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

Experian has allowed XXXX/XXXX  XXXX XXXX  to add an account to my credit report that was removed 2 years ago. This item was added on credit report as of XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my 3 credit bureaus from upstart : velocity investments. I tried contacting the company requesting signed documentation for a loan thats in my name. I submitted police reports, ftc reports, but info is till on my report. I tried contacting all party with negative results.. 

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

There are two items reporting on my credit that I need to be removed. In the month of XXXX, XXXX XXXX XXXX XXXX agreed to remove the XXXX XXXX XXXX XXXX XXXX XXXX from all three credit bureaus. They have been removed from XXXX, but they have yet to be removed from XXXX  and Experian and I need these items to be removed from all three credit bureaus in compliance with the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bankruptcy Court Maryland chapter XXXX-dimissed XX/XX/XXXX, and US Bankruptcy Court Maryland chapter XXXX-discharged XX/XX/XXXX, XX/XX/XXXX, therefore, please remove these erroneous reporting from all three credit reporting agencies, Equifax, XXXX, and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the three bureaus after viewing my credit report. I saw some accounts that were CLOSED AND PAID IN FULL reporting on my credit report as Failed to Pay/ Late Payments. After writing to them and asking that they delete the late payments/ Failed to Pay because account was closed and Paid In Full I still see these negatives reporting on my Credit Report and these negatives are causing my credit scores to go down and hindering me from moving forward with my plans to improve my credit. 
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

On my credit report and XXXX account it is showing that I still owe Navient Solutions LLC student loans a balance of {$8600.00} when I made a payment to settle in full. I received a letter Saying I have a balance of {$0.00}. This was account was taken care of on XX/XX/2022. Navient hired a company by the name of XXXX XXXX XXXX to take the payment. Their information is XXXX XXXX XXXX. XXXX XXXX, XXXX, Ohio XXXX Ph. ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I sent {$140.00} to a ministry in XXXX for XXXX donation. 
The Western Union in XXXX were not operating hence, receiver told me to cancel the western union transfer and resend the money another means. 
I called western union today XX/XX/18 to cancel the transaction at the XXXX XXXX location on XXXX XXXX, PA.I spoke to 5 different western union representatives to cancel and receive the fund.None of the representatives were able to generate transaction number i needed according to the cashier at the XXXX XXXX location for the refund.I left the location frustrated and warned them that I'm escalating the unacceptable behavior to various organizations. 
I need western union to refund my money plus fees {$150.00} as soon as possible. 
FYI Tracking # for the transaction XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Child support on my credit file, so I never really used my credit, I have been paying it through my job for years and decided to apply for a small loan, this passed XX/XX/2018 and I was approved, but also found these other accounts and inquires on my credit report. I did a little research and found out what steps to take in correcting the errors. So I placed a fraud alert and file a identity theft report per the Fair Credit Reporting Act. I am attaching a copy of the identity report and would like these items removed, including the inquires accounts. I discovered through my research, that these items should be removed within 5 business days, once I provide the identity theft report. 

I also went to XXXX website and input my information and XXXX, stated the my personal data was stolen in their data breach..
Product: Payday loan, title loan, or personal loan

Note : I had this bill paid down to {$400.00} dollars. I have been out of work off and on for two years now job terminated and others jobs terminated as I am in court over my job. Anyhow fees have been added even though I have not been working and I am on XXXX XXXX assistance ( I have even been homeless ). I tried to talk to this company in the past and they are not reasonable about this bill. They are reporting it to my credit report which has hurt my scores tremendously. The company has not presented the paperwork showing the total of the bill and how it is calculated on their end. Please help me resolve this matter. 

{$820.00} Reported balance Original balance {$820.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/2019 ( 9 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX SPEEDYCASH COM XXXX TN
Product: Payday loan, title loan, or personal loan

So, Synchrony Bank has placed a lien on a vehicle that I paid for in cash outright. I have the evidence to support that and the dealership is a witness that said fact. I have the temporary title ( because I never received the permanent one from the dmv ), the retail certificate receipt of sale, the wire transfer receipts, etc. Also, my insurance company and myself have confirmed with Synchrony that I have no loan or account with them nor do I have any relationship with Synchrony of any kind. However, something that would take them all of ten minutes to do ; Which, is issue me a lien release document ; they simply refuse to do. They have refused to assist me in any way but the FDIC says I would have to retail legal counsel in order to pursue a quiet lien and that is simply unacceptable primarily given because I cant afford that ; Moreover : why do I have to fight so aggressively over something that OBVIOUSLY belongs to me? This is not okay and Synchrony is instigating an egregiously hostile environment. { lease assist me in this matter so I can have this fraudulent bank removed from MY title of MY motorbike. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending a complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file.When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$140.00} ;
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On TransUnion the date last active is ( XX/XX/XXXX ) and on XXXX its ( XX/XX/XXXX ). If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account XXXX XXXX XXXX ; Account Number XXXX
Product: Credit reporting or other personal consumer reports

