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

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

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

On XX/XX/2023 I saw a serious delinquency on my credit report without any communication from any banks. I looked into detail and found that it has been placed by Comenity Bank, saying that I made the last payment on this account in XXXX and my account is now delinquent. The actual status is : Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX  No payment Required Statement XXXX XXXX XXXX XXXX XXXX XXXX ; No payment Required Statement XXXX XXXX XXXX XXXX XXXX XXXX ; No payment Required Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Present Balance XXXX My XXXX account was hacked and as a result the information related to many of my credit cards accounts and my bank accounts was stolen. I closed and most of my credit cards and bank accounts and opened new accounts with the same financial institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). This card was on autopay through XXXX checking account that was also changed after this fraud. This card being a small infrequently used credit card, somehow the autopay was not updated. The company never tried to reach out to me and directly placed a serious delinquency in less than one week of due date, which is unethical and illegal. I am buying a house. This delinquency of {$37.00} minimum payment led to a fall of about XXXX points on my credit score. now I have significant problems in buying home because or irresponsible and illegal attitude of the company. 
I tried to reach out to company. They refused to get me in contact of the credit reporting person in the company. I tried to reach out to the CEO of the company on XXXX and sent him an inmail. But no response was received from the company.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 XXXX XXXX I submitted a transaction to withdraw XXXX ( XXXX XXXX ). 
The Estimated delivery date was XX/XX/XXXX, XXXXXXXX XXXX The transaction is still pending and XXXX waiting way over the maximum sending time of 7 days. 

Nowhere in BlockFI terms is written that it is allowed for them to pause client withdrawals. 
Furthermore they guaranteed that " BlockFi shall not sell, transfer, loan, hypothecate or otherwise alienate cryptocurrency held in [ my ] BlockFi Wallet [ ... ] ''. Thats because they claimed in their Terms that " the title to the cryptocurrency held in your BlockFi Wallet shall at all times remain remain with [ me ] and shall not transfer to BlockFi. '' On XX/XX/2022 I contacted BlockFi and created a ticket concerning this matter. 
Until today I received no answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Mortgage

I have call homebridge consumer service, haven't heard from XXXX XXXX branch manager, they give a number XXXX XXXX XXXX, XXXX XXXX officer refuse a appraisal refund, I feel loan officer Mr XXXX XXXX misrepresented my options by telling me loan was approved, requesting a fee or appraisal which homebridge cashed that declined the loan the loan should have been reviewed and declined before the appraisal was ordered I do not recall signing an intent to proceed disclosure, this is required before an appraisal can be ordered and charged to the consumer "
Product: Credit card

card was paid in full then I had a {$2.00} interest fee that I was not contacted about then they charged me {$37.00} last fee and the another last fee total of {$62.00} in interest and late fees when the balance was paid off I called the company and requested these charges be reversed but they said that could not be done also because of this my credit score of XXXX dropped by XXXX points= I closed the card but I really feel that they did not handle this appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, AZ XXXX XXXX/XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX   XXXX Balance : {$6500.00} XXXX  XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I need to re-document and refile this complaint to LVNV FUNDING LLC. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Product: Credit reporting or other personal consumer reports

Exeter Finance XXXX XX/XX/year> XXXX XXXX not Authorized Company told me to contact you guys after rerouting me 4 times.

Im to purchase a home soon and this, along with other inquires are negatively impacting my credit XXXX XXXX XXXX XXXX XX/XX/year> Hard Inquiry Incorrect Information This company did not input the co-signers information in the initial hard inquiry, told me not to worry about it. Upon getting the report back, they noticed that it was only for 1 person. They then ran the credit two more times without advising that there would be 2 more inquiries, I was under the impression that it would only be one.

Im looking to remove these two immediate along with the second auto loan inquiry below. 

XXXX XXXX XXXX XX/XX/year> Duplicate Hard Inquiry This was the second inquiry made instantaneously on the following day. 
Looking to remove immediately. 

