX/XX//20.