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

In XX/XX/2023 I contacted XXXX XXXX XXXX regarding a 30 day late payment reported on my credit report to all 3 major credit bureaus in XX/XX/2023. I advised XXXX XXXX XXXX I did not receive a monthly billing statement for my first payment and my account was set up to receive monthly billing statements via mail. I also advised XXXX XXXX XXXX I did contact them via phone regarding my first billing statement and due date but I was told to call back due to some technical issues XXXX XXXX XXXX was having so I was unable to receive any information regarding my account. I later spoke with a XXXX XXXX XXXX regarding having the late payment removed from my credit report due to not receiving a monthly statement via mail, I was denied that request and told I should have downloaded their app for updated information. I spoke with a second representative with XXXX XXXX XXXX who did confirm I should just down load their app and not wait on a billing statement but she did assist me with putting in a request to have the late payment removed from my credit report which was denied. As a consumer I opted in for monthly billing statements which was denied by XXXX XXXX XXXX unlawfully. After a little research I have found XXXX XXXX XXXX has made this a practice to not send monthly billing statements to its customers and force its customers to use their app or website ( which are both terrible ) who have opted in monthly billing statements to be mailed. XXXX XXXX XXXX is deliberately committing these practices while charging late fees and negatively impacting its customers credit for profit. As a consumer I shouldn't be forced to use an app or website. I opted in for a monthly statement to be mailed for my benefit not for that to be used against me.This company is preying on consumers who need help. Please Investigate ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone hacked into all 3 credit bureaus. Changed all contact information and applied for credit up to 13 times under hard inquiries. XXXX and XXXX XXXX corrected on phone call. Equifax needs a Presidential Signature to correct. Want me to fill out here, or make a police report. 
Address that is not mine XXXX XXXX XXXX ; XXXX XXXX, FL XXXX XX/XX/XXXX Hard Inquiries that are not me. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX  ; XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute to Bank of America about the reporting of transactions on my credit report without the written express instructions to report to the credit reporting agencies. The false reporting resulted in late payments being reported without my consent. This was a violation of 15 USC 1681b-Permissible Purpose. When I attempted to investigate the reporting of the information with Bank of America, they replied that they could not locate the account. To resolve this matter, I would like for Bank of America to remove the false reporting account from the credit bureaus ( XXXX, XXXX, and XXXX ).
Product: Checking or savings account

CapitalOne refuses to unblock my account from allowing external app access.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX BANK - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXXXXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was enrolled in the Network Administrator program at the XXXX XXXX XXXX XXXX and attended for about a month then our program was shut down due to COVID. 
Unfortunately, we ( all of the students ) couldnt continue our schooling as the pandemic continued to cause delays in us returning to the classroom. 
To my surprise I received a bill for $ XXXX stating I owed this money for the program I wasnt ever able to complete, due to the pandemic. 
Then, I received a credit bureau alert stating that my credit scores had dropped by XXXX points because a collection agency by the name of XXXX XXXX added a new collection for $ XXXX to my credit report. When I researched this further, I realized it was for a debt that was in no way owed by me to XXXX XXXX. 
I contacted XXXX XXXX at XXXX XXXX XXXX XXXX back in XX/XX/XXXX requesting assistance to get this resolved however I never heard back from any. I am asking that the CFPB please step in and help me as I dont owe this debt as I wasnt ever able to attend the classes I had signed up for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX shows late for XXXX, XXXX and XXXX on all 3 credit bureaus but it was not late in those months
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been Paying Carmax on an auto finance loan for over a year and they are not reporting to the Credit Bureaus to report positive payment history. They are not reporting to the credit bureaus at all for this account. I have reached out multiple times to fix this report but they have not resolved this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX  XXXX  Military deployed or assign XXXX  for most of the past decade. 
I am a homeowner in New York, my Home of Record. In XXXX that property was damaged by flooding by Hurricane Sandy. My Mortgage was with XXXX XXXX   but was serviced by PHI Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX NJ XXXX Phone XXXX XXXX XXXX. Continues to report negative information on my name to the credit bureau years after the Mortgage company was transferred to the current mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I received a text message from PayPal and it stated that I made a payment to some man. I do not know this person and I was talking to the people at this phone number ( XXXX ) XXXX he hung up on me when I stated that I was reporting this to the FTC. 
I have a picture of the message.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting a credit card approval. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received multiple emails from XXXX XXXX XXXX for " XXXX rewards ''. I signed up for none of it. Someone used my name to open accounts. There was also a credit card agreement from Bank of America emailed to me on XXXX. I checked my credit report and saw there was a inquiry posted to my report from XXXX by Bank of America. On XXXX, I emailed 2 different Bank of America addresses ( abuse & security ) multiple times to inform them of fraudulent account activity. I have gotten no response. I contacted by chatting live on Bank of America website on XXXX. I said there was an account opened under my name. Gave my name and birthdate and a partial account number from an email i got. They said they couldn't help! 
I have emailed Bank of America security/abuse again with hopes to remove account. 
I have opened no credit cards or loan accounts of any kind this year.
Product: Checking or savings account

