23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

XX/XX/XXXX I closed an account with GE Money Bank/Care Credit. The balance owed to me was {$120.00} however GE Money Bank would only acknowledge {$39.00} of the {$120.00} actually owed. It was XX/XX/XXXX, national banks did whatever they wanted. The consumer had no rights whatsoever. 
Fast forward, to XX/XX/XXXX, I get a notice from Synchrony Bank that account ending in XXXX had a refund balance of {$39.00}. I jumped through all Synchrony 's hoops and returned the requested form three ( 3 ) times via certified mail. Synchrony still claims that they are investigating the refund or it has been forwarded to a third party vendor or it was refunded to the state of Illinois. The correspondence from Synchrony Bank states that the account is owned by Synchrony Bank so the investigation and 3rd party vendor claim is just another pack of national bank lies. The State of Illinois Attorney General, XXXX XXXX, Case # XXXX, states that she has not received a response from Synchrony Bank.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making XXXX XXXXXXXX XXXX XXXX it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

It took me months to go back and fourth, I have hard credit inquire on my all three reporting agencies between XXXX some are dated XXXX and XXXX of the month auto loan. I never gave permission to second nor third parties to use nor abuse my credit. As you see many used it months, or days without my knowledge. I now have alert on my report once again. I did reach out to these company which was stated not seeing anything on their end with my name, as my information is not in their system I'm asking for them to be removed and updated. Thank you
Product: Credit card or prepaid card

See Complaint #XXXX >> USAA cancelled my card -XXXX because they said it was "compromised". I was told a new one was sent. After a month I have not received. I tried to resolve by phone, but would only verify my identity by mobile phone or email to which I do not have access, so agent XXXX and supervisor XXXX would not continue to resolve this problem.    I was finally able to reach the agents both XXXX and supervisor XXXX each of whom did not bother to listen to the problem. We have been sent a replacement card, but it is the card -XXXX which had not been compromised and is still valid. I had been very explicit that the card -XXXX in the name of XXXX XXXX had been cancelled, was supposedly replaced, but we had not received it. So, by not listening, these two agents instead had the wrong, still active card - XXXX sent us as a replacement and still the card -XXXX has not been replaced and is now voided.I also got a telephone call from someone at USAA "business" something, but this woman did not leave a return telephone number.
Product: Debt collection

After reviewing my recent credit report, I found an account that appears to be incorrect and was added without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy Chapter XXXX listed on my Experian, XXXX XXXX and XXXX reports. 

I have not filed a Bankruptcy within the last 15 years. 

I have disputed this Bankruptcy which is appearing on my credit reports, and the credit bureaus have left this on my reports.
Product: Credit reporting or other personal consumer reports

Account status had not been updated since XXXX of 2023. Account was paid off in XX/XX/2023. As of XX/XX/2023 account is still not updated as paid in full on credit reports for all three reports. Company is refusing to ensure update takes place.
Product: Credit card or prepaid card

On XX/XX/2022 I bought 1 ticket to a concert from XXXX XXXX XXXX, using my Paypal credit card. At the ticket counter i could not produce a barcode from the XXXX XXXX so i could not enter the venue. The director of Ticketing said that that XXXX did not buy any tickets for the venue for the concert. she also said that scalping tickets " real or otherwise '' is illegal in Florida. The XXXX tickets were bogus and I demanded a refund from Paypal. After contacting XXXX they denied my claim to have the ticket cost refunded to me. I had to buy a ticket at the ticket gate to enter the venue. Please contact Paypal as to why they denied my claim. I have attached a signed letter from the director of ticketing at the venue with a copy of the actual ticket I bought to enter the venue. Thank you- XXXX XXXX
Product: Debt collection

I received a call from XXXX XXXX. The XXXX XXXX. representative started the conversation by stating my name and asking if that was me and then said " I have your social security number ending in XXXX '' and asked if this was correct. I told him I would not verify that until he told me what this was about. He said he knew my whole social security number and proceeded to rattle it off. Again, I told him I would not verify it until he told me what the call was about and he said he would n't tell me what the call was about until I verified my social security number and then he hung up. I called the number from caller ID back, and after being told they have no record of my phone number I asked to be transferred to a manager. I was told by the " manager '' that they were calling about a Discover Card. I told her I did not have a Discover Card. She told me they were calling about a debt from 1996. I told her that debt was written off a long time ago and that they were way beyond the 7 year statute of limitations and that they were clearly a scam at which point the " manager '' told me " we 're about to come after you '' and then hung up.
Product: Debt collection

Bank of America About ten years ago i had an account with Bank of America, but their fees were so high I cancelled after two months. I had a safe deposit box which i cancelled as well, but three years ago i got a bill for {$75.00} which was I thought resolved and they closed it with no charge.