XXXX XXXX XXXX XXXXXX/XX/year> Glitch in system This inquiry was made accidentally upon reviewing the terms and conditions of the Already Approved Credit card. The approval was initially for XXXX XXXX XXXX but when I was reviewing the terms, the page auto loaded and was now in the XXXX XXXX XXXX section, which got finalized and I didnt never got to authorize anything. 
Looking to remove this as well immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote all 3 major credit reporting agencies ( XXXX, transunion, XXXX  ) and informed them of fraudulent information on my file. I submitted a police report, an ftc theft affidavit along with my identification and proof of residence. 
The items that were fraudulent are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am a female and I was informed that a male was posing as me at an address not mine. Im not sure how they were able to convince these companies that my name was a male name. 

These items remain after I disputed them with the documents needed to block and remove them per the fcra XXXX provision.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to request the immediate removal of any and all harmful, outdated, or inaccurate information reported in my ChexSystems file. I am also requesting a full consumer disclosure report to review the records currently held in your system. 

Due to ChexSystems reporting, I have experienced repeated denials of bank accounts and check-cashing services, which has caused significant personal and financial hardship. I have not been notified properly of the specific nature or source of the negative reporting, and I dispute the validity and continued reporting of any derogatory information under my name and Social Security number. 

Please consider this letter a formal demand under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, which grants me the right to dispute and request deletion of : Any inaccurate Outdated Unverified, or Unauthorized information
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit agency is reporting XXXX XXXX XXXX XXXX or XXXX as two months late for XX/XX/XXXX. XXXX was discharged in XX/XX/XXXX. Credit agency removed the debt in XX/XX/XXXX and added the debt back on to report in XX/XX/XXXX. I contacted CFPB in XX/XX/XXXXregarding this situation several times in XX/XX/XXXX and the reporting agencies made the changes, now it is being reported incorrectly again. XXXX was XXXX in my chp XXXX. I attached my full petition as proof in XX/XX/XXXX andXX/XX/XXXX of the discharge.
Product: Credit card or prepaid card

I received a Care Credit credit card through Synchrony bank. I charged {$1500.00} with a promotional period that allowed me to pay off balance by XX/XX/2019 and not pay interest. Every month I paid {$120.00}. On XX/XX/2019 the remaining balance I owed was {$220.00}. The company charged me {$310.00} interest on this. They claim the agreement says if balance was not paid in full they can charge the 26.99 % interest rate on the original balance, not the remaining balance.This is explained only in the last statement before it is too late to pay off before promo period ends. In all other statements, it states that the interest is based on the daily balance. I explained to them this was not clear and had this been made clear I would have paid it off completely before promotional period ended. They were unwilling to credit me the interest or at least charge me interest on the remaining balance and credit me the difference. I think this is unclear and unethical business practices that they are purposely making confusing so consumer is not awzare and winds up paying much more in interest than intended.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Lexis Nexis via their online form and requested to opt out due to having my personal information stolen after a home invasion. I provided the information of the police department, detective and case information. I explained that I was in fear of my safety as I was a victim of this crime and feel my safety is at risk. 

I received an email back stating that the information provided did not meet their requirements to have my information concealed. I than see that they are reporting on my credit report the address of my home that was not previously listed as it was not reaffirmed and XXXX states the information is from Lexis Nexis credit reporting agency. 

The public records is causing me fear for my safety and physical health and the information they are reporting to the creditors is not accurate and causing me to have problems with my credit history. 

I appreciate the assistance with having the issues with Lexis Nexis resolved. 

Thank you, XXXX XXXX
Product: Checking or savings account

I sign up for credit repair with Lexington law they was taking money out my account to fix my credit but was over charge instead so that why I file this complaint for over charges fees taking money out my cash app account for payments without my permission reach outto them never responded or call back
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

Cease Unauthorized Inquires and Rectify Violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Navient, XXXX and XXXX reporting loan payments XXXX days late when I provide to the credit bureau proof I was in school XXXX and completed the documents to correct with each servicer. I have even filed a complaint with the omb office and no results.
Product: Debt collection

In XX/XX/2018, XXXX XXXX was removed from my credit bureau. I contacted the company to notify them that this should not be on my credit report. I told corporate that I signed a release form which removed me from the apartments lease. They didnt have any of my information on file. Now they are reporting AGAIN on my credit report. This is not my debt. I signed to be released from the lease.
Product: Credit reporting

Equifax keeps telling me this is " verified ''. It is a judgment that never went into court and never happened. The judgment, as per Equifax is " pending '' and is dated XX/XX/2009. Case # XXXX. I have been in touch with the clerk of the court. IT DOES NOT EXIST!! This is reporting illegally and causing me financial harm!!
Product: Prepaid card

