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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 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: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes to delete all inaccurate information on my credit report with experian. please review an delete the following information. this has been hurting my file for years. delete this items to fix my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit card

Attention lending team. I applied for chase credit card on XXXX and got denied, regardless of the reason for being denied I have the right to credit. Withholding my access to my securities is security fraud. You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. 

Equal Credit Opportunity Act -Denying me access to my credit is discrimination
Product: Credit reporting, credit repair services, or other personal consumer reports

I see things on my credit report I dont remember using
Product: Debt collection

I am a victim of identity theft and I am requesting for Affirm to delete and remove all fraudulent accounts opened in my name from its system. I have never had nor applied for any business with AFFIRM. Affirm has XXXX days to delete and remove these fraudulent accounts from its system or I will take legal actions against our company. I have attached a copy of my police report to this correspondence. 

I did not benefit from any goods or services of these fraudulent accounts. I am requesting for Affirm to delete and remove all my personal information from its system such my name, phone number, address and social security number.
Product: Checking or savings account

Bank of America had been charged me fee each 25 days instead of a month for about 8 years and had charged over many times
Product: Vehicle loan or lease

I called COAF to ask for a deferment on the month of XXXX 's car payment. I had also explained to them that I lost my job the same month and I won't be able to make my payment this month, but should be able to get it back on track next month. Capital One informed me that they are unable to offer any hardship assistance at anytime unless my account is already delinquent. So I was instructed to make my account delinquent by Capital One. I made a phone call today XX/XX/2024 at XXXX which is XXXX days pass my due date and I got told that capital one doesn't offer deferments but loan extensions. The operator asked me a series of question and then explained that it is system generated and I do not qualify for the loan extension. Now my credit is at risk because I was instructed to let my account become pass due to receive assistance that they now refuse to offer. I do have a 15 day grace period however, upon expiration of that I will be charged a late fee. It seems as though Capital One is looking to enrich themselves by instructing customers to become delinquent in order to receive help that they don't offer.
Product: Credit card or prepaid card

SSI deposits for my XXXX XXXX children, our soul income for the month of XXXX was deposited, & immediately fraudulent charges wiped out entire {$1500.00}. Fraudulent charges were swiftly reversed by merchant/ XXXX . 
Yet this direct express card has refused to reinburse me. So they just get to keep my childrens money!? 
DE has had me in a customer service horror story since XXXX! 
Representatives are rude, not helpful. I have screenshot proof of being on hold in excess of 4 hours Just trying to understand why they are holding up my reimbursement. 
My kids money is FDIC insured! XXXX reimbursed it- so what now? Direct Express is just allowed to keep our money as per Direct Express! They claim in there own rules they will provide a credit, if you are a victim of fraud then use XXXX & loop holes to not give any credit during a pandemic, and knowing I was facing homelessness over this. I can not afford to lose an entire months income. I was told I didn't qualify to get a credit because of the name of the person handling my case! Like I have any control over that. 
This happened on XX/XX/XXXX. Today after holding for an hour and fifteen minutes they say my claim is closed & they just decided I'm not getting my money back because of too much different information! Oh & they sent a letter, that I never received. 
XXXX- how can they steal my children XXXX money! 
All the information I provided was true & I thought could be helpful to find out how exactly my directvexptrss MasterCard numbers got frauded in the first place. 
I never lost my card. I did nothing wrong. 
Now me and my children are the victims of both credit card fraud, eviction and direct express straight THEFT!
Product: Credit reporting or other personal consumer reports

My information with XXXX has been breached and here is the proof and the reuse to delete these accounts Consumer Portifolio Svc Account # XXXX {$13000.00} XXXX XXXX Account # XXXX {$710.00} XXXX Funding Account # XXXX {$690.00} Portfiolo Recovery Account # XXXX {$430.00} XXXX XXXX Account # XXXX {$2300.00} So please delete these accounts
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXXXXXX. This has cause me great XXXX, stress, and financial hardship.
Product: Vehicle loan or lease

I am being charged 12.14 % APR by the Navy Federal Credit Union despite being on XXXX XXXX and being stationed in Louisiana. I was under the impression that as an XXXX XXXX member via a state statute, I can not be charged over 6 % APR and am entitled to a refund of the charges taken past that percentage from the initial date of acquiring the loan to now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  To Whom it May Concern : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes.

