23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding unresolved disputes with multiple credit reporting agencies. Despite my repeated attempts to correct inaccuracies on my credit report, including accounts with XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX as well as unauthorized inquiries, I have not received a satisfactory resolution. These inaccuracies are negatively impacting my credit profile, and I am seeking the CFPBs assistance in ensuring that the credit reporting agencies conduct a thorough investigation and make the necessary corrections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Opened XX/XX/XXXX Paid, closed Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX Opened XX/XX/XXXX Paid, closed Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX Opened XX/XX/XXXX Paid, closed Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/XXXX XXXX, closed Closed XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Opened XX/XX/XXXX XXXX off XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX XXXX Opened XX/XX/XXXX XXXX Closed XX/XX/XXXX Unauthorized inquiries for XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX Experian Business Credit on XX/XX/XXXX XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was hacked. Someone tried to open a credit card account with XXXX XXXX XXXX on XX/XX/XXXX. Fortunately an account wasn't opened but caused a dropped in my credit report along with an inquiry which does hurt my credit. I would like to get this removed from all of my credit reports : Experian, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15usc 1981 Accounts 1 ) XXXX XXXX XXXX Account 2 ) XXXX XXXX XXXX XXXX Account 3 ) XXXX XXXX Account 4 ) XXXX Account XXXX ) XXXX XXXX XXXX  Account 6 ) FIRST PROGRESS CREDIT Has violated my right. 15 usc 1681 section 602 ) State I have a right to privacy. Section ) 604 Consumer reporting agency can not finish a account without my written instructions Also if you read 1681s-2 ( A ) 1 1681c. ( A ) ( 5 )
Product: Credit card

Im a XXXX XXXX. My boyfriend and I were booked on a trip to XXXX when a state of emergency was declared thru XXXX XXXX ( presidential candidate assassinated and riots started, so we cancelled the trip. I approached the travel company in XXXX ( XXXX ) and they refused to refund anything ( have paper trail ) charges XXXX XXXX.Also the invoice never had our name on it.. I used my Chase Visa, after 2 disputes submitted with documented proof, I did not get a penny back. Though Chase prides themselves on customer service, they were rude. when I called numerous times they blew me off. It was difficult to get a representative honor my request to speak with a supervisor. When they placed the charges back in my account Chase did not inform me ( XX/XX/2023 ) .I only discovered by checking my visa account on line as I frequently do. I do not believe the documentation I submitted was read. The trip was XXXX XXXX. I filed the 1st dispute around XX/XX/2023 with a customer service representative. 
My boyfriend also filed a dispute with his credit card co. and HIS CHARGES WERE REFUNDED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to purchase a cell phone and was unable because of lack of history.
Product: Checking or savings account

3 checks were stolen from me in XX/XX/2022 when I sold my house, these three checks were cashed by a lady named XXXX XXXX thru XXXX  XXXX XXXX account from my Navy Federal Credit Union account ending in XXXX, during the months of XXXX thru XX/XX/2022 I traveled out of the country during this time I could not access my account on the app because the bank would block the international Ip address. on XX/XX/2022 the firdt check number XXXX posted to my account and paid for XXXX then on XX/XX/2022 a second check number XXXX posted to my account and paid for XXXX also and on XX/XX/2022 the third check XXXX posted to my account and paid for XXXX. I returned from my trip on XX/XX/2022 and upon my arrival and seeing my bank statements I did not recognized these charges so I reported it to my bank and asked for copies of these checks when I received them I was able to identify that these checks had been stolen and fraudulently cashed all three checks have different handwriting 's. I submitted a claim form after reporting it by phone and included copies of the checks. Navy Federal credit Union took a long time to process and even that I had uploaded the claim on their secure site they kept saying they had not received it but system reflected that they had, so I continued to upload several times during the next several months till they finally admitted receiving it all, and then they took their time to issue it to someone to work on it, and then after several months later they sent a secure message stating that I would not get a refund or credit back, I asked why this was not making sense so then I waited and they refused to give me a reason so I appealed in writing and they again took months to answer and replied that it would not be credited back to me again I asked what reason and they never gave me a reason. I want my money back and credited back to my new account that they opened when my account was a victim of fraud XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

