23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened an account deposited two checks from another bank and was told my money would be available the next business day. I got a temporary debit card while I wait for the regular one to come but even after I activated the card it wouldnt work call the customer service number was told I had to wait 45 days for my money to be available and that the card should be activated. Went into the branch and was told that my money would be available for use XX/XX/23 it wasnt and the card still isnt working. I need to get my prescription filled but cant afford it because the bank wont give me my money.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I recently updated my banking information with Experian and began to continue my dispute with a property management company and apply my XXXX child to my account, with my devices being hacked I called and was told they could not add my child on their end. My subscription included this feature. I have reason to believe my child 's identity may be used or may have been used. Our social security cards were stolen, and my information has also been given to the dark web along with my child 's. I have explained to Experian that I have paid for a subscription I can not use. I do not want my money back, but I would like the services I paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I have inquiries that I didn't authorized also XXXX : XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Transunion : XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have over 76 inquiries on XXXX 64 on XXXX and 46 on Equifax that I did not authorize only inquiries that should be on my credit report are the one in which I have a open account. I did not authorize the other creditor 's to run my credit my information was stolen in data breach
Product: Credit reporting or other personal consumer reports

I received a letter regarding a security breach with XXXX XXXX and was given an Experian code to use for Experian Identity Works. 
I created the login, received text and email verifications but could not get into the account. Can not get a reset email. And can not get them on the phone, with any of the numbers provided. 
Experian is more of a threat to my financial security than a thief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this issue with XXXX  3 times. They have refused to show me proof or provide me with proof that I have a loan with this company even though I have told them I don't and the information is false. XXXX removed the faulty reported information on the first request. My issue is with XXXX   only. 
see attached document. 
Thank You.
Product: Debt collection

I am an former employee of the XXXX... I was injured XX/XX/2022 with XXXX XXXX XXXX .... while I was out recovering from XXXX XXXX XXXX XXXX, I was wrongfully terminated by the XXXX. My wrongful termination resulted in me accruing overwhelming medical charges on top of already being homeless from being fired.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau continues to report the following inquiries which is a result of identity theft and is not mine. I have not applied for them. 
Furthermore they also failed to respond and or provide me with documentation and proof that this is in fact mine. Which is impossible for them to provide but yet they ate still reporting it and it is highly damaging my report. 

The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These 5 inquiries are not mine and was somebody that keeps messing with my credit. ( Also XXXX XXXX is a credit card that they did close the card also due to fraud ) but the inquiry is still there.
Product: Money transfer, virtual currency, or money service

This is a follow up to Complaint ID Number XXXX. Venmo had promised to completely remove my information from their database after the expiration of the retention period of 180 days writing in part The data retention period for account information starts from the date when an account is closed, or the business relationship otherwise comes to an end. For example, if Venmo is no longer able to provide its services to a user, we may permanently suspend the account. Accordingly, the retention period for your Account information began on XX/XX/year>, when we took the decision to permanently suspend your Account. At the expiration of the retention period, erasure occurs automatically unless under exceptional circumstances as allowed under the law. You may be assured that during the retention period, your data will no longer be processed for the sorts of purposes associated with the use of active and live Venmo accounts, and your information will be securely encrypted until it is deleted from PayPal systems. The retention period ended on XX/XX/year>. Today is XX/XX/year>, 44 days later and I can still access my Venmo account but of course I can not use it. Venmo is retaining my Personally Identifiable Information ( PII ) for no reason at all and should their systems be breached ; I would be affected yet they claim to have cancelled my membership.
Product: Debt collection

Company is alleging that my XXXX bill was sent to them for collection and that I owe them {$130.00}. I do not owe XXXX anything as I moved out of the apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for these companies. I don't recognize these inquiries.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CEDIT REPORTING ACT, THE ACCOUNT BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC UNDER 15 USC 1681. XXXX XXXX XXXX : ACCOUNT # XXXX HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AFENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHR ADVERE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAT SEVEN YEARS. 15 U.S.C. 1681 S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF GTHE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. ATTACHED ARE CURRENT REPORTS FROM ALL THREE BUREAUS SHOWING DATE OF LAST ACTIVITY RECORDED INACCURATELY. THE XX/XX/90 LATE PAYMENT RECORDS ARE DIFFERENT AND INACCURATE. XXXX SHOWS CURRENT PAYMENT STATUS AS 60 DAYS. EQUIFAX REPORTS IT AS 30 DAYS. XXXX REPORTS THIS SAME STATUS AS AGREED. EACH OF THE THREE REPORT PAYMENT HISTORY OF SAME ACCOUNT DIFFERENTLY. XXXX XXXX XXXX, EQUIFAX 100 %, AND XXXXXXXX XXXX XXXX. AGAIN, FOR THE SAME ACCOUNT. I am writing to urgently dispute inaccuracies on my credit reports with XXXX, Equifax, and XXXX. These inaccuracies are critically damaging my finances and severely affecting my ability to purchase a new home for my family. The inaccurate information is causing significant harm to my credit score and, consequently, my financial stability. I request that all three credit bureaus promptly investigate and correct these inaccuracies to reflect my true credit history. Your immediate attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

This complaint is related to my credit report with TransUnion. 

