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

I have been disputing information on my credit report with Experian since XX/XX/2023. Since then I have also disputed these same items XX/XX/XXXX and XX/XX/XXXX. Giving Experian XXXX days each to furnish proof of the requested item I disputed. Each time within XXXX days the account just come back verified with NO PROOF of investigation and NO PROOF of late payments or even the accounts as I requested. I also reached out to XXXX in regards to bankruptcies that are on my credit profile. XXXX said they are only showing XXXX chapter XXXX and Experian is showing XXXX bankruptcies. While my XXXX is not showing any bankruptcies. Also the XXXX account is showing as a charge off with a credit limit which is a reporting violation. The XXXX and Self account are showing late payments in which I asked for proof of late payments XXXX XXXX and have not gotten it. I am requesting that these bankruptcies, the XXXX, XXXX XXXX, XXXX and XXXX XXXX accounts are removed from my credit report ASAP as they have had over XXXX  days to complete their investigation and furnish proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously complained about Wells Fargo. They stated my issue would be resolved by XX/XX/XXXX. They called onXX/XX/XXXXto say it would not be resolved for 2 plus weeks. They have the information about their practices and their deceptive dealings with customers and they are stalling in a resolution
Product: Bank account or service

I have XXXX different loans with Navy Federal Credit Union that I got behind on atleast XXXX payments about 6 months ago. I called the credit union and make payment arrangements and they were very helpful over the phone. The representative stated since I ' am a long term consumer that they would off set my finance charges and adjust my credit history to paid asgreed. A couple of months has past since the last conversation with Navy Federal and at this time their agreements were not satisfied per our conversation. My monthly payments are getting outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. 
XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan through credit acceptance corporation back in XXXX i fell into a hard ship then co vid 19 came i was totally out of work the company said i was eligible for covid relief i didnt have to pay instead they charged me anyway i spent several months give the car back because it was not a good car i was way over charged in XX/XX/XXXX the company came got the car back in their possession then the rates went threw the roof like XXXX dollars i cant afford that this has destroy my credit i cant get nothing approved im living in motels and renting rooms from friends i want this off my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting Act XXXX Account # XXXX, Has violated my right. 

15 U.S.C 1681 section 602 States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Product: Debt collection

BANK OF AMERICA REPORTED CHARGED OFF CREDIT CARD THAT I HAD NEVER BEEN APPLIED NOR ASSOCIATED WITH. I MADE DISPUTE WITH BANK OF AMERICA AND 3 CREDIT BURUEAS AS WELL. BANK OF AMERICA SENT ME LETTER STATING THEY DECLINED FRAUD CLAIM AND DIFFERENT AMOUNT WHICH IS WAY LESS THAN WHAT IT REPORTED ON MY CREDIT REPORT. 
ON MY REPORT IT REPORTED I OWED {$21000.00} BUT LETTER BANK OF AMERICA SENT WAS {$17000.00} THIS HAPPENED LAST YEAR WHEN PANDEMIC STARTED AND DUE TO THIS WRONGFUL INFORMATION ON MY CREDIT REPORT I WAS NOT ABLE TO OBTAIN ANY LOANS SO I LOST MY BUSINESS. THIS IS SOMETHING NEVER LET IT HAPPENED AND ALSO THEY DID PUT JUDGEMENT FOR WRONG AMOUT AS REPORTED. IM ON PROCESSING OF WRONGFUL JUDGEMENT. 
PERSON LIKE MYSELF DO NOT HAVE POWER AND BIG COMPANYS DONT LISTEN TO WHAT PROBLEMS IT CAUSED TO WHOLE FAMILY BECAUSE OF WRONG INFORMATION ON MY CREDIT REPORT. I HAVE NEVER MADE 1 LATE PAYMENT AND NEVER HAD ACCOUNTS WITH BANK OF AMERICA. 
THEY CLAIMED THEY VERIFIED BUT WHAT CAN THEY VERIFY AND WHATS THE OUTCOME OF VERIFICATION. THIS MADE MY WHOLE FAMILY LOST WORK AND BUSINESS. MY OTHER CREDIT CARDS LIMIT REDUCED BECAUSE OF THIS INCIDENT NO ONE HAS TAKEN REPOSIBILITY OF. 
AS I HAVE RIGHT TO ASK HELO TO SOMEONE WHO HAS POWER TO LOOK INTO THIS AND I CANT JUST WAIT ANY LONGER AND FIGHT WITH BIG BANK LIKE BANK OF AMERICA. 
BY THE LAW THEY HAVE TO MAINTAIN ONLY ACCURATE INFORMATION REPORTED TO CREDIT BUREAUS BUT THIS CASE THEY ARE NOT DOING ANYTHING BUT WRONGFULR JUDGEMENT AND WRONG INFORMATION REPORTING. I NEED HELP ON THIS MATTER IM XXXX YEARS OLD AND THIS IS IMPACTING A LOT ON MY FINANCIALS WITH SOMETHINGI HAVE NEVER DONE WITH. I ASKED THEM TO PROVE I APPLIED AND DOCUMETNS WE SIGNED OR ANYTHING BUT NEVER PROVIDED ANY VERIFCATION OF DEBT
Product: Debt collection

