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

I have contacted Equifax Information Services LLC on several occasions, after reviewing my credit report to have the inaccurate information they are reporting within my credit file thoroughly investigated. I asked them to provide proof of the investigation from the furnishing Company of these accounts, such as account statements demonstrating the payment history, as a means to remedy these discrepancies and to delete said items if they were unable to oblige my request. Unfortunately, they have failed to honor my request and provide me with evidence of a thorough investigation, and they continue to report this inaccurate information. The XXXX XXXX XXXX XXXX accounts that are closed and reporting " late payment '' history are incorrect and inconsistent. XXXX. if the payment history for XXXX and XXXX were paid on time, there is NO WAY that the account should be listed as 60 days " late '' in XXXX. However, this is precisely the inconsistent account information that Equifax continues to report within my file within several closed XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm relocating to Arizona and looking to purchasing a new home there. I checked my credit score just to  see what was on my report because I haven't checked it in a minute. While checking my report I saw a couple of items that are not mine. I have reached out to the FTC and my local police department and I am doing this on my own behalf. These items need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX. Inquires : XXXX XXXX.
Product: Checking or savings account

I am an account holder with US BANK. My account number is : XXXX I had an issue with several transactions, primarily ATM withdrawals that did not dispense properly and two transactions that were paid with cash. I filed proper disputes for the transactions within the designated time frame and faxed and provided evidence showing these funds were not returned to me. After some time, these temporary credits were reversed, leaving my account negative. I spoke with XXXX XXXX and her supervisor in order to solve the issue. I was told to provide documentation showing these funds were taken back from me, which I did. Nothing was done by the bank. When I was contacted by claims most recently, I was told the documentation could not be used because the monetary amounts did not match. The representative did not realize that the currency locally is PLN and not USD which is why my notes show PLN and the numbers need to be converted to USD. 

XXXX XXXX Claim Documents CLAIM - XXXX Claim XXXX {$100.00} Claim XXXX {$200.00} ATM Withdrawal Claims : XXXXXXXX XXXX ( {$770.00} USD ) on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX ) on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$510.00} XXXX ) on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$280.00} XXXX ) on XX/XX/XXXX - XXXX XXXX, XXXX, XXXX XXXX XXXX ( {$250.00} XXXX ) on XX/XX/XXXX - XXXX XXXX, XXXX, XXXX
Product: Vehicle loan or lease

I was backed up on 2 payments and kept in contact with the company and made a promise to pay. I had told them I would pay on the XXXX but payed on the XXXX of XXXX. I did not have enough funds to pay {$650.00} and paid {$520.00} towards my passed due balance. The payment processed on the XXXX of XXXX and did not think anything of it. I had also told them I was making another payment on the XXXX of XXXX but on the XXXX at XXXX my car was repossessed. I called the same day to see why they repossessed it and said I had to wait 24 hours to get info and what I had to pay. So I called back today XX/XX/23 and asked why it was repossessed after I had made a payment and was told because I was behind on payments. Even though I had already worked it out was going to make the payments and they received my first payment on the XXXX of XXXX they still sent out for my car to be repossessed on the XXXX of XXXX. Im not sure why they did not want to help me or repossessed my car if I was always in contact with them and let them know I would pay and actually made a payment and didnt let me make another payment without speaking to me. I dont believe this company should have repossessed my car if I had made a payment and was always in contact and was going to keep paying.
Product: Credit card

I ordered what I thought were authentic XXXX XXXX XXXXs from XXXX, and received counterfeit shoes. I sent Barclays everything I had, which includes the conversation I had with the seller. I faxed the information twice, and spoke to three representatives over a 2 week period. These documents include the vendor offering a XXXXXXXX XXXX refund for their XXXX XXXX 

They closed my case and told me they had no evidence of fraud. I still have the messages from the vendor. Barclays is a terrible company, and this is the second time I have had to report them to get them to do their job. I would close my credit card if it wouldnt hurt my credit score.
Product: Debt collection

A debt collector named XXXX XXXX is using sheriffs in NJ to send me documents that he says he has filed with a court but he has not. This guy has broken the law I was told by a lawyer and is a very aggressive debt collector. The bank is in CA and I am in NJ now so I am also wondering what the rules are around that.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy and validity of a repossession and charge-off account reported on my consumer credit report. Despite my efforts to ensure timely payments and maintain accurate records, these entries have negatively impacted my credit score. I am specifically requesting validation of the following : Competent Evidence : Verification of all calculations, accounting audits, dates, and balances related to the account agreements I have with the reporting company. 

