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

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The inquiry listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau Experian, to do a Verification on everything on my credit report and they stated everything was accurate and I did a thorough research myself and found improper inaccuracies on the credit report even after they did a thorough research. In accordance with the Fair Credit Reporting Act All the accounts I have listed below have 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. XXXX XXXX Account XXXX XXXX Account XXXX XXXX  XXXX Account XXXX XXXX  Account XXXX
Product: Student loan

Hi, my name is XXXX XXXX and I want to file a complaint concerning the day I was bullied by my " loan servicer '' & company on XXXX/XXXX/XXXX. On this day, a few days after I was asked what I would do if my family 's wages got garnished because of my inability to pay them, I told them that I could only pay them {$70.00} and that I was willing to pay that amount to them per month. Navient said that {$70.00} was n't an option and that I would either have to set up a monthly payment amount of {$130.00} from that day forward or pay {$200.00} to keep my loan out of pre-default. I pleaded to them that I was only interested in choosing a payment amount that I could maintain monthly, and not revert within months. ( Years earlier I was goaded into aceepting a payment plan with an outrageously large price point in regards to my income ). They said this was the best they could do for me. When I told them that I was only able pay {$70.00} they told me no because it would n't be enough to match their price point and hung up on me. I actually had to call THEM back just to pay them. 

My aunt, who consigned this loan, told me to mail it in to them but I was afraid that it would n't make it to them in time ( because they only count payments on the day it went through, not when it 's dated ), and that they would move my loan to pre-default status. So I called my aunt to explain the current situation with Navient. After the call, she sent me the following text : " XXXX '' This took an XXXX on me, forcing me to pull money from my other responsibilities to keep the loan out of " pre-default. '' So I called back and paid the extra {$130.00} with money that I had designated for other bills. This brought the final total to {$200.00} when I actually only had {$70.00}. To this date, we have not resolved this issue. I have had several other experiences with Navient that are similar to this one throughout my business with them, dating back to XXXX.
Product: Credit card

I filed a chapter XXXX bankruptcy and it was discharged in 2010. Syncb/Care Credit was included in that bankruptcy and they are still continuing to update and report damaging my credit. By law they can not continue to report and damage someones credit after a discharged bankruptcy.
Product: Debt collection

This XXXX loan ended up on my credit report and I never borrowed from them Opened XX/XX/2024 And placed for collection stating I owe XXXX dollars.
Product: Debt collection

I was notified by XXXX XXXX that a collection from Portfolio Recovery attempting to collect {$3100.00}. I received the information and the original creditor is listed as XXXXXXXX XXXX XXXX XXXXXXXX Ive never had an account with either company. I filed a dispute with XXXX XXXX on XXXXXXXX  and received a completed investigation on XXXX. An email of the dispute said investigation was completed previously and the data furnisher verified the information on your credit file. 
There is no additional information that helps me understand where this account is coming from or the date that it was opened. Ive tried to reach both companies with no response. This is causing a hardship to my credit score and future life plans.
Product: Checking or savings account

While using the Robinhood stock trading app, I encountered an issue due to its unclear user interface design. The app failed to prominently display or provide clear options for a Limit Order on the initial purchase screen. As a result, I was misled into selecting a Market Order instead. This lack of clarity directly caused me to unknowingly execute a trade at a higher-than-expected price, leading to financial losses.
Product: Credit reporting or other personal consumer reports

I have no connection to the listed creditor, and this inquiry is not mine. Please remove the inquiry from my report. Thank you! 

XXXX  - Date of inquiry : XX/XX/XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX
Product: Credit card or prepaid card

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX XXXX {$3100.00} Date Opened XX/XX/XXXX XXXX/DEPT OF ED {$31000.00} Date Opened XX/XX/XXXX XXXX XXXX  XXXX XXXX {$10000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$8700.00} Date Opened XX/XX/XXXX Inquiries XXXX  ( Finance ) XX/XX/XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX
Product: Credit card

Terrible customer service. I was charged an annual fee when I never authorized or used the card. I called and spoke to XXXX XXXX XXXX customer service four times over four months. Each time, they said that they would waive the {$99.00} annual fee and cancel the card ( per my request ) and never did. When I couldn't resolve with the issue with customer service, I sent emails and certified letters to the Barclay Bank CEO, XXXX XXXX and the Head of XXXX XXXX XXXX, XXXX XXXX. Both have not gotten back. 

