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

On XX/XX/2023, I paid my account in full with affirm. I noticed on XX/XX/XXXX it was still reflecting that I was past due and I owed them. I contacted the company on the XXXX the person I spoke to told me it took a couple weeks and it would be off of my credit. I had filed to disputes with the credit bureaus regarding this both of the disputes were denied by affirm, I had even attached my statement from the bank where it showed I had paid it in full on XX/XX/XXXX. I thought I would wait and see if it would be off my report as the lady from Affirm told me on XXXX XXXX XX/XX/XXXX I checked my account with the credit bureau and XXXX noticed they had added another {$2.00} onto my account saying I was behind. And I had not paid my account. I contacted Affirm they give me an email address as well as a case number telling me to email them in screenshots of my account where they were paid and where it was reported to the credit bureau. I sent that in. The same day after I spoke to them I had received another flag now they're reporting I'm over 90 days late. After 2 disputes phoning in several times as well as trying to log in and I was denied login on their website and on their app I don't know what else to do I hope this can get it resolved.
Product: Checking or savings account

Call XXXX time end my card was stolen and they were unauthorized charges I filed a police report and I was told that I would be given a provisional credit while I waited the 10 days by law they had 10 days to credit my account it's been 15 days and I have not provided me my provisional credit while they continue their investigation I done everything the basket investigation and they are breaking the la
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion, XXXX, and XXXX after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me.I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my previous request and hoping that the accounts listed below lates will be removed : XXXX XXXXXXXX Balance : {$160000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXXXXXX Balance : {$1500.00}
Product: Credit reporting or other personal consumer reports

My credit after work was boosted to XXXX then a card that isnt mine or under my name was added and claimed to be late and my credit is in the dumps once again I had identity theft problems I reported a while ago now my credit is shot and they havent corrected the problems
Product: Checking or savings account

I deposited a Class Action Settlement check at a Chase Bank ATM check deposit on XX/XX/2022 at the ATM at the Chase Bank branch on XXXX XXXX in XXXX XXXX, California. The check was for {$5400.00}, made payable to XXXX XXXX. 
XXXX XXXX XXXX XXXX BENEFITS TRUST. Chase Bank will not return or release the check to me, XXXX XXXX. Chase Bank closed my checking account on XX/XX/2022
Product: Mortgage

The first Conciliation Conference was held on XXXX XXXX. My Wife, Who is on the DEED and has a Power of Attorney, logged in to the XXXX meeting but when my name and case was called the attorney for the lender said that Complaint has not been served to Defendant and the they're moved to the next case. The next conference was scheduled on XX/XX/XXXX. On XXXX we contacted Specialized Loan Servicing and applied for the short sale approval with all necessary documents attached and asked to put Foreclosure on hold. We received an email from XXXX XXXX XXXX XXXX XXXXXXXX stating that our application is under review. On XX/XX/XXXX we received via mail Package of documents with the Short Sale Program Approval. On the same day we got court document stating that Defendant failed to appear to the zoom Metting on XX/XX/XXXX and the STAY IS LIFTED. We were under impression that because we applied for the short sale, we don't need to attend the Conciliation conference on XX/XX/XXXX. This file should be on HOLD.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX has reported a single late payment to the credit agencies. On an account that was paid in full closed and never late. XXXX is the first to solve the issue yet Equifax and XXXX have failed to correct the issue.
Product: Credit card

I have discover credit cards for years I opened a new acct with no interest for 18 months and provided proof of verity from bank XXXX notary they told me they called bank and the notary was not there I went back to have another notary verify my identity again they rejected it for no reason
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against TransUnion for their credit report calculations. I have a XXXX credit score of XXXX to XXXX depending on the bank used. I have an XXXX credit score of XXXX. I had an TransUnion score of XXXX and then made one charge which still didn't put my credit usage at more than one percent ( with perfect payment record ), but did use 30 % of my XXXX XXXX XXXX ( 36 months, zero percent interest ) and TransUnion dropped my score XXXX points. There is no logic to their system. I've monitored and grown my credit for years, and there is no calculation of risk for that minimal a charge that would drop my score than much. Any service, therefore, that would use their report would see me as a liability which is absolutely false.
Product: Debt collection

