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

I had a balance of {$360.00} that I paid all the way off. The company experian updated the wrong information after I had disputed the balance reflected was wrong because I paid it off. I even uploaded the balance paid thank you from a screenshot. The account was in good standing and still is in good standing but not for long. They updated the information putting a previous balance of {$160.00} on it and changing my {$0.00} balance ( that had been updated by the company at the same time the dispute was being investigated ) to reflect {$360.00} again. My balance should be {$0.00} not {$360.00}. Im trying to buy a house and its not looking too good with this on my report. It makes me look irresponsible.
Product: Credit reporting or other personal consumer reports

In reference to 15 USC 16c-2, my credit report includes unauthorized hard inquiries that are causing harm to my credit. I urge you to delete these incorrect entries.
Product: Debt collection

RBs Citizens has filed a Judgement against me and is attempting to collect debt after reaching a settlement agreement and has ruined my credit ... and they are denying that they settled with me ... The facts are, if they didnt settle with me why did they release car title?
Product: Credit reporting or other personal consumer reports

Well they have a charge off in XXXX that I have not received the XXXX from them and I have requested. It is now XXXX tax year and they are still reporting this account as a charge off. That is fraud. If you charged the debt off then it is gone.Thats Fraud. They report to all XXXX credit reporting agencies.
Product: Consumer Loan

I have reached out to New City Funding Corp to request copies of all contracts that were obtained in my name. Under the FCRA these creditors are required by law to provide documentation and notice of these accounts. I have called, sent multiple letters, and send multiple fax. I have not authorized this vehicle loan to be placed in my name and request that they be removed immediately or I will seek to pursue legal action.
Product: Credit card or prepaid card

I informed Chase Credit Card Services that Im going through hardship and that I can only make payment for the amount of {$50.00} per month Chase did not wanted to the {$50.00} dollars per month They want to close the account. 

And due to the payment situation Chase have reported late payments to the Credit Bureaus I have been Chase Customer for many many years Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was repo with my XXXX XXXX social security card inside. Upon picking up my belongings her card nor mine was returned. I need to put a freeze on her social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Product: Debt collection

i have several accounts on my credit thas not mines. Obviously identity theft 1. lvnv funding llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # **** ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX Account number XXXX .... 
XXXX Account number XXXX XXXX. 
XXXX XXXX Account number XXXX .... 
XXXX XXXX Account number XXXX .... 
XXXX XXXX Account number XXXX XXXX. 
XXXX XXXX Account number XXXX .... 
XXXX XXXX Account number XXXX .... 
XXXX XXXX XXXX Account number XXXX .... 
XXXX XXXX XXXX Account number XXXX .... 
XXXX XXXX  XXXX Account number XXXX .... 
XXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX Account number XXXX .... 
XXXX XXXX Account number XXXX .... 
XXXX XXXX XXXX XXXX Account number XXXX .... 
XXXX XXXX Account number XXXX I was the victim of identity theft. I disputed the fraudulent accounts on all three ( 3 ) credit bureaus XXXX, XXXX, and Experian. I discovered that all three ( 3 ) bureaus had different information about my identity such as the wrong date of birth and multiple social security numbers. I subsequently sent in copies of my social security card, my drivers license, and my birth certificate to correct the personal information. XXXX responded and did an internal investigation and found that my credit profile was mixed with other individuals and removed all the fraudulent accounts. XXXX followed with all but two ( 2 ) accounts, but they have now been deleted as well. Experian has done nothing and continues to do nothing, even after multiple calls and fraud reports sent in, they still continue to deny me a thorough investigation into the matter, or proof thereof. Experian has left the verification process with the furnisher to determine if the accounts are valid. Experian has continuously violated my rights under the Fair Credit Reporting Act and I would like them sanctioned. All three ( 3 ) credit bureaus had the wrong date of birth, and multiple addresses that did not belong to me. XXXX and XXXX took action and removed the fraudulent accounts accordingly, whereas Experian states these accounts are verified and have refused me access as to how they verified these accounts. How can Experian verify debts that do not belong to me?
Product: Student loan

In 2007 my son was trying to secure a private student loan from XXXX XXXX XXXX ( now defunct ). I agreed to help and signed papers to authorize a credit check and a master promissory note, which did not show any interest rate, fees, etc. A week or so after that, I received aFederal Truth in Lending Disclosure. Up to that point I had NO knowledge of the interest rate or total Finance charges. Once I received it, I refused to sign it due to the extraordinarily high interest and fees. My son contacted XXXX immediately and told them that I would not approve it, but they told him that he could proceed with the loan without my approval, which he did and received a check made out to him ONLY ( unlike a private student loan, which I DID co-sign ). 
Since then my son defaulted on the loan and my credit has been ruined by the loan administrator, American Educational Services ( AES ), who have perpetuated this fraud by XXXX. 
I have done everything I can to get this issue resolved on my own and need help. 
The note was initially handled by AES and I received copies from AES of all of the materials involved including the Federal Truth In Lending form WITHOUT my signature. At this time AES has informed me that ownership of the has been transferred XXXX XXXX ( aka, XXXX ), but I can not even verify this as my dozens of requests to that organization have been ignored. 
I need my name removed from this note as a co-signer as I never agreed to the terms of this loan.
Product: Checking or savings account

I have never had a personal account with these banks. I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with XXXXXXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cant log in cant get through phone system. Tried XXXX they put a freeze on my report when it s there system not working
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this account ( XXXX XXXX ) it does not belong to me nor do I have any responsibility in connection to this account. Please remove
Product: Debt collection

