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

XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX, XXXX and experian credit reporting agencies block/remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of personal and collections accounts listed below. 
Account Name : XXXX XXXX Account Number : XXXX When the account was opened : XXXX XXXX, XXXX Account Balance : {$550.00} Account Name : XXXX  XXXX Account Number : XXXX When the account was opened : XXXX XXXX Account balance : {$320.00} Account Name : XXXX XXXX Account Number : XXXX When the account was opened : XXXX XXXX Account balance : {$600.00} COLLECTIONS : Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX When the account was opened : XX/XX/XXXX Account Balance : {$130.00} HARD INQUIRIES : Inquiry Name : XXXX Inquiry Date : XXXX. XXXX, XXXX This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number XXXX, account number XXXX, account number XXXX, account number XXXX has violated my rights. 

15 usc 1681 section 602a states I have the right to privacy.

15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am needing help with my background check this is becoming a huge problem I am trying to apply for Uber as a driver and my background check comes back clear I am requesting a new background to help this matter for applying for Uber as a driver
Product: Credit reporting or other personal consumer reports

Account has been closed for 13 years and school closed down its still reappearing on my credit and impacting my credit score. They keep sending it to different collections and its supposed to be removed of my account
Product: Student loan

I am writing to formally lodge a complaint against Ed Financial, my student loan servicer, regarding a significant payment discrepancy that has caused undue distress and inconvenience. On XX/XX/2024, I made a payment of {$2400.00} to settle my third loan obligation. Regrettably, despite the deduction from my bank account, the payment has not reflected on my Ed Financial account. 

Following standard procedure, I patiently waited for several days to allow for processing time. However, upon checking my Ed Financial account online, the payment remained unrecorded. Concerned by this discrepancy, I promptly contacted Ed Financial to seek clarification and resolution. To my dismay, their representative confirmed that they had not received the payment and requested documentation evidencing the transaction, specifically a bank statement. 

Complying with their request, I promptly provided the requested documentation. However, the subsequent handling of the matter by Ed Financial has been deeply unsatisfactory. Despite their initial assurance of a 5 to 7-day resolution timeline, upon my follow-up two weeks later, I was informed that the resolution process would extend to an additional 30 to 45 days.

This extended delay, coupled with the lack of transparency regarding the status of my payment, has left me deeply frustrated and concerned. As a borrower, I have fulfilled my financial obligation, yet I am left in limbo with no definitive timeline for resolution. This situation not only undermines my confidence in Ed Financial 's competence but also raises questions regarding their integrity and commitment to customer service. 

The sum in question, nearly {$2500.00}, is substantial and its delayed processing without adequate explanation or timeframe estimation feels unjust and bordering on fraudulent. As a responsible borrower, I have adhered to the terms of my loan agreement and expect the same level of diligence and accountability from my loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed accounts on my credit report with TransUnion and they updated the information as verified without explaining how and what information was just for the accounts to be verified, when the accounts are not really verified. 

RESULT : Disputed information was verified as accurate TransUnion investigated your dispute but the information was verified as accurate. Other information was also updated. 

I have never had any accounts with the company that the accounts is with on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage service provider ( MidAmerica Mortgage/XXXX XXXX ) continues to operate poorly in their management of my Section 184 mortgage loan. The current amount of money owned on our mortgage is {$350000.00}. However on XX/XX/XXXX we were assigned a fee of {$99000.00}. This was a large error on the part of MAM/XXXX. It took an entire MONTH ( XX/XX/XXXX ) to get this fee waived. However, because they dragged their feet on this my current credit report is showing, incorrectly, that we owe {$450000.00} because that amount is including the fee that was waived. So as a result of this negligence my current credit score has dropped 21 points. 

It is a constant struggle to have to be this hypervigilant when it comes to making sure I'm not being XXXX  by this service provider. I have to check literally every couple weeks and constantly try to email/call individuals at this organization to resolve my issues. This lack of oversight and due diligence from this group is subpar at best currently.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Product: Credit reporting or other personal consumer reports

Experian continues to report inaccurate information that is causing me serious harms. These accounts listed as XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX are all reporting inaccurately. The accounts can not be charged off with a balance due when federal law states any balance that is over a {$1.00} is due to the consumer so Experian reporting this information is a violation of federal law under FCRA when they know the information is inaccurate. Experian previously stated they removed the information and they did not. These accounts are still showing inaccurately on my credit report and Experian has failed to removed them as stated with the paperwork they sent to my home. This proves Experian is not doing what they reported to the CFPB but instead the exact opposite. Furthermore Experian is required to send opt out notice every 30 days to the consumer so they may opt out of certain information being reported. I have received no such notice. My name is also copyrighted and trademarked which means Experian would need permission from my estate to use the property. Experian is selling my information for profit as well and listed on the XXXX XXXX XXXX which means they are securitizing consumer reports and most get authorization from whom it relates.
Product: Checking or savings account

