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

Stevens Business Service is reporting an account under their own name on my credit report. Under Massachusetts state law, a debt collector may only report on a consumers credit report while using the name of the creditor only. They are in violation of : 209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17. 
( XXXX ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. 
940 CMR 7.07 : General Unfair or Deceptive Acts or Practices : It shall constitute an unfair or deceptive act or practice to engage in any of the following practices to collect or attempt to collect any debt : XXXX XXXX ) Using any business, company or organization name other than the true name of the creditors business, company or organization ( XXXX ) Reporting to a consumer reporting agency on transactions or experiences with a debtor in a name other than that of the original creditor I have contacted XXXX 's 3 times via certified mail and informed them of their illegal reporting. They have failed to remove their illegal listing. 

XX/XX/2021 I reached out to the Attorney General 's office. The AGO stated that a formal complaint should be filed with the CFPB for removal of the account.
Product: Credit card or prepaid card

XXXX I filed a previous complaint and it was closed. I am responding to Cash App feedback. The financial institution did not acknowledge the account was hacked and I did not enter the pin. By the time a representative responded to me I did not have any money in my account. The hackers were attempting to get money from my personal account. I was busy trying to protect my personal account. Now, I am being told no favor for money I put into this financial institution, my money onto their pre-paid card.
Product: Checking or savings account

I had closed my checking account at Citi bank. However, I forgot to update my direct deposit from my employer and {$750.00} was deposited to Citi. This money, though, was never kicked back to my employer. Instead, Citi and held onto the money and is not willing to work with me on getting the money back to me. The closest branch is 3 hours away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquires on my credit that i didn't allow to be on my credit. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian 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 Experian, alleging systemic issues such as failing to forward an-= ;? consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures again with my experience, where Experian 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 Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I did not give expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft : 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

Greetings ; I sent 3 rounds of letters to the credit bureaus, but they didn't do their investigation. I want to open an investigation about my credit report and delete the innacuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit reporting, credit repair services, or other personal consumer reports

I write to request that a 60 day plus late payment notice on my credit report be removed by Bank of America ( BOA ) ; my credit report via XXXX shows this as a " potentially negative '' item.This is the only negative item on my credit report. 

In the fall of 2020, I had stopped regularly using the BOA credit card and did not charge no known expenses. However, an annual subscription ( which I thought I had cancelled ) renewed without my knowledge in XX/XX/2020. 

At the same time, I was in the midst of moving to a new home during the pandemic and was not aware of this unknown charge or that BOA was expecting payment. As a result, I missed a payment on my BOA card for the first time in seven years. 

Considering the above facts and circumstances, I request that BOA remove the negative 60 day late notice with all major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach Simons agency to have them tell me what this could be for. I didn't get any communication before it showed on my credit report and I haven't received and after my attempts. I have no knowledge of this and do not accept this as my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I OPENED A CREDIT CARD WITH XXXX, DID APPLICATION, PAID THE FEE, AND WAITED FOR CARD. A FEW MONTHS GO BY ... NO CARD, NO BILL SO, I CALLED EM TOLD EM WHAT I DID THEY ARE LIKE U OWE ANOTHER MEMBERSHIP FEE, I TELL EM WHEN I SEE A CARD GREAT I'LL TAKE CARE OF THIS. WELL ITS BEEN ABOUT A YEAR AND IM CHECKING MY REPORT. THEYVE GOT A 30 DAY LATE PAYMENT ON MY ACCT. IVE CALLED A FEW TIMES ABOUT IT DISPUTED ONLINE, NO LUCK. I JUST STUMBLE UPON THIS STATEMENT WITH THE WRONG ADDRESS ON IT. I CAN GET THAT LATE PAYMENT DELETED CORRECT, I DIDNT EVEN SEE THE CARD UNTIL XXXX XXXX XXXX WAS LIKE XX/XX/XXXX. INACCURATE INFO HAS TO COME OFF ILL UPLOAD DOC.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

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

XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX TWICE, XX/XX/XXXX, XX/XX/XXXX XXXX - XXXX SERVICE- XX/XX/XXXX I called and sent letters in trying to get these removed, they stated they could not do this. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights.
Product: Student loan

I have deferred my loans multiple times to see help with repayment options.
I was lied to when signing up for my repayment plan by my loan service provider. I was told that a graduated repayment plan charged me a fixed monthly amount after my first 2 years. My payments were originally XXXX for my first 2 years. I expected them to rise after my initial 2 years, and they did rise to XXXX But, what Navient neglected to tell me, was that my payments would continue to rise every 2 years until the max out around $ XXXX/month. They also did not mention that my {$26000.00} loan would approx. end up costing me {$46000.00} by the time my " repayment '' plan is complete.
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I would have never signed up for this plan had I known. I ca n't afford their schemes and lies. I am going to have to consolidate in order to gain some control over my debt and repayment.
Product: Credit card

