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

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had four late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date ( XXXX, XXXX, XXXX & XXXX ). I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted a credit report dispute pertaining to accounts that I had no knowledge of acquiring. Upon sending this dispute I requested a debt validation to the following companies : XXXX   XXXX XXXX XXXX XXXX XXXX responded back that this debt was " certified '' by the reporting agency. However no documents have been sent to me to substantiate this claim as request. The listed companies are attempting to collect an alleged debt with no proof that it belongs to me as required under the FCRA and FDCP. This inaccurate reporting is causing harm to me and the CRA has refuse to delete this information.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

THERE IS AN FRAUDULENT AUTO LOAN ON MY ACOUNT FROM XXXX FIN ACCOUNT NUMBER XXXX. I WAS INCARCERATED DURING THE TIME THIS XXXX WAS OPEN.
Product: Student loan

Been paying monthly and submitted proof to Navient and still receiving harassing letters threatening to send me to collections, which they have been continually doing regardless of my payment history. As of yesterday I tried to call to get an explanation only to be given the runaround, put on hold for long periods of time, and ultimately hung up on. Navient allegedly increased the amount of my monthly payment but I never received any notification regarding this.
Product: Checking or savings account

Check was cashed on XX/XX/XXXX, but money frozen until XX/XX/XXXX. Wells Fargo pretended nothing happened, and my money wasn't just frozen for 10 days. 

I cash a {$1500.00} check on XX/XX/XXXX and sent {$380.00} available immediately to XXXX. On XX/XX/XXXX got an email said my {$1500.00} check was on hold and charged overdraft fee. Called Wells Fargo, and they said the check was " not payable '' and I need to call the check issuer. 

The check issuer said the money {$1500.00} left their account on XX/XX/XXXX. Check did not bounced. Money left their account properly. I still can't see my money on XX/XX/XXXX. 

On XX/XX/XXXX I saw a balance {$1100.00} on my account suddenly and a post dated {$1500.00} check that was claimed to be deposited on the XX/XX/XXXX, but money was actually frozen until XX/XX/XXXX, causing the overdraft fee to show up on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 States that I have a right to privacy.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXX, TX XXXX Resident type Apartment complex
Product: Debt collection

Communications are being sent to family members by XXXX XXXX from XXXX XXXX XXXX. 

Specifically, the following message is being sent : XXXX from XXXX XXXX XXXX contacting you on behalf of our client FINTAP, regarding your business <business name>. Your account is in legal status. I sent you an email at <business email>. You can call me at XXXX Contact Information for XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX Email : XXXX Phone : ( XXXX ) XXXX Text : ( XXXX ) XXXX Contact Information for RDM Capital Funding LLC DBA FINTAP Address : XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
Also allowing unknown users overdraw my account and did take necessary precautions to prevent this. 
This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$13000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have previously sent in information from the ftc and my police report of this account through XXXX. I have given this company multiple times to prove to me that this is my account. I asked if they had a copy of my identification, a signature, or even a consent form signed by me to prove that this was my debt. On all accounts, all I receive from XXXX Equifax, and XXXX is that it is verified. I have not received any proof and all of the credit companies say that this is verified. I have not received anything from anyone to prove different as well as they have taken over 30 days to respond several times. this last round of letters that I sent was confirmed to be received by them on XX/XX/XXXX and I received correspondence from the Bureaus that says that they need another 30 days. Also, I received letters stating that they could not locate the account in question but couldn't. Then the same day they sent a letter stating that they needed more time. I feel like these bureaus are dragging their feet. Also, I have not received one shred of evidence that this account belongs to me. No Identification, no signed agreement, and no proof ( When a consumer disputes an item on their credit report, the credit reporting agency must investigate the claim. If the consumer provides proof of the inaccuracysuch as payment records, court documents, or other relevant informationthe agency is required to review this evidence during their investigation. If the information is found to be inaccurate, it must be corrected or removed.

