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

I sent a second request to have unauthorized inquiries removed from my credit report. The inquiries are from " XXXX XXXXXXXX '' on XXXX and XXXX, as well as " XXXX XXXX '' on XXXX. These inquiries were not authorized by me, and the company has not provided proof of authorization as required under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1681b ( c ), credit reporting agencies must have my consent before allowing an inquiry.

Ive given them 20 days to resolve the issue, as required by the FCRAs timelines for disputing inaccuracies. If they dont remove these unauthorized inquiries or provide proof of authorization, I may take further legal action under 15 U.S. Code 1681n, which allows me to seek damages for their noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax account shows a negative reporting from XXXX dba XXXX XXXX  dated XX/XX/XXXX. I ceased doing business with Nationstar on XX/XX/XXXX when I signed a Grant Deed ( attached ) transferring the property to a buyer, thus allowing XXXX to be paid-off, and thus removing me as a client of XXXX and the closure of my account with XXXX. I no longer did any business with XXXX after that date as I no longer owned the property in question and no longer had an account with XXXX. Therefore, it was impossible for XXXX to report a " Derogatory '' status over one year later. This XX/XX/XXXX status report must be removed. Equifax has not done that. Equifax also is not allowing me to report this error to them because their on-line reporting system is consistently malfunctioning.
Product: Credit card or prepaid card

To whom it may concern, Bluebird has blocked/ closed my account due to valid disputes I filed. Although, Bluebird did not process my disputes. All Vendors with the exception of one, XXXX, has returned funds back to my account. I am in need of your assistance.due to there being a misunderstanding in communication between Bluebird and I. 

Please assist me in 1 ) Reopening my account as I have not violated my user agreement by filing valid disputes. 
2 ) Unblock my balance of {$170.00} on my account. As well as my ability to view my transaction history. 
3 ) Retrieve $ XXXX XXXX XXXX XXXX XXXX they state XXXX will only allow the financial institutions/ Bluebird to return funds to customers once a dispute has been opened.

Please investigate and assist me in addressing these errors. 
Thank you for your time and attention to this matter. 
XXXX XXXX XXXX XXXX
Product: Consumer Loan

On XXXX XXXX XXXX, 2015 I tried to initiate a payoff of my Auto Loan on US Bank website. I entered the amount in the box on the bottom that said " other amount ''. I entered the entire payoff of my vehicle along with my banking information and clicked " submit ''. I was met with a screen that said " unable to process your request online, Please call ''. I called the XXXX number to speak with a representative. They advised me that such a large payment ( approx. {$25000.00} ) could not be paid online and that I would have to mail them a check. She provided me with the address and I sent them a check. Well Monday XXXX XXXX, 2015 comes around and I check my banking statement. Low and behold that payment that I attempted to make online XXXX/XXXX/2015 was processed and taken from my bank account. US Bank online banking webpage never gave me a confirmation number or indication that a payment was accepted. That fact that the only thing the US Bank website told me was " unable to process your request online, please call '' tells me that the payment was not made. US Bank website does not offer a way to view pending payments made online, no email notifications are sent, and their is no way to cancel a payment you have made online even before it is processed. Since I sent a check through my XXXX XXXX account online bill pay that was delivered XXXX XXXX, 2015 my account was overdrawn due to the lack of information on US Bank website advising me a payment was processed when the fact is that its website clearly told me it was unable to process my payment. I have encountered fees for payments that could not clear due to the incompetent website US Bank provides its customers.
Product: Credit reporting or other personal consumer reports

Im processing disputes on my credit report to delete & remove all invalid an inaccurate information that is reporting to my file. I have been a victim of identity theft. None of the accounts listed are following the FCRA guidelines. This has caused major effects to my credit report please review an remove the accounts listed to clean my credit report asap
Product: Debt collection

XXXXefferson Capital Systems has been reporting a collection on behalf of an original creditor of XXXX XXXX. I have disputed this several times, as I have not had a XXXX XXXX service. When I call Jefferson, they tell me XXXX XXXX is now handling this, and they are unable to provide me any information. I call XXXX XXXX and they tell me Jefferson is handling this and I have to contact them. All I want is some sort of bill and proof of account and they can not even tell me anything about this file. This needs removed from my credit!
Product: Credit card

I revoked auto payment status on the Coles charge website weeks prior to when the auto payment was to be taken out. I also removed the bank account information. Coles still charged my account. I requested via phone that they provide me with the date in which the auto payment was canceled and the account was removed and they did not provide the correct date. My bank request requested that I have them write an email saying that the payment was withdrawn in error. However, the company refused to send such an email.
Product: Student loan

Company changed names and they won't remove the old name and debt and it's hurting my credit score
Product: Credit reporting or other personal consumer reports

Barclays Old Navy reported a 30 day rating under XX/XX/2023 on my credit report under XXXX XXXX XXXX. This account is also still showing as closed under XXXX when it's still open. Reached out about this but this hasn't been corrected. 