My monthly payments have been on time ( i.e., first of the month ) to Synchrony Bank and the payments have been more than the amount due. However, Synchrony Bank has been crediting my payments to the previous month and I have been penalized with several late fees. Also, I am required to pay twice as much as the normal amount due. I have requested that Synchrony correct this err, but they have told me that this is my fault. This could also negatively affect my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

**Complaint Regarding Unauthorized Credit Card and Erroneous Reporting** To Whom It May Concern, I am writing to formally dispute the existence of an alleged credit card account under my name with XXXX Credit Card, which I was first made aware of in XX/XX/2018. According to the records unjustly associated with my name, this account has been marked as delinquent, an error that has unjustifiably tarnished my credit report.

**Details of the Dispute : ** 1. **Allegation of Existing Account** : In XX/XX/2018, it was brought to my attention that there was a credit card account opened under my name with XXXX. I unequivocally assert that I have never authorized the opening of this account, nor have I engaged in any contractual agreements with XXXX for such a financial product. 

2. **Request for Proof Ignored** : Upon discovering this discrepancy, I immediately contacted XXXX requesting proof of the credit card agreement and any signatures or evidence supporting my alleged consent or involvement. To date, XXXX has failed to provide any such documentation, thereby not substantiating the existence of this purported account. 

3. **Erroneous Credit Reporting** : Furthermore, this non-consensual account has been reported as " late '' on my credit report as of XX/XX/2018XXXX XXXX XXXX his incorrect reporting has adversely affected my credit score and has had significant negative implications on my financial standing and reputation.

**Actions Taken : ** - I have repeatedly contacted XXXX XXXX  customer service to rectify this situation, requesting the necessary proof of the alleged account and its associated transactions.

- I have also demanded the immediate removal of this account from my credit report due to the lack of evidence supporting any authorized engagement on my part. 

**Resolution Sought : ** - I urgently request a formal investigation into this matter, with the expectation that XXXX will provide all relevant documentation evidencing the alleged consent on my part for this account.

- I insist on a complete removal of this account from my credit history, including any negative remarks related to supposed late payments.

- I seek confirmation in writing from XXXX acknowledging the closure of this matter and the correction of all erroneous information transmitted to credit reporting agencies.

I trust that you will address this serious issue with the urgency and diligence it warrants. Please contact me at your earliest convenience to confirm the receipt of this complaint and to update me on the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and these accounts still on.. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permission to anyone to run my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Equifax Information Services LLC, in XXXX, GA. I tried to get my credit report through their website. Unfortunately, when I got to the segment where they gave a confirmation/registration number to continue, I had to close out of the ( Equifax ) XXXX in order to open my email to get the number, since I only had one window open. Please be advised, on their program it stated that I had up to XXXX minutes to input the confirmation/ registration number. 

When I went back to the Equifax program, it would not allow me to continue ; instead it gave me the number XXXX to call. When I called this number, I could not move forward because when I responded to the instructions, the machine kept repeating the same question. Please be aware, I tried this on several different occasions to make sure that it wasn't my problem. 

I am desperate to get a copy of my credit report from Equifax, since I found some major mistakes on my report from XXXX ( which they are working on ) that have negatively affected my credit.
Product: Checking or savings account

XX/XX/year>, someone got cash using my account number {$220.00}. I only had {$5.00} because I had received New Cards because of my account was hacked. 
I was in the Bank talking with XXXX XXXX. I did not get any cash of {$220.00}. I was not given a receipt. I have asked XXXX XXXX XXXX for a receipt, who gave me the money, and the name of the teller or the teller number who in the world would give the customer {$220.00} when they only had {$5.00} in their account? Who could not get the receipt for the money. He said he could not provide that information to me. I asked to see me on Camera, he said that I would need a Court order. I closed my account in XXXX. 
All of the accounts are closed and all my Direct Deposits was closed. Now they have put the {$220.00} in my mom 's name, telling her that she has an overdraft of {$220.00}. 
Which she did not owe them. She had a {$5.00} Fee. It was paid on XXXX XXXX. All of her Direct Deposit was transferred. I had XXXX XXXX on XX/XX/year>. This was the only day we were not in the bank. We have been getting phone calls every day, they do not leave any messages. They just call any time of day, night, and weekends. We just need help with this situation. It is making our lives miserable. We did not do this. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of my addresses says Ive lived in CA and I never lived in CA.
Product: Payday loan, title loan, or personal loan

Complaint against XXXX XXXX RE : Loan Management Account Broker : XXXX XXXX, XXXX XXXX, NJ SUMMARY : Loan Management Account established in XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX did not enforce the stipulated amount regulated for Trusts and Individuals on the XXXX XXXX website. The loan amount should be limited to XXXX for individuals. ( see below link and quote from the XXXX XXXX website ) My XXXX account was allowed to hemorrhage ; become over leveraged and my investments went from XXXX in deposits to a final balance of $ XXXX. I used some of the XXXX balance but I was living off the XXXX since I am XXXX with XXXX XXXX XXXX XXXX. The Loan Management Account is not a suitable vehicle for an older woman who has no other source of income. I learned this too late. When my husband XXXX in XX/XX/XXXX I agreed to assume the loan balance of approx. XXXX but at that point I should NOT have been allowed to leverage any more of my investments. 