Stay away from this card and Barclay Bank.
Product: Mortgage

Me and my wife was approved for a XXXX loan with 5th 3rd bank on XX/XX/2021. After that we was on a house hunt that lasted until XX/XX/XXXX, we submitted our offer and the owners accepted the offer. After that we scheduled an inspection. The inspector came out Monday XX/XX/XXXX we paid him for his work. We also gave a check for the XXXX money deposit to the title company that same day. Between the dates of XX/XX/XXXX and XX/XX/XXXX we filled out a lot of paperwork and paid an XXXX fee for {$390.00}. XX/XX/XXXX we received a appraisal for the home. Our close date was XX/XX/XXXX. We did everything we was asked to do, I got a quote from the insurance company, we gave bank statements multiple times, filled out more paperwork. We gave all they needed but it was always more that they forgot that we needed. So we missed the first closing date. Next date XX/XX/XXXX, had to pay all taxes on current home I own out right, for some reason, but I did that as well. Had to submit multiple letters of explanation, did all of that as well. We did everything they needed everything. Now today I get a call saying they cant do anything for me because I was given a loan to fix my primary home from XXXX a government company. I live in zip code XXXX that area was in a state of emergency XX/XX/2021 due to floods this year my basement flooded almost to the second floor. Needless to say the home was heavily damaged and needed serious repair. I fixed the house with money we had for savings to buy us a new home in the future. When I found out about the sba loan we applied and was immediately accepted once they seen the home. That money was to replace some of the money we lost in savings. Due to the Sensitive nature of the situation this should not be something that hold us back in this loan process. It took them until XX/XX/2021 to tell me this. Communication was non-existence. They have been going over this paperwork multiple times and it was even audited. I can not understand how everything was good but now its not. This company is by far the worst I have ever dealt with. The online reviews of this company says it all. 1 star out of 5, what a joke. The attach files is the reason that I am not able to get the FHA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been demanding that Experian remove these disputed tradelines for over 18 months now. I've mailed multiple disputes and filed CFPB complaint # XXXX. I've requested a full disclosure pursuant to Fair Credit Reporting Act 609 for the entire consumer file in their possession that contains my name. 

Experian has FAILED OR REFUSED to investigate and provide me with results within 30 days. 
Experian has FAILED OR REFUSED to provide me with the entire consumer file. 
Experian has FAILED OR REFUSED to permanently DELETE tradelines of companies that DO NOT EXIST. I have provided proof of documentation through my CFPB complaints and my dispute letters showing that the companies that they claim furnished information to them DO NOT EXIST in my state or the states they claim they are in. 

XXXX has permanently DELETED the accounts I've disputed because they were not able to verify and validate the tradelines. If XXXX can not verify AND validate these accounts, how can EXPERIAN possibly verify and validate the tradelines? 

It is my belief that Experian is committing fraud, identity theft, and using deceptive trade practices to continue to defame my character, prevent me from accessing credit in violation of the Equal Access to Credit Opportunity Act. I am being damaged daily by Experian refusing to delete the following accounts, which are not registered to do business in the state of Utah which means I can not serve them with notice of intent to file a lawsuit, and they can not do business here : 1. XXXX XXXX  XXXX 2. XXXX XXXX 3. XXXX 4 . XXXX XXXX XXXX 5. XXXX XXXX XXXX It appears that Experian has a vested financial interest in continuing to report these fraudulent tradelines and refusing to send me a copy of the entire consumer file concerning me, which will show that they do not have the proper documentation required by law to reporting this information. 
I HAVE NOT GIVEN EXPERIAN PERMISSION TO REPORT, COMPILE, OR APPROPRIATE MY NAME AND LIKENESS and PRIVATE FINANCIAL MATTERS. THIS IS AGGRAVATED IDENTITY THEFT BY EXPERIAN. 
I demand that they immediately delete the information! 

I have attached proof that XXXX has deleted the tradelines.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXXXXXX Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( D ) ( 7 ) I kindly request that you block this negative information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts, insert your accounts you want deleted here Creditor : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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: Checking or savings account

A company named XXXX XXXX successfully submitted a fake check to my bank written on my checking account, which they cashed. The company is from XXXX XXXX FL. The check looked nothing like my other checks and was a completely different sequence number. My name was also spelled wrong on the check! The bank was Wells Fargo. I can not believe they cashed it.
Product: Student loan

No money going to principle.Adjustable interest changing all the time and high monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute this closed account with XXXX balance, because they are reporting with late payment. As far as I know it is illegal. I need a quick resolution for this. 

