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

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 4. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Identity Theft XXXX XXXX I Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. AMEX  Account Number : XXXX Please remove it from my credit report. 

11. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

12. XXXX Account Number : XXXX Please remove it from my credit report. 

13. XXXX Account Number : XXXX Please remove it from my credit report. 

14. XXXX Account Number : XXXX Please remove it from my credit report. 

15. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

16. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

17. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

OK. So this is a bit of a long story, but I am XXXX  of being raked over coals. 

I have XXXX payments that were supposedly " missed '' and I will dispute them to XXXX and back because I always pay my debts on autopay. 

One is with TRUIST bank, a loan I have through them, that withdrew money through my account with them. They said I missed a payment and knocked my credit score down XXXX points. 
My own bank, which withdrew every other payment except the last one, which they reported as late which is XXXX. 

Paypal did this as well and when I got a restoration of some credit, it was nowhere near the XXXX points it dropped me. 

I had excellent credit. My balances routinely look maxed when they were not now because of how lenders work. 

The lender tells me to contact the bureaus, the bureaus tell me to contact the lenders. 
No one will help me, and I feel that I am being treated unjustly. 

I have hard inquiries on my report now because I am trying to lower all my balances. No one will take someone with a below XXXX score. 
So yeah.. Dropped credit limits, which lower score, which lower limits, which lower score is just not going to cut it for me. 

They couldn't possibly be wrong.. It has to be that I am a bum who doesn't pay my bills. 
I make {$74000.00} a year but since I've been getting circular whammied over and over, it doesn't even matter because I have had to kick so much debt around. 

Lenders, credit reporters, dispute handlers, are all useless and none want to restore me to what my credit was. 

I can not stop it from being bad because of the balances looking maxed out, and these people making mistakes they blame on me. I will dispute this over and over again because I've been wronged. 
It's like they know regular people can't lawyer up, but I could put them on TV.
Product: Mortgage

Hi I would like to file a complaint against A loan officer from fifth third back due to false information and damaging my family. I am a mom of XXXX who had previously owned a property that was cashed payed back in XXXX, I tried applying for the first time for a loan and I meet with XXXX XXXX like around XX/XX/XXXX from fifth third bank who assured me that I was good to apply. I submitted documents in regards to my income and he always knew that I was a 1099 ( self employed ) I was not a good candidate for a loan due to my income from my previous taxes year XXXX and XXXX. I had not clue and I fully trusted this loan officer. He also knew that I had to sell my house first in order to buy and he still allowed me to proceed knowing that I was not going to be approved for the loan, I sold my house in XXXX XXXX staying without a home and leaving my childrens without a home waiting for XXXX to give us the great news. XX/XX/XXXX he calls and says I was not approved for a loan due to my income when I had already paid for the loan application, gaved XXXX money, and paid inspection. XXXX gave me a pre qualification letter without any explanation and and without verifying my income /assets correctly. Now Im homeless and about to lose my {$4000.00} XXXX money because this loan officer gave me false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account appear in my credit report it does n't belong to me, I have not idea why Equifax refuse to fix it this issues, please this company in out control. we need somebody up there to do something. 
account # XXXX XXXX XXXX # XXXX account # XXXX XXXX XXXX XXXX # XXXX account # XXXX XXXX # XXXX account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX # XXXX
Product: Student loan

This past XXXX I sent {$1600.00} to my loan and on XXXX separate installments of {$800.00} and it was reversed both times. 

Then I sent another payment and it was this morning XXXX said it was received and then I checked it again payment was rejected. The funds are on my debit card. They are not making it easy to pay online
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00}
Product: Checking or savings account

