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

This account has caused me significant distress, to XXXXe point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from XXXX this morning and found some things into the report that I had no knowledge of. Yes last XXXX I received a letter form XXXX XXXX XXXX that I maybe one of 14 million that was in the problem of the credit bureau being breached then.

From the looks of it they were right I have addresses that I never lived at and the misspelling of my last name as well as some one tried to get credit in my name as well. 

Now I am seeing addresses that I never lived before. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Single family house XXXX XXXX XXXX Address identification number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Single Family XXXX XXXX XXXX Address ID Number XXXX These places I have never lived before. And I never used my son 's name o co apply with me on anything now that is a fraud because his name has been used for different things as well.So that is wrong too, now the spelling of my name is wrong as well over Name identification number XXXX XXXX this is not my name at all. If your going to fraud by using some one else name spell it right. 
XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX ( XXXX ) XXXX So what XXXX XXXX XXXX told me was true. I have companies calling and telling me that I have to renew the house and car warranty when I do not even own one. I have checked my own back ground check and find that thee are a million XXXX XXXX XXXX 's because it is a common name. I just happen to be one of them. I do feel that I was a victim of ID Theft because to find these tings on my credit report is hindering me from advancing to do better for myself and family. I am trying to get a small business loan now and can not get it because of all of these things on my credit report. It makes me look bad hen I am trying to clean things up and not owe anyone at all. 
these things I did not know about until today
Product: Credit reporting, credit repair services, or other personal consumer reports

I Open up bank of america credit card account in XX/XX/XXXX and i always made my payments on time and never been late and i was out of town during the summer of XXXX and my credit card was stolen ending in XXXX and i never use this credit card at all and i noticed there are the charges i didnt do nor i do business with and i filed a dispute with bank of america and few months later it was denied by them and they marked the card as ' as lost ' and i called bank of america and reopen the investigation around XX/XX/XXXX and they marked my account as a stolen card and i fax it over them and so far i havent heard from bank of america and i check my credit score and it went down to XXXX from XXXX and i called bank of america on the XXXX of XXXX and asked them to email or send a letter to 3 major credit bureaus and letting them know that my dispute isnt closed but the refuse until this day i have a major and outstanding balance of XXXX and it showing on my XXXX credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual data has a lot of innacurate information reporting codes for collections that don't even match my information this report is from XXXX XXXX no XXXX XXXX XXXX or XXXX XXXX or a XXXX XXXX judgements that do not even belong to me .they keep altering my identity my name is XXXX XXXX maiden name XXXX.
Product: Money transfer, virtual currency, or money service

PayPal Closed our account for a XXXX reason, A customer didn't receive the item during the first 3 hours, he tried contacting us during our offline hours then he reported us and our account was close, he agreed to the terms which said you have to wait during a week to receive the item so re-open our PayPal, you cant close it for that XXXX dispute, he didn't read the terms well and you closed our account this is unfair, We didn't scam anyone, we literally have people who paid hundreds and didn't get scammed. Why would we scam for XXXX $ this is XXXX. he didn't read the terms well. our PayPal e-mail is ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 at XXXX XXXX, I mailed off to " XXXX '' ; FTC Report, Police Report, Credit Report & a letter stating the fraudulent accounts that was reporting on my credit report. " XXXX XXXX XXXX '' {$1800.00} account as of XXXX XXXX, 2019, is still reporting and has not been removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XX/XX/XXXX and XX/XX/XXXX {$110.00} each date I disputed this charge stating that the name was incorrect as well as XXXX separate cards XXXX which the company didnt have access to and the XXXX card was unauthorized as I never utilized their services or authorized business with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit card

I accidentally mistaken PayPal Credit for PayPal Balance. I switched to a new computer thinking that I was verifying my computer and not knowing I was actually applying for credit application. The application process is so deceptive and I could not make a difference between applying and sign in. This easy process should not be allowed since most of the time when applying for credits, I was asked with XXXX questions about my credit reports. 

I was so surprised because usually " my default payment '' has always been PayPal Balance and not applying for credits. I accidentally applied exactly 25 minutes ago prior to submit this complain. 

This practice should NOT be allowed. Applying credit should not be this easy by just providing your birthday and last XXXX digits of SSN. My personal information was originally intended for PayPal account verification and should not be a shortcut to apply for credit.
Product: Mortgage

I applied for the refinancing of the existing mortgage in XXXX of 2020. They never responded to the application and claimed it was lost due to technical glitches. They finally found it a few months later. They have all of the required documents. In XXXX they claimed there were issues with the way the house was registered with the county property appraiser 's office and they could not conduct an appraisal of the house. They claimed that the house was registered as a single family and to have it corrected as a multi family. I was able to get the issues corrected, all during a pandemic, in  XXXX, they conducted the appraisal. After many calls and emails they claimed that they had to run my credit again as it had been awhile since it was pulled. They pulled it and now it is XXXX and there is still response or timeline from them as to when the refinancing will be closed. They respond very slow and or response at all to my emails and voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pull my credit and i notice and handful of hard credit inquires and fraudulent accounts on my credit report. I reach out to all the creditor listed where the fraud happen and explain that i did not authorized the account. I then reach out to XXXX  transunion and XXXX  and I as told to get an FTC report. I am asking that these accounts and credit inquires to be remove from my credit report. I have attached the ftc report with my drivers license
Product: Credit card or prepaid card