In response to a denial of an extension of credit this consumer checked with the consumer reporting agencies and found the following : 1. Your company has furnished negative information concerning this consumer to consumer reporting agencies as shown by the accompanying exhibits. 
2. This consumer is unsure whether or not your company can show that it has complied with the notice requirements found within the consumer protection laws.
Product: Checking or savings account

Bank of America has kept an IRS refund check, drawn on the treasury on hold. According to law, it is my understanding that BofA is required to release funds from a check, within one business day of deposit. I've called twice and spoken with different representatives and been told different things, so it appears their customer service has no firm or fixed policy regarding check holds. I asked them if there was some type of exception, or some problem, and was informed that it was due to " checks being drawn on high volume accounts take longer to clear ''. They are listing the hold time as 8 days from date of deposit, which is clearly illegal under federal law ( Expedited Funds Availability Act ) and the federal reserve 's rules, namely 12 CFR 229.10. It would appear that BofA does this routinely and regularly, in violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n 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 XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Money transfer, virtual currency, or money service

I XXXX 2 years ago and just prior to XXXX  I sold my truck for {$25000.00}. The man who bought my truck paid me through PayPal. When I arrived in country Paypal put a debit of {$12000.00} on my account. PayPal informed me that I only had 30 days to respond to their inquiry and that the 30 days had expired. But I was XXXX  myself and family XXXX  and did not see their email. They told me there was an issue with the buyer and his bank. I still don't see how that applies to me since PayPal successfully transferred the money to me. I paid the {$12000.00} right away because I was afraid that being XXXX I would be able to fight any credit agency calls and didnt want to hurt my credit. PayPal refused to hear my side and I feel ive been taken advantage of because I'm XXXX. Ive been fighting this for 2 years and can't seem to get any help. It's been hard on our family. I have XXXX children and {$12000.00} is a lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, Experian and XXXX has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) of the FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.
Product: Credit reporting or other personal consumer reports

I was wondering why my credit applications are getting denied, to my surprise my credit report has a lot of errors, false and erroneous information. This has caused unimaginable stress and really took a toll on my mental health due to this inaccurate information on my credit report.
Product: Credit card or prepaid card

I have new and updated information concerning my previous complaint based on the creditors response. Pursuant to 15 USC 1637 ( c ) ( 8 ), I am requesting that Capital One Bank provide me with the written application I made to them for the credit card ending in -9212, written proof of my income at the time of application or a written application of the cosigner who applied for the Capital One credit card with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently reviewed my credit profile and noticed that there are inaccuracies and incomplete information and account that have not been verified. 
in accordance with the fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

You are required to delete all incomplete information, inaccurate or can not be verified. 

15 USC 1681 Section 602 States I have the right to Privacy. All non-compliant, untrue, incomplete, and or unverified aspects of alleged derogatory accounts must be promptly negated in its entirety or deleted.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I am demanding that this account be updated to Paid as Agreed and Never Late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and have a current police report on file dated XX/XX/2022 with Chex Systems. The following Reported Information and Inquiries Viewed By Others listed on my Chex Systems XXXX Report ID : XXXX, is not my checking accounts or inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XX/XX/2022 and XXXXXXXX XXXX XXXXXX/XX/2022. I never applied for or had a checking account with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. The checking accounts from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is fraudulent and not my checking accounts. The inquiries from XXXX XXXXXXXX XXXX and XXXXXXXX XXXX are not my inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit reporting agency to get the proof they have that shows the accuracy of these erroneous accounts. They have yet to send any documentation, or properly investigate these inaccurate accounts. These accounts have not been removed and should be removed ASAP.They 're completely not following the FCRA. I have given the necessary proof to prove these accounts do not belong to me.
Product: Credit reporting or other personal consumer reports

Misleading my personal information and wouldn't allow me to cancel my subscription for years
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX XXXX XXXX XXXX, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX  website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  and XXXX credit card are reporting twice and sometimes three times a month, lowering my credit score purposely. The XXXX of the month is when my prepaid is due and reported. The XXXX of the month is when the XXXX is due and reported. 

Since XX/XX/2018 the reporting has been repeatedly during a 30 day period when its only to be once a month. 

XXXX is working with XXXX XXXX and XXXX lowering my score by over 103 points in less than 6 months. Only raising it by 1 or 2 points and I pay my bills on time, pay off my debts early and keep all debts paid on time, yet my score is now, again XXXX from XXXX.
Product: Bank account or service

On or around XX/XX/XXXX, I open a checking account at HSBC Bank USA, XXXX. I opened this account online because there is not a HSBC local branch in the area where I live. I am writing CFPB because HSBC did not follow through with the offer they promised. HSBC promised to deposit a promotional bonus of {$350.00} into my account once certain conditions were met. There were XXXX options ; I chose to make 2 bill payments for three consecutive months to qualify for the offer. 
Twice in XX/XX/XXXX, I called HSBC to find out when I would receive the promotion. XXXX supervisors on two different occasions told me that I had met the conditions of the promotional and the funds would go into my account by XX/XX/XXXX. When XX/XX/XXXX past, the funds were not in my account, I called HSBC to find out why. I was told that since I had a credit card with them, I did not qualify for the promotion. HSBC never mentioned anything in the promotional material about having a credit card with them to qualify for the promotional bonus. They indicated that one could not have had a checking account with them within the past year ( they tried to use this excuse at first to deny my bonus ). I told HSBC employee that this was not true. HSBC never would have opened my account if I had an account with them within the past year. 
I am requesting that CFPB look into this matter. HSBC has reneged on its promise. This is an unethical act on the behalf of HSBC.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about regarding Zelles handling of disputes particularly in highlight of the recent lawsuits.