My Mother-in-law passed in XXXX. She left my wife her childhood home. The company renewed the lien for a XXXX XXXX  balance of a XXXX XXXX XXXX XXXX XXXX XXXX. We contacted the debtor and they refused to talk or work with us as they knew the house was being sold. They told my wife that they do not negotiate on real estate properties period. We were charged over XXXX XXXX for the deceased partys debt that had nothing to do with us.
Product: Checking or savings account

I submitted XXXX fraud claims in my checking account and it was denied. I had lost my card and called the bank immediately when I saw the transactions that are unauthorized. Navy Federal denied my claim and is taking the provisional credit back. Now I do not have enough money to pay my rent. I will be overdraft. I tried to tell them my situation but they told me they will not provide credit. instead I could appeal the decision which will take months. I do not know what to do. I am poor. I just lost my parents and I have no one to turn to. 

I claim I was given notice. the other claim no notice at all and they just deducted the money from my accouhnt
Product: Money transfer, virtual currency, or money service

I used Cashapp with no issues for quite some time. on XX/XX/XXXX, I accidentally requested a refund of funds I paid someone using cashapp in the amount of {$300.00}. It must have happened with Cashapp open on my phone in my pocket. Cashapp removed the funds from their account but did not return the funds to me. I still had to repay those funds to the person whose account it was removed from, without question. Currenlty, it says " pending, will refund by XX/XX/XXXX. Cashapp closed my account within one day of the transaction. When I contacted Cashapp, multiple times, one agent said that if they cance your account while money is in the transfer process, it suspends the transfer. This is a known issue according to the agent. They refused to give a reason why my account was closed.This was recorded and can be pulled from Cashapp customer service. They then escalated me to a supervisor who refused to help in any way and would only refer me to the bank the deposit was being sent to. He could not have been more rude or unhelpful. I can forward the email thread, if they like.The bank, who I have used since XXXX, has no knowdlege of any pending payments. As of right now, Cashapp has {$300.00} of my money, which is a lot to the average person to just have stolen from them by a company and told where to go. They knew it was going to happen and that they could keep the {$300.00}. They do it all the time.
Product: Credit card or prepaid card