My credit card ending in XXXX is on EXPERIAN web site and I dont want it stored on there They have the whole card number the date and the 3 digit code It will not allow editing out of that They have no right to store that on there Other companies like XXXX you can order something on a card and then immediately you can remove the card so its not on there in case of hacking This problem has been going on for a long time
Product: Mortgage

The loss mitigation process has once again been denied for another reason of which has to do with HAMP notification denial because I failed the NPV calculator. Is the investor of my mortgage in a better profit position by approving me for modification or would they have a higher profit margin by allowing the property to foreclose. The Forbearance and the Repayment denials are not explained thoroughly to understand the reason that has not been written or sent. It should be taken under consideration that my income for my home is more than sufficient. I have XXXX ( XXXX XXXX XXXX ) and my husband is a XXXX veteran. Our only interest is to keep our home. The denials change to a different perspective that do not help to save my home. We need assistance as to what we can do for our good cause to keep our home. All the income for my home is based on a fixed income that approximately excedes {$6000.00}. I would really appreciate all the help I can get with the bank and I 'll need further assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report, Its been far over 30 days and I have not received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company to ask why was I being charged for a card I had closed back in 2020 due to identity theft, they said a new card was open with my number and my address, but also stated all the payments were fraudulently. Yet, are claiming I am responsible as well as they have affected my credit score because it shows a 496 % credit utilization when my credit limit is only {$300.00} but they show a balance of {$1600.00}. They allowed an account to fraudulently be open and claim I am responsible.
Product: Checking or savings account

A personal check was deposited on XXXX, to my Navy Federal Credit Union for the amount of {$17000.00}. 
The bank noted that it could take up to 3 business days to release the funds. After the funds were released and deposited into my account, I used the newly deposited funds. After the funds were used, I was sent noticed that my account was not on an overdrawn status. 
After speaking with a lady named XXXX who is a representative from the bank on XXXX, she told me that the check was no good but the bank releases the funds early to their customers. The actions taken by this financial institution put their customers in a situation where the bank essentially releases the funds on an unverified check ( after 3 days of supposed/standard verification ) and after the funds are released and used, the bank bounces the check, therefore collecting fees from customers ( VETERANS ) on a completely avoidable situation they created.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX claims that I have XXXX charge off credit cards in the amounts of {$450.00} and {$940.00}. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 a account without my written instructions 15 U.S.C1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S-2 ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Analyzed credit report on XX/XX/XXXX and noticed that an unknown collector, XXXX XXXX XXXX XXXX XXXX had a derogatory tradeline posted on my report in the amount of {$1200.00}. In XX/XX/XXXX, requested validation of the debt and copy of the active bond required by the state of Texas under the Finance Code 392. Unfortuately, I did not receive this information. After reviewing the database from the Texas Secretary of State Office, it appears that XXXX. XXXX XXXX XXXX are in violation of the Bond Requirement stipulated under Section 392.101. It states that ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bon must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. XXXX XXXX XXXX XXXX XXXX has not had an ACTIVE bond in this state for quite some time and illegally trying to collect on a debt that has not been validated. According to Texas Finance Code Sec 392.101 ( b ) ( 1 ) ( 2 ), I have been greatly damaged financially by the reporting of this alleged debt that this organization can not collect legally. The bureau is not in compliance with XXXX XXXX since XXXX XXXXXXXX XXXX XXXX was not legally able to collect on the alleged debt, in fact, to even report it to the bureau. I request that this tradeline be removed from my credit report since it is illegally posted and damaging my credit standing.
Product: Credit reporting

I was denied credit. I contacted Experian to get a copy of my credit report. They would not let me access my credit report. I filed a complaint and they said they would mail my credit reporting to me. That was over a month ago. To date, I have still not received my credit report.
Product: Vehicle loan or lease

