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

When reviewing my XXXX XXXX, I noticed a new hard inquiry from CBNA made on XXXX XXXX through XXXX. I have not registered to have any new accounts opened or made any authorization to do so. Im not even aware who is CBNA. 

Please assist me in getting this removed as this is alarming me. I was a victim of identity theft in the past would hate someone out there is reattempting it.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill. It's legal obligation under the fair credit reporting a to conduct a reasonable reinvestigation of disputed information on my credit report, leaving in accurate or unverifiable accounts. Unresolved, the XXXX  financial protection bureau c f p b has recently filed a lawsuit against experian, alleging, systematic issues such as failing to XXXX  cuz, some will provide evidence to furnishers, accepting unreliable responses, in failing to adequately notify our consumers of dispute outcomes. These failures align with my experience, where experience has neither correct it nor removed disputed.Items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate, corrective action to remove or amend the disputed accounts, is experience inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I disputed the following transactions with Bank of America because my card stolen : - XXXX AU XX/XX/XXXX PURCHASE XXXX AR - {$290.00} - WORKER CREDIT XX/XX/XXXX # XXXX WITHDRWL - {$480.00} - WORKER CREDIT XX/XX/XXXX # XXXX WITHDRWL - {$500.00} They are charging me with this because they don't believe that it wasn't authorized by me. 
They advertise " zero fraud liability '' so I don't understand why they want me to pay them. My accounts are overdrawn by thousands of dollars from them reversing credits from my account. This is so stressful I'm thinking of just killing myself because there is no way I can pay this.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX a person transferred {$1000.00} into my chase checking account via Chase XXXX. On XX/XX/XXXX my account was frozen due to it being reported as a fraudulent transaction. I was never contacted by the fraud department about the account being frozen, I always had to contact them. Their answers were always vague. I submitted all documents I could supporting my side of the situation. XX/XX/XXXX the fraud department removed the funds from my account. I received two letters, one stating it was an ATM issue and second stating it was due to an unpaid check. Both letters do not correspond to what actually happened. I contacted the fraud department to get a letter actually stating what happened and they said they couldn't because they can only send out computer generated letters. I asked if they could write me one and they said they can only send out computer generated letters that I already received.
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries on my report that were not removed and need to be immediately because of inaccuracies and unknown sources the said inquiries are XXXX cards XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaint regarding discrepancies in my credit report. I discovered inaccurate information. Under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act ( FCRA ), the XXXX major credit bureaus are required to validate disputed accounts. 
It is not permissible for these accounts to remain unverified without providing the required proof within the legally mandated timeframe. I am requesting that the following erroneous information be thoroughly investigated and corrected : XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$7400.00} XXXX XXXX XXXX XXXX : {$32000.00}
Product: Credit reporting or other personal consumer reports

After receiving notice that my personal information has been exposed during Equifax breach I pulled a copy of my credit report and noticed the accounts listed were unauthorized and I have no knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for unemployment in may. I received my reliacard around XX/XX/2020, tried to activate it and the website told me to contact the number on the back of my card. When I called US Bank they told me my account was marked as inactive, and that I should contact my state agency for more information. So I did, I called the Treasury department in Pennsylvania, and they just told me that they put my name and my account number on a list and sent it back to the bank so they could verify my identity and unlock my card. So I call the bank again, only for them to send me back to treasury, and its been back and forth since. I havent been told the reason why my card was marked inactive. I faxed the info the bank asked for ( ID, SSN, Account Number ) and did the website verification. Still to this date ( XX/XX/2020 ) I havent been able to receive my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, first let me say thank you CFPB & Experian for handling complaint # XXXX. I was able to dispute several addresses that wasn't mine. However, when i dispute XXXX  for incorrect information and the wrong drop off date Experian flag the account as already filed a dispute for this item. I haven't dispute anything for XXXX or any XXXX in months. per the message provided by Experian if I have additional information I can upload the documents. I clicked the link to upload and I've attached proof that XXXX again changed the dates. There's no notification or anything from Experian showing the documents was uploaded. XXXX account showed a written off in XX/XX/XXXX and not XX/XX/XXXX. Also the account is schedule to drop off in XX/XX/XXXX and not XX/XX/XXXX. I was able to review the online credit report pulled on XX/XX/XXXX that show XX/XX/XXXX is the drop off date & written off date was XX/XX/XXXX. I also have snapshots of that report pulled on XX/XX/XXXX and I emailed myself a copy for my record. Note : I've attached a snapshot of XX/XX/XXXX credit report showing the written off date & the drop off date for XXXX to be removed. I've also attached a snapshot showing proof that Experian would not allow me to dispute the account. The snapshots of XX/XX/XXXX credit report was the same documents I uploaded today but no receipt or any notifications that Experian received the documents.
Product: Student loan