A person went in to my account and reverse bill that I had paid and made it look it was me and I told Chase that now of it was me so they say that I od them XXXX dollars for the checks that went in my account they closed the account so I don't know how they say that I took money out and they did not tell me about what was going on tell couldn't get in my account so I fill that they wrong for not telling me what was going on when it was happening to me.i had to come in the bank to know what was up and the person that this reverse my bills that I had all ready paid I had to fright for were is staying because the person reverse XXXX months of my rent that I paid went on the computer and electronic checks from places were I went and brought at the store and wrote checks from my account that I did not know about.i need the red flag off my name because I don't od them nothing.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. ACCOUNT NUMBER:XXXX  XXXX XXXX XXXX  ACCOUNT - ORIGINAL CREDITOR XXXX XXXX XXXX THIS ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE. MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. ACCOUNT NUMBER:XXXX XXXX XXXX XXXX ACCOUNT - ORIGINAL CREDITOR XXXX XXXX XXXX THIS ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE. THEY ARE PUTTING ACCOUNT ON MY PROFILE THATS NOT MINE PLEASE REMOVE THEM
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan opened with consumer auto credit on XX/XX/XXXX, and auto loan opened with first trading company on XX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXXXXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Despite providing the Chase fraud department with a police report, my claims for multiple unauthorized transactions totaling {$11000.00} in XXXX XXXX XXXX and XXXX XXXX were denied by the Chase Business Claims Department. The transactions in question include Claim IDs XXXX - {$2200.00}, XXXX - {$2200.00}, XXXX - {$4300.00}, XXXX - {$170.00}, XXXX - {$450.00}, and XXXX - {$1100.00}. I maintain that my card has been stolen, and I am a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  the following companies/accounts have violated my rights ; 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

1 ) I have Different balance amounts that are on my credit report.
2 ) Also I have late payments of 90+days being reported when they should 've been covered under forbearance or deferments I always applied for those when I was unable to pay.
3 ) I do n't know if the interest rate is changing but I can never   catch up to paying my balance off yet alone down.
Product: Student loan

after completing paperwork for income based repayment I was approved for {$0.00} a month but according to Navient that does n't not count toward my 10 years. How can I be approved for income based payment and it not count for the 120 months.
Product: Debt collection

ICS said the account was opened XX/XX/2023 but I had been with XXXX for at least 2 or three years. The account status says open but when I called XXXXXXXX XXXX fraud dept, they said there was no information on my account that I owe anything. 

I talked to customer service and they said the same. I had a debt like this years ago and it was paid because I had XXXX  ( now XXXX ) after that, which wouldn't 've have happened if the debt wasn't paid. Again, years ago. 

This is fraudulent. I only received the debt from ICS and then they appeared on my credit report. I can provide my service provider billing info at the time for XX/XX/XXXX because I wouldnt have two different internet companies at the same time. 

I told them to prove i owe it to which they said i owe them in response. I disputed and they said in the email, " thank you XXXX XXXX for your help, you can set up payment arrangements for the amount. 

Back when they were billing me this- I called XXXX and the lady said someone at my old address racked up the bill. She said she would take care of it and I heard nothing for months until I had it on my credit. I don't mind paying what I owe, but not what I don't owe. I was part of the XXXX compromise and have had numerous problems since.
Product: Debt collection

XX/XX/XXXX - I called Jefferson Capital and requested what the debt was for and how much I owed, I was told they had no information that I had to call XXXX XXXX. 

XX/XX/XXXX - I called XXXX XXXX and was told they werent in charge as well and that its currently on a placement hold for another XXXX business days. They had no information on file, just saw my name on there account list. 

XX/XX/XXXX - I called Jefferson Capital again and was told for me to stop calling them that XXXX XXXX has all my information. 

XX/XX/XXXX - I called XXXX XXXX again to request a letter stating what I owed or any information about this account. I was told they had no information and that I have to wait XXXX business days to get any information. I requested authorization for the credit bureaus to speak with them and they said no. They clearly had no answer for me and had no information for me to discuss.
Product: Debt collection

Collection company would call several times a day even when I asked them to stop calling. XXXX XXXX the interest appeared to continue to go up. When I thought I was close to having the account paid off, the amount would go up again. It was a ever ending loan.
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 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: Checking or savings account

their bank accounts that are not mine from XXXX XXXX XXXXtried disputing it with XXXX  without an outcome
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Escalation Management Team ; See the attachment. It's impossible that this account was ever trufthfully verified. DELETE please, it's a ghost account. 

Im still extremely concerned about the way this account is still reporting on my credit profile. Its impossible that your agency truthfully verified this account below because as you can see on the screenshot, there are several inconsistencies in the way this account is reporting between Experian and XXXX. Its my understanding that the account needs to report 100 % accurate, 100 % timely, and 100 % verifiable. Not only this account passed the statutory mark of reporting base on the date of last activity, but the inconsistencies between the 2  credit bureau is by far incorrect, and incomplete. As you can see, the DATE OF LAST ACTIVE for Experian is XX/XX/XXXX, but XXXX shows XX/XX/XXXX. There is 4 years apart and also the payment history shows different than the actual DATE OF LAST PAYMENT of XX/XX/XXXX and XX/XX/XXXX. This is incorrect, and its a ghost account. It must be deleted from my credit report as its illegally re-aging my credit. 