XXXX XXXX XXXX , XXXX. sent a " XXXX XXXX XXXX '' notice on XXXX/XXXX/XXXX for a settlement agreement which I replied to on XXXX/XXXX/XXXX. I called and gave my XXXX XXXX XXXX XXXX information for the full settlement payment of XXXX from the $ XXXXon acct no. XXXX. On XXXX/XXXX/XXXX, I received a notice from Alpha Recovery Corp for the same account attempting to collect the full amount. I called XXXX and the representative stated that the account was settled but then referred me to their account support but gave me a different account of XXXX to refer to. The rep from the account support stated that the debt was not resolved because of a bad check which was inaccurate because the fund were available per my bank statements. Now, two years later, Alpha is attempting to collect {$460.00} and threatens to obtain a judgment when the account was agreed and settled.
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 rights to privacy and confidentiality under 15 USC 1681. Convergent Account # 1234, 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have my own business and have had for several years. As a business owner affected by the COVID 19 pandemic, I took advantage of the Paycheck Protection Loan for myself as an employee. When my funds deposited, I was told by the teller that the deposit " did not look right ''. Additionally, a bank employee went out to my car to take down my license plate number. I have been banking with this credit union since 2018. Needless to say, i felt profiled because I am XXXX american. Funds were frozen and XXXX being sent back to the XXXX Every time that I provide what is requested of me, I am told to provide something else. I have already signed a promissory note legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX 2. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account.
Product: Debt collection

Today XX/XX/24 I received a call from a company called XXXX XXXX stating that my account with XXXX  is pending legal action if I did not pay them {$5000.00} today. The operators name was XXXX. He stated if I did not pay the company XXXX will sue me for the money. I am already in a debt consolidation program and when I tried to explain that. XXXX stated that my program hadnt reached out to them. That is not true because they just brought me an offer a month ago. XXXX XXXX tried to scam me.
Product: Credit card or prepaid card

Cant redeem the rewards cash into my bank account. 
But the same account is there to make the payment When I called discover at around XXXX XXXX to XXXX XXXX central timeafter a wait of 13+ minutes XXXX told me that I need to first make a minimum payment from that bank account to this credit card then only I will be able to redeem to this bank account. 
I told her that this card is at least 5+ yrs old and I am using the same bank account for around XXXX years so whats the problem all of a sudden? 

Have you sent any communication or card member agreement or FYI to the customer regarding this issue? 
Her answer customer will call us in case of any issue This is ridiculous. 
This discover was providing chat in the past new messaging system is ridiculous. 
They have taken away secure message center also Day by day Discovers standards are going down. 

And more over I have two credit cards with discover I have always used the same bank account with the other card which was more active. 
XXXX told me that we can do it over the phonewhen I wanted to do it over the phoneshe said I need to first pay the minimum balance first in order to redeem it. 

During this pandemic - this credit card company is treating the customer so badly. 
For this - this discover is getting XXXX XXXX customer satisfaction rewards or they are just bribing them to get this reward.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a consumer-defined under 15 USC 1681a ( c ). I noticed a charge off ( XXXX XXXX ) on my consumer credit report. According to the IRS, a charge-off is defined as a certificate of indebtedness, meaning it is income and must be removed. Why are you reporting INCOME on my consumer report? The law says it's illegal to report transaction history. If not removed, I will file legal action. In Good Faith With Prejudice By : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Reinvestigation of Inaccurate Information on My Credit Report Dear CFPB Team, I recently disputed the in accurate addresses on my Credit Report I have called and I have written to Transunion about the a non-mailable addresses. I want these addresses deleted I have no knowledge of these address. I have mailed a copy of my drivers License and social security card to this agency to confirm my identity. 

XXXX XXXX XXXX XXXXXXXX, TX XXXX NON-MAILABLE ( PLEASE DELETE ) XXXX XXXX XXXX XXXX XXXX, TX XXXX NON-MAILABLE ( PLEASE DELETE ) I appreciate your immediate attention to this matter. Ensuring accurate reporting is vital to maintaining the integrity of consumer credit, and I trust that my concerns will be addressed with the seriousness they deserve. 