ML OFFICIAL LOAN MANAGEMENT DESCRIPTION : XXXX XXXX XXXX " The XXXX account is an  uncommitted facility, although loans to individuals and trusts may be  committed in an amount not to exceed {$100000.00}. The Bank may demand full or partial repayment at any time and any commitment may be immediately terminated. '' I recently became aware of this regulation limiting the loan amount to individuals. 
Not only did the loan balance exceed XXXX but my entire set of funds were used as collateral. XXXX XXXX charged interest on the loan balance from approximately 3.3 % to 4.4 %. 

In XX/XX/XXXX and XX/XX/XXXX I communicated with FINRA and requested mediation with XX/XX/XXXX through FINRA. XXXX XXXX denied my request and blames the destruction of my resources to my spending. As previously said I was living off my investments. I paid for my son 's wedding. Spending is not the issue. XXXX XXXX broke their own law by over leveraging my Loan Management Account. If the XXXX XXXX stipulated limit of XXXX for individuals was honored and enforced I would not have lost all of my funds. 

Essentially the Loan Management Account became a runaway train that eventually crashed. My Loan Management Account was not properly supervised and not lawfully enforced. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting ( 30 ) plus days late on the XXXX XXXX   partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account was paid in XXXX, 2019 and the lates are reporting in XXXX, 2019. Please keep in mind that it is impossible to have late payments on an account that was paid off a month prior. This incorrect reporting is harming my credit score and this line item need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have been unsuccessful.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : DPT EDXXXX Account Number : XXXX
Product: Mortgage

I've contact Truist Mortgage, XXXX, and Insurance departments multiple times in XX/XX/XXXX. I've had issues with the every year for the life of the loan as they required i get a separate flood insurance policy for a shed in the back of my property. Every year since having the mortgage with them, they fail to pay one flood policy or the other. Multiple times i've had to rush pay the delinquent flood policy to avoid lapse in coverage. In XXXX of XXXX they did a new escrow analysis on my account and created two insurance estimates for the same property insurance policy. Effectively they started escrowing for the same policy twice. Once as a property insurance policy and once as a wind/hail policy. The policy numbers were the same and the premium amounts were the same. This change caused my escrow payments to go up approximately XXXX. I've talked with their representatives on the phone about this no less than 4 hours trying to get them to remove the double counting of the same property insurance cost. To add insult to this, on XX/XX/XXXX of XXXX they issued gap flood insurance for my shed even though my flood policy they paid from my escrow did not expire until XX/XX/XXXX and they were set to pay the renewal amount for that policy. They mistakenly labeled the shed flood insurance as " quake/additional insurance '' and I've spent over 1.5 hours on the phone trying to get them to remove this gap insurance from my account even after they confirmed earlier this month that both of my insurance policies were in effect and i could ignore the gap insurance threatening letter.
Product: Credit card or prepaid card

On XX/XX/XXXX at approximately XXXX XXXX Eastern, I received 3 emails regarding information that had been updated on 3 Synchrony accounts ( American Eagle, Score Rewards/Dick 's Sporting Goods and Verizon ) XXXX These emails indicated my phone number had been updated on these 3 accounts. I did not make any account information changes. Around XXXX XXXX Eastern, I called customer service for American Eagle card and spoke to an offshore representative named XXXX ( Extension XXXX ). He indicated there was not a phone number on file for my AE account and added the number provided. He also checked the other 2 Synchrony accounts listed and informed me there was not a phone number listed on either account. He also added this number. There have not been any suspicious transactions on these accounts. He was unable to provide any information about the emails other than they may be a phishing attempt. He was unable to confirm the email from which they were sent ( XXXX ). 

I informed XXXX that when attempting to edit personal information via my AE credit card account profile, it was prompting a one-time passcode be sent to one of three phone numbers ending in XXXX, XXXX or XXXX, none of which are my phone numbers. He was unable to provide an explanation and transferred the call to another department, where I was unable to speak with a representatives. I have since noticed the Score Rewards and Verizon accounts are prompting passcodes to be sent to these same numbers when attempting to edit personal information via those accounts. I am concerned about privacy and information being compromised. Synchrony needs to provide an explanation about why 3 accounts are prompting passcodes to be sent to number which are not mine.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : 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.C 1681c. ( 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 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.