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

Inquiry from XX/XX/2021 Bankcard Comenitycapital/XXXX I was out of the country for 20 days, I came back in XX/XX/XXXX and today XX/XX/XXXX I get a notification in my credit report as a new inquiry in XXXX 

I called the bank and they dont have any history with my SSN, so someone is using my SSN and made this. 

I need to clean this inquiry, Im growing up my credit score, Im really upset and at the same time Im worried
Product: Debt collection

Please remove this fraudulent unauthorized account from my credit report. I've never lived at the address attached to this account. This false account have caused me to be denied credit on multiple occasions. You have failed to validate this debt and also have failed to remove this account from credit report. My next step is to file suit on all parties involved for damages as well as defamation of character. This is my final time demanding this fraudulent account be removed from my credit report. I am a victim of identity theft.
Product: Money transfer, virtual currency, or money service

Received payment from client on cashapp and wanted to withdraw to bank money went to wrong bank tried to contact cashapp to rectify this and didnt receive response
Product: Credit card or prepaid card

I paid my low balance XX/XX/2021 under {$200.00} and had remaining credit available on my account, when I tried to use the credit available they closed my account without any notification is account was paid on time.
Product: Debt collection

American Express, through its Collection Agent, XXXX XXXX claimed to have agreed to a resolution of a disputed debt. When asked for written confirmation of the arrangement, XXXX initially claimed a letter memorializing the arrangement was mailed. One week later the promised letter never arrived. XXXX refused to email or fax confirmation of this arrangement and then advised that unless a payment was made ( despite still refusing to confirm anything in writing ) American Express would " recall '' their file. 

Every effort was made to assist XXXX in confirming the arrangement in writing. An email initiated to XXXX memorializing the terms was not responded to. XXXX 's refusal to confirm terms of the arrangement are highly problematic.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Someone used my SSN to apply for multiple XXXX  XXXX XXXX XXXX XXXX. Thankfully the accounts were not open but they are reflecting hard inquires on my credit history.
Product: Debt collection

LVNV FUNDING HAS FAILED TO CORRECTLY VALIDATE THIS DEBT. Attack is my last validation request before further action is taken!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I submitted an investigation results to all XXXX credit bureaus regarding late payments reporting on my both my XXXX XXXX account and XXXX XXXX. These late payments are reporting in error and creating financial hardship. I never heard from the credit bureaus. I resubmitted my complaint again on XX/XX/XXXX by mail after calling them only to find out nothing had been done. I called them again on XX/XX/2023. The credit bureaus have no interest in assisting consumers and refuse to investigate. If you get someone on the phone within a half hour you are lucky and those that take the calls simply tell you to resubmit as there is no change. I attempted to get a supervisor or XXXX on the phone and was left on hold and then disconnected. The above happened with all XXXX of the credit bureaus. The bottom line is that I was not late paying my accounts and want both XXXX XXXX and XXXX XXXX corrected immediately. Thank you
Product: Payday loan, title loan, or personal loan

Company is XXXX XXXX. Account number is XXXX. 
XXXX on vehicle ended XX/XX/2021. I sent a check for {$31000.00} to XXXX XXXX to buy the car. They cashed the check XX/XX/XXXX. I have yet to receive the title. Have called numerous times, and been told they have not received the needed signed bill of sale and odometer statement. I have sent these documents now at least five different times, via fax, email, and certified US Mail. I have received email confirmations from them that they received the documents, or fax confirmation, or USPS proof of delivery. They continue to tell me they never received any of the documents, which is obviously false. 
They need to either send me the title immediately, or refund my money and take the car back. 
They are maddening to deal with. 
I hope you can help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a 2 payment deferment for and automobile account I have Wells Fargo Dealer Services. The request was made XXXX XXXX and the deferment was approved. Wells Fargo reported the deferred payments delinquent to 3 three credit Bureaus XXXX, XXXX, & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX is showing in my XXXX report as it is a recent charge off, lowering my score as if I have missed payments on it as recently as a few months ago. 

However this account was actually closed on XX/XX/2014. Theres is no activity on it for years. It is settled and paid a long, long time ago. 

If anything, this account shouldnt be on my report anymore at all, but certainly not displaying as if I have recent missed payments or negative activity. 

The other two credit bureaus dont have this issue, only Equifax.
Product: Credit card or prepaid card

I want to file a complaint against Citibank MasterCard regarding the application of my payment. They received my payment on the XXXX of XXXX for {$600.00}, cleared my bank next day. On Friday XXXX, the payment still had not been applied. I asked how long, did not get an answer. I asked for a supervisor. Supervisor stated, AND I XXXX " the reason they are waiting to apply it is because you were late once in a payment ''XXXX XXXX They confirmed they received it, yet are, waiting to apply because I was late years ago, ONCE IN 15 YEARS??? This is not right! They are purposely holding the payment to charge more interest which is illegal. Another example, last month same issue. I made my payment the same time of the month last month, yet it was not applied until the first of the following month, NEARLY 2 WEEKS LATER!!! Something needs to be done about this! This is not fair or legal! Id understand if the payment was late, but it was actually EARLY! They are punishing me, and most likely others, with the assinign excuse that I was late on ONE PAYMENT IN 15 YEARS!! THIS IS XXXX!!
Product: Money transfer, virtual currency, or money service

Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit card or prepaid card

XX/XX/2019 a hard inquiry was made in my name by a credit card company that I didnt authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block the items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Interest capitalization events occurred on the 10 loans serviced by Mohela on XX/XX/year>XXXX  and XX/XX/year>. These loans are in an administrative forbearance due to court issued injunctions. {$12000.00} in interest was incorrectly capitalizied on my account causing balances to increase. Please correct this.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I opened an account in XXXX they closed it two weeks later and have not given me the XXXX in my savings only the money from checking was returned. They continue to tell me I have to do a harmless bank to bank transfer that they wont initiate nor will peoples initiate because peoples said they cashed the check and received the money after calling fraud, and I cant initiate. They have held up our money over 3 months know and recently sent a statement with a XXXX balance. You are the ones regulating them yet have done nothing to settle this and help us get our money back.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, I am writing to inform you that I am a victim of a data breach or fraudulent information, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( XXXX ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts and incorrect address appearing on my credit report.
Product: Credit card or prepaid card

On XX/XX/2018, I placed an order for a book on XXXX XXXXInitially the book was not delivered. However, it was later found and delivered. At which time I realized that it was the wrong book. In such case, the book was sent back and received by XXXX. The problem so far has been about receiving back the prize that was paid for the book. I paid the sum of {$120.00} for the book and it was charged to my XXXX credit card. However, after having returned the book. My account was credited with only {$16.00}. Leaving my account short {$100.00}. After having contacted XXXX about the discrepancy, I feel I am being given the run around. I received a reply e-mail that states that it would take sixty days to investigate something so obvious. In such case, I called their customer service and I was told it was an issue with XXXX not the bank. However, from my perspective as their customers it makes no difference to me. Plus the purchase was paid for with an XXXX credit card.
Product: Credit reporting or other personal consumer reports

Request for verification of certain accounts has been asked for and no such verification has been received. Incorrect information on credit report has been as well, with no luck.
Product: Checking or savings account

Due to fraud at the end of XXXX, my account ending in XXXX was frozen per bank and a new checking account was opened ending in XXXX. I had set up bill pay from the frozen account and they kept trying to pay a loan out of this account. All of the checks and EFTs were returned by the lender for NSF, but one. The lender claims they do not have this money. When I checked the supposedly " frozen '' account this am it was unfrozen with a negative balance of the disputed amount. 

I have spent over 30 hours on the phone with this bank and also the lending bank, as well as three in-person interviews with a branch manager, to no avail. 

I am expecting a refund check from the IRS which will be deposited to this account. ( My taxes were filed before the fraud attempt ) That will result in my check being shorted by the disputed amount. Bank of America did not have my permission to make any of these changes, The lender ( XXXX XXXX XXXX XXXX ) does not have the payment, and I am unable to resolve this on my own. 

I am an XXXX XXXX XXXX woman living on social security, and this bank is stressing me beyond my ability to tolerate it. Please help.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 an XXXX transaction was deducted from my XXXX  XXXX XXXX account in the amount of {$3600.00}. On XX/XX/2023 I saw this transaction and contacted XXXX to let them know that fraud had taken place.
Product: Credit reporting or other personal consumer reports

I want Experian to delete old/inaccurate information from my credit report. 

Experian Delete Old Names XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX Delete Old Other Address XXXX XXXX XXXX XXXX XXXX KY, XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX KY, XXXX Address ID # XXXX Single family Delete Old Phone Numbers ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential Delete Bankruptcy scheduled to fall off XX/XX/XXXX Court Name Public Records Record Type XXXX  XXXX bankruptcy discharged Reference Number XXXX Responsibility Individual Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Court Information Court US BKPT CT KY XXXX Address XXXX XXXX XXXX XXXX, XXXX KY XXXX Phone Number ( XXXX ) XXXX On Record Until XX/XX/XXXX Requesting Early Removal Delete Hard Inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX OH, XXXX Credit card. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm reaching out because it is now XX/XX/XXXX and both of my credit reports are still reflecting incorrectly. The I nstallment payments for the loan during the timeframe of XXXX should have been updated on my credit reports ( XXXX and Experian ) as on time. I spoke w/ manager XXXX and she stated on XX/XX/XXXX that the reports would be updated by the end of XXXX. It is now XXXX and this is halting my progress in being able to purchase a home. I've reached out on several times via email because XXXX XXXX added to my credit reports as a collection account dropping my score even lower. XXXX stated in her email on XX/XX/XXXX, immediately after our phone call " To fix this error retroactive waivers were applied to your loan covering installments owed from XX/XX/XXXX through XX/XX/XXXX. Your credit report should update to reflect those payments as on time during the next reporting cycle. '' It never happened.
Product: Mortgage