Validation of Debt : Clear and indisputable documentation of the consumer-credit contract, bearing my lawful signature, which outlines the terms and conditions I agreed to and may have led to any derogatory marks on my account history. 
The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and relevant state laws mandate that all reported information must be accurate and verifiable. In this case, the necessary validation and competent evidence seem to have been overlooked, resulting in the incorrect reporting of the repossession and charge-off status.
Product: Credit reporting, credit repair services, or other personal consumer reports

TCS is reporting this debt to the credit bureau 's beyond the 7 year statute. The original delinquency for this debt was XX/XX/XXXX, the judgement was issued XX/XX/XXXX. The foreclosure on this property extinguishing the debt was XX/XX/XXXX. All of this information has been provided multiple times to Thunderbird Collections.
Product: Credit reporting

I have disputed this bankruptcy with Experian and also asked for method of verification. They have not given me this information they stated that they verified the information with a third party vendor. I have been to the court to ask for them to show me the information they said that they can not verify information. The clerk told me that they NEVER EVER report anything to any bureaus or vendors and they do not verify anything with the bureaus. The credit bureaus are not validating any information with the originator of this said account this said account was not even reported by the courts that is said to be reported. A third party is hear say and is not validation. Experian owns this third party vendor as well. The courts cant and wont produce my signature on any paperwork so i am asking again for them to remove this inaccurate account. Or Send me method of validation with the courts and the name and contact information from this person so that i can dispute directly with that person because this is inaccurate. Third party is not valid. If the courts wont produce a contract i am asking for Experian to produce my wet signature that is being used to validate this bankruptcy.
Product: Checking or savings account

It was back in XX/XX/2022 I was charged {$75.00} and {$35.00} in bank fees they wouldn't wave it so I paid it than in XXXX of 2022 I was {$35.00} overdrawn and they just closed my account.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXX XXXX XXXX XXXX XXXX {$56000.00} I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a consumer report on my trans union credit report that says to verify my identity and it is being taken as a fraud alert by bank underwriters that are reviewing my credit report for a morgage loan. On my Transunion online portal it says i have no fraud alerts set so i cant remove it there and i also tried calling trans union and they directed me to that same page in my portal that i had just been on that said i had no fraud alerts and when i said i was looking right at the fraud alert he said maybe it was from another company. I looked at all my reports its only on the trans union report. It says it has no expiration and i need it removed from my report as soon as possible. Anything you can do to help would be appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX CARD that starts with XXXX and XXXX XXXX that starts with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Citibank I have reached out to these companies, my credit report says I have open delinquent accounts with them. They are saying they have no record of any open accounts under my name.
Product: Money transfer, virtual currency, or money service

I have cash app and last Thursday a friend sent me XXXX. I did instant cash out and never received my money. Now they have taken it out of my account twice more and now owe me over XXXX dollars. I have tried on many occasions to get my money with no resolution and i personally believe I was scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have rights under 15 USX 1681.

Equifax is governed by 15 USX 1681, and they violated my rights numerous times. I demand the accounts listed below be removed ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USX 1681 ; I have the right to privacy and I did NOT give Equifax permission to furnish these accounts
Product: Debt collection

ALDOUS is claiming that I owe them {$270.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

I verified my credit report and I found several inaccuracies on my account. This account is hurting my ability to obtain credit. I will need the you will investigate these items for me to ensure accuracy. The item is : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Product: Credit reporting or other personal consumer reports

Capital One carelessly let someone open an account in my name when i contacted them to let them know that my personal information including my cards, passport, cell phone have been stolen while i was out of the country. Now this account is showing up as a hard inquiry on my account and the credit bureau agencies require capital one to give them the authorization to take it off my account. 