XXXX/XXXX  Inquiry from XX/XX/XXXX Bank XXXX  Mort Inquiry from XX/XX/XXXX Misc. 
XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX Bank XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX   Inquiry from XX/XX/XXXX Bank XXXX XXXX   Inquiry from XX/XX/XXXX Bank XXXX/XXXX   Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX 
XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX   XXXX. 
XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX XXXX XXXX, XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX 
XXXX/XXXX  Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXX {$290.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided proof that XXXX XXXX XXXX is reporting the wrong balance to my credit report. They have even sent me a letter providing my balance. XXXX is reporting false on my credit report. This is a violation
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted disputes with Experian, XXXX and XXXX : this issue has not been resolved. I have never opened a line of credit and a through investigation will prove that. There was an additional address and phone number listed on my credit report that I have never used and do not belong to me. Lines of credit were opened under my name and without my consent and my credit has suffered as a consequence. I am XXXX XXXX military and travel often, my social security number is listed on many military documents. It is for all these reasons that I have concluded that fraud has been committed through identity theft.
Product: Credit card

I received my credit report from XXXX and XXXX roughly in the same month of XXXX XXXX. 
My issuse is this ... ..as I compare the information on both reports I couldnt understand why XXXX XXXX failed to listed the original credit amount for this negative account. It is also clear that this account was opened XXXX XXXX and first reported XXXX XXXX. After calling XXXX XXXX to get a clearer understanding on my debt I was in formed that they had no record, dates or credit history. I was directed to another company that was not even on my reports. 
Ater contacting the Central Credit Service they to were unable to produce any verifiable documentation. This account was charged off according to XXXX and XXXX yet XXXX is claiming I have a past due amount. But again there was no documentation for me to agree with it. The balance amount was supposedly {$88.00} while the past due amount was {$76.00}. Im completely helpless in this situation. The damage that it has done to my credit score and my ability to establish other credit can not be undone. I do note recall recieving merchandise from MW at all. If I had this account since XXXX XXXX why dosent the account reflect the payments on it to project any positive reports. I have been affected by both XXXX XXXX and Central Credit Service long enough. If the account was mine all the had to do is forward me the bill and I we all would have saved time and money.
Product: Checking or savings account

On XX/XX/2024 I deposited a US Treasury check for {$16000.00} into my E*Trade ( Morgan Stanley ) Max-Rate checking account during normal business hours. The bank states that for US Treasury check deposits, {$5500.00} will be available on the 1st business day after the day of deposit. The remainder will be available on the 4th business day after the day of deposit. However, only {$220.00} was made available and I was informed that I would not have access to the remaining funds until XX/XX/2024. 
This is a bait and switch as I wouldnt have deposited the money into this account had I known the bank would arbitrarily change their hold times.
Product: Credit card or prepaid card

XXXX XXXX claims my wife XXXX made a {$60.00} clothing purchase on XX/XX/2018. We have no physical credit card but have had XXXX XXXX credit for nearly two decades. No statements were mailed to us prior to the first week of XX/XX/2018 after I called XXXX XXXX collection department and demanded explanation and a statement. It is worth noting that XXXX search uncovers numerous similar complaints as mine here. This is like a loan shark deal. My wife and I have the highest rated credit and never had issue shopping at XXXX XXXX for over 40 years! The only notification we had of this charge and outstanding bill were the sudden harassing robocalls we received the last couple weeks of XX/XX/XXXX. XXXX XXXX has taken this {$60.00} clothing charge and ballooned it to {$210.00}! They charge {$38.00} plus nearly 20 % interest ( nothing we ever agreed to or were aware of ) or monthly 2/3 the amount of this purchase. XXXX XXXX charges us double the item purchase in a three month period. This is usury and they have only threatened to increase these charges should we decide not to pay up, thus strong arming senior citizens. Calls to their collection department and attempts to be reasonable have failed. XXXX XXXX talks customers out of using their major credit cards to purposely bilk ridiculous monthly late fees and charge interest several times any going rate.
Product: Credit reporting or other personal consumer reports