World Finance is reporting my acct twice i have the message to prove its inaccurate also on my XXXX they reporting twice, under world finance which is reporting negative twice this is the message from the company on why responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : World Acceptance Corporation of Missouri ( World ) Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from Worlds Branch XXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, World sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX found an inaccuracy in the information XXXX was reporting for XXXX XXXX account number XXXX. A change request was made to XXXX to update the account to remove any references to bankruptcy as XXXX XXXX account was not in a bankruptcy status during the time it was owned by World. As World is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, World Acceptance Corporation Compliance Department
Product: Credit reporting

I recently pulled my credit report from XXXX and Transunion, and to amazement, I still see this company name XXXX XXXX reported as a charge off. I have disputed this account with Transunion and XXXX. However, it comes back " verified '' I am very curious as to what kinds of " records '' this company has on this account. I have sent request for validation/verification of this alleged account. No response have been received from this company for over a year. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( MO ) XXXX XXXX XXXX I may presume that no proof of the alleged debt can be validated. Also, under the Fair Credit reporting Act, this disputed account my not appear on my credit report if it can not be supported by any evidence. If this matter does not get resolve amicably, I will file charges against this company for violation of my federal rights. I have been dealing with this issue since 2014..
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from the three bureaus on XX/XX/XXXX and I noticed multiple unauthorized credit inquiries had been made. 
I contacted all parties involved, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. 
I request that you investigate the following companies who made an inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX, Inquiry date : XXXX XXXX, XXXX, XXXX XXXX, Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XX/XX/XXXX
Product: Checking or savings account

This is in direct relation to the following case : XXXX XXXX XXXXXXXX I have a Business Checking account that I noticed is receiving excessive overdraft fees in violation of the Overdraft Protection Act. 
Truist bank charged me overdraft fees even after the system tells me I had sufficient funds at the time of the transactions. I brought this issue to the Business Banking Support Teams attention. The fees were not refunded. I also spoke to a Banking Representative on the phone at the branch but nothing was done as I requested refunds. So far I have been charged a total of 13 Overdraft fees at {$36.00} each in XXXX of XXXX. 26 Overdraft fees in XXXX of XXXX. 15 Overdraft fees in XXXX of XXXX. 21 Overdraft fee in XXXX of XXXX. 7 in XXXX of XXXX. XXXX in XXXX of XXXX. 4 in XXXX of XXXX. 1 in XXXX of XXXX and 5 in XXXX of XXXX. Many of these overdraft fees were given even after the system showed sufficient funds at the time of transaction. Total amount of overdraft fees is {$3.00}, XXXX. Of which many times I was charge more than 5 overdraft fees in 1 day. The most I was charged was 11 overdraft fees on XX/XX/XXXX. I am seeking a refund and a change to how these fees are being charged to business banking accounts. I also made a request that the bank stop paying overdrafts but they said they can not stop for business banking accounts.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX ( XXXX and Equifax ) and XXXX ( XXXX ) I temporarily " lifted '' or " thawed '' my credit freezes. The freeze was to go into effect just for today, XX/XX/XXXX so I could apply for a new cable/internet service. I received notifications this had been done. When my credit was pulled by XXXX XXXX today, I was informed my credit was frozen and had to cancel my sign-up. I went online and verified that all the accounts had temporary lifts of the freeze. 
I suspect, but can not verify, that XXXX was the problem. This is because it took me hours to remove the freeze with them and minutes with XXXX and Equifax. I recognize it could be the others or even XXXX that has the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting at XXXX account number XXXX XXXX XXXX XXXX amount of {$13000.00} ( EXPERIAN ), XXXX XXXX XXXX amount of {$13000.00} ( XXXX ) has violated my rights. 

