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

I recently obtained a copy of my credit report and noticed that I have some hard inquiries that i did not authorize. 
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
Product: Debt collection

Account showed up in my credit report, not my debt and I want it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and XXXX are purposefully, willingly and knowingly lowering peoples scores and reporting inaccurate information on reports. I get my score of XXXX  and then go to the bank the next day and it is 200 points lower for no reason other than they are purposefully lowering peoples scores. I will never finance anything ever again.
Product: Credit card

In early 2023 I signed up for an American Express Sky Miles XXXX card that included a bonus of XXXX Sky Miles. I met the required spending criteria and was never credited with the miles. After many, many conversations with them they have never been able to provide a coherent explanation of what the problem may be. I am at my wits end and would either like the miles credited to me or my card cancelled, my membership fees refunded and the points I earned applied to my other American Express XXXX  card. I received no value for the XXXX card and simply want to be made whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I purchased a mobile phone and plan with XXXX   from XXXX XXXX. This contract expired in XX/XX/XXXX. XXXX continued to bill the plan and phone. I tried several times over the next 2 months to get them to cancel the account. Each time I was told a identity code would be sent to my email address and the rep would call back in 15 min. This never happened. The last time I spoke with an XXXX rep I told them I would not pay the fraudulent amount and I considered the account closed. I was then threatened with litigation. XXXX finally terminated the account but refused to cancel the fraudulent charges. Since then this account has been passed between collection companies, each fraudulently reporting it as a delinquent account. Each also offers a significant discount if paid. This is pure extortion. The latest company jump on this band wagon is
Product: Credit reporting, credit repair services, or other personal consumer reports

To whoever it concerns my name is XXXX XXXX I am seeking litigation for the violation for Not following the the codes 15 USC 1681 section A 15 USC 1681 section 604 A Section 2 For the accounts of XXXX  XXXX XXXX  XXXX  XXXX  XXXX/XXXX  Credit control corporations Experian XXXX XXXX are not honoring my request for the law code set in place for me.. There giving me stall tactics.. In your database you can see all the complaints that I sent to you and none of them been honored by law please look into this matter for me thank you
Product: Credit reporting or other personal consumer reports

Date of XXXX : XX/XX/year> Issue : I filed a dispute regarding inaccurate items on my credit report. However, no findings or conclusions were provided, and I did not receive a response from either the credit bureau or the company reporting the inaccurate information. 

Actions Taken : I submitted the dispute on XX/XX/year>, expecting an investigation and response as required under the Fair Credit Reporting Act ( FCRA ). However, no resolution or update has been communicated to me. 

Requested Resolution : I am requesting a proper investigation into my dispute and a timely response detailing the findings and any corrective actions taken. If the disputed information can not be verified, I request its removal from my credit report.
Product: Student loan

My loans have been transferred from XXXX to Navient in XX/XX/XXXX. My XXXX loans were on autopay at the time and apparently that go transferred over ( without Navient telling me - which was one of the issues, their website does not properly tell you if you are on autopay or not ). 

Right from the get go, there are massive issues. I was not officially warned that I moved to Navient until I checked my account on XXXX and my accounts were gone. And I did not get any of the documentation from Navient until well after the first payment was due. It was sheer luck that I saw this and quickly made a navient account to make a payment on the loan. 

Which leads to the next issue, I made a payment to Navient for XXXX dollars on XX/XX/XXXX.  Navient then disperses the amount into different accounts, instead of the loan that was specified. I read up and Navient has had a history of doing this. I called them up and told them about the issue and thankfully, they corrected the issue. 

The next issue is their website. I was ahead on payments apparently and because of this, they deceptively remove the autopay icon from the account, even though I was on autopay. As a result, I ended up paying XXXX dollars on another account twice. I called Navient again and they tried to say that it was the issue with XXXX and that it was normal to remove the autopay icon when I am ahead in payments, even though I am still in autopay. I find that incredibly deceptive. Worse, the refund, if I wanted to take it, would take 10 business days, which would have been pointless as I would have to make the payment again not long after. 