On XX/XX/24 I submitted a dispute. TransUnion has XXXX XXXX  loan debts listed for me through XXXX XXXX XXXX XXXX I only have XXXX XXXX  loan total, and it is through XXXX XXXX XXXX The amounts TransUnion has for each loan are nearly identical, so it appears they are duplicating the same loan and listing both on my credit report. TransUnion does not list the full account numbers for me to reference when talking about the listed loans, and the numbers they do show are identical. I disputed that I had 2 loans, argued I only had one, and also reported that the amount has not been updated ( the balance is lower than listed ). 

On XX/XX/24 I received notice that they have completed the investigation. On their website, when clicking " Dispute Report '' nothing show. The agent I spoke to informed me that they listed that I disagreed with the item, and that I should submit another dispute for the same item to get it deleted. 

On XX/XX/24 I submitted another Dispute for the duplicate listing of my XXXX  loan debt. On XX/XX/24 I received notice of a completed Dispute investigation. Again, when clicking on the Dispute Report on the TransUnion website, no information at all shows. When looking at my Credit Report, it still only says " Completed investigation of FCRA dispute-consumer disagreed '' but lists the amount of the debt. 

At this point, I have no other option but to request the CFPB to step in and force them to correctly only list 1 XXXX  loan.
Product: Debt collection

I am writting to report multiple violations to my rights as a consumer. I tried to solve this matter with Discover Financial Services in the past, but they have failed to give me a fair solution to my issue. I have a Discover account XXXX, Opened Date XX/XX/2013, Credit Limit {$1000.00}, Balance : {$0.00}, status : closed. 

Discover Financial Services has been reporting incorrect information to the credit bureaus. I paid this accunt several years ago and they are reporting a recent last payment date. Also, they have failed to provide me with an answer to my letter sent back on XX/XX/XXXX. They did not listen to my demand and the did not even acknowledge my time spent in sending this correspondance to them. 

They are being Unfair and Negligent. They are also committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting false and erroneous information. This is affecting me physically and mentally and I want a fair solution to this issue. 

I am demanding a deletion letter from Discover Financial Services and I want them to stop collection activity on this account that is already closed and paid. If they dont provide me with the deletion letter that I an demanding, I will not hessitate taking this to a court so a judge decides. I am sure that when I sat down with my attorneys the list of violations will go up. 

Thanks to whomever reads my complaint. 

See attached documents sent to Discover Financial Services, which they ignored.
Product: Payday loan, title loan, personal loan, or advance loan

I filed XXXX XXXX  XXXX and listed One Main Financial as creditor and despite my filing on XX/XX/2023 case XXXX, CREDITOR ONE MAIN FINANCIAL IS STILL EMAILING, CALLING AND HARASSING ME TO PAY AND REAFFIRM THE LOAN. IVE PAID OVER 75 % of the principal {$5000.00} loan. I am asking for protection from this creditor. I will also advise trustee that This creditor is still contacting me. I politely let creditor XXXX XXXX XXXX XXXX and XXXX to advise client of my case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX XXXX XXXX over 7 months ago via phone, and via email as they requested that they were reporting my information incorrectly. They notified the credit bureaus that I owed them a large amount of money that was past due, which they reported nearly {$10000.00} in arrears owed on the loan. They assured me they would correct this along with reporting to being late over 3 months. I have notified them on several occasions and even disputed the findings brought out in this complaint with all three credit bureaus. They send me a letter stating that they had changed this in all three credit bureaus, however, all three credit bureaus are reporting the same thing. Therefore, I know they did not change the information, but they lied to me and sent me a letter stating that they have taken care of it. I have called them to correct this problem over 7 months and sent them correspondence requesting the change and investigation and they have not corrected the problem, instead they sold the message when I told them I was going to notify your agency. However, they are also reporting the loan open to XXXX Credit Bureau, so it make it look like I have more debt than I actually have, because Ditech is reporting the mortgage to XXXX and the new company XXXX XXXX are both reflecting on my credit report as open accounts, which is making my debt-to-income ratio higher than normal. I have tried to work with this company over 7 months. They have destroyed my chance to get a really good mortgage with a company who denied me based on these findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently submitted a dispute with this credit bureau earlier this month in regards to some line items which were being reported on my credit report. After having an investigation done it was found that a couple of accounts being reported were deleted but not all. Since then I have paid off some debt I owed on my credit card and brought my utilization down to a zero balance. I have reached out to one of the accounts being reported to the credit bureau and was told that they submitted a request to have the line item removed yet it hasnt happened. I just recently checked my credit score only to find out that my score went down 17 points. I have called the credit bureau to find out why they havent taken off the collections from my report, and why since some derogatory items which were removed earlier this month have a negative reflection on my credit report. Also why since I have paid off my credit card has my score dropped down 17 points. I still have yet to get any resolve to my original complaint I have filed earlier this month. All I receive is general statements referencing their concerns and how they would love to address my situation and fix the problem I am having with them. Attached to this complaint is screen shots of the mishandling of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a second request. There is an account on my credit report thats not mine. Please remove it. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told XXXX, Transunion, and XXXX to reinvestigate this accounts. Account name : XXXX : Account numberXXXX. It was stated everything was complete and accurate. How is this the case when in XX/XX/2022, this account was listed as being paid on time. The following month XX/XX/2022, it was listed as being XXXX day delinquent. It can not be reported that I was XXXX days delinquent without XXXX or XXXX day prior late payments. 

