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

Hello, my name is " XXXX XXXX '', I have been reporting about inaccurate items over a year. However, the response of the credit bureaus didn't make me feel satisfy. There are still some derogatory accounts that not belong to me and our business. I request investigation on these incorrect accounts that I list below. 
** Name ** _XXXX  XXXX This name was spelled incorrectly. My only real name is XXXX XXXX. 
XXXX Address reported** XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CT XXXX These addresses are incorrect and need to remove off my credit report. Someone intended to put them in their to harm and intervene me from obtaining credit. I have attached my driver license and tax return document as proofs for my accurate name and address. 
**Hard inquiries*** _ XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX These XXXX account above are unauthorized inquiries. The information which credit bureaus provided, violated Metro2 Report Compliance by not reporting their contact information, remarks and dispute status. 
XXXX XXXX : XXXX XXXX, XXXX Unauthorized inquiry and date furnisher has violated " Metro 2 Report Compliance " by not reporting there con contact information. 
**Collection** XXXX XXXX XXXX Reported XXXX XX/XX/XXXX I never receipt any loans or credit with this company. This collection was added in my credit report. As you may aware of section of 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. I request the credit bureaus provide me full information of this collection and also proofs that you have followed F.C.R.A lawsuit in the process of adding this collection to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are old items still effecting my credit score. Regardless of exceptional payment history, the Equifax and XXXX scores never increase to the accurate scores.
Product: Credit card or prepaid card

My monthly DIRECT EXPRESS DEPOSITS WAS Hacked in XXXX. I filed complaint with DIRECT EXPRESS. WAS ISSUED New Card, but No Refund. I understand they suppose to give a PROVISIONAL CREDIT while investigating, but NOTHING. 
Over {$1200.00} was Hacked from my Direct Express. Please get my Money Back soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

These 4 student loan accounts were disputed for showing incorrect information. The report came back verified but that would be impossible because it shows late payments incorrectly. It jumps from XX/XX/XXXX as paid to XX/XX/XXXX as 90 days late then XX/XX/XXXX as 120 days late that's impossible. This report has been reported falsely for over 3 years and they will not conduct the proper investigation. 4 accounts not being shown as 4 120 day and 90 day late payments shows up as 8 late payments for over 3 years when they were never reported correctly to begin with. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

Robinhood allowed someone to get access to my account while not flagging there new location or the sell of everything I own and transferred to a new bank account added the same day. 
I did catch these and tried to get ahold of robinhood before my money was gone. They have an electronic customer service wall and you cant call anyone without being able to get on your Robin account. 
This happened XXXX XXXX XXXX XXXX and XXXX both have better security and dont allow for new login devices from new locations. 


By the time I was emailed a number to call all of my money was gone. {$2200.00} Thank you for your time and reading my complaint. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts they've reported on my consumer profile were incorrect and I demand for the elimination of these items as soon as possible. 

XXXX XXXX XXXX XXXX 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

IhavespokenwithNavientcustomerservicetoaskaboutautomaticpaymentsthatarescheduledtocomeoutofmyaccount.ThereptoldmetheydidntseeanyextrapaymentssoIsetupautopay.NowIhavedoublepaymentscomingfrommyaccounteachmonth.IjustcalledFridayXX/XX/XXXXandthereptriedtotransfermetothedepartmentthatsetupthepaymentandthecalldropped.ShedidntmentionanythingaboutapaymentbeingscheduledforXXXXbutnowafullpaymentjustcameoutofmyaccount.IcantaffordtopayNavientdoublepaymentseachmonth.Ialsoaskedherifthedoublepaymentshadbeenappliedtothebalanceandshecouldnttellme.WhereismymoneygoingandIwantthatXX/XX/2019paymentreversedASAP.IwanttheupcomingpaymentscancelledforonlineandtheonesthatweresetupbytherepresentativeandIwantsomeonetoexplainwheretheextrapaymentsImadewereapplied.Whatismybalance,whenwillthisloanbepaidoff?
Product: Student loan