I was charged a finance charge on a credit card balance. It was for {$1.00} XXXX dollar. I was marked as 30 days late on my credit report. The Card Issuer, Wells Fargo refuses to remove the 30 day late, now it has negatively impacted my credit score and I am bgoing to be rejected for the mortgage I have applied for. I would like Wells Fargo to remove the 30 day late from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX. I HAVE TRIED TO OPEN A NAVY FEDERAL CREDIT UNION ACCOUNT IN ORDER TO OBTAIN A AUTO LOAN WITH MY MOTHER, WHO IS A XXXX XXXX, AS A CO SIGNER. MY ACCOUNT WAS CLOSED AND WAS DETERMINED TO HAVE BEEN REPORTED TO EARLY WARNING SYSTEMS FOR FRAUDULENT ACTIVITY, AND PLACED ON A BLACKLIST FROM A TRANSACTION ON OR ABOUT XXXX XXXX 2013. I CALLED BOTH EARLY WARNING SERVICES LLC AND XXXX XXXX XXXX. I HAVE SUBMITTED AND FAXED ONLINE AND IN WRITING DISPUTE FORMS, ALL OF WHICH HAVE GONE UNANSWERED OR DENIED BECAUSE OF THE TIME FRAME. I AM XXXX  YEARS OLD NOW, HAVE A XXXX YEAR OLD SON, AND WAS NOT INFORMED FROM ANY EMPLOYEE ON HOW TO GO ABOUT DISPUTING A FRAUDULENT CLAIM AND PROVING MY INNOCENCE. I NEVER MADE FRAUDULENT DEPOSITS TO MY ACCOUNT EVER, AND NOW THEY ARE TELLING ME THERE IS NOTHING THEY CAN DO ABOUT IT. I AM GOING DOWN TO TAKE OUT A POLICE REPORT WITH XXXX XXXX XXXX, AND ALSO FILING A LAWSUIT AGAINST BOTH XXXX XXXX XXXX AND EARLY WARNING RECOVERY SYSTEMS LLC FOR THEIR ACTIONS. I HAVE TRIED TO MAKE IT RIGHT, OFFERED TO PAY THE 400-SOMETHING BALANCE I AM NOT RESPONSIBLE FOR. ALL OF WHICH MY EFFORTS HAVE BEEN IGNORED. THANK YOU FOR YOUR TIME, I AM AVAILABLE THROUGH EMAIL OR CELL PHONE AT ANYTIME.
Product: Student loan

I am one of the loan borrowers involuntarily dumped into the SAVE program and subsequent administrative forbearance in XX/XX/year>. My loan servicer is MOHELA. I am 6 away months from 120 months of credit for PSLF and was informed by the Department of Education that during this period of administrative forbearance due to the SAVE litigation, no interest would accrue on my loans and I would not receive PSLF credit for any loan payments made during the forbearance ( unlike the last forbearance ). As soon as I was permitted to by MOHELA, I applied to be moved to the Income Based Repayment plan ( " IBR '' ) on XX/XX/year> with the understanding that once moved back into IBR any payments I made would count toward XXXX credit. To date ( XX/XX/year> ) MOHELA has yet to process my application and/or move me from the SAVE forbearance into IBR. Yesterday, XX/XX/year>, I received an email notice from MOHELA that my loans are in fact subject to interest during this forbearance and assessing those interest charges onto my balance. This violates what we have been informed by the Department of Education. MOHELA is incompetent, deceptive, and unwilling to service our loans during this transition.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am concerned about the accuracy and honesty of bureau 's data. According to FCRA section 611, It Is important that we have accurate records on file with those who rely on them most- including not Just customers, but also potential lenders or employers. After doing some research into Metro 2 compliance standards I have found that there may be some inaccuracies in reporting going forward. If these issues are not promptly resolved I would love any feedback possible before taking action against you later down this rood together. The inaccuracies that are currently my report are having a serous negative impact on my quality of life The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate I am demanding accurate documentation so you can document me- the person who deserves status, Society - correctly Please make sure that all inaccurate are removed Immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records of my rights as a consumer. I will then contact my lawyer to take legal action.

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using Consumer Law that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Credit card or prepaid card

On XX/XX/XXXX, I attempted to use my Apple Card to pay for a {$36.00} charge. I received an " over spend limit '' message and the card was declined. I checked my credit usage ; I had a balance of {$5200.00} with a {$10000.00} credit limit. I had already paid {$5000.00} on XX/XX/XXXX, which cleared my bank on XX/XX/XXXX. 