Loancare still is unable to update my payments to current. I have never missed a payment. They misapplied my funds to principle and fixed my credit for escrow misapplication but still show me as owing XXXX payment. I have been Working with XXXX XXXX and he has been waiting for the Cash department to apply updated payment for XXXX. I have been marked as late by Loancare and my fear is they report to credit bureau again. I need them to apply XXXX Payment correctly and show me as current on loan and XXXX payment is next payment due.
Product: Debt collection

I have call this company several times. 
My paycheck was garnish. 
It was paid in full. 
It is still in my credit six months later and I can not get a hold of anyone to have it handled
Product: Debt collection

I got a copy of my credit report. I wanted to dispute an account in collections i didn't know I had. When I got my results, back one of the bureaus couldn't verify so they deleted it from my credit report. The other bureau ( XXXX ) some how updated all the information as current and even my last payment made was updated to XXXX of XXXX. I've never been in contact with this company, I never made a payment and never spoke with anyone. I wrote to the bureau and asked to verify and validate the account and they never responded. Instead, they claimed to verify but never sent me any proof or any notice. Instead, I was sent a judgement from a court which I never even received a summons for. To top it off, the judgment was sent to my daughters apartment, not mine. They never sent me a validation letter, and didn't include any type of license numbers on any of these letters. I also wrote the bureau a new letter to provide me proof of last payment that they are saying I made and how they verified the account without showing me proof, showing me a contract that was signed by myself. Also, the amount on my credit report that they are saying I owe doesn't even match the amount owed in the garnishment letter. I want to sue this company on these false accusations and need help with going about it.
Product: Debt collection

I received a letter from a collection agency stating that " my utter lack of cooperation has convinced us that the extra consideration extended in your behalf is unappreciated. Frankly, we doubt that you deserve further consideration and and insist that you pay your balance in full within 48 hours. ''
Product: Money transfer, virtual currency, or money service

I had posted on XXXX app for furniture items sale as I was going to move out. One person contacted me on XXXX and asked me to send text to her husband 's mobile number about one of the items i had put on sale. The person wanted to buy this furniture item from me and agreed to buy all items I had put on in app for selling. He sent me Cashier 's check which included amount for furniture items I had put for sale and charges to be paid to Mover for movement of these furniture items. He asked me to deposit this check and once the amount is deposited to my account, make {$1500.00} payments to Mover with email ID through XXXX app. I insisted that I dont want to make any payments and hold his money as my move out plan was postponed due to travel restrictions. He asked me to make Mover 's payment and agreed to pickup furniture items once my travel plan is finalized. I deposited the cashier check and waited for it to be processed and next day it was processed and amount was available in my account. Based on understanding that cashier 's check has been validated by Bank, I made payment of {$1500.00} in 3 payments made in 3 days of {$500.00} each as per daily limit in XXXX app on XXXX. I received email from my Bank on XXXX that the cashier 's check deposited has been returned unpaid and my Bank deducted the cashier check amount along with some fee amount from my Bank account. Now when I tried to reach the buyer on 2 different numbers he messaged me from, he is not reachable. I called Bank representative where my account is, but they said they can not help and I asked them to cancel XXXX transactions so that I can get my money back but they said since I initiated these transactions, they cant help. I called Bank who issued Cashier 's check but they told that they can not help in revealing the information on why cashier 's check was returned unpaid over phone. I am feeling helpless now and request to get my lost money back.
Product: Student loan

Navient has steered me into forbearance multiple times. I recently found out that my account was past due but apparently Ive run out of forbearances, although i do not recall being told that there was a limit to them. They told me this on XX/XX/XXXX and then reported negative remarks on my credit report XX/XX/XXXX because I was unable to bring my account current by then. This has made my credit score drop over 100 points. I have tried to explain to them how unfair and  wrong this is, especially since a supervisor admittedly told me today that they are not supposed to offer and or process back to back forbearances. But because they consider it an accurate reporting they are unwilling to help me. I am a parent with low income and I can not afford to accept this.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called on XX/XX/2020 XXXX at 53 said I was in collection. Asked for supv. She left me holding another 40 minutes minutes total 1 hour 25 minutes. 53 refuses to send statements or process frauds and disputes.
Product: Debt collection

Dear XXXX : Pursuant to my rights under federal debt collection laws ( FCRA ), I am requesting that the above-mentioned account be removed from my report. 
This account is fraudulent because I left at the end of my contract year and did not renew the lease. Recently I called National Credit System to explain that I did not owe the amount and that they are reporting it twice. They said this was owed because there was damage to the apartment, which is not true. We left the apartment in perfect condition and totally clean. They made an offer of {$2700.00}, which I refused since I do not owe, XXXX XXXX Apartments any money. 
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the New York State Attorney Generals office. Civil and criminal claims will be pursued. 
Sincerely, XXXX XXXX XXXX This account is being reported to my account and my wife 's account. 
We are XXXX  speakers and are working with XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Made a payment out of my bank account of {$600.00} via an echeck using PayPal to a PayPal account in XXXX and PayPal never said they couldnt send the payment out payment get processed Im told the money was never received by the receiver that PayPal XXXX said I will get a refund its been two weeks plus and no refund