XXXX XX/XX/2023 I've been banking with Wells Fargo I continuely get charged overdraft fees when I have overdraft protection! I've also submitted several applications fir credits cards, business & home loans as I am a XXXX XXXX XXXX veteran but I am continually denied. This seems as if I am being racially and biased against!
Product: Debt collection

I want to make a dispute on my XXXX profile. A collection for Modern Adjustment Bureau was settle in court with a dismissal and judgment set aside with no moneys owed. Please see attached court document. they fraudulently refiled with the court with no Judge opening back up the case. You can check with XXXX Court of Records to verify.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It may concern, On XX/XX/20 I am looking at my credit file and notice a bill for {$75.00} which was fraud and never authorized by me as I never went to XXXX. A few years back I had seen something from XXXX and I explained to them this isn't me it is fraud and if they can prove I did it than I'll pay. I believe it was a different amount. Anyways I called them back I was to say sometime in XXXX and mentioned under the fair credit act you must remove this from my file as you have shown me no proof of doing business with you. 

They said they would remove it since it was fraud and not authorized by me. For some reason It is still up. Anyone is more than welcome to call me on the subject.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED THE FRAUD ALERT REMOVED IMMEDIATELY FROM ALL 3 BUREAUS ... PLEASE REMOVE THE ALERT FROM MY CREDIT FILE
Product: Checking or savings account

A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER email from synchrony bank, synchrony bank automated phone system won't connect to a live rep for anyone including credit card support lines. After digging through a few synchrony bnak issued credit card numbers I was able to reach a live rep to tell me its a systemwide glitch. Alot of hours wasted thinking there was fraud on my account. 

Official Secured Message Resonse Dear XXXX XXXX XXXX We value your business as a Synchrony Bank customer. Synchrony is currently investigating an unplanned customer notification that is affecting some consumers. We are currently investigating the root cause and we apologize for any confusion. You do not need to take any action at this time. 

If you have any additional questions or concerns, please feel free to contact a Specialist at XXXX. 

Thanks again for choosing Synchrony Bank. 

Customer Service Representative -- - Original Message -- - From : " XXXX XXXX XXXX '' XXXX Received : XX/XX/19 XXXX XXXX  EST To : XXXX Subject : General Service I  attempted contacting you by phone, but the call keeps getting disconnected by your automated system. I got this message by email & amp ; quot ; A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER & amp ; quot ; in my email, I do not have an amazon creditbuilder account, neither do I have a credit card with amazon. Help please!
Product: Checking or savings account

Ive had Navy Federal for a while now and from the time I started until now I have received overdraft fees based on them showing one amount and then when I charge my card turns out I didnt have that amount at the time. I have had this over 15 times since Ive had my acct and its pretty stressful.
Product: Prepaid card

I purchased three visa gift cards on XXXX XXXXXXXX XXXX  but the visa gift card was unable to use in multiple stores. When I called the number on the back of the card, I was told that the card was locked to prevent fraud, and the representative opened a case ( case number XXXX ) ; I needed to provide documents to prove my identity and purchase to move forward. On XXXX XXXXXXXX XXXX, I followed the instructions and emailed the required attached document ( original receipts, utility bill for address verification, my government issued photo ID, and front and back of the card ) in color to XXXX, and include the case number in the subject line of the email. But after over XXXX business days, I called on XXXX XXXXXXXX XXXX to follow up the progress, the representative said the case status was still in progress, so the case was escalated, and there would be a follow up within XXXX business days. However, I did not receive any information after that.
Product: Consumer Loan

I purchased a car loan from this Company in XXXX 2015. I advised the car salesman when asked for my employment number that I can not receive personal calls from work. I was advised my work number was needed to verify employment. My employment was verified before I was able to purchase the car. Ever since I purchased the car, they have been harassing my supervisor and Human Resources Department for late payments. My supervisor advised them on recording at work that I was not able to receive personal calls as they were tying up a consumer line. A representative at Consumer Portfolio Services said they would delete the work number and not call anymore. A day later, the calls begin again. I am trying this as a first attempt to stop the calls. I was advised that if this did n't work, they will be reported to the Attorney General 's office as all calls are documented and recorded at my place of employment.
Product: Credit reporting or other personal consumer reports