I started repaying my {$24000.00} XXXX in early XXXX. I even made a XXXX time {$5000.00} payment in XXXX. The balance is not going down, in fact going up. When I asked Navient for a supervisor they always said 'no supervisor is available. Last month I finally called the XXXX and they referred me to a Navient XXXX line. All I got from them is a listing of payments both principle and interest, and accredue interest ( and that document clearing shows my {$5000.00} was misapplied ). Still no help. I have been repaying for 20 years now, and as of today, XXXX, my student loan balance is {$25000.00}. Something is wrong and I need help. I attended and received loans at : XXXX XXXX XXXX, XXXX, and XXXX. I graduated in XXXX of XXXX, and with all of my payments AND the {$5000.00} XXXX payment, the balance is more than what I originally started with. Again with 20 years after graduation!!!!
Product: Debt collection

Portfolio recovery associates and their affiliates continue to contact my employers to garnish my wages. They have garnished my wages from two seperate employers. We went to court in 2018 regarding this matter and I filed a claim of exemption which was granted in my favor. They are back again garnishing my wages and embarrassing me by contacting my current employer as well as taking money from me which I do not have to spare and preventing me from being able to pay my living expenses. I would like them to cease and desist. At this point I feel harassed by this collection agency.
Product: Vehicle loan or lease

Took out a car loan with Wells Fargo XX/XX/XXXX. Paid the loan in full. However now Wells Fargo has been ordered to pay a massive fine for defrauding its customers between XXXX until now. I believe I am a candidate For some of the settlement
Product: Debt collection

Recently, I retrieved my credit report from all 3 bureaus. To my dismay, a company by the name of Midland Credit Management was listed there as a collections, for {XXXX}. Not aware for what this collection was I immediately disputed with the 3 bureaus as well as with the Midland Credit Management company. As outlined under the The Fair Debt Collection Practices Act I requested a Validation of debts to include a statement and/or signed contract. In response, I received notice that the debt had been validated as accurate from the bureaus and an offer for settlement from Midland. They ignored my request to substantiate their reporting. The FTC states on their website that with such request the collector has to send you written verification of the debt, like a copy of a bill for the amount you owe, before it can start trying to collect the debt again. https : //XXXX.XXXX.XXXX.XXXX/XXXX/XXXX-XXXX-XXXX, yet all I have received is numerous offers to settle an erroneous debt while they continued to report this derogatory tradeline. 

It's evident Midland is not able to substantiate their derogatory report in association with my name. However I am open to giving them one last attempt to physically substantiate the erroneous reporting or promptly delete such reporting information as the FCRA and FTC instructs. The reported inaccuracies are damaging and impedes my rightful ability to gain financing with fair and responsible terms. 
Please help me resolve this.
Product: Debt collection

I was falsely accused of not paying an internet bill from XXXX XXXX XXXX. Months after the alleged delinquency, a collection agency was commissioned to contact me and collect the amount owed. The issue ended up being a clerical error on XXXX XXXX 's part. I verified that the bill was in fact payed on time and provided proof. The claim was removed and they corrected the problem. Now it has affected my credit score and I want it removed from my records.
Product: Debt collection

There was a clear violation of regulation F that regulated the frequency of call during a week. Just today I have been called over 7 times. I have tried to contact this company several times but numbers that call do not work. When the call they do not have a person answer the call ; there are times when the call is connected but one answer. 
The collection practices are unethical. The action that occurred on XX/XX/2022 violated Texas Law, TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 392. DEBT COLLECTION. Sec. 392.302. HARASSMENT ; ABUSE, ( 2 ) placing telephone calls without disclosing the name of the individual making the call and with the intent to annoy, harass, or threaten a person at the called number ; ( 4 ) causing a telephone to ring repeatedly or continuously, or making repeated or continuous telephone calls, with the intent to harass a person at the called number.
Product: Debt collection