Which leads me today, Navient took money from my account on XX/XX/XXXX for {$150.00} towards my big loan account ( I have three accounts, all three have had major issues with Navient ). I checked my account and AGAIN they dispersed the amount in different accounts instead of the one, making my loan late in payment. I will be calling them again on Monday to settle this and I will be removing all payments on autopay as they are incompetent in dealing with money. 

Based on the lawsuit that was brought to them last year and seeing first hand how much they have been XXXX me, I am going to have to keep a super close eye on Navient and their incredibly shady business practices. If they keep doing this, I will be consulting my lawyer to see if I can pursue any action against them.
Product: Credit reporting or other personal consumer reports

I disputed an account through XXXX XXXX XXXX XXXX XXXX car loan, this account was opened up fruadulantl, I want this account removed from my credit report, this is fraudulent and inaccurate information reporting to my account, I have took the steps to file an identity theft report requesting this account be removed and blocked the information from XXXX and Experian both came back verified, I am requesting proof that these fraudulent accounts were investigated fairly and proporly, also please provide me with the system and details your company used to to determine if this transaction took place or not.
Product: Debt collection

I placed a order for XXXX home interest device ( account XXXX ). XXXX was unable to deliver the device because they had back orders for the device so the ordered was canceled and closed. I never received any product from them. I started receiving bills from XXXX for the device in the amount of {$51.00}. Then I started receiving debt collection notice from Convergent Outsourcing , Inc ( XXXX ) ( XXXX ) demanding payment.
Product: Credit card

my deceased partner opened a credit card in my name that i had no knowledge of at the time. the account was not opened by me. ive tried working with this creditor multiple times explaining the situation and he is deceased. i would like this removed from my credit report because my personal information was used to open this account fraudulently. my credit has been significantly impacted this and has caused alot of financial strain and account has been charged off and company refuses to remove fraudulent account.
Product: Money transfer, virtual currency, or money service

One of my clients, XXXX XXXX XXXX sent his annual renewal of both website andXX/XX/XXXXvia ZELLE. Because the amount was over {$1000.00} he said he had to send in 2 payments. The first payment of {$600.00} posted immediately on XX/XX/scrub> 2025 but the second payment of {$450.00} went on hold for it said 1-3 days. With the holiday, it said it would not be available until XX/XX/XXXX. I always thought ZELLE was instant money.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of XXXX. My Full Legal Name : XXXX XXXX XXXX. My ONLY Address : XXXX XXXX XXXX, XXXX, FL, XXXX I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX, My ONLY Address : XXXX XXXX XXXX, XXXX, FL, XXXX XXXX Please delete all other addresses such as XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : Name : XXXX XXXX My ONLY Address : XXXX XXXX XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Hello i XXXX XXXX reporting information that is illegally reported. Company Bonce Al- has no account Listed in any emails sent to me, also have wrong info and wrong address listed illegally placed on credit and harassing me with emails. 

Im Accordance with the fair Credit Reporting act.The List of accounts below has violated my federal proctectrd consumer rights to privacy and confidentiality under 15 USC 1681.Orginal Account Company is XXXX XXXX XXXX has violated my rights selling it to Bounce Al-. 15 USC 1681 section 602 A .States I have the right to privacy and according to 15 USC 1681 leb they are supposed to ensure this whenever a consumer reporting agency prepares a consume report it shall follow resonable procedures to assure maximum possible accuracy of the information comcerning the individual about whom the report relates & due to harassing my email. 15 USC 1681 .Section states no consumer reporting agency may make the report containing following items.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. These items have caused significant emotional distress for me and have impacted my ability to obtain credit and other financial opportunities. 

The following items are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge off account I request that you investigate these accounts and provide me with a detailed explanation of the information reported on each account, including the date of first delinquency, the date of last activity, and the current balance. I also request that you provide me with any documentation or evidence that supports the accuracy and validity of these accounts. 