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

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, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 
XXXX XXXX
Product: Payday loan, title loan, or personal loan

NBT Bank and XXXX XXXX FACTS : XXXX. In the spring of XXXX I purchased solar from XXXX XXXX and financed by NBT Bank XXXX XXXX, NY. XXXX. Like other solar companies I spoke with, both NBT Bank ( XXXX ) and XXXX XXXX misrepresented the manner in which I would receive my Federal Tax Credit. They both said that I would receive the {$17000.00} plus on my tax return and that I had 18 months to pay this amount to NBT Bank, or my payments would increase {$100.00} per month. Receive additional amounts on my tax return was nothing new to me, as I raised my child with a low income and consistently receive more than I payed in. XXXX. Upon filing my wife and my XXXX taxes, I discovered that I would only receive {$3400.00} in solar tax return and that the then now, remainder of the {$20000.00} would be rolled over for 5 years. This violates FTCA Section XXXX dealing with Unfair or Deceptive Acts, because they assure me that I would receive the credit on my next tax return. Both of the contracts of NBT and XXXX violates the FTC on " Clear and Conspicuous '' What they said and what happened were XXXX different things, and this is happening ALL over the solar industry. XXXX. I called NBT Bank to try to get them to restructure the note, but no one would ever return my call. I decided to stop the auto pay and close my bank account in attempt to get NBT Bank to the bargaining table. XXXX. NBT Bank started their collection process and for at least the first XXXX contacts, NBT never informed me that " this is an attempt to collect a debt '', and NBT Bank never informed me that they would be reporting me to the credit bureaus, resulting in my credit score tanking XXXX points in XXXX day. As a result, I have had XXXX credit card companies drop my limits from {$5000.00} down to {$500.00}. XXXX. My wife was so disturbed by this and other events connected to the situation, that she moved out a month and a half ago. However, she is a collections manager for a large bank in XXXX XXXX Texas, and she says that NBT bank is violating OCC and FTC regulations. My XXXX personal bankers, XXXX is a President over multiple branches, are both baffled at how NBT Bank can get away with their fraudulent practices. XXXX. NBT Bank has not cooperated with me at all, even though I have stated every time that I want to pay my bill. NBT attempted to turn my system off remotely and when that did not work, they sent contractors to my place to do it manually. I was not home and the gate was shut. They left a letter in the weeds XXXX feet from my gate. Before this, the wind destroyed my ground mount system, on XX/XX/XXXX, because of faulty installation. XXXX finally warrantied their product as of XX/XX/XXXX. NBT Bank and XXXX XXXX are both crooked, and there are plenty of similar reports all over the internet. This has caused me physical, mental and financial hardships. I am legally XXXX. However, I do have a lump some to pay NBT Bank, but I do not believe they deserve XXXX dime, because of the injuries and violations that they have caused. I do have all dates and copies
Product: Credit reporting, credit repair services, or other personal consumer reports

Since filing chapter XXXX bankruptcy nearly five years ago, XXXX XXXX XXXX XXXX is still reported as a charged-off account on my Equifax report despite several disputes. XXXX refuses to acknowledge its participation in my chapter XXXX repayment plan. 

As a result of my latest dispute, the personal statement which appears on my report is erroneous. The statement is applicable only to the XXXX account.
Product: Credit reporting or other personal consumer reports

As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

Navy Federal has defamed my character.
Product: Checking or savings account

Moneylion still has me owing them when I have shown them documents from a statement that I paid them and they sent me an email thanking me for the payment if anything I could possibly owe them XXXX dollars but that's all if I owe them that much because their instant-XXXX XXXX will not all allow you to buy borrow back to back without the customer paying off the amount they credited them and it will only let you borrow XXXX dollars at a time...
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with XXXX XXXX and Transunion. 

I recently read my credit report with Transunion. It listed a debt I had with a company called XXXX XXXX. According to the report the " account '' was opened on XXXX XXXX, XXXX and reported to Transunion on XXXX XXXX, XXXX as going to collection. I tried to call XXXX XXXX yesterday but their phone number was a number that went to voicemail. Their address is listed as XXXX XXXX XXXX, XXXX, TX XXXX. 

I never opened an account with XXXX XXXX. When I googled XXXX XXXX I noticed a number of consumers had also launched complaints with this company.
Product: Debt collection

Previous obligations of paying for medical transport expenses have been practiced by self, without any need for further action being taken by the company of XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. These independent arrangements of payment conducted by self were without ample warning of any kind of " unacceptable '' payment, as each payment was accepted and each personal check was cashed as to accept. As well, there was no standard legal practice of my receiving warnings written of the eventual possibility of my being reported to a credit bureau. This credit bureau created its first report of negligent credit to me as of XXXX XXXX 2017. There ate 2 amounts that have been reported to this agency. One is on the amount of {$540.00}. The other amount is for {$180.00}. Both amounts are for the same ( medical transport services ). This credit bureau is named CSBC, which has the address of XXXX. XXXX XXXX, XXXX XXXX, Ohio XXXX. Further proof of acceptance of payments can be available upon request to the bureau of CFPB.