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

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX looked at my XXXX credit report on XX/XX/year> and noticed some things are incomo ete and not accurate. And accordine to the tair credit redortind act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 Use 168115 they are suppose to do this ( 5 ) reatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Debt collection

XXXX XXXX P.O box XXXX XXXX, CA keeps harassing me over a debt that is almost 7 years old from the XXXX XXXX a company that has went out of business they adding interest the debt and they are a 3rd party collection agency. Under the F.D.C.P.A federal Department of Collection Practice Association and Federal Trade Commision laws I have repeatedly asked for verification of the debt to prove I owe it. I even tried to settle a debt I don't owe but was not able to reach an agreement with the company. I do not owe this debt. At first it was only on my XXXX credit report but as of XX/XX/2019 it appeared on my XXXX credit report with a outrageous amount {$430.00}. It just keeps going on up. I know this this against all laws and seeking information on how to personally sue this company.for malpractice and harassment.
Product: Credit card or prepaid card

I had been charged by bank of America on my XXXX card for several transfers of money out of my account I did not authorize on top of double charges for purchases I did make as well as purchases I did not authorize which should have been clearly obvious to bank of America if they had done any type of real investigation at all into my complaint. I have all the dates and I even have my phone conversation with them recorded. Their response was that no error had taken place at all. On my statements you can clearly see even the double charges for the exact same amount to the exact same place for the exact same time. How is it they saw no error? They obviously did nothing! Shame on you bank of America if it was your mother or sister I'm sure you would have done a better job at looking into the problem!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed several inquiries that I did not authorize. There is an XXXX inquiry on XX/XX/XXXX. on my XXXX report. I did not authorize this, nor do I know what this is for. The next inquiry is for XXXX on XX/XX/XXXX. I showing on my XXXX Report. I have never heard of this company. I show an inquiry for XXXX on XX/XX/XXXX on my XXXX report XXXX I shop at XXXX, however, I do not shop there enough to warrant the need of a credit card. This was unauthorized. There are car dealerhsip hard inquiries on my report that I did not authorize. I currently have a car loan in which {$1200.00} is still owed on it. I have not requested a new vehicle nor have I authorized my credit be run for a new vehicle. There is a XXXX of XXXX on my Transunion report for XX/XX/XXXX. I did not authorize it. When reviewing my report, I reached out to the number on file, and was informed that they did not do this, so I believe it is a fraud transaction. I see a XXXX of XXXX for XX/XX/XXXX on my XXXX report. Once again, this was not authorized. I have not submitted any information to any XXXX to run my credit. No social or confidential information was submitted. There is another unauthorized inquiry on my report for XXXX on XX/XX/XXXX for XXXX. I have never heard of this, and did not authorize this. Another inquiry has shown up for XXXX XXXX XXXX XX/XX/XXXX for Transunion and another on the same date for XXXX. This was not authorized by me. I also see a XXXX on XX/XX/XXXX on my XXXX. Again this was not authorized by me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal Loan account opened at XXXX XXXX XXXX, XX/XX/year> account number XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account are the result of identity theft and fraud.
Product: Debt collection

Company AFNI is stating that they're attempting to collect a debt in the amount of {$220.00}. These was never a debt own to XXXX at anytime. I did in fact reach out to XXXX and they stated there has never been a debt with them.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX I sent a letter to XXXX to update my personal information. I also sent a copy of my state issue ID, proof of residence and a copy of my social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel these are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 60 days, so they should be erased immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TranUnion per phone call on XX/XX/19, approx XXXX in reference to their response letter received per my to my dispute. My dispute included requested information in relation to me exercising my rights under FCRA Section 611 ( 6 & 7 ) - Method of Verification of an item on my credit report. 
The first rep that I had spoken with ( XXXX ) stated that she can not supply me with this information ( Method of Verification ) and stated TranUnion uses a third party company that verifies this. I then asked for her supervisor ( XXXX ) of which I was transferred to her. The supervisor as well refused to supply me with information to not only who the third party company is that TransUnion uses but did not supply me with the Method of Verification per FCRA  Section 611, 6, A & B. 
As a Consumer, I have the right to request this and as well receive this information per the Federal Credit Reporting Act as stated above. This Credit Reporting Agency ( TransUnion ) is in violation of this Act. They have not conducted a thorough investigation, rather then utilized a third party company ( of which is not the " Furnisher '' of this account I'm disputing ). 
I left the conversation stating I was going to file a complaint with CFPB as well with the State Attorney General 's office.