Furthermore, I would like to remind you of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The FCRA states that credit reporting agencies must investigate disputes within 30 days of receiving them and that inaccurate information must be corrected or deleted. The FDCPA prohibits debt collectors from engaging in abusive or harassing behavior and requires them to provide accurate and truthful information. 

If you are unable to provide me with the requested information, I ask that you remove these accounts from my credit report. I look forward to your prompt response and resolution of this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I was approved for HAF through state of Florida. Caliber had received past due amount from XXXX. They posted this on XX/XX/XXXX. They also received XX/XX/XXXX 's payment in early XXXX and posted the mortgage to my account on XX/XX/XXXX. XXXX 's payment ( send on XX/XX/XXXX ) was not posted until I made a CFPB complaint - then it posted on XX/XX/XXXX. I have tried to contact them via email and via telephone to inquire about XX/XX/XXXX mortgage ( {$1300.00} ) that was sent to them on XX/XX/XXXX. I have now been assessed a late fee, although HAF has indicated the payment has been received and posted by Caliber.
Product: Vehicle loan or lease

Once again I am requesting Santander to provide me with a copy OF ALL DOCUMENTATION I signed when I bought the car. The request includes the CREDIT APPLICATION information used to approve the LOAN. 
The documents sent regarding the sale have only 5 pages. I need ALL PAPERS THAT I SIGNED! Especially the Credit Application. I tried to make this request over the phone with the attendant XXXX employee ID XXXX at XXXX XXXX IN XX/XX/2020, but he put me on hold and didn't answer my request. The call was recorded for 8 minutes and 57 seconds and ended by me for lack of communication. 
Remember that all my contacts are up to date on your system. Address, Telephone and E-MAIL, no customer service representative attempted to contact me as stated in the previous CFPB demand response. I would appreciate that if answer, replies would be send to my personal email. 

Thank you.
Product: Credit reporting or other personal consumer reports

XXXX  is not doing the right thing with my credit report, I being contact them for so many reasons, but they don't do anything to help me with a lot of things that don't belong to me in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I use XXXX XXXX and also various credit card FICO score which shows that my score is 810+ I have never been late with payment for 10+ years, I have ample credit card, no negative record. No loan, credit utilization is less than 2 %. I have always been paying on time and full amount, have XXXX+ salary. 

When I went to get Auto loan at Toyota dealership, they pulled out my record with XXXX score which is way below what my actual score is. 

I checked all 3 agencies and there is no negative record ( except for the Toyota Loan that I took ). I believe Toyota intentionally showed me a lower score. There is no reason for my score to be less than 800. I checked all agencies, credit card FICO scores they are all above 810. 

I have a suspicion that the score is manipulated when I seek loan by Toyota financial. Or there is some underlying issue exists that lowers the FICO score exactly when a loan is being requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge or record of  XXXX  account number  XXXX  on my credit report. I have disputed this unknown medical account with the reporting collection agent as per Experian instructions in their response and have no valid response. Which was shifting the burden on me which was a violation of my rights. They have failed to fulfill my request to verify this unverified account by providing physical proof of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got a notification from XXXX XXXX stating that I have a new inquiry on my report from XXXX XXXX XXXX and I called them to see why they running my report and they said someone tried to get a XXXXXXXX XXXX XXXX my name and I explained to them that it wasnt me because I already have two XXXX XXXX cards. On XX/XX/XXXX I was notified again that I had a new inquiry from XXXX so I called them and they told me that they didnt see a application for a credit card but I also explained to them that the inquiry was on my report and once again I didnt apply for any new cards.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3600.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$690.00} ), XXXX XXXX XXXX ( AccountNumberXXXX, Open Date XXXX XXXX, XXXX, Balance : {$11000.00} ), XXXX XXXX  ( XXXX, Open Date XX/XX/XXXX, Balance : {$3500.00} ), XXXX XXXX XXXXXXXX XXXX Account Number XXXX, Open Date XXXX XXXX, XXXX, Balance : {$2500.00} ), XXXX  XXXX XXXX Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$1000.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting I owe a balance XXXX XXXX  account # XXXX when there in fact is no balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX Account Number XXXX, has violated my rights. 
Per 15 U.S.C Section 602A, states I have the right to privacy.