This company had a system issue in regards to processing automatic payments, resulting in my credit card balance becoming past due. Unfortunately, this is the only delinquency reported on my credit report and it has been detrimental to my family 's future XXXX. We are closing on a home soon, and this late payment reported by Barclays is costing us tremendously. I never experienced something like this and it couldn't have happened at the worst time in our lives. I rarely utilize the card and I'm regretting ever using it. 

I'm asking Barclays to please consider removing this late payment from my XXXX XXXX XXXX credit reports. We are already facing high interest rates and high costs of homes. It's unbelievable that a 30 day late payment for a small balance, that I set up an automatic payment for, is affecting us like this. I hold 2 accounts with this company and have always been up on my payments. Regardless of the automatic payment not working out, if they reached out to me about the payment not going through, I would have paid it immediately. 

Again, I'm asking Barclays to please remove the late payment reported under XX/XX/2023 for XXXX and XXXX. And correct the account status from closed to open under XXXX. 

Thank you
Product: Credit reporting or other personal consumer reports

My wallet and SSN was lost and have been a victim of identity theft still to this day. I called to remove inquiries in XXXX XXXX & XXXX, said company said that a FTC report is needed to remove inquiries. FTC report was sent in and said company is stating of not receiving it. Will not remove inquiries from report after non stop reportings. They will not remove them over the phone but also will not admit to receiving information that was sent in.
Product: Debt collection

I was approved for {$300.00} I was paying kohls on time {$27.00} if there was a late i would double the next month so back in XX/XX/XXXX i ordered pillows and towel set that was supposed to be shipped as one full order but wasnt at this time i lived in and loft where packages left unattended where people can come straight in and leave right out there where no managers in this building or receptionist. I was supposed got the items in XX/XX/XXXX but never did even though they said delivered so we went back in forth about this and the agent talk to a supervisor and i hold them to closed the account because of items i didnt recieved that i want that charge of {$84.00} reversed off my card becaused they had already charged my account just mind i just paid my XXXX payment of {$27.00} which my account was at the time {$210.00} witch made my bil XXXX. Which i was under the impression they was taking the charge off my account closing the account that day. I told them i was going to be moving in XXXX and to send the bill to the new address that i gave them because i had mail forwarded early to a different address because i new how slow usps is delivering mail. That my account was going to be closed i wont be able to used it anyway online so i gon na call in payments. But didnt here from them offical closed account untill XX/XX/XXXX when they agreed to closed the account in XXXX the XXXX  me month i XXXX recieve the item. I the reciept of last payments and charge im talking about.
Product: Debt collection

I applied for what I thought was a credit card.XXXX XXXX never sent me a bill or credit card .I never spent XXXX XXXX dollar for any service with them .amd I have a XXXX bill on experian I dispute it with XXXX and XXXX XXXX they removed from my credit report. EXPERIAN REFUSED to remo it off my credit report.I would like it removed and XXXX XXXX account deleted amd removed with Fraudulent charges of XXXXThank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$170.00}, OFFICE OF THE ATTY GEN XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$330.00}, XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$190.00}, and XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$100.00}.
Product: Debt collection

First, I am a veteran, so there was never a bill for me to pay. The company Healthcare Financial Services ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on no ones authorization put me in collections and on my credit report for bills that I never had. I was about to pay them ion order to get them removed from my credit report, but instead went to the ( XXXX ) and sat down with the director of business office and came to find out that She never even sent them any information or a bill concerning me because there was no bill to send. They also fabricated XXXX other bills that the ( XXXX ) can verify in the total amount of around XXXX dollars. THe hospital ( XXXX XXXX, XXXX ) called them and straightened the matter out, but they ( Health Financial Serv. employee contacts were very rude and laughing about the matter. If i had paid the amounts that were asked for where would the money have gone for a bill that did not exist? They are running a SCAM and need to be totally shut down and I am filing a suit because of the damage that has incurred on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX I XXXX {$1300.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$900.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX
Product: Checking or savings account