But today I received a letter saying to return keys and pay XXXX I have no keys and this was supposed to have been resolved three years ago.. I want to know why all of a sudden i get a bill?
Product: Credit reporting, credit repair services, or other personal consumer reports

last month i took a look at my credit report and noticed that i had 2 fraudulent accounts on my credit report.
Product: Mortgage

1. After repeated attempts via correspondence, phone calls, and a visit to the original " mortgage '' lender, I have not received a mortgage statement since XX/XX/XXXX. 

2. In viewing my mortgage " on line '', they use a term that is without explanation and for which I can not find an explanation, " advance reversal ''. I have a straight mortgage, not a " reverse mortgage ''.

3. In all correspondence with me, the company states, " we are reviewing your mortgage and will have an answer for you within 15 days, or what ever the law allows. '' 4. When I went in to the actual mortgage provider, under duress, that person called the servicing company, and the person she talked to stated that they would provide the mortgage statement for XX/XX/XXXX ( this was the end of XX/XX/XXXX ) within 3 business days. I still have nothing.

5. Then, I received a phone call from someone at the servicing company. I said : just send me an up to date mortgage statement with the coupon for XX/XX/XXXX. This was on XX/XX/XXXX and I had already made, and the payment had arrived, for XX/XX/XXXX. Last Friday, XX/XX/XXXX, I received yet another letter stating that they were looking in to the problem and that they would provide an answer within 15 days, or as long as the law allows.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies may not report outdated negative information that is more than seven years old, or bankruptcies that are more than 10 years old. On XX/XX/XXXX I filed a dispute to the Experian Consumer Reporting Agency that the accounts XXXX XXXX XXXX ( Opened XX/XX/XXXX ) and XXXX XXXX XXXX ( Opened XX/XX/XXXX ) are too old to be still negatively affecting my credit report and were supposed to have fallen off my credit report by XX/XX/XXXX at the latestyet even after Experian investigated the dispute XXXX Experian did not remove the outdated account, which has sustained the potential for XXXX XXXX XXXX ( Opened XX/XX/XXXX ) and XXXX OF ED/NELNET ( Opened XX/XX/XXXX ) to negatively impacting my XXXX XXXX beyond the date of XX/XX/XXXX, which has contributed to impeding me from improving my XXXX XXXX to get the best available terms on future loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX  Account, # XXXX has violated my rights under 15 U.S. Code 1681 section 602 which states I have the right to privacy, 15 U.S. Code 1681 section 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions. This collection account is also being reported with several different open/closed/activity dates, balances and last payments dates which is a violation of FCRA and Metro 2 Compliance. I have disputed this several times in attempt to correct the inaccurate information that is being report, however they has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Product: Student loan

Please review my case with you ( XXXX ) - I believe your inquiry did not obtain all of the relevant information and I have provided additional information as Feedback within case XXXX.
Product: Mortgage

Received letter from Money Network in the mail to upgrade an account. I do not know what type of account it is and I do not have an account with Money Network and I believe this is a SCAM. If this is not the right forum or site to report this please let me know where.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX,2021, Navy Federal ran my credit unknowingly which resulted in a hard inquiry on my credit report. I called the company to resolve issue, no action was taken
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX opened XX/XX/XXXX and a collection with XXXX XXXX XXXX opened XX/XX/XXXX XXXX
Product: Debt collection

The account is reporting the incorrect amount due. Not to mention, my credit report shows this as charged off, and I never received a 1099. I would like the 1099c because the credit report shows it as a charge-off, and that's not how it's being reported. Under the FCRA, my rights are being violated. I've tried to dispute this through individual bureaus, but no action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the recent investigation done by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question : DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX  XXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1900.00} DEPTEDXXXX XXXXXXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}. Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or remove these disputed items. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time the Bureaus are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless they notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the items must be promptly updated or deleted according to Section 1681i ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am stressed and displeased that I see there is a bankruptcy on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. My information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and according to 15 U.S.C. 1681, you should be protecting my privacy and the accuracy of my report. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Upon speaking to the bankruptcy court, they do NOT furnisher people 's information to 3rd party so this is illegal, neglect and fraud. You all can get sued for these damages. This is negatively effecting my livelihood. I can't provide a good life for my children due to these falsified damages from the bankruptcies. I am upset!! You all are a secondary bureau that houses consumers information. I feel your database is inaccurate and I am filing ligation against this.
Product: Credit reporting or other personal consumer reports

