23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I contacted Navy Federal regarding fraudulent charges in XXXX of my accounts initially and only approved pre XXXX who was assisting me that that card be shut down ; when referring to XXXX other charges in XXXX other accounts and telling the associate NOT to shut the card down due to the fact it was tied to major accounts she was silent and when I said hello she said I shut it down it was without my consent, she violated Navy Federal policies by not reading me any disclaimer on the charges inner inquiring about on the second account and wax sarcastic with me in the phone I requested a supervisor and stated it as a XXXX minute hold this is unacceptable mismanagement of customers accounts and poor customer service; and had left me in an posture of not having any cards on a holiday to obtain food for my family, gas or other needs as a XXXX XXXX individual. Per supervisor XXXX XXXX did not file a fraud claim before she shut my card she herself filed it at XXXX pm on XX/XX/XXXX so my card on the second account was shut down without merit. Per XXXX there is no documentation for me to submit since it is fraud unlike a dispute where documentation would need to be submitted. The XXXX XXXX has put me in a position of having my rent payment to decline with them shutting down my XXXX account without permission. Oops should be on both my accounts this has been an issue with it being removed on the past. They offered me a digital card which did not allow me to get gas, get food and in jeopardy of eviction due to the second card.
Product: Credit reporting or other personal consumer reports

I have previously disputed XXXX XXXX XXXX / Reference # XXXX with XXXX, Equifax, and XXXX and in response they verified the item as accurate stating that have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to make a purchase at Best Buy on XXXX XXXX. I was told my credit card that my husband had with me as an authorized user had been closed. I called my husband and my husband told this employee that his information was incorrect because he just made a purchase in the store a few days prior. Employee at Best Buy assured my husband he would help look into this issue. I was asked to enter a 6 digit number into this computer base. I did so because the employee assured me he was double checking with the credit card company. He acted nervous and finally handed me a 800 number with a pamphlet and told me to call to get this matter fixed. I found out by calling that this guy tried to set up another credit card which I did Not want or need. I contacted the store manager and got no help but sorry it's not under his control.I immediately contacted Citibank by phone and was told it was an XXXX  issue. I contacted XXXX and made several complaints. I still the hard inquiry is on my credit. 
I strongly feel this was fraud. I also immediately put a freeze on my accounts.the latest call to XXXX was on XXXX XXXX and made another dispute. 
The confirmation number from this latest call is XXXX. The last letter I received from XXXX  was XX/XX/2020 stating that my initial fraud alert has been placed with the XX/XX/XXXXfor 1 year. I have Not gotten anything in the mail from XX/XX/XXXXregarding this issue. They have failed to rectify the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX 8 times of the past few months. The month they reported I was late is not correct. The account was setup the month prior at the last payment. I knowingly changed it to auto pay as I had XXXX the following up and did not want to worry about missing a payment. I check my credit and they reported it being late. Furthermore they stated the account is reported on the XXXX, the XXXX at midnight. I checked the account again and they have failed to report the correct balance. This has gone on for several months and I can not express how frustrated I am. I am a XXXX vet with a very tight budget. I had a few heath issue arise and used them to boost my credit. They are trying to hurt my credit! I have plans on purchasing a new house and land the first of the year and now they have hindered my ability to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  IS REPORTING A {$35.00} BALANCE AS A PAST DUE 30 PAYMENT
Product: Debt collection

On XX/XX/2021, I sent a letter stating that I am not refusing to pay the debt but requesting a validation but they just sent me a simple statement from XXXX. I kept on asking for validation but I got nothing but bills and statements. Attached is all the correspondence.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had multiple late payments on an account that I was never late for. The 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 accounts that I have included screenshot inside this complaint in on dates of [ Mo/yr ]. 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 paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Student loan