I have a unsubsidized Stafford loan from college of {$7500.00} that I did not receive any communication about for nearly six years while I was in XXXX XXXX. Then I get a letter in the mail after six years of no communication stating that I owed Nelnet an extra {$3500.00} in loan interest. Had I been reminded of my loan status or amount of loan interest, I would have begun repayment earlier and not incurred as much interest.
Product: Checking or savings account

received word from Wells Fargo today that they are not going to honor my claim or request for compensation. The information they provided is conflicting with previous information that was provided due to other representatives. The representative that I was on the phone with today her name is XXXX, The only thing that she could say to me was Im sorry. Im sorry for other Wells Fargo employees providing an inaccurate information and lying to you. The additional information that she provided today was also conflicting with previous information I received from Wells Fargo stating that Wells Fargo was only limited to do a partial credit in XX/XX/2021 due to the fact of the time frame window which was 60 days. After speaking with the representative today she told me that it was not on Wells Fargo when I received a partial credit in XX/XX/2021 but the merchant. That is conflicting information that I was previously told by Wells Fargo. All of it is not adding up as this is not the first time that I have received conflicting information from Wells Fargo. Wells Fargo also stated that they had recorded conversations of me which I deny because I do not remember making those conversations as I explained it to the representative this morning that at that time I was still grieving for the loss of my 14 month old son that was killed in a car accident. Wells Fargo has made it a lot of in accurate statements and its still not taking responsibility for their actions over the past year that Ive been dealing with this situation. For over a year now Ive been lied to by numerous Wells Fargo employees and treated very poorly as a customer. Wells Fargo is still neglecting to take responsibility for a mistake that was made on their part and are observing themselves of any and all responsibility for their mistake and the way that they have treated me personally over the past year. The response of Im sorry from this representative does not fix the situation that Wells Fargo has put me in. Not to mention the stress and frustration but all of this has added not only on me but my family as well. I want this bureau to take action and make Wells Fargo pay for what they have done. Again numerous times that I have received conflicting information from Wells Fargo so that they can simply wash their hands with this and not take any responsibility for their mistakes over the past year. They are refusing to give me any kind of compensation and are denying everything.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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

My Name is XXXX XXXX Today 's Date is XXXX XXXX My Experian Report Number : XXXX And My FTC Report Number Is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also I Called Experian Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful Ive Attempted Several Times In The Past To Solve This Incorrect Info With Experian , All These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Experian..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting Inaccurate Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX  XXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX ... .... 
XXXX  XXXX XXXX  XXXX XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX XXXX PROGRAM ) ) XXXX XXXX XX/XX/XXXX I Even Called Experian Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Experian Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number :XXXX XXXX ( b ) Block. Item must be blocked in no less than ( 4 ) days
Product: Payday loan

received a letter from Creditors specialty service. They disclosed all my information to my boyfriend. Talked to my boyfriend without my permission. Creditors Specialty Service gave my info to a third party. XXXX XXXX did this. I was calling to ask for verification of this debt, because I do n't think its mine and he kept pushing me to pay for something that is n't mine.
Product: Credit reporting or other personal consumer reports

I have inaccurate information on my credit report that does not belong to me. I contacted the bureaus to let them know, but nothing was removed from my credit report. Someone stole my Social Security card and driver 's license, and I have been opening accounts in my name without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the three credit bureaus, XXXX, XXXX  and TransUnion onXX/XX/XXXX. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Product: Debt collection

The Sawyer Law Group attempted to collect a debt by mail in late XXXX. I didn't want them to assume the debt they purchased was valid so I sent them a notice of dispute. I asked for a declaration swearing that statements made in a document are true or copy of a judgment against me. XX/XX/22 I get a response back stating, " Enclosed is a copy of the verification of your debt .... '' I have attached the notice. It was not signed by any person. I have reason to believe that this debt collector is looking to mislead me into believing that I owe a debt to them. The Sawyer Law Group has disclosed in writing that it is a debt collector and has directed me to the CFPB to learn and enforce my rights under the FDCPA. I have asked this company to cease communication with me and if any communication marked as an attempt to collect a debt is sent directly or indirectly, I will explore legal options to enforce civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was paid XX/XX/2022. Best Buy/Cbna ( Citibank ) reports negative payment history until XX/XX/2022. 

Account was paid XX/XX/2022. Best Buy/ CBNA ( Citibank ) reports  it as a charge off in the payment status section. 