I've paid the company Portfolio Recovery off and the creditor didn't remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$19000.00} I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Student loan

Periodically we are required to recertify our income. Income recertification will cause my monthly payment to go up by {$1900.00} per month. I have been asked in a letter from Mohela my loan servicer to recertify my income by XX/XX/XXXX. Studentaid.gov clearly states that any income recertification dates for prior to XX/XX/XXXX will be pushed back by one year. As such, my income recertification date should be pushed back at least one year to XX/XX/XXXX. I spoke with agent, XXXX at Mohela on XX/XX/XXXX regarding this. He stated this would be fixed, but my income recertification date remains the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Equifax 's Online Free Credit Freeze is NOT working. When start button is pressed, a blank screen appears.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel By the silence of engelhardt v gravens ( mo ) 281 SW715.719| presume that no proof of the alleged debt. no therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My direct deposit are scheduled to hit my account every Friday by XXXX but I get them every Wednesday afternoon about XXXX. Thursday night I got an email stating that capital one was having technical issues and it WILL be resolved by Friday morning. Capital one has not given us an updates and they literally have thrown their social media team to the wolves without anything to tell customers but some AI generated excuses. I have bills that have already occurred late fees and I need to get this resolved.
Product: Credit reporting or other personal consumer reports

I am trying to open a checking account at XXXX XXXX Bank. They keep declining because of XXXX Systems saying I have a security freeze. Reason code XXXX from XXXX  systems. I have removed the freeze I had with XXXX systems prior to these applications. I need XXXX Systems to stop reporting incorrect information!
Product: Debt collection

XXXX Credit Card through the XXXX XXXX XXXX XXXX billed me for an item that was never accepted from me ( order number : XXXX ).
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 {$0.00} XXXX XXXX XXXX XXXX XXXX  {$230.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX  : {$14000.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX  {$2000.00} XXXX XXXX XXXX XXXXXXXX XXXX  : {$640.00} 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: Debt collection

I have been receiving phone calls for about a year on and off from different phone numbers first asking for XXXX XXXX ( ex-husband almost 20+ yrs ). After I told them that he is a ex-husband they stopped calling. Beginning this year XXXX the phone calls have started back. Now they are asking for me XXXX XXXX ( XXXX ). The phone numbers are coming from : XXXX XXXX XXXX. They have contacted my husband and my XXXXXXXX XXXX mother asking for me today XX/XX/XXXX. They left a message with my mother for me to call them. His name is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX phone : XXXX Ref # XXXX. He told me the debt is with CheckSmart a payday loan and they are a third party trying to collect this debt and threaten to serve me documents to take me to court. I told him that I have never had a payday loan with CheckSmart. I called CheckSmart 's Corporate Number XXXX XXXX. They checked their records with my D.O.B and last 4 of my SS # and they couldn't find me in their system. Their records go back 32 years. They forwarded my call to their fraud department to see if they had anything different. Again, she ran my info and said they had nothing in the system that I owed them anything. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate reporting of the XXXX XXXX  account # XXXX on my credit report. This account was marked as a collection account in XX/XX/year>. However, it has been repeatedly updated as a collection account every month since then, which is misleading and inaccurately reflects the account 's history. 

A collection account should not have an active payment history after it has been entered as a collection account. By improperly updating the payment history, the statute of limitations is being manipulated, which is both misleading and harmful to my credit report. Additionally, there have been incorrect reports of XXXX XXXX XXXX XXXX XXXX, and XXXX days late, which further exacerbates the inaccurate reporting. 