Per 15 U.S.C Section 1681 Section 604A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account Number XXXX - Account Number XXXX, has violated my rights. 
Per 15 U.S.C Section 602A, states I have the right to privacy.

Per 15 U.S.C Section 1681 Section 604A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Account Number XXXX  15 U.S.C Section 602A , states I have the right to privacy. 
15 U.S.C Section 1681 Section 604A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following acct # s have 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 instructionsXX/XX/XXXX Account number : XXXX XXXX Account status : Late 30 days Available credit : {$300.00} Reported balance : {$350.00} Credit utilization:118 % Date openedXX/XX/XXXX XXXX XXXX Account number XXXX XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$1900.00} Date openedXXXX XX/XX/XXXX Account number : XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$380.00} Credit utilization Date openedXXXXXX/XX/XXXX Overview Account number XXXX XXXX XXXX Account status : Collection Available credit : {$0.00} Reported balance : {$22000.00} Credit utilization Date openedXX/XX/XXXX XX/XX/XXXXDate reported:XX/XX/XXXXDate assigned:XX/XX/XXXX Amount XXXX {$380.00} Status date:XX/XX/XXXX Balance date:XX/XX/XXXX Account designator code : Individual account Account number : XXXX XXXX XXXX Date reported:XX/XX/XXXX Date assignedXXXX Amount : {$1900.00} Status dateXXXX Balance date : XX/XX/2022 : Account designator code : Joint account Account number : XXXX XXXX XX/XX/XXXX Date reported:XX/XX/XXXX Date assigned:XX/XX/XXXX Amount : {$22000.00} Status date:XXXX Balance date:XX/XX/XXXX Account designator code : Individual account Account number : XXXX XXXX XX/XX/XXXX Date reported:XX/XX/XXXX Date assignedXXXX Amount : {$500.00} Status dateXXXX Balance dateXX/XX/XXXX Account designator code : Individual account Account number : XXXX XXXX XX/XX/XXXX Date reported:XX/XX/XXXX Date assigned:XX/XX/XXXX Amount : {$310.00} Status date:XX/XX/XXXX Balance dateXX/XX/XXXX Account designator code : Individual account Account number : XXXX XXXX
Product: Checking or savings account

multiple fraudulent unauthorized charges on my debit card going to XXXX, XXXX, an Atm withdrawal and XXXX as well as something called XXXX, These are fraud charges made using a stolen debit card and i would like to file a XXXX  XXXX claim against these unauthorized charges. 

Amount stolen from me totals {$3300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Bank XXXX XXXX XXXX # XXXX to my small business, XXXX XXXX  XXXX in XXXX XXXX XXXX during the Covid- 19 pandemic. Since then, they have placed a hold code/flag on my account preventing me from receiving forgiveness for my second draw XXXX  loan through my financial institution. The Small Business Administration alerted me that this company needs to remove this code before I can receive forgiveness for my loan. I have attempted to contact XXXX MULTIPLE times regarding this issue since I found out on XX/XX/XXXX. I was first told that this issue would be escalated to the appropriate team. On, XX/XX/XXXX, I called back to check the status and was told the code was cleared. I then contacted the XXXX to confirm and was told that it had not been cleared. I called XXXX  back immediately and was told by another representative that they are actually still working on this request and are still verifying my loan information. Furthermore, my loan through XXXX  is extremely past due, as they've allowed my and millions of other loans to go into default because they have mishandled this entire process! This will be my final step before I contact an attorney. I have no idea why any of these representatives aren't on the same page when it comes to my personal and sensitive information. However, I will not be contacting XXXX  about this any longer.