I disputed this with them 3 times and they said that they will not change the charge-off because its a charged off account but the correct place to indicate the account is a charged off account is in the ACCOUNT TYPE section which it currently does. But they want it also in the the PAYMENT STATUS section which is what Im disputing because since the account is paid it should show PAID. To have charge off in the payment status indicates that this account was never paid off and it is a violation of my FCRA rights to report it this way. BEST BUY/CBNA ( Citibank ) tried to get around this by putting paid in the notes section of the account but I lost 40+ points due to them updating the payment status and payment history with incorrect information. So just like they changed those sections to report NEGATIVELY, they should be able to go in and undo the inaccurate NEGATIVE information so it can have a positive effect on my score. PAYMENT STATUS SHOULD SHOW PAID! And PAYMENT HISTORY SHOULD NOT SHOW NEGATIVE HISTORY PAST XX/XX/2022 since I paid it XX/XX/2022. Best Buy/CBNA ( Citibank ) has to update the actual report not just add notes onto the account because i lose points based on whats in the payment history and payment status section NOT whats in the notes section on the account. They are being lazy and are not doing bc the due diligence to correct this. They have sent me correspondence that verifies everything Im saying but when they resolve the matter all they do is add a note to the account they do not change the inaccurate information. 

If they are reporting the right information then XXXX is not up updating it correctly but I dont think thats the case.
Product: Debt collection

I had XXXX at the time of this charge but the provider never put in for their claim within the one-year allotted by Medicaid. After the one year they started coming after me for the amount.
Product: Checking or savings account

Us bank has failed to respond to my transaction disputes I have submitted and ignored my disputes making my balance over drawn my accounts. US BANK also is failing to investigate properly My disputes. For example there's a transaction that was denied after merchant clearly stated I returned purchase same day. Which credit was promised by merchant and never received. Merchant sents documents of a returned transaction and us bank dies not see that informing me I received benefit which I did not. Also my account has several transactions which were made by someone without my permission and us bank ignores my disputes without even investigating. Also there's another merchant that denied giving me any information due to transaction. Being made by someone else besides me and us bank denied my disputed transactions. They took over 90 days to investigate one disputed transaction which is after the time permitted to finds its resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a notarized Affidavit of Fact and letter to Experian with specific instruction and updates that need to be made on my consumer file and credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, Mo XXXX Attn XXXX : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX/SEEDFI it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I am herby requesting all above disclosures required by Federal. Since you failed with supplying these documents as the federal regulations states, delete the above account from my three consumer reports. 

XXXX XXXX ( All Rights Reserved )
Product: Credit card or prepaid card

XX/XX/2020 Discover card was instructed by the account holder to remove me as an authorized user prior to them closing the account. Discover card for unknown reasons is failing to remove me as an authorized user. Discover has caused me to receive a drastic deduction in points and has caused me to be denied credit. Discover seems to be refusing to remove inaccurate information, they have not responded to the dispute.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX are inaccurately reporting a XXXX XXXX  account ending in XXXX. This account and its balance do not belong to me ; they are a direct result of identity theft and fraud. I have reported this issue multiple times, yet they have not taken action to remove this account and update my credit report within the required timeframe. I demand immediate correction of this error.
Product: Credit card or prepaid card

Hello I recently lost one of my grandparents + had to essentially up-root my life / relocate and wasn't able to keep my job, unfortunately this account fell behind in the process however I need this to be fixed. I've recently been re-reviewing my finances and need a resolution to make the account current and get the late payments removed if possible.

Thanks for your understanding
Product: Credit reporting or other personal consumer reports

Experian is failing to uphold their responsibility of deleting information that is inaccurate after being notified why such information is inaccurate. They are blatantly disregarding the law by reporting false information.
Product: Money transfer, virtual currency, or money service

PayPal pay here restricted my account after I made {$16000.00} in sales then close my account claiming I owe {$6000.00} for the account when my revenue of business was {$16000.00} which I never saw a XXXX of which goes against their own time to service which I know that my transactions were insured
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my right XXXX 

15 U.S.C. 1661 Section 602 A state I have the right to privacy.

15 U.S.C. 1661 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX You violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) charge error ).

Upon conducting a XXXX XXXX XXXX  credit history, I discovered a substantial number of billing issues under 15 U.s. code 1666 b, Se billing errorD. 
( 4 ) The XXXX XXXX XXXX XXXX XXXXXXXX obligation payment or credit that was given to the debtor on a statement. It XXXX | ( 5 ) A computation error or other similar accounting error on a creditor 's statement. 


I recently pulled my credit report from XXXX and noticed that, XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account XXXX XXXXis reporting late. I was not late .Please update these accounts.