I have had checking and credit accounts with Bank of America for many years. I have been residing in the US for many years as well. My national origin is XXXX. In XX/XX/XXXX, Bank of America started to send me letters asking me to provide proof of my residency. The letters have specific dates before which I had to provide the required documents ; otherwise, all my Bank of America accounts would be restricted as explained in the letters. The letters state that the bank has " certain rules '' if it is " operating accounts for individuals who are citizens of US-sanctioned countries. '' I responded to previous letters and provided proof my residency in the US. The most recent letter was on XX/XX/XXXX ( see attachment ). I believe Bank of America is discriminating against me based on my national origin. Because Bank of America is discriminating against me based on my national origin, the bank has been unduly asking me to provide proof of my residency ; otherwise, the bank threatens to restrict my accounts. I have been continually residing in the US since XX/XX/XXXX ( well before I received any letters from Bank of America requiring proof of my residency ).
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX XXXX since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I apply to refinance my home laon with this morgage company XXXX has a program called HARP. Harp program is for people that have mortgage problems or issues in XXXX. They talked to me about HARP I understood how it works I qualify for it under their guide lines this program helps people that is underwater owes more than the house is worth there are not financial denied when XXXX person help me and said everything was ok when he started to work in my loan he noticed that I owe {>= $1,000,000} he asked me if I have a second morgage. Told him tha the reason why my loan was so high is because bank of America screwed me up when he gave me a loan modifications and I had no choice but accept their new laon conditions or I was to be homeless they took advantage of my situation of desability no money and with my family they told me that this modifications was wrong and may be fraudulent becouse under HARP guide lines they where supposed to do this kind of work out. He told me i qualify for the program but because of the way this loan was done he could n't help me and that was one of the reasons why bank of America was sued I told him that if wad to denied my loan I want to describe the reason the real reason why he was going to denied it he said he would n't know how is going to be but it will be a denied letter under the guide lines of this program it would n't be any denial financial issues
Product: Credit card

On XX/XX/XXXX and XXXX I've delivered payment to chase bank for the offset of the principal balance to be applied to the principal account. Chase bank is unlawfully converting credits and not applying then to the account so the account can be in good standing. I've delivered twice and chase bank has now breached the trust relationship, I've tendered in good faith and clean hands.
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX XXXX XXXX  Is incorrectly Reporting a {$200.00} debt on my credit report that I do not owe them. I will not acknowledge any collection agency and will only deal with Original Creditor. If there was a debt owed it was paid to the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 someone ran my credit from Citibank Na, XXXX XXXX XXXX XXXX XXXX. Im not sure if they opened a credit card or not Im just trying to get ahead of it. My XXXX account was hacked and they stole all my information now I cant even call out or text message anyone on my phone. They took my social security number, address, name, DOB and bank info.
Product: Checking or savings account

Re : XXXX Reference complaint had to do with truest selling my information to a third party. I received another solicitation. This one has the Truist logo, being used by XXXX of XXXX, and the papers tell me they can deduct a monthly premium from my bank account, and it appears the third party XXXX of XXXX already has my bank account information. See attached photo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in the process of trying to get my credit information to report accurately. Equifax deleted a judgment off my credit report on   XXXX    XXXX , 2017 for which I have enclosed validation. I went to apply for a house and when they pulled credit  XXXX   XXXX , 2017 it is still reporting. This is absolutely unacceptable. This is hindering my financial move for something that should not be listed on my report.
Product: Credit card or prepaid card

I am the custodial parent of XXXX XXXX children who receive federal and state benefits because their father is XXXX and the other is a veteran. I purchased a PayPal prepaid card to keep their bunny safe during travel and while we were moving. XXXX will not allow me access to the childrens money even though I have provided proof of identity proof of old address and proof of my recent mailing address along with my Social Security card and two government IDs. I have made it clear that this money belongs to XXXX children and that it is our money that we put onto a prepaid card for safekeeping that the company does not have the right to keep the money away from the children by continually asking me for the same identification and address information I presented in the first place
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft. I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make this charge I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement.

BankruptcyXX/XX/XXXX 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
BankruptcyXX/XX/XXXX Case Number : XXXX Please remove it from my credit repor
Product: Money transfer, virtual currency, or money service

I cant link my accont to XXXX!!!
Product: Credit reporting or other personal consumer reports

The following account hard inquires and collection I don't not acknowledged and was not authorize by me and appear to be fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

They made the minor corrections such as phone numbers a employers but not the serious XXXX loan that was not mine. Repeated emails from them are now soliciting sales of services and they continue to ignore the XXXX matter. Yet the email headings imply they have taken action only to discover a sales pitch
Product: Credit card or prepaid card

In XX/XX/XXXX I applied for a XXXX XXXX XXXX Credit Card which I have never done before. 

American Express said if I spent {$4000.00} in XXXX months I would receive XXXX XXXX XXXX points on my American Express card ending in XXXX. 

In the month of XX/XX/XXXX I confirmed with numerous agents that I met the qualifying {$4000.00} spend amount and would receive the XXXX points. XXXX such agent was XXXX in XXXX XXXX on XX/XX/XXXX. 

I did not receive the XXXX points and in XX/XX/XXXX I wrote to the CEO of American Express XXXX XXXX. 

I was later told in XXXX that both the phone calls as well as the letter to XXXX XXXX were lost. As the letter I wrote was certified to the CEO so someone at American Express headquarters had to sign for it. 

Please credit to my XXXX XXXX frequent guest number XXXX the XXXX points earned and promised by American Express. 

Thank you, XXXX XXXX XXXX XXXX