Capital needs to be fined for their incompetence. I do not even understand why such a financial institution like this even exists after i warned them that my belongings have been stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion confirmed verification of accurate with a disputed XXXX XXXX  account. I requested reinvestigation procedures within XXXX. I have not received the requested information.
Product: Money transfer, virtual currency, or money service

On Monday XXXX XXXX I was selling a dress on facebook market and the person named XXXX XXXX who bought my dress asked for my name and phone number under my account to XXXX  me the money and thats what i did but then i got emails from a fake XXXX email saying to follow procedures to receive the money and one email had said to XXXX  {$600.00} to verify your identity but it will be refunded and another said that the person sent an extra {$600.00} to me by accident and to refund it and said to XXXX {$770.00} to finally receive the money fully to verify. I then realized that the XXXX email was fake and the person hasnt been answering me ever since. Ive lost {$1900.00}. The XXXX emails look real and when I did some research the XXXX email address was fake. I called chase and told them the situation but said its not covered since it was a scam and I authorized the transactions even though I was INDUCED. Chase didnt want to do anything about it as well as XXXX XXXX Ive never done this before and there shouldve been a courtesy refund or something. XXXX  a college student who isnt working and barley has money to live off of. Very unfair that people are covered under fraud and not scams.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having one of the nation 's highest interest rates, yet failed to notify account holders about the superior rates offered by the XXXX XXXX XXXX account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Saving ACt. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting or other personal consumer reports

Companies and credit bureaus refuse to provide proof of alleged debt. Under the FDCPA I have the right to request proof. The credit bureaus and companies continue to refuse to provide proof. These COMPANIES AND CREDIT BUREAUS continue to report these debt false while totally ignoring the laws under 15 USC 1692g SEC. 809 ( FDCPA )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I got to get passes XXXX XXXX 's organized crime gangs that block me from viewing my real credit report. I am again at the XXXX CA public library surrounded by people angry over me typing this. Meaning they are viewing everything I am doing on my phone and computer. They will have all my personal information. Please do something about these people and this issue. 
Okay So, I've reported before that my ex-wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been using my information, my parents information, my brother who is deceased information and my Son who died information. She is assisted by basically the Mob I mentioned surrounding me and my Brother XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX. 
XXXX isn't even supposed to be in the country do to stabbing me in the arm. It was an agreement she made to avoid criminal prosecution in XX/XX/XXXX. 
She has been terrorizing me along with many gang and political organizations she misuses for person harassment and revenge. 
Recently I seen many many many inquiries, wrong ss #, mispelled my last name, changed information at the social security office such as my Mother 's name, stole my credit and created a XXXX XXXX XXXX XXXX XXXX And obtained tax programs and government grants. 
Also a salesman named XXXX from XXXX 's discount in XXXX CA XXXX. I bought a XXXX XXXX si at the end of XXXX. He scammed me by calling me every few days and saying he messed up and I needed to sign a new contract. It's a scam run by the auto dealership and this salesman. I basically bought 10 cars. 
I'm pushing to get my social security number changed and my ex-wife prosecuted and file a lawsuit against California. 
Please do something immediately
Product: Student loan

Had Federal Student Loans that use to be with " XXXX '' servicing. Since thediscontuation with " XXXX '', the Department of Education has moved my loanover to " XXXX XXXX ''. Received notification on XXXX XXXX that myborrower defense cases were approved for discharge. Was informed via phone from '' XXXX XXXX '' that it would be up to 180 days for the full discharge to becompleted. This would have put the date at XX/XX/2023 for a completion date.Today is nearly 2 months past the date. Have sent countless emails to " XXXX '' along with the Department of Education, asking for when the discharge willbe completed along with appropriated refund amount. However each one XXXX Department of Education and XXXX XXXX ) are pointing at each other of whois suppose to complete the discharge.
Product: Credit reporting or other personal consumer reports