On XX/XX/year>, an unauthorized transaction of {$1000.00} through XXXX was completed and reported to SoFi Banking. 
On XX/XX/year>, an unauthorized transaction of {$990.00} through XXXX was completed and reported to SoFi Banking.

After only two days, my report for fraud in the amount of {$990.00} was denied. Banking management advised me to appeal and request documentation. Upon follow-up, I discovered that a report of fraud that occurred on XX/XX/year> was never taken. Banking Management took my complaint and issued a fraud report. Two days later, I received an email stating my claim was denied. I appealed and requested documentation used to determine their outcome. 
Additionally, I completed a police report with the XXXX Police Department.
Product: Mortgage

Shellpoint since XX/XX/2019 has failed to ensure a single point of contact to address my issues with payments, escrow, late fees, etc. 

Shellpoint since XX/XX/2019 has mishandled my mortgage loan since transfer from the other servicing mortgage XXXX.
Product: Credit reporting or other personal consumer reports

I called and they looked for my SSN and told me that I did not have an account with them. I reported to XXXX and I was sent an email from XXXX that information report was accurate.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
I

nternal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXNearly every account on my credit report still have inaccurate, incomplete information regardless of several disputes this year and a phone call today. They always come back accurate/verified and then nothing else happens. Failing to report things as important as opening date, closing date, highest balance, etc. as required to do. When asking who the 3rd party was that was verifying this information, the rep did not know who. From my research it appears to LexisNexis previously and now XXXX. When I look at my LexisNexis Report, the information does NOT match what is on any of my credit reports. The Bankruptcy Court said they do not report to anyone so the data is not coming from there and would be wrong anyway. Are the credit bureaus taking short cuts? *phone call recorded XXXX2019XXXX was a dispute, closed XXXX.19 stating accurate and remains. I found that to NOT be true. Over the last several months there were many, many errors I had to dispute. I did so via the mail, online and on the phone.
Product: Student loan

I never could decrease the amount to be repayed and the amount even being on XXXX has been fully handled fairly. The school I attended due to homelessness and lack of employment did not allow me to keep up with the monies I owed. As of the XXXX of XXXX I was approved for XXXX with the catch being if I make over {$16000.00} I would have all of my loans reinstated. I find that to be unfair and I fear being put back in debt with no regard for the cost of living with basic needs being met on my income. I 'm allowed not to make over {$1000.00} per month with social security, yet if I make over {$16000.00} I will have to pay over {$60000.00} in student loans back. This has me feeling like I will just drown and not live productive. Please help me figure what to do. 

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

In XXXX I sent First Financial Asset Management, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX, a letter to validate the debt and ask them to have the collections account removed due to it being inaccurate. The amount of alleged debt owed is {$190.00} for XXXX XXXX. They responded with a letter on XX/XX/2020 stating that they have closed the account and will have it deleted from all the consumer credit reporting agencies. The Collections account is still being reported on my XXXX credit report. They are violating many of my rights as a consumer.
Product: Credit card

I just received a credit card bill in the mail from Fortiva Retail Credit for {$51.00}. I never opened this account. I have a charge for {$49.00} described as an annual fee ( posted on XX/XX/year> ) and a {$2.00} charge for a paper statement fee ( posted on XX/XX/year> ). When I called Fortiva customer service, they asked for a social security number and I denied giving them that info as I never gave that info to them to begin with. Im afraid there is a larger scam that will take place if I provide them with my social security number.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I have become a victim of identity theft. 
Icontacted the Federal Trade Commission and filed a FTC complaint which is attached. There is an account on my report which does not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiry be deleted from my Transunion credit report immediately. 