I paid off the loan on my XXXX XXXX XXXX on XXXX, XXXX XXXX. I was told the title would be sent in 7 days. XX/XX/XXXX I was told they lost my title and they needed to send me a new title and I needed to wait XXXX weeks before I was able to do anything else regardless on this vehicle. I called the morning of XX/XX/XXXX and was told no one ever submitted a request for a duplicate title and that I will need to wait once again. This is insanely irresponsible for a financial institution to be operating in this way, lying to their customers, and now that I no longer owe them anything they are effectively holding my title XXXX, preventing me from releasing it, selling the vehicle or even obtaining the title. On my call on XX/XX/XXXX I was told I need to wait a minimum of 30 days again on top of this to have them get a second duplicate title and get it mailed out. At this point I have lost all faith in Ally financial to do the right thing on their own and feel I need assistance to ensure they do the bare minimum required.
Product: Credit reporting or other personal consumer reports

I am reaching out to address multiple unauthorized inquiries on my credit report, which I believe to be fraudulent and potentially linked to identity theft. Upon reviewing my report, I noticed several inquiries from companies I have not interacted with, and I have not applied for new credit or given consent for these checks. I previously disputed these inquiries, yet they remain on my credit report, which is unacceptable. Their continued presence raises serious concerns about the security of my personal information and the potential misuse of my identity making me really XXXX XXXX XXXX XXXX
Product: Credit reporting

Dear sir/madam, as I was going through my credit report on EQUIFAX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX and Another company called XXXX XXXX XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX and XXXX XXXX XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX and XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX XXXX XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name XXXX with same account number XXXX stating that I was owing them {$200.00} This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number EQUIFAX kept saying the investigation stated that the account was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX  XXXX XXXX account # XXXX, XXXX XXXX  XXXX XXXX account # XXXX, has violated my rights. 

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 a account without my written instructions.
Product: Debt collection

I have sent repeated documents and police reports to this company showing that I do not owe this debt because my identity was stolen and they still are reporting this debt to my XXXX credit report. I want it removed immediately. This is identity theft and they can not even validate the debt.
Product: Credit card

I made an online purchase with XXXX XXXX XXXX in the amount of {$220.00} on XX/XX/XXXX. My package was stolen on XXXX. I filed a police report and have photos and video of the thief. 

I disputed the transaction with Goldman Sachs and submitted the evidence. I contacted XXXX XXXX XXXX and did not receive any help. Goldman Sachs found the merchant in favor because the package was delivered. I re-opened the dispute twice and got the same result. I called Goldman Sachs customer support 10 times and got transferred to 10 different people with no actual help. I tried to escalate to a manager and got disconnected twice while I'm in mid phone conversation with 2 different managers. On the 3rd time speaking to a manager after getting transferred around, they said someone will call me in 24 hours but I still have not received any support for refund for this situation where my package was stolen with enough evidence and police report. 

I had another package stolen on the same day by the same thief but I used a different card and I got my refund right away. 

Goldman Sachs doesn't care about the customers. The reason why I used a credit card is to be protected in situation like this - not the other way around.
Product: Payday loan

On XXXX/XXXX/2015 I spoke with XXXX different representatives at Mobiloans , LLC who XXXX confirmed with me that a payment would be authorized for XXXX/XXXX/15. Two days later they charged my account in the amount of {$130.00}! TWICE!! This caused my account to have multiple overdraft fees as I had authorized other bills to be paid. When I called them, they told me they were sorry and that it was a mistake on their end, but unfortunately there was nothing they could do about it. This company has caused me so much unnecessary stress, I would never recommend them to anyone! STAY AWAY FROM MOBILOANS!
Product: Student loan

Hello, I have XXXX in student loans held at Mohela. I have worked more than 10 years at a PSLF qualifying non-profit making payments so I qualify for PSLF. On XXXXXX/XX/2022 I submitted a final employment verification that would put me over the 120 required payment mark. It is still processing today XXXX. 

My non-profit employer has announced that my job along with >1000 others will be transferred to a for-profit company at the end of XXXX. 

On the phone today with Mohela I was told on my first call that it wouldn't be a problem. My employer asked me to call again and verify and get it in writing so I called back. With another representative I was told the opposite that there is fine print stating I need to be working for the non-profit AT THE TIME of loan discharge even if I surpassed the 10 year requirement. I was also informed that even though my application has been pending for 2 full months it is well below 90 business days and once approved there would be ANOTHER 90 business days to adjust my qualifying payment counts and then ANOTHER 90 business days to get the loans discharged. 3 Rounds of 90 business days to process is more than a year 's worth of business days so it could take over 11 years working for a non-profit to get loans discharged which was not the intent of the program.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 
( XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Date opened XX/XX/2020 Balance {$0.00} )