Again, I demand that this account from XXXX  XXXX XXXX XXXX  be deleted from my credit report immediately and I want a new credit report sending to me reflecting the deletion. THANK YOU!
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of XXXX Accounts - Urgent Action Required from XXXX and Equifax Dear Credit Bureau Representatives, I am writing to bring to your attention a critical matter regarding my credit report. Recently, I discovered that XXXX has deleted XXXX accounts from my credit report due to inaccuracies. The accounts in question were erroneously reported and have since been deemed invalid by XXXX. 

As XXXX has taken the appropriate action to rectify this error by removing the accounts from my credit report, I am requesting that XXXX and Equifax also follow suit and delete these same accounts from my credit reports with your respective bureaus. 

The inaccurate reporting of these accounts has had a detrimental impact on my credit score and financial standing. It is imperative that all three major credit bureaus accurately reflect my credit history to ensure fair and accurate assessment by creditors and lenders. 

I have attached documentation from XXXX confirming the deletion of these accounts for your reference. I kindly request that XXXX and Equifax investigate this matter promptly and take the necessary steps to remove the disputed accounts from my credit reports. 

I appreciate your attention to this matter and look forward to your prompt resolution. Should you require any further information or documentation, please do not hesitate to contact me. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third-party involved. Upon reviewing my updates, incorrect information were found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I am writing to formally file a complaint regarding MOHELAs failure to post a payment to my student loan account. The missing payment, in the amount of {$680.00}, was made on XX/XX/2024. I have the confirmation number available upon request. Despite repeated efforts on my part to resolve this issue, MOHELA has failed to properly address the matter, leaving me frustrated and without resolution for over XXXX months. 

Here is a timeline of the steps I have taken and the responses from MOHELA : 1. First call : I was instructed to wait three months for the payment to post to my account. 
2. Second call : I was asked to upload a copy of my bank statement as proof that the payment was processed. 
3. Third call : I was told the payment would be processed by their Account Receivables team. 
4. Fourth call : I was informed that the payment was never processed, and I was asked again to upload a copy of my bank statement, which I did. 
5. Fifth call : I was told that the issue had been escalated to management, and I should wait 10 business days for resolution. 
6. Sixth call : After waiting more than 10 business days, I was told to call back in another 5-7 business days for updates, but there has still been no progress. 

It has been a total of XXXX months since I made the payment, and MOHELA continues to give me the same instructions without ever resolving the issue. I feel that I am being deliberately given the runaround without any intention from MOHELA to address the missing payment. 

This lack of resolution and failure to post my payment is negatively impacting my account, and I am seeking your assistance in ensuring that MOHELA appropriately posts my payment and rectifies this situation.
Product: Credit reporting or other personal consumer reports

As per the guidance from the CFPB, the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXXbondage, which falls uder XXXX XXXX accourding to XXXX XXXXDebt Final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block andremove this information from my credit report with FOUR BUSINESS DAYS. 

Please delete the following accounts : XXXX XXXX XXXX XXXX.bal. {$460.00} XXXX  XXXX bankruptcy : Bankruptcy bal. {$0.00}
Product: Credit reporting or other personal consumer reports

Attached Notice dated XX/XX/XXXX was sent to Equifax concerning several violations on my credit report dated XX/XX/XXXX. Violations in the following areas were found throughout my Equifax credit report : -Privacy Act of 1974 -15 USC 1681 violations - Public Law 90-321 -15 USC 6801 -12 CFR 1016 -Chargeoffs Violations were tallied and resulted in 358 violations. I have not received a response from Equifax as of yet.
Product: Debt collection

Lady keeps calling me about 5 times a day and was saying they ( HSB XXXX are trying to collect on a old debt. She knew my social security number! I do not have any negative debt showing on my credit report! When I told her that the debt no longer exists, she hung up on me. Phone # is XXXX from XXXX XXXX, N.C. She said her name is XXXX XXXX I did tell her to mail me a letter if this call is actually legit!
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit XXXX, Transunion, or XXXX permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights. Please remove the inquiries from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block Inc ) due to inadequate customer service and unfair practices which violates CFPA. Specifically, CashApp failed to take timely and effective measurement to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution under the EFTA and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.