my information has been breached by several companies, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX medical billing XXXX of the third-party vendors that I have used in the past there is a huge disparity with experience XXXX XXXX XXXX versus the other third-party for profit organizations reporting XXXX. They should be consistent throughout. I should have not had any requires inquiries for the last two years. I should not have any late pays at all as I have never been late on any of my bills and I am not understanding why my credit score is so low and they are not explaining and you call. It refers you to an automated system. You can not speak with anyone XXXX the other third-party for profit organizations reporting XXXX. They should be consistent throughout. I should have not had any requires inquiries for the last two years. I should not have any late pays at all as I have never been late on any of my bills and I am not understanding why my credit score is so low and they are not explaining and you call it refers you to a automated system. You can not speak with anyone. I have done it for an entire month and they are affecting my ability to credit. as well as they have an accurate information on my employment, my name and my gross income, which I do not want provide it to this company because I did not give them authorization.
Product: Money transfer, virtual currency, or money service

I have an account with PayPal and PayPal credit. I get my statements emailed to me each month, and pay the " balance needed to avoid fees ''. I recently received a statement with a late fee of {$39.00}. I pay directly from my bank, XXXX to PayPal. XXXX shows that it takes two days to process. I went online to check my PayPal account, and searched my transactions going back to the beginning of the year. There are no late fees posted on line. I called PayPal and reviewed my statements and PayPal has been posting my transactions a day after the " due by date ''. They blame the bank. 

The reason for my complaint is that I check my transactions online. They do not post late fees online, only on the physical paper statement which I don't check. I know this is my fault. I reviewed the account statements with the customer service representative and it turns out four times this year my payment was posted a day late and I was charged a {$39.00} late fee on four separate occasions. None of these late fees appear on my PayPal activity. Had they posted the late fees online, I would surely have seen this. 

While I take full responsibility for my actions and not checking my paper statement each month, the fact that they knowingly do not post these fees on my online statement activity leads me to believe that this could be a large problem for many other people. 

I feel that this is a fraudulent attempt by PayPal to charge fees that their users who rely predominantly on " on-line '' statements will not see.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX holds our lot loan that matured in XX/XX/2021. While in the process of refinancing the loan, XXXX XXXX erroneously reported to XXXX, XXXX, and TransUnion a 30 delinquency even though we continued to make our regular on-time payments. The credit bureaus started reporting this delinquency on XXXX XXXX, XXXX reducing my credit score by 44 points. 

On XX/XX/XXXX XXXX took negative action against me by reducing my credit limit to the current balance which also inflates my debt to income ratio increasing the negative impacts. 

On XX/XX/XXXX, XXXX XXXX XXXX sent a letter confirming the error, while also stating they sent a correction to the credit bureaus. 

On XX/XX/XXXX, I submitted a dispute to XXXX but received a notice that it will take 30 days to remove. 

Since this delinquency is an admitted error, it should be removed from my credit report immediately mitigating the risk of other creditors taking additional negative actions against me. 

As of today, XX/XX/XXXX, it's been over a month, and the delinquency is still being reported. 

My husband and I are struggling to overcome the devastation COVID caused to his business, working to refinance our mortgage that is current in forbearance and while our situation is improving, this error can devastate us. 

PLEASE HELP US QUICKLY. THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get a copy of my equifax credit report online ( XXXX and XXXX worked fine ) and was unable to get a copy of my equifax report. one week later I tried to get a new mortgage from a bank, and they could not access my information on equifax. I called equifax and they will not tell me what the problem is. They told me " they will not finish '' their investigation of my report unless I send in documentation. I have to submit copies of my Social Security card, Prove my address, Photocopy of drivers license, IRS tax forms, ... I asked what the investigation/review was for they would n't tell me. XXXX XXXX told me they would n't do anything with my credit report unless I sent everything to them. I again asked why there is a review of my report and what that meant, she replied " i already told you you have to send in the information ''. I thought everyone could get a copy annually of their credit report. I guess you can unless they are magically reviewing it. Which has happened the last few years with equifax. I am only complaining this year because now it is affecting me getting a mortgage. My lender has a policy that they view all XXXX reports.