Please remove the following unauthorized hard inquiry from my Transunion credit report : XXXX XXXX XXXX  - XX/XX/year> Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I contacted Chase Visa United Explorer credit card customer service on XX/XX/2022 to close my account. I did this ( as confirmed by Chase in the attached letter ), but the request was not processed due to unnamed " technical reasons ''. 


I accumulated several unauthorized charges because Chase did not close my account as promised. These were mostly subscriptions that I intended to lapse. Chase is responsible for these charges, as even their customer representatives will acknowledge to me. I have spent many hours on multiple occasions trying to resolve this since my initial call, all for a lousy {$220.00}. 

How many others has this company treated this way? I'm sure they will consider paying up adequate to resolve this. I think their business practices need scrutiny. My time is not cheap either.
Product: Bank account or service

I went to the ATM on XXXX the XXXX and deposited XXXX checks XXXX for XXXX and XXXX for XXXX which brought my balance to over XXXX. I pulled my account up on line the next day Monday the XXXX, and my statement was showing my Balance as XXXX and my available balance as XXXX. My deposits were pending and so were my debits. XXXX Monday night they put all my debits through including a check for XXXX at XXXX. Then at XXXX they released my entire deposit. According to the person I spoke to at the bank ... they put the withdraws through first at midnight, but do n't put the deposit in until the am. They claim it was XXXX different days. Therefore purposely over drafting my account, and charging me XXXX. But yet if you pull my statement you will see no where, where I was in the negative. I called the bank to ask that they waive the XXXX they refused. They also did this back in XXXX. I had a direct debit come out of my bank at XXXX XXXX, and at XXXX in the morning I had a direct deposit come through my bank. They said I did not have enough money on the XXXX Knowing that I had a direct deposit coming through in the am ... something needs to be done about this how can you overdraft knowing there is a deposit coming through hours later. I think this is very confusing the way they are doing business, and they purposely do business to confuse the consumer.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

A credit card was placed for collections with XXXX XXXX XXXX. The matter was set for a hearing in XXXX County Circuit Court ( Case # XXXX ). Prior to the hearing, I contacted XXXX and we reached a settlement in the amount of {$750.00}. Two payments were to be deducted from my account on XXXX XXXX and XXXX XXXX, 2016. XXXX agreed to dismiss the case pursuant to the settlement. The payments were made and the case was not dismissed. I filed a motion to vacate the judgment. I also contacted XXXX and was advised that the attorney handling the case had made notations in the file that the case had been settled. My credit score has dropped with all three bureaus because the public record of a judgment has been reported. I also moved and now will have to travel 2 1/2 hours for a hearing that is unnecessary. I have fulfilled my end of the settlement terms and XXXX has breached the settlement agreement to my detriment. I am pretty sure that I was denied an apartment w/o a co-signer as well as may have my pending refinance application for my vehicle denied because of the erroneous reporting of the public record.
Product: Student loan

XX/XX/XXXX, I applied for updated forgiveness for my loans, of which I have been paying on them since XXXX. That's over XXXX of payments which qualify me for forgiveness
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the accounts listed below, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XX/XX/XXXX - {$2500.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

During the past 11 months, including today XXXX/XXXX/2015 @ XXXX est, XXXX and other phone numbers have called repeatably, sometimes XXXX times in a day, mostly not leaving a message but sometimes leaves a robo-message they are debt collector trying to collect a debt that is not mine. I have talked to a few, addressing I am not the person that is the debtor, nor do they or ever have lived with me and told them to quit calling me. They use the above number after having called from another number trying to collect the same debt. This is a very abusive and harassing attempt from them and I 'm sick of all them calling. I do not owe any old debts that are under 3 years. I also have had a threatening arrest and serve papers message left and saved on my answering machine. I 'm not sure if above number was that call though, but would be willing to play it so you could hear. 
Above number last XXXX calls XXXX XXXX/XXXX/2015 @ XXXX XXXX XXXX/XXXX/2015 @ XXXX XXXX XXXX/XXXX/2015 @ XXXX
Product: Debt collection

It actually falls under multiple options. They call my cell phone, my house line, my husbands cell phone, my mothers cell phone my kids under 18 phone numbers all day and night non stop. We have all requested they stop calling. I have even emailed the company telling them to cease and desist all phone calls and to please mail me regarding the debt to settle and close the accounts listed. It doesn't stop.