Account Name : XXXX Account XXXX : XXXX
Product: Checking or savings account

On XXXX XXXX, Chime without Notice nor Explanation stole over {$36000.00} from my Savings account and closed my Account, I immediately contacted them, they continue to give me and my wife the run around via email and phone. 
I tried explaining to them that I linked a XXXX card to my Chime Account so that I could have access to my account, until my permanent Debit and Credit Builder Card arrives, I'm a tXXXX XXXX and only card I have is the XXXX card I just activated same day ( XX/XX/23 ). They claim, I went against there Direct Deposit Agreement olicy Agreement, because I moved all my money to my Savings, I moved my Money because I didn't want unauthorized merchants or people gaining access to my Chime Account. 
I've given Chime everything but a XXXX XXXX XXXX XXXX  to prove I'm XXXX XXXX, as well XXXX XXXXXXXX Bank Statements and my Boss XXXX XXXX ( XXXX XXXX ) to Verify Wages, Deposits and Employment. Yes I'm reporting theft of my Money, because Locked me out of Access to my Chime Account, and other people Complain Chime has done this to them, As a resolution, I want chime to Refund all of my Money with in 14 days. And I promise to XXXX to never do business with there Financial Establishment again. This has caused confusion in my home and a burden on me, I have Rent, Bills, XXXX children I'm paying Child support for, I've Used Chime over XXXX years, for them to press a button and Wipe all I saved is Wrong Proof I'm the owner of XXXX XXXX  card picture submitted
Product: Debt collection

I saw on my credit report that enhanced recovery company had reported a debt on behalf of XXXX XXXX. I researched the company through the secretary of state and the internet to find to an address to send a certified debt verification letter as I know nothing about this debt. I sent a letter based of the same consistent address I received from from the company 's website and the secretary of state website. However, I received the letter back OPENED and marked undeliverable. I have yet to hear anything from the company, the debt still has not been verified, and it has not been removed from my credit report.
Product: Payday loan, title loan, or personal loan

My account charged off in error. Even after me making payments. 

I called in on XX/XX/XXXX two times, XXXX, XX/XX/XXXX, XX/XX/XXXX, and now twice on XX/XX/XXXX. I spoke to several people who informed me not to worry my account would be corrected and I would not be adversely affected. Today Lending Club reported to the credit agency 's that I have a charged off account which has made my score drop approximately 100 points. I think this beyond unfair to me as a consumer. I was reassured on several conversations with their company that this would not happen. 

I reviewed the documents sent to me for the loan and it does not mention anything about charge period being expedited. 

I called in on XX/XX/XXXX and made a payment via phone in which the rep told me she would set me up auto payments. Asked for a supervisor to call me. 

Called in on XX/XX/XXXX payment did not come out of my account because it was removed and still in a charge off status. I told them I would be happy to make my payment when this problem has been corrected. Asked for a supervisor to call me. 

XX/XX/XXXX still no resolution. No supervisor has called me since my request on XXXX. Every time I call I am told someone will call me but that never happens.
Product: Credit reporting

I was an authorized user on XXXX my father 's accounts but have not been for a while now. The credit card companies have removed me from these accounts yet they still continue to show on my credit report! How do I remove them from my credit reports? The accounts are XXXX XXXX and XXXX. Also my father 's name which is similar to mine shows on my credit report along with his home address. Why is this and can it be removed?
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my personal Credit Bureau Report from Equifax I noticed a few addresses associated with me that are not correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help .... 

There is incorrect information on my credit file. Please assist me in removing this inaccurate Information. 

there are incorrect name spellings on my XXXX credit file ; XXXX  and XXXX ; also XXXX, XXXX XXXX there are several inaccurate addresses ; XXXX XXXX and XXXX XXXX XXXX I was never 30 days late on the following accounts in XXXX & XX/XX/XXXX ; XX/XX/XXXX ; XXXX & XX/XX/XXXX for the XXXX XXXX I was never 30, 60, or 90 days late on the following accounts in XX/XX/XXXX, XX/XX/XXXX, XXXX & XX/XX/XXXX, XXXX ; XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX for the XXXX XXXX. 

The XXXX  XXXX account do not belong to me and it is reporting on my XXXX & XXXX ; Bal : XXXX Please remove unauthorized inquiries : XXXX XXXX - 4 Times XXXX XXXX - 2 Times 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

In accordance with The Fair Credit Repoering Act, everything needs to be 100 % accurrate on my credit report. 

The credit bureaus stated everything was properly investigated, but how is that possible if the open dates are inaccurate, and. the last reported is inacurrate? This is ground for removal. They also violated my rights under. 

15 U.S.C 1681 section 602 A states I have the right to privacy 15U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish a account withgout my written instruction Also, the credit bureaus took more than 30 days took more than 30 dsays to complete my investigation. Here is the certified tracking # XXXX I have submitted a complaint with the XXXX. I have submitted a complaint with the Attorney General 's office and theese collection agencies are violating my rights.