Navy Federal mailed out my Visa Platinum card and either it was lost in the mail or they had mailed it to the wrong address, I did not receive the card and fraudulent transactions were made on the card by some unscrupulous person in the amount of XX/XX/2021 {$3200.00} XXXX XXXX XX/XX/2021 {$1000.00} XXXX XXXX XXXX I contacted Navy Federal Credit Union and they refused to do a adequate fraud claim. I called both companies my card was fraudulently charged at and they agreed to refund the money if they receive contact from Navy Federal Credit Union but instead they disrespect me and hang up the phone on me when I call and saying I have to pay the fraudulent claim. It is terrible over there. The credit union misled me about its debt collection practices and also unfairly froze customers out of their own accounts without adequate warning, affecting me and also canceled my Visa signature rewards card without me knowing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries on my XXXX XXXX XXXX equifax XXXX report that I did not authorize an they are direct violation of my rights to privacy per 15 usc 6801 ( a ) They are also in violation of 15 usc 1681a- ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX/XXXX  XXXX  XX/XX/XXXX -XXXX/XXXX XX/XX/XXXX -XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan, title loan, or personal loan

I had applied online to ace express for a loan back in XXXX or XXXX of XXXX I received the money but decided that I didnt need it. I called then to let them know that I no longer need it once I did that they gave me a website to send an email saying that I no longer need the loan. Tried to send the money back and there system was not working on getting it back they kept saying that my bank was not allowing the transfer. I called my bank and my bank said that they were the ones that was not letting the transfer go through. I took the money out to try to add to a different XXXX card to send it back but it was doing the same. They told me to open a new bank account and give them access to it so they can take the money out. I said I wasnt going to do that, they already have my bank card info, that they shouldnt have any issues getting the money back. I tried and tried and they were saying that I am the one that didnt want to pay it back when I kept in contact with them and tried to send the money back. Well I Lost my job in the process of trying to get them to take the money and they kept calling and I kept telling them that I no longer have a job and can not pay at the moment. They kept calling and kept adding more interest into the account and I am still with no work. I kept telling them that I can not pay. Once I have a job then I can maybe pay little by little and they said that I had to pay the full amount at once. Months past and never heard from them. I finally received a call from a law firm called XXXX XXXX XXXX saying that I have till XX/XX/XXXX to call them regarding a complaint about me. So I called and a guy answered I gave him my name and he looked me up. I asked what it was about and why I am being sued for {$1500.00}. He said it was from ACE Express and that I will receive a court date on Monday or something this coming week on when I have to appear. I said I dont understand and he simply hung up on me without saying anything else. I am so confused why do I need to go to court when I tried to pay them and they never took it and never got call, mail or email from them and now they are calling saying that.
Product: Checking or savings account

THIS SUBJECT HAS NOTHING TO DO WITH OTHER ISSUES ABOUT CHECKING DIFFERENT SUBJECT
Product: Credit reporting, credit repair services, or other personal consumer reports

ONLY NAME THAT SHOULD APPEAR : XXXX XXXX Multiple incorrect addresses showing on my credit profile XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Incorrect information : Most Recent Employer Employer Name XXXX XXXX XXXX Previous Employer Employer Name XXXX XXXX XXXXIn addition : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX *** duplicate inquiries : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights XXXX15 U.S. Code 1681s602a-Section 1- I have the right to privacy -15 U.S. Code 1681s604a-Section 2-It also states a consumer reporting agency can not furnish an account without my written permission
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/2024 ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This relates to the previous complaints # XXXX ( Submitted XX/XX/2019 ) and XXXX ( XX/XX/2019 ). 

Equifax is " zombie-walking '' the original complaint - first 1, they repeated their unlawful behavior by prohibiting our free right to to conducting commercial business as it refuses to unfreeze our account. Then 2, they couldn't find the account ( see previous complaint ) using an erroneous version of our name. This is an abject failure to do provide a service we have NO RIGHT to refuse and are beholden to. Then 3,  see attached, the send an administrative note to guide self-management of our account WITHOUT a PIN!!! Clearly there is no interest to provide a service because it is NOT A SERVICE, it is a mechanism to profit of people 's personal information. 