Equifax investigated XXXX XXXX XXXXon my account they determine that it was fraudulent information and the information was to be deleted and it wasXXXX. After I provided the identity, theft report from the FTC. However the information ended up back on my report XX/XX/2025 I then submitted another report at the end of XXXX to the CFPB The fraudulent information was again removed on XX/XX/2025 now the information has been back on my report again for the third time as of XX/XX/2025 and they are now refusing to remove This fraudulent information.This is a violation of my rights under the FCRA. This is the 3rd time I have requested an investigation on this issue. Each time I requested procedures used to confirm the false information and it has yet to be given. This false information has been causing major problems and is defamatory to my character as this information is untrue. and the failure to properly investigate and remove this false information and assure maximum accuracy of my credit report is grounds for a lawsuit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Mortgage

I currently got behind on my mortgage payments due to COVID-19. Hours were cut then the primary lost his job. I sent s modification package with all docs on XX/XX/XXXX via overnight but the post office lost the package. I had provide the tracking number and kept calling back so on XXXX I spoke with a rep who when over the COVID-19 careact and submitted for that she stated on that call she would tell the loss mit dept to disregard docs because careact help does not need docs. After that call 2 other reps called me about missing docs but then stated that seen I was pending for careact and could take up to 30 days stated that I didn't need to send docs. The last call being on XX/XX/XXXX. Then on XX/XX/XXXX when I called I spoke with an XXXX XXXX ID # XXXX who stated that I need docs XXXX didn't understand what I was trying to explain what XXXX stated to me was that " I could hung up and call back and speak with someone if I didn't like what she was saying ''. I requested for a supervisor the supervisor she connected me with was her supervisor whom name was XXXX after explaining to XXXX. XXXX ask me so " you were trying to use your mod docs from XXXX we can't use Mod docs from that far back '' I never said that and don't even know were he got that information from. Ask XXXX repeatedly to pull the call from the last reps going back to the rep who offered/submitted me for the careact XXXX began XXXX say things that I don't know what he was saying almost like he was disorientated. I have made multiple calls to try to resolve this matter with no assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT ALLY FINANCIAL ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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: Vehicle loan or lease

my vehicle was repossessed on or around XX/XX/XXXX for a used XXXX XXXX accord with a loan amount of XXXX with an interest rate of 20.38 % at the time of purchase. 
i have sent the company a letter of rescission, well within my right according to 1026.23 12 CFR 226.15 today makes the 20 day period from date of sent letter i have not heard from company Capitol One Auto Finance.
Product: Debt collection

I moved out of XXXX  at XXXX  my place was immaculate and I have a witness my gf moved out with me. They owed me {$300.00} deposit never set it and then lied to collections said I have to pay for clean carpet. I lived there a year paid XXXX building has to put new carpet for next tentant not my responsibility and they tried to charge me to clean cabinets that were clean? They also put me in for {$170.00} collection I dont owe. Never validated my dispute and lie and said they sent it. They also violated the fdcpa and didnt state the mini XXXX while trying to collect this fraud error on my report I dont owe. Its also out of the statue of limitations. Call on XX/XX/24 violated fdcpa. 
Ideal recovery and collection in FL!
Product: Vehicle loan or lease

Continuous errors on Carvana 's behalf. My vehicle is jointly owned. Originally, they only had 1 owner on all the paperwork. Caught that mistake, had to send all paperwork back out to be corrected. They've issued me a temporary extension ( tag ) which is not valid for the State of XXXX. I learned this via State Trooper on XX/XX/XXXX. The current extension is for the State of XXXX ( Their base ). Purchased my vehicle on XX/XX/XXXX. Its been 3 months and I have yet to receive my registration nor can they issue me an extension on my currently expired registration which means I have a car I am currently making payments on which I can not legally drive and I have been driving my vehicle without a valid tag for all 3 months. I am in the XXXX. The military does not take transportation issues as an excuse. Their solution is to have me continue to wait on the registration department and a {$500.00} rental reimbursement which will take another 45-60 to receive. {$500.00} doesn't even cover a rental for a week. The perfect solution would be my registration, expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Equifax, and XXXX several times via phone and online on numerous occasions in regards to inquiries that I did not authorize or I was not familiar with. I get the same results every single time and it is affecting my scores and it looks like I have been searching for credit opportunities which I have not. I am trying to purchase things and it has made it practically impossible to do when seeing places that I didn't acquire credit from. I have disputed and reached out to the credit bureaus on numerous occasion. I need the companies to send proof or validation or it needs to be removed immediately. 

The following inquiries were not authorized : XXXX XXXX x3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX x2 XXXX XXXX XXXX XXXX XXXX XXXX  x2 XXXX XXXX XXXX XXXX XXXX x2 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reach out to presige financial about innacuracies on my credit and ask to validate the debt as well as original contract. They have not responded within the legal amount of time and have unaccuries on my credit report and addresses and amounts they can not validate.