I believe that the failure to properly investigate this account has resulted in the continued reporting of incorrect information. This inaccurate reporting has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ) - Accuracy of Report, and I am demanding that the XXXX XXXX account # XXXX be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

You guys are trying to deny my claim and block my account, I went to the bank as you guys have told me to, to close down my account and open up a new one, as of today ( XX/XX/2021 ) the citi branch told me that they couldn't do anything until you guys leave a note for me them to allow them to close down the account, this is my account and my money!! i'm trying to be safe!! there must be a hacker out there who made a copy of my debit card and took out my money, you guys need to clean up this mess!!! now i wasted my time and gas money driving to the citi branch just to realized that i can't even close down my account!!! stop lying to me!!!
Product: Vehicle loan or lease

Account with santander consumers was open in XXXX XXXX XXXX. I never knew about the account was opened until whoever open the account started making late payments or did n't make payments at all. I have reported this account to credit bureaus and also have reported it to the company santander consumer. They have sent me a fraud packet and i completed the packet and faxed to santander consumer with a police report. XXXX XXXX and XXXX  have removed the account from my credit report. Santander consumers have not done anything to even attempt to investigate the account for Identity theft. I have tried to contact them multiple times and multiple voicemails. This account is really affecting my credit score when I pay everything on time without a problem, I even have my own car loan out that I pay for every month with no miss payments. Santander consumers have no evidence that I opened the account but they will not investigate it to be removed and it 's not fair. The account is in delinquent according to my credit report.
Product: Credit reporting or other personal consumer reports

Ability recovery claims to have verified the account, on my credit report the account says meet fcra requirements, however, XXXX is reporting XX/XX/year>, XXXX is reporting XX/XX/year> and XXXX is reporting XX/XX/year>. The date should reflect the date a last payment was made and should be accurate across each bureau as there is only one furnisher They have failed to correct The inaccurate information This is an FCRA violation as the accounts are suppose to report maximum possible accuracy. I have sent the bureau tons of letters addressing this issue as well as ability recovery
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've disputed information on my report with XXXX XXXX not being correct. But still showing conflicting information. Report is showing discrepancies between all 3 major credit bureaus. Showing one account OPEN on one reporting agency CLOSED on other reporting agencies. Also reporting late payment on a CLOSED account. Between XXXX and XXXX reported a one late to credit bureaus. I am demanding this account with XXXX XXXX be deleted from all 3 credit bureaus immediately. 

I am trying to avoid going to court with XXXX XXXX.
Product: Checking or savings account

We opened a checking account with a {$100.00} deposit at Bank of America XX/XX/XXXX, we planned to move the majority of our money into these BOA accounts. The branch did not order the checks as they stated, we eventually received them XX/XX/XXXX. On XX/XX/XXXX I made a XXXX bank check deposit of {$9000.00} into the new BOA account. We received a letter approximately XX/XX/XXXX stating the account would be closed, they could not give a reason, the letter stated this decision was not reversible and there was no appeal or explanation, we have excellent credit and they stated it was not related to fraud and we have not had any issue with any fraud recently so i dont have any idea why they will not allow us to have an account. The BOA company did not close my credit card account? My wife went to the local branch to see if she could get any more info and they were not able to offer any, they stated the account would be officially closed XX/XX/XXXX and we would be receiving a check for the balance of the account in 7-10 days, after receiving the letter i inquired about withdrawing all of our funds while they closed the account however they officially do that and they said i can not withdraw any of that money and have to wait for the check. We NEVER had access to the {$9000.00} that was deposited on XX/XX/XXXX. ( As I write this it is XX/XX/XXXX ), we still have not received the check, my wife had set up the electric, cable, etc to come out of this account and had to scramble to get these back to our XXXX account so we did not have late fees or bills not paid. To date both of us steadily receive email offers to open accounts with them, which is baffling. What if this money was rent or mortgage payment?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is allowing XXXX to falsely report my account as 30 days late when I paid on the 29th day. I disputed this two times now and they continue to list my XX/XX/2023 payment as 30 days late on my credit report harming my credit score. I paid XXXX the same way and it has been reported paid as agreed. Below you will find the exact copy from the emails I received from XXXX. 

" Auto account ending in : XXXX Date:XXXX Your payment is now 27 days past due. To avoid negatively impacting your credit, log in or call us at XXXX to make your payment or view other payment options. '' " You successfully scheduled your XXXX  XXXX payment onXXXX Auto account ending in : XXXX Payment amount : {$790.00} Confirmation number : XXXX Payment frequency : One-time ''