In summary, proof relates to the documentation necessary to substantiate a claim regarding errors or inaccuracies in credit reporting ) from the creditor.The Fair Credit Reporting Act ( FCRA ) is codified in Title 15 of the United States Code, specifically sections 1681 to 1681x. I would like for this account to be deleted from my credit history.
Product: Credit reporting or other personal consumer reports

I am rewriting the complaint to TRUIST BANK about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, THE INFORMATION REPORTING TO MY CREDIT PROFILE IS INFORMATION THAT I HAVE NO RELATION TO, NOR HAVE I EVER HAD A ACCOUNT WITH THIS CREDITOR. I HAVE CONTACTED THEM AND THEY HAVE FAILED TO PROVIDE ME WITH ANY ORGINAL SIGNED CONTRACT STATING THAT I OWE A DEBT TO THIS COMPANY UNDER FCRA SECTION 609A. UNDER FCRA SECTION 605B AND 609E, FRAUDULENT INFORMATION MUST BE PERMANENTLY DELETED FROM A CONSUMERS CREDIT PROFILE WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. THIS IS A DIRECT VIOLATION OF THE CONSUMER LAW AND I WILL BE FOLLOWING UP WITH EACH AGENCY TO ENSURE THIS MATTER IS TAKEN CARE OF IN A PROMPT MANNER. I HAVE CONTACTED MY ATTORNEY AND PLAN TO FILE A LAWSUIT AGAINST ANY AGENCY INVOLVED IN REPORTING FRAUDULENT AND UNVERIFIED INFORMATION TO MY CREDIT PROFILE. THIS HAS CAUSED ME DISTRESS AS WELL AS RUINED MY CONSUMER FILE. THE FOLLOWING ACCOUNT IS FRAUDULENT XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$190.00}. FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS. PLEASE REMOVE ALLL NON-ACCOUNT HOLDING INQUIRES THAT HAS NOT BEEN VERIFIED VIA ORIGINAL SIGNED CONTRACT.
Product: Credit reporting or other personal consumer reports

An account from 2018 is still on my credit report and all 3 bureaus. It appears closed on Transunion and paid in XXXX and XXXX which is inaccurate. This appears as XXXX card.
Product: Debt collection

The account is over the Statutes of Limitations and I have a bad credit because of this account. It is with Cavalry Portfolio Services.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal its a legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishings, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite I provide causing undoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I cheeked my report an I have unauthorized inquiries that I didnt apply for I sent letters to XXXX Equifax XXXX XXXX I told them I did not inquire for anything an they still havent removed these inquiries from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing a chargeoff in my report from Comenity Bank/XXXX. Its not showing a balance however. I havent had a XXXX account recently.
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for any reported transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all of the websites below, including your website, and my credit report it clearly states that, " You can contact the nationwide credit reporting companies online, by mail, or by phone : '' to make a dispute. 

I have tried every option on experians automated phone service with every number they list and it will not allow me to make a dispute by phone! This is clearly false information published by them and you and should either be taken down or better yet just actually be able to make a dispute via the phone number. 

It has vague information on my report like, " Too many accounts opened recently '' so I want to see what accounts have been opened to verify this information is correct but it's not stated on my report and I can't get a hold of anyone to even see if I have a dispute to make! 

I don't want to file a dispute until I know that I actually have a dispute lol Please fix these issues or bring it to the attention of someone that can. 

XXXX XXXX XXXXXXXX/ XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

Good morning. I am extremely frustrated with my experience thus far as I have attempted to work with your company and utilize your hardship program. I initially contacted Oportun on XX/XX/2022 to discuss the fact that, due to a COVID related job closure, my income had decreased nearly 70 % and I was experiencing financial difficulties. One of your CSRs informed me that Oportun had a skip payment hardship program that I could enroll in that would allow me to skip payments on a monthly basis. I was told that I would still be charged interest, but that I would not have any late fees and that my account would not be reported as delinquent. I was also informed that I would still only be charged the {$25.00} or 5 % payment ( whichever was higher ) minimum payment once I was able to resume making payments. If I needed to continue utilizing the program, I was told to call back at least ten days before my payment was due in order to remain enrolled for subsequent months. 

I called back on XX/XX/2022 to enroll again and was informed that I could continue in the program. When I received my billing statement that month, I noticed that a late fee was charged and that I was being billed a past due amount. I called and spoke to another CSR who was unable to help explain what was happening and that I would have to call back later. Despite multiple attempts to get some more information and a resolution, I was unable to speak to anyone that was able to help me. I ended up filing a complaint with the XXXX XXXX XXXX as well as the Consumer Financial Protection Bureau in order to achieve some sort of resolution. 

I received responses from both of these complaints indicating that what I had initially been told was correct and that the late fee had been refunded. It was also reiterated that my minimum payment would only be 5 % of the balance when my payments resumed. Both of the responses indicated that I could continue to remain enrolled in the skip payments program as long as I called in monthly and spoke to a representative at least ten days before my due date. 