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 an 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 the information is inaccurate.

This account is not in compliance with the credit reporting guidelines. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

**Subject : ** Formal Dispute of Inaccuracies in Credit Report To Whom It May Concern, I am writing to formally dispute certain inaccuracies in my credit report, as outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681. I believe that the following account has violated my federally protected consumer rights regarding privacy and confidentiality. 
**Account Information : ** - **Account Name : ** Navy Federal Credit Union XXXX **Account Number : XXXX XXXXXXXX Upon receiving another verification of my credit report from your company on XX/XX/year>, 1 identified several discrepancies that were not accurately corrected, including the following : - Inaccurate account number - Inaccurate dates of last activity - Inaccurate instances of days late - Inaccurate payment history All inaccuracies have been circled in red, and the payment history is circled in blue in the attached documentation. 
Under 15 USC 1681 ( e ) ( b ), consumer reporting agencies are responsible for implementing reasonable procedures to ensure the maximum possible accuracy of the information contained in their reports. 
Furthermore, I have disputed this matter several times previously, yet the inaccuracies remain verified. 
This ongoing verification of incorrect information is a direct violation of my rights under 15 USC 1681i, which mandates that if an item is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, the consumer reporting agency is required to promptly delete the inaccurate information. Additionally, under 15 USC 16815-2, it is unlawful for any individual to furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 
The inaccuracies reported not only violate the law but also infringe upon my consumer rights. Therefore, I demand the immediate deletion of these accounts from my credit report. 
Please be advised that I am pursuing legal action in the amount of {$1000.00} for each inaccuracy identified, in accordance with the FCRA, specifically citing violations of 15 USC 1681i and 15 USC 1681s-2. 
Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue promptly.
Product: Credit reporting or other personal consumer reports

Hello, On XX/XX/XXXX, I received an alert that my credit score changed, so when I logged into my XXXX XXXX account, I saw that my score had dropped XXXX points. I thought that was strange, so when I looked at what happened, it said that I had a change in debt. I looked at all my " debt '' and it had nearly doubled. I thought that was extremely strange and the worst possibility was that I potentially had identity theft. I checked to see the debt I had and quickly realized that nearly all of my student loans had been listed on my XXXX report twice. My other credit score for XXXX was unchanged. XXXX XXXX lists 8 new MOHELA/DOFED accounts detected. I've had the same student loans since XXXX when I graduated, but my account says there are 8 new accounts open since XX/XX/XXXX. I know there are issues with the litigations going on, but my loans were placed in forbearance and are still in forbearance. I'm complaining because MOHELA has been difficult to work with in the past, and I'd like to start a formal paper trail for this occurrence. I'm also not sure if the issue is XXXX, but I want to get to the bottom of this. 

Checking my FEDERAL STUDENT AID account, I owe {$24000.00} in student loans, which is accurate. I took out the maximum federal loans for my XXXX XXXX. I earned an XXXX award in XXXX and paid off a little over {$6000.00} on a XXXX XXXX. One loan was paid off ( about {$1800.00} ) before I XXXX XXXX in XXXX. My XXXX credit report now says I owe {$49000.00}. That's nearly double my actual student loan amount. I have not taken out any other student loans, nor have my loans had enough time to double in interest, as it is only XXXX and they've been at 0 % interest for a few years since XXXX. Also, they're federal loans, so the rates were already around only 5-7 %. ( I'm just stating the obvious ). I am going to work on disputing the duplicity, but again, I want to document this egregious and ridiculous error.
Product: Credit reporting

I HAVE ALOT OF INQUIRIES ON REPORT THAT ARE NOT MINES NOR DID I AUTHORIZE. I HAVE also submitted XXXX for user accounts still on credit report. I ALSO HAVE SUBMITTED FTC ID REPORT FOR ITEMS THAT SHOULD BE DELETED. 

XXXX XXXX ACCOUNT SHOULD BE DELETED AS WELL SINCE COMPANY SOLD MY AGREEMENT.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XX/XX/XXXX -- {$4100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$710.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$360.00} XXXX XXXX XX/XX/XXXX -- {$360.00} XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an inquiry on my current credit report that I did not authorize and have no knowledge of submitting. 

Creditor Name : XXXX Type of Business : Not Listed Date of inquiry : XX/XX/2022 Credit Bureau : Equifax
Product: Mortgage

I had previously filed a complaint XXXX XXXX and did not add that the rate renewal shall be based on the unpaid balance. Capital One has based it on the original loan amount.