Our situation is a little different than the typical " student '' debt situation. My husband graduated in XXXX of XXXX with his XXXX in XXXX XXXX. He then started to take his licensing tests. Unfortunately he was unable to pass the test. He would then re-take it a total of 6 times. New federal regulations with FSBPT came in to affect on XX/XX/XXXX which would put a lifetime limit of his testing. Therefore, he will never be a physical therapist. Even after attempts of appealing, speaking with lawyers, and our senator who is helping us in this area. My husband makes XXXX $ XXXX. The XXXX other people who have co-signed are in completely different financial situations then when they first signed years ago. The economy has changed drastically. We have been handicapped for any re-payments. Over the years we have spoke to several loan departments who wanta ridiculous amount of money up front or in huge amounts. We rent a small home, have XXXX children who share XXXX bedroom, no insurance and lots of debt. The private student loans are from a few different lenders who have now gone into collections and lawsuits : XXXX XXXX Bank XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amounts are as follows : {$59000.00} {$54000.00} {$18000.00} Federal student loans are {$270000.00} which are in an XXXX of {$200.00} a month. Still difficult for us but what are we suppose to do? We are in {$400000.00} of student debt!!! With nothing to show for it because of federal laws that limited the amount of time someone can test. When he missed by minimal points! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a police report for fraud accounts and fraud addresses, appearing on all three credit reporting agencies. XXXX and XXXX removed all the fraud accounts and addresses but Equifax still showing all the fraud accounts and addresses on my credit report.
Product: Debt collection

I have sent affirm my police report number, a copy of my identity theft report to the ftc, as well as a letter requesting they remove the debt resulting from identity theft. I have requested 8 times in writing that affirm remove this unauthorized debt and report it as such to the credit bureau but they have refused to cooperate with me. XXXX has also refused to blame ck this information
Product: Credit reporting, credit repair services, or other personal consumer reports

I was intimated by XXXX that my credit score was downgraded 27 points. This was in the same month that I have successfully paid off my mortgage without a single delinquency. I called all three credit bureaus to no success, no one could tell me why and from where the deliquency was reported.

I called FICO who charged me {$59.00} just to see my report which they said they couldnt comment on till they saw it. They have promised to reverse the charges but I dont have that just yet. All this was on XX/XX/XXXX and XX/XX/XXXX. 

I finally found out that a delinquency already reported in 2017 was again reported this month thereby dropping my score by 27 points. This is extreme carelessness and this is on a account that is CLOSED. 

Everyone is making me run around in circles to figure out who will fix this. XXXX that originally started this drama over {$8.00}, wont talk to me because the account is closed.
Product: Debt collection

After I filed the initial dispute of debt on XX/XX/XXXX, regarding a medical debt from XX/XX/XXXX, North American Credit Services ( NACS ) never acknowledged my request. On XX/XX/XXXX, I called the number on the billing statement from XXXX XXXX ( XXXX ). The customer service representative ( XXXX ) said the matter would be looked into since the XX/XX/XXXX medical bill was in fact on a payment plan and being paid as agreed. On XX/XX/XXXX, I again called the billing number ( XXXX ) to speak with another XXXX who again confirmed the debt collector would stop. I am still receiving contact from NACS so I again called Advent billing again on XX/XX/XXXX ( XXXX ) to again be told my account is in good standing and no collection agency is needed and the debt would be pulled back. Still receiving NACS letters so I call XXXX Billing again on XX/XX/XXXX ( XXXX ). This XXXX was proactive and contacted her XXXX. She confirmed my my XXXX XXXX XXXX is in good standing, paying as agreed, and NACS collection would stop. On XX/XX/XXXX, I receive yet another NACS letter stating they are sending my account to legal. I am still paying the account balance, every month as agreed, to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have some student loans that is inaccurate. I submitted a dispute for them with Experian The 5 student loans I disputed should be showed as closed not opened.

If can't verify the accounts is accurate I want them changed to closed.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 a collections account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX with a balance of {$520.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2023 Equifax received my request for a reinvention, on XXXX 2023 Equifax replied stating the the account in question was verified. How can that be when I provided them with proof from the Bankruptcy court that the case number was INVALID. Equifax violated the FCRA 15 U.S.C. 1681e ( b ), Equifax failed to maintain maximum accuracy and failed to do a proper investigation. The account listed below still remains on my credit report even though I provided proof from the court that supports my claim, I have also provided proof showing that Equifax did not conduct a proper investigation. Please delete the following account from my credit file as it is inaccurate. I have enclosed PROOF from XXXX that this Bankruptcy was Unverifiable, as well as proof from the court, Therefore the following Bankruptcy must be deleted : XXXX Bankruptcy/ Reference XXXX. 