On XX/XX/2022, I called and requested an additional month of enrollment in the program. A CSR enrolled me in the program, read me the terms and conditions and informed me that I would need to call back in the next month to continue enrollment. When I received my statement this month, I again see that I have been charged a late fee and I still see that I am being charged past due amounts. My minimum payment is nearly three times what the 5 % payment should be. I have also been notified that Oportun has reported my account as 30 days delinquent on my credit report.
Product: Credit card or prepaid card

Hi, on XX/XX/XXXX i bought XXXX XXXX XXXX XXXX  XXXX 65-Inch 4K Ultra HD Smart OLED TV ( XX/XX/XXXX Model ). 

But I received the wrong tv from XXXX. it was 55 inch, so I returned it to XXXX and the delivery services came and confirmed and picked the tv back and returned it to XXXX and XXXX acknowledge on there website order details that return was received and the refund will be processed in 2 weeks. 

After 2 weeks no refund and i decided to contact XXXX and they said I sent the wrong tv but I told them i received the wrong tv and that's what I sent back and were unable to help me so I contact my bank. 

my bank Citibank opened dispute on XX/XX/XXXX and issued me conditional credit and on XX/XX/XXXX i received response from my bank that they received response from XXXX and they wanted proof that I returned it and I attached 4 pages of proof and Citi bank gave me conditional credit again and XX/XX/XXXX Citibank said they got response back from XXXX and will let me know in 10 days and then on XX/XX/XXXX they said they upload document for me to read. 

which said they can't help and closed the investion and to seek other means after 4 months. very disappited with citibank when i gave all the proofs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citcards CBNA is reporting unvalidated negative information on my credit profile to the three major credit bureaus ( XXXX, XXXX, & XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am the author, of this complaint. 

This complaint is specific - and, traceable. 

This complaint is about Equifax- and, their unwarranted data changes that have occurred on a Tradeline, when neither a dispute has been lodged nor- has the XXXX XXXX sent an updated file in YEARS. 

This is for XXXX XXXX Auto Specifically- but please know there are two accounts where Equifax changed the data. Data does not change on its own. However, the impact is demonstrative of what impacts to a consumer score. 

The Changes to this data, and done by Equifax- caused an immediate drop in scoring, Changes are visible from a before and after view of an account 1. The Date of the notification is XX/XX/XXXX 2. Please see the screen shot of the Alert/Notification from Equifax 3 . Please Also see the Scores before and then after ( in equifax ) 4. Equifax- removed the activity Designator 5. Previously was " Paid and Closed '' 6. Equifax erroneously added comments " Consumer Disputes- Reinvestigation In Progress '' 7. I have never disputed this account There are screen shots of Before ( f ) and after, there are also screen shots of the notifications. 

Please remove the false, misleading and inaccurate comments. 

Please put the Activity Designator BACK, to where it was. 

Or- please, verify the account, supply the source and method of verification, supply a new printed report and by usps.
Product: Credit reporting or other personal consumer reports

a large number of accounts are fraudulently posting on my credit, which i proved to be fraudulent resulting in other bureaus deleting the information. my information was exposed in a data breach
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

On XXXX XXXX XXXX charged me XXXX dollars on interest on purchase. It was used one time to pay for my XXXX which I almost had paid off until this. The overall purchase was XXXX dollars and now its almost back up to where I started.
Product: Credit reporting or other personal consumer reports

Hello I have called the company several times and also have written them a letter requesting them to remove the inaccurate late payments and to investigate further.
Product: Checking or savings account

Previously i opened several ira cds at Synchrony bank. Im in the process of transferring funds to open more with them. However, I just noticed their advertised IRA CD APYs have an asterisk that says " *This is the annual rate of return that you expect from your savings and investments during retirement. This calculation assumes a 010 % annual rate of return ( depending on your selection ) on your savings. '' Ive asked " what does that mean '' thru their secure message system after logging in and Ive been refused a written response. 

Please have them email me or secure message me and tell me what that means in writing. 

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

I disputed this on XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX and they didn't respond to me at all. I asked them to remove themselves off of my credit report. Since they didn't send me any validation. I wrote them letters and mailed to them ... and I guess they ignored me. 

XXXX XXXX is the same... they ignored me. They won't send me any validation to let me know if this is correct. I had to call them and I attached the TTY transcript, it showed that they promise to send me validation in the mail. 
I told them that the date of birth isn't mine. And I have never applied in Mississippi in XXXX to get credit card from them.