I dispute this debt and its inaccurate information. The credit type on this particular account reads as a XXXX XXXX. That information is wrong and should read as a CREDIT SALE. 
I also dispute the late payment and payment history as it reads that 0 % of payments have been made yet it displays a last payment as of XX/XX/2019. 
This account reads that I have late payments but it also reads as a repossession. I can not possibly have a late payment if the property has already been taken back and resold. 
I deserve the right to an accurate credit file and this inaccuracy is unacceptable. Please removed this debt and inaccurate information immediately. 

Statue 15 U.S.C 1681 section 602A states I have a right to privacy. 

Statue 15 U.S.C 1681 section 604A states a consumer reporting agency can not furnish a account without written instructions from the consumer. 

I am the consumer and I do not give permission to furnish information on my report at this time.
Product: Credit card

I was advised via us mail that my 2 accounts with Capital one was closed due to activity that was against their standards. 
I've been basically unemployed for the summertime and was struggling with a part time school position with reduced hours and wages. 
My last paycheck for the summertime hours was only {$140.00}. 
Capital One was still trying to get payments out of my checking account and it wasn't consistent with my paydays. 
I believe their actions may have been discriminatory in nature and geared towards people in the minority class and income level.
Product: Bank account or service

In XXXX XXXX, I found my credit score dropped from XXXX to approximately XXXX. Upon my investigation with XXXX credit agencies, I discovered that an individual opened a Paypal Extras Mastercard with Synchrony Bank in XXXX XXXX. I am unaware who opened the account or if/where the card was mailed. I have been contacting the Synchrony Bank since XXXX to have my credit score restored. However, there is still no news from them. We need to get the score corrected to close our first house in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres an apartment community showing as a collection on my credit report with XXXX  by the name of XXXX XXXX and creditor by the name of XXXX XXXX  which isnt mine..Ive disputed this and its still showing on my credit report ... also theres an apartment by the name of XXXX XXXX and XXXX XXXX on my transunion report which I have disputed ... I have never lived at any of these apartments ...
Product: Checking or savings account

After returning from an overseas trip in XXXX of this year and examining my US Bank statement, I noticed a suspicious/unrecognized charge in the amount of {$130.00} debited from my checking account ; a charge for funds that were never disbursed. I immediately disputed the charge with US Bank through their normal and recommended channels, both by phone and by mail, and was denied redress ( US Bank Reference Number XXXX ). As it turns out, US Bank investigated a different ATM transaction than the one I was disputing, one that actually did disburse the funds I was seeking, and then stated that this was the reason my dispute was denied. All subsequent attempts to sort out this error/confusion, and direct their attention to the actual ATM charge in dispute, have been to no avail ; I am being effectively stonewalled at this point.
Product: Mortgage

I modified my loan this year. I made 3 timely trial payments. My first modification payment was due XX/XX/XXXX. I made the XX/XX/XXXX payment. When I called to make the XX/XX/XXXX payment, I was told the I still owed XX/XX/XXXX. I later found out that my XX/XX/XXXX payment was credited to a XX/XX/XXXX payment because I sent the payment in " too early '' according to Nation Star Mortgage. I disputed the situation by submitting 3 review requests to their Research Department, and I stayed in constant communication with Nation Star throughout the entire process. I was told that no decision had been made and to resubmit my request twice ( totaling XXXX ). I specifically asked about additional fees and foreclosure and was told that no fees would be added and that foreclosure had not been started. I told them that I had the money to pay, but wanted to resolve the issue. They would not take partial payment as they wanted me to repay the XX/XX/XXXX payment. I called yesterday to pay the entire amount, because I am tired of fighting with them and was advised that foreclosure proceedings had been initiated and approximately {$6000.00} in fees were added to the account since our last conversation 7 days ago. 