Consumer Complaint Regarding TransUnion Consumer Reporting LLC Investigation - Report Number XXXX I am writing to file a formal complaint regarding the investigation conducted by TransUnion Consumer Reporting LLC, pertaining to dispute report number XXXX, concerning the tradeline from XXXXXXXX XXXX XXXX 

On XXXX XXXX, I received the results of the investigation conducted by TransUnion Consumer Reporting LLC regarding the accuracy of information contained within my credit report. The investigation was in response to my dispute regarding the accuracy of the balance reported on the tradeline from XXXX XXXX XXXX, account number XXXX, with a reported balance of {$1200.00} Upon review of the investigation results, it has come to my attention that the balance being reported to the consumer report is not accurate and does not align with the true balance owed on the tradeline. Attached herewith is the monthly statement between XXXX XXXX XXXX and myself, which clearly indicates a different and accurate balance owed. 

It is imperative that the information reported by TransUnion Consumer Reporting LLC accurately reflects my financial obligations. The inaccuracies in reporting have the potential to adversely affect my creditworthiness and financial standing, which is a direct violation of my federal consumer rights under the Privacy Act of 1974, 15 USC 1681b Permissible Purpose, and 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

I kindly request that the reported balance on the tradeline from XXXX XXXX XXXX, account number XXXX, be accurately corrected to reflect the true balance owed as per the attached documentation. Failure to do so will leave me no choice but to pursue legal action to rectify this matter and to ensure my rights are protected. 

Enclosed is my XXXXXXXX XXXX XXXX statement and TRANSUNION INVESTIGATION REPORT RESULTS. PLEASE REFER TO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX I have the right to demand and see the contract between XXXX XXXX  and myself! Please send the proper validation
Product: Credit reporting, credit repair services, or other personal consumer reports

Company didn't remove unauthorized/fraudulent hard inquiry from credit report like they stated. It's been months and it's still on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Idenity Theft Affidavit to report XXXX seperate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card accounts ; XXXX XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX XX/XX/XXXX in the amount of {$720.00} in account with XXXX XXXX XX/XX/XXXX in the amount of {$990.00}, XXXX XXXX XX/XX/XXXX in the amount of {$1900.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the afroementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Student loan

I XXXX from XXXX college in Washington DC in 2009. I received my student loan from XXXX but sold to navient. I am having problem refinancing the loan. I can not even get the XXXX for my taxes. I do n't understand what type of student loan is that.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX XXXX XXXX XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Mortgage

Trying to apply for an XXXX  through XXXX XXXX XXXX, my current mortgage company and they are requesting things that are not required under the XXXX programs for Vetran. Shouldn't financial institutions be required to follow the guidelines set down by VA? In order to be able to offer these type of loan?
Product: Credit reporting or other personal consumer reports

Im positive I always pay on time, but I dont understand why this company has reported late payments for certain months. By law ( USC 1666b ), billing errors must be fixed, and the account should be marked as " paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification on XX/XX/2018 from XXXX & XXXX is still investigating, and inaccurate reporting of bankruptcy discharge in the file they maintain under my social security number. The documents I received from these agencies list its " method of verification '' from XXXX or XXXX XXXX. I have attached a recent letter from XXXX XXXX reporting the inaccurate bankruptcy has been removed from the files they maintain under my social security number. I have requested from both their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

Both are operating in bad faith which is an additional violation of FCRA 611 ( 5 ) ( A ).

According to 15 U.S.C. 1681 Fair Credit Reporting Act Section 602 ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy.
Product: Credit reporting or other personal consumer reports

I've noticed unfamiliar items on my credit report that appear to be the result of identity theft, as I did not authorize these accounts. I have previously discussed this issue and now urgently request the removal of these accounts from my report. Their presence is causing me significant stress and does not accurately reflect my financial history or responsible money management. If we can not resolve this matter promptly, I am prepared to pursue legal action to protect my rights and seek a resolution. These inaccuracies are hindering my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, TD AUTO FINANCE add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written author ization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.