Are we going to go in circles here. We are building a good case to take to congress here en masse.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion in regards to fraudulent inquiries being listed on my credit report. I have been battling fraudulent activity on my report for quite some time and I am in need of immediate action. I was a victim of fraud.
Product: Mortgage

Mortgage with Watermark. Signed up for estatements and never receive them. Called them several times and they promised to correct errors, said Im one estatements, getting them but Im not and they havent helped me at all. They have my correct email address and the statements are not going to spam. Theyve only stressed me out and made me angry. I have XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  Im dealing with a lot of stress and I need my statements to keep it together and make payments on time. I pay all my bills on time, always have and have an excellent credit rating. Told them I wont be responsible if they dont send my statements. Ive been late twice but paid soon after. Was told I wouldnt be charged late fees cuz it was their fault. Also promised not to report me and ruin my credit rating. Tried to pay my mortgage in XXXX for both XXXX and XXXX. They wouldnt let me. Said they were changing companies to make payments to and they couldnt accept payments until XX/XX/15. I want to pay my mortgage but they wont let me. XXXX XXXX XXXX I received notices from XXXX and XXXX XXXX saying Im delinquent, its going on my record, they dropped my rating by XXXX and XXXX points and said this will be on my record for XXXX XXXX. Im irate cuz this ruins my credit and XXXX have problems getting loans, buying cars etc. I filed XXXX complaints with the XXXX after getting nowhere with them. They havent responded to either one. I called all the credit agencies and they said they can work on it but it takes 30 days for a response. Until thenmy credit is ruined. Its unacceptable.
Product: Debt collection

Received a call from XXXX XXXX XXXX XXXX claiming they were from the company, LendingTree and they were attempting to collect payment for an outstanding dept. Asked for last ( 4 ) of my social and then continued to get me to pay {$240.00} payment to satisfy delinquent payment. I never had an open account with LendingTree. I attempted to get more details and eventually disconnected the call because he wasn't providing me supporting documentation. I then called LendingTree to confirm that I did not have an account with them which they agreed. I then attempted to call the person back and the phone number above and I got a voicemail with a woman 's voice ( not the caller ) and no way to leave a voicemail.
Product: Debt collection

My husband got sick with XXXX and could not work so we had to use credit cards to buy groceries and his medication. We also had a water main break at the house and that was costly. When our bills became to much we reached out to a company called XXXX to consolidate our credit cards. All they did was collect our money of over {$3000.00} and have only sent a little over {$300.00} to one of our creditors. One creditor they ignored and the creditor was going to take us to court so we had to take out a loan to pay that creditor off. We told XXXX XXXX to take the {$3000.00} and pay off the other two creditors and they refuse to do so. We have called 4 times. They said over {$1600.00} of the money belongs to XXXX for us being a client. We do not think they are going to settle any of our accounts that they are just collecting money for themselves. We ask for a refund and they said only thing they can refund is {$1000.00} of the {$3000.00} because the rest belongs to XXXX XXXX.
Product: Credit card

I had an open credit card with commenity bank ( zales account ). Someone accessed my account and made a XXXX $ payment from my personal banking account. They requested two credit limit increases. One was approved. I have contacted them multiple times and so has the detective that I am working with. We are attempting to get the IP address of the person who accessed the account. The username and password were changed on XXXX ( I think ) the second request for an increase was sent on XXXX. We were told to mail a request to the address they provided on letterhead and that they would send us the information. It has been a couple months now with no response from them.
Product: Student loan

ECMC continues to send me emails about a student loan account I do not have. I have called numerous times and sent emails letting them know I am not the intended recipient of the emails and that I do not know who they are ; me and my father share the same name and neither of us have student loans. The social security number ECMC has is not mine. The address on file also is not mine. When I spoke with the telephone representative on XX/XX/XXXX they understood that I was not the person they were looking for and I asked that they kindly remove me from email notifications. I have no records on my personal credit report of ECMC. I have received nothing in the mail from them. I simply wish that they stop contacting me regarding a loan that I do not have.