I feel that they have not worked to assist me and have taken advantage of the fact that I am not as knowledgeable as them. I have attempted to pay on various occasions and they have refused to take my money only to add additional fees to the account. What are my options? Please help! I am a single, widowed mother of XXXX and am dealing with serious issues with my son at the moment. I can not continue to go back and forth with Nationstar with no resolution in sight.
Product: Credit reporting or other personal consumer reports

The information on this account has been changed XXXX times incorrectly. My XXXX XXXX XXXX account originally showed up as being late in the month of XXXX. I disputed this information because the account was never late. Shortly, there after the account was fixed and showing that it was on time for XXXX and the late payment history was removed. Then about XXXX weeks ago the account was saying that it was on time for XXXX, but was now late for XXXX. Which made no sense because it was the beginning of XXXX then I disputed this account again and the result was that it was late for XXXX, but on time for XXXX. Which again makes no sense. Again this account has never run late! So the information has changed twice and is still incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my Experian credit report, I noticed a few unauthorized credit inquiries that are reporting on my credit report. After many attempts of removing these unverifiable inquiries, they remain on my credit report.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau in question, Experian, is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that are posted on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract accompanied with my signature ) that Experian has on file for the accounts listed below. Failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, the account list below must be removed.
I demand the following accounts be verified or removed immediately.
XXXX Date of Inquiry : XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCredit Unions XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry :XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry :XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXAll Banks - non specific XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry :XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXXTenant Screeners ( Reseller ) XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Read the fine print. CD came due and I missed the due date. Starting calling service number but put on hold for extended period of time. Finally went to bank in person after being unable to contact bank by phone. CD automatically renews for 18 months if you do not contact them which is fine but the interest rate is .25 percent and a penalty withdrawal of XXXX plus XXXX % of the amount. Which in my case would be approx. {$4500.00}. I would think to be fair the interest rate should be at least equal to previous rate and not such a low rate dertermined by the bank. I ask for either waving withdrawal penalty or matching the origional rate. Bank manager said they would check and call me. Never got a call. Contacted band and was told it had been longer than 30 days and their legal department determined that is was locked in at the low rate. Ca n't believe CFPB would ever let a bank write a contract like this. So one sided, puts the consumer at a complete disatvantage. The CD is with BBVA Compass bank in XXXX Az.
Product: Debt collection

I post this complaint to the Consumer Financial Protection Bureau, as well as every credit reporting agency in the United States. The issue is very simple to understand. According to the trade lines posted on all of my credit bureaus, those being XXXX, XXXX and XXXX XXXX collectively, it is clear that Harley Davidson has exceeded its legal timeline to take legal action on a very old financial issue. Harley Davidson had an obligation to auction a vehicle not once, but twice. At no time was an accounting ever submitted as to the auctioning of a vehicle, or the upset price on two attempted sales. Secondly, there are two-years cut off on my payment history. I can assure the CFPB as well as evert credit bureau that the payment history was cut off to re-age the legitimate timeline as to how long the account may stay on my credit report. Accordingly, my payment history was late from the very first year. The late payment history actually dates back to XX/XX/XXXX. Under the rules of the Fair Credit Reporting Act, the 7-year rule applies and Harley Davidson is avoiding the deletion of the trade line until XX/XX/XXXX. I believe the trade line has surpassed the legal limit and should be deleted immediately. This process of re-aging debts and maintaining a persons credit rating for a much longer period is essentially holding my credit as hostage. Therefore, I believe that this is a violation of Harley Davidson pertaining to their subscriber agreement with each credit bureau. The trade line has surpassed the 7-year legal limit as to be posted as negative or sub-standard, and should be deleted immediately and permanently.
Product: Credit reporting or other personal consumer reports

I hope this communication finds you well. I am composing this letter to request detailed information regarding a dispute that I initiated on XX/XX/year> AND the subsequent response that I received on XX/XX/year> via the CFPB Complaint Portal as well as the dispute initiated on XX/XX/year> AND the subsequent response that I received on XX/XX/year> via email with dispute results. 

PLEASE SEE ATTACHED DOCUMENTS READ TO ITS ENTIRETY
Product: Credit reporting, credit repair services, or other personal consumer reports

I was effected by multiple data breaches & have multiple UNAUTHORIZED accounts & inquires that MUST BE DELETED BRECHES FROM equifax XXXX XXXX XXXX XXXX the bureaus must take off