On XX/XX/2023 I was mandated by court to enter a 6-month XXXX XXXX  XXXX  for substance abuse issues. Upon admission I turned over my personal property and my wallet to be stored during my stay. The facility is always locked, residents can not have visitors nor access the phone. My family left XXXX  with the front desk personnel, and I was unable to communicate with them. I completed the six-month program and was discharged on XX/XX/2023. Upon discharge I had been informed that my stored property could not be found. I had to leave without my bag, personal effects and my wallet which held my license, insurance cards, and my Direct Express card that my Social Security checks are deposited into on the XXXX of every month. 
When I arrived home, I went online to Direct Express to check my balance information. I was shocked to discover that my balance did not reflect the social security deposits from XX/XX/XXXX until XX/XX/2023. I was horrified to discover that I was completely broke. I called direct express and verified that the deposits had been made each month and was told that there were withdrawals made with a Direct Express debit card and my pin number.. I filed a fraud report and a claim to have my funds returned and got a new debit card with a changed pin number. i received a claim questionnaire from direct express which I filled out and returned to them along with a copy of my admit and discharge paperwork from the treatment center. I sent a letter that informed the fraud dept that i was physically unable to use my card or withdraw money while in treatment from XX/XX/XXXX until XX/XX/XXXX, XXXX. I reported that I had not given anyone authorization to use my debit card or withdraw funds at any time .My claim was denied by direct express and I was told by the fraud department to resubmit the claim, which I did .I spoke to a supervisor from the fraud department and told her that I was without any funds to pay rent, eat, or pay for public transportation in order to work. I continued to call the treatment center to enquire about my belongings, but they had not been found. Direct express asked me where I kept my atm pin number and I told them that I have a XXXX  XXXX  that has caused me to suffer from XXXX XXXX XXXX and I have to keep all necessary phone numbers and pin numbers in my wallet, or I would be unable to access anything including the ability to get into my phone. 
My second fraud claim was denied and I was told by a fraud supervisor that my case was officially closed and would not be reopened. I can not understand or believe that my claim could be denied when I was physically unable to use my card or go to an atm and withdraw funds. There were phone calls charged to my debit card to someone in XXXX  which I could not have physically placed. A replacement debit card was ordered and sent as express delivery to my home address in XXXX. I could not have ordered the card nor received it. 
I humbly request that the CFPB reach out to Direct Express in order to get a better understanding as to why they refuse to return my stolen money. It is a matter of survival for me at this point.
Product: Debt collection

About two months ago, I received a very strange collection notice in the mail from CREDIT MANAGEMENT LP in XXXX I believe. I am out of XXXX, so this seemed strange. I called the number and they said it was on behalf of XXXX and wanted me to pay right away. I did not agree to anything. 
I immediately hung up the phone and contacted my service provider, XXXX, to ask about the collection notice. The XXXX representative said that my account was CURRENT and up to date. So, I ripped up the collection notice from CREDIT MANAGEMENT LP and did not think anything more of it. 

Now, XX/XX/2020 I come to find out that this collection company CREDIT MANAGEMENT LP, has fraudulently placed a COLLECTION on all three of my credit bureaus. Thus affecting my FICO SCORE and hurting my credit history. 

My ask, is that there be repercussions against this collection agent for their FRAUDULENT ACTIVITY. It has caused me a lot of grief, trying to remove this off of my credit reports PLURAL.
Product: Credit reporting or other personal consumer reports

I am unable to finance purchase of my car and not being able to reach Experian is causing me financial harm. The security freeze was put on my account. I tried to call Experian on ( 6 ) different numbers without any success reaching out live person. The automated response also directs me to the website which does not work and does not have any information to resolve. I tried to create free account. Experian is unable to do so as they are either having technical issues or can not verify my identity. I tried to login into my account as it may have been previously created ; however, none of my phone numbers which I have owned in my life are working. I tried to create account with my different email account and received technical error with the phone number which is another automated phone where you can not reach anyone. 

The dealership provided me with the number as well. After 2 hours on hold, the live person picked up and said that it will transfer me and it went nowhere as I was holding for another 1 hours with nobody answering. 

This is unacceptable.