ATTACHMENTS
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements + under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX XXXX financial loss, and I seek appropriate redress for these violations.
Product: Consumer Loan

I was unemployed for 4 weeks and got behind in payments the first month. I fully intend to repay the {$800.00} loan for dental services. Yet they continually call 5-10 times a day, send letters, and emails. I can not repay the loan if Synchrony Financial continually harasses me while working. I will lose my new job and will not be able to make the payments. I can not make the payments, if Synchrony Financial continually harasses me at work, I will lose employment.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX Dear Transunion, XX/XX/XXXX I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX account from XXXX XXXX with account # XXXX and a balance of {$1600.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$130.00}. The original creditor is XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX account from XXXX XXXX with account # XXXX and a balance of {$1300.00}. The original creditor is XXXX XXXX XXXX 

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX account from XXXX XXXX with account # XXXX and a balance of {$510.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX account from XXXX with account # XXXX and a balance of {$3000.00}. The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
XXXX from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my anxiety with respect to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be completely researched. Regardless of my endeavors, I still can't seem to get any goal or remedial activity. These wrong records are seriously harming my credit document and impeding my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused huge difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is happening straightaway. I mercifully demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the exactness and uprightness of my credit record so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue expeditiously would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife has tried to obtain her credit report several times in different circumstances. Each time, some automated system asks her bizarre questions that have no correct answers and seem unrelated to her records. 

Equifax has a long, slow process involving mailing in a form with a bunch of identity info to try to get a copy of the credit report. But it's too late -- we'll miss being able to buy a home due to the long delay that is starting. 

Why is Equifax allowed to continue to operate when they both lose our data due to terrible security policies, and then fill our records with incorrect info with no fast way to remedy? 

This company should be shut down. The remedies in place after the huge hack years ago haven't helped at all -- it's still a bizarre troll that should be illegal.
Product: Credit reporting or other personal consumer reports

This account was opened XXXX XXXX. There are over a year of payments not accounted for that are all positive. Payment history is different on all three credit reporting companies. Per Fair Debt Collection Practices Act, Pennsylvania Fair Debt collection Practices, Fair Credit Extension Uniformity Act. 
It is the responsibility of the Credit reporting companies to report accurate and correct information. 

I have attached copies of my credit reports for all companies. Please correct or delete this account. 

I requested verification of payments from Discover they have yet to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX ... XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts, has violated my rights and inquiries were not made on my behalf. 

Capital OneXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.
Product: Vehicle loan or lease

I have purchased a used vehicle from a car lot that I shortly ( the next day ) experience a dishonest practice that left us out of pocket for {$500.00} in a car repair shop, lie about the car ever been reported to be in an accident, and the list goes on from there. 

Never the less, my issue today stems from the bank ( XXXX XXXX ) the dealer used to approved me at a time when I had XXXX credit. 
While I welcome the bank approval to purchased my vehicle, XXXX years into making payments on time ( $ XXXX monthly, on a {$18000.00} loan ), the loan in my opinion, is moving at a XXXX XXXX XXXX, currently owning just over XXXX XXXXXXXX. 

While I get that since back when I apply for the loan, I had not credit and the interest on the loan was extremely high, I have call and ask multiple times to understand why in the last XXXX years, the monthly principal has not moved from XXXX XXXXXXXX. I have also call to ask for refinance now that my credit score shows a high increase, but no refinance is offer. I have call and asked advised on how to make progress on lowering this amount, but the explanations are vague and do not provide any meaningful results. 

In short, based on my experience with the dealer who sold us the vehicle, I just cant help to feel distrustfull with the whole experience and I'm sorry to say this. 

I need a third party to oversee this loan and a senior advisor from the bank to offer better clarification as to to we can mediate this situation as I can not continue to pay XXXX XXXX monthly without seeing any result for a vehicle that every other month has mechanical issue stemming from the dealer cover up of used ( claim the vehicle was used by a private owner, when in fact, we found out, it was commercially leased by a delivery company ).