When I tried to reach Goldman Sachs, which handles Apple Card, I was put on hold. I tried using the chat function. I was on the chat function for nearly two hours. The third person who " assisted '' me texted that I can not use my card until XX/XX/XXXX when " the payment will be released. '' She said that she " attempted to release the payment '' but was " unable to release the payment on my end. '' They have {$5000.00} of my money but won't apply it to my account until XX/XX/XXXX. Until then I can't use my card. My daughter in college, who is a participant in this card, can not use the card. All scheduled transactions on this card, including medical bill payments, will be denied until XX/XX/XXXX. 

I have always paid my credit card bills on time. I have a credit rating of 800+.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Balance : {$21000.00} RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681 . 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX Balance : {$21000.00} on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, TU, XXXX. XXXX, TU, XXXX has violated my consumer rights and violated federal law. This is multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting

This is my second complaint/dispute please see complaint # XXXX. 
Basically I was in negotations with XXXX regarding their proposed settlement. 
While negotations they were still reporting late payments to my credit report. Further I have disputed these several times. Experian shows late payments XXXX / XXXX / XX/XX/XXXX / XXXX / XXXX / XXXX 2016. Transunion shows late payments XXXX / XXXX / XX/XX/XXXX XXXX XXXX 2016. 
disputes XXXX file XXXX dtd XXXX/XXXX/2016 / XXXX file XXXX XXXX XXXX/XXXX/2016 / XXXX file XXXX XXXX XXXX/XXXX/2016 XXXX file XXXX XXXX XXXX/XXXX/2016 XXXX XXXX report XXXX XXXX XXXX/XXXX/2016 / report XXXX XXXX XXXX/XXXX/2016 / faxed XXXX/XXXX/2016 / mailed XXXX/XXXX/2016 / plus additionally XXXX others
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX SS # XXXX XXXX XXXX XXXX Greetings to whom it may concern, Please see all highlight activity which is considered to inaccurate.

Please take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of inquiries on my credit report and inaccurate information on my account. This information needs to be addressed. Please correct information concerning all these accounts. ( Please see attached ) I am asking for a full investigation. Please fix this report effective and immediately. Also I am disputing the credit inquiries that are not mines and needs to be removed.

Please send me written confirmation, also include proof that youve complied with section 623 ( a ) ( 4 ) of the Fair Credit Reporting Act to the National Credit Bureaus.

Thank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above.

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

I have contacted TransUnion multiple times at this point about the inaccurate information held in my consumer report. There are six accounts that are inaccurate as well as 68 inquiries which are all unauthorized and not connected to accounts. This is a blatant violation of my consumer rights and rights to privacy with the furnishing of my information to third party 's without my authorization as well as furnishing accounts without a grand jury judgement or written instruction to furnish said accounts. This is a direct violation of 15 U.S.C.1681b ( 2 ) & 15 U.S.C. 1681n ( b ). I have sent them a notarized affidavit sent via certified mail with return receipt as well as an invoice for the violations they have committed against me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I signed a docusign document with XXXX XXXX for a payoff of my vehicle in the amount of XXXX nothing more nothing less. XXXX received a check in the amount of XXXX on XXXX also paid XXXX toward the car! After being paid XXXX is fraudently charging me interest rates that were not included in the binding contract. Ive contacted all XXXX  bureaus attaching my supporting documents and I havent received a resolution. I do not owe this debt to XXXX and it should not be reporting negatively on my credit reports.
Product: Checking or savings account

I have many unauthorized ATM transactions on my checking account. I filed a dispute with Citibank. The person I was supposed to contact was never in when I called, and vice-versa. We played phone tag and then she apparently just gave up. My claim was denied because of this, over {$3000.00} of bogus charges. My days are often spent in the hospital for treatment and I 'm not usually around during normal hours. Also, I 'm XXXX and have to rely on XXXX XXXX. It 's frustrating to use. Now, the lady I was supposed to contact ca n't be the only person in all of Citibank that can help me. She could at least tell me what she needs from me so I can send it to her. I want this resolved!
Product: Debt collection

On XX/XX/XXXX I called Fedloan to confirm that XX/XX/XXXX payment was not going to be taken out of my account due to the CARES Act Covid-19 response bill having been signed into law. I was informed at this time that Fedloan is claiming that suspended payments during the Covid-19 forbearance period will not count towards PSLF qualifying payments. I was encouraged to continue making payments by both representatives : XXXX # XXXX and XXXX # XXXX. This is in direct contradiction with what the Cares act states : SEC. 4513. TEMPORARY RELIEF FOR FEDERAL STUDENT LOAN BORROWERS. 
( a ) In General.The Secretary shall suspend all payments due for loans made under part D of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ) for 3 months. 
( b ) No Accrual Of Interest.Notwithstanding any other provision of the Higher Education Act of 1965 ( 20 U.S.C. 1001 et seq. ), interest shall not accrue on a loan described under subsection ( a ) for which payment was suspended for the period of the suspension. 
( c ) Consideration Of Payments.The Secretary shall deem each month for which a loan payment was suspended under this section as if the borrower of the loan had made a payment for the purpose of any loan forgiveness program authorized under part D of title IV of the Higher Education Act of 1965 ( 20 U.S.C. 1087a et seq. ) for which the borrower would have otherwise qualified.