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

I've explained that I was a part of a XXXXXXXX XXXX XXXX, my personal information was stolen and used against my knowledge. Each bureau removed the charge from my credit report and the charge was just put back on my credit report and not XXXX person has contacted me from XXXX informing me that this charge would be put back on my account. Please remove this from my credit report as soon as possible. This is fraud on my account...
Product: Credit card or prepaid card

Direct deposit was not added to my card. Tried call ing NetSpend and XXXX and was told there was a glitch which unbeknownst me was happening for more than five days. No one contacted me as to the problem occurring which would have allowed me to contact my employer to not do direct deposit and find other means of recieving my paycheck. XXXX and NetSpend have disabled their phone lines preventing anyone experiencing problems with their cards from contacting them. My rent s due and my food supply us low. I need my money  now!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I cant believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, its more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX XXXX accurate. 
Account name : XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report. 



2. Unauthorized/Erroneous Account RESULT OF The XXXXXXXX XXXX XXXXXXXX Direct Violation of The FCRA Reporting falsely. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices Account name : XXXX Account Number : XXXX Please remove this account from my credit report. 





3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
Account Name : XXXX Account Number : XXXX Please remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

The account is XXXX mortgage with XXXX XXXX Transunion reporting agency payment. History should be 100 % clear no late payments but the status should read paid closed never late, which it does not. I have tried multiple times to fix this with XXXX and they have failed to do so. I have mailed and documents I have tried and tried to try it again, but I get nowhere. This is preventing me from qualifying for a better interest rate on a new home loan if XXXX XXXX Transunion would look into my credit report they would clearly see that I do not make late payments ever, so this does not match my credit profile. I DO NOT MAKE LATE PAYMENTS EVER.
Product: Debt collection

I took out a personal loan in the amount of {$300.00} in XX/XX/2017. I agreed to repay the loan {$130.00} per month for ( 3 ) months. The loan company was able to get the first payment, after which I was having difficulty with the credit union. ( The institution was honoring different companies requesting funds not entitled to the by what they called virtual signatures ), which caused me to become overdrawn. I advised them of the problem and the account was closed until this could be remedied. I agreed to pay the remaining balance of approximately {$260.00} in full once I received my tax refund or within 30-45 days. I had spoken to them a couple of times keeping them informed of the my most current status. In the meantime I get a letter in the mail requesting the entire amount was due payable. I had agreed to repay, but now they're asking for more than twice the amount agreed upon. ( {$660.00} ). I have tried to reason with this company to no avail. I already have problems with XXXX, I don't need any more negative reports. I just want to pay my correct balance and be done.
Product: Vehicle loan or lease

I disputed this report two times through XXXX. I called the Company 3 times. They won't change my 30 day and 60 day pass due months after loan was paid. They lost a check from my GAP insurance and got a new check sent and cashed. 3 times there people told me it would be taking care of, I heard other people with the same problem
Product: Money transfer, virtual currency, or money service

I was told of zelle from.a banker at XXXX  where I currently bank. When using the app I sent money while learning how to use the app. I wasn't warned of the final.step it just sent and I had ko way of getting y The funds back
Product: Credit reporting, credit repair services, or other personal consumer reports

According with the FAIR CREDIT REPORTING ACT # XXXX FORMERLY XXXX XXXX XXXX, has violated my rights 15 U.S.C 166b A Creditor May not treat a payment on a credit card acount under an open end consumer credit plan as late for any reason.!!!!!!!!
Product: Credit reporting or other personal consumer reports

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


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

FedLoan Servicing. My XXXX loans were through XXXX XXXX XXXX XXXX XXXX XXXX XXXX Once I graduated with my XXXX  Degree FedLoan Servicing had my loans. They told me I had to consolidate everything for Public Service Loan Forgiveness. I consolidated in 2011 and since that time worked for a XXXX XXXX making payments which continued to increase each year as expected due to income driven repayment. Each year when I would certify they would tell me I had not done the certification in a timely manner and would say I owed about 900.00 ( two payments together ) or would make me take a monthly foreberance and take a hit in interest and principal. This happened for 5 years total. I have now also been made aware that because I was told I had to consolidate I missed the opportunity of loan forgiveness through XXXX. This has in return caused a significant increase in my student loans which are currently about 72,000 which FedLoan Servicing continues to service with outrageous interest rates and all my penalties in 10 years I will have paid almost 200,000.00 Each year I dealt with this gross misuse and unethical practices and threats. I have each certification from my HR rep and notes in my FedLoan account about my continued concerns for not being given the correct information or slow processing times and then being threatened with fees or outrageous payments. Thank you for any help available.
Product: Credit card

I ( Consumer/Creditor ) applied for a line of credit in good faith. I've taken the time to respond and contact the credit company American Express regarding being denied the right to increase my credit limit/access.

15 US Code 1602n, clearly stats that I am the creditor whom initiates the use of the device ( SSN # ) to grant access for said securities to be used. The security interest in the property order has not been met for the transaction.

Adverse Action under, 15 US Code 1691a, does not define grounds of denial. This is by law stating I the Creditor am granting American Express the right to extend credit. Based upon, 15 US Code 1602f, it is by my knowledge of my rights that I have not received but yet denied my rights.

The application is a security bond that is granted to American Express, although I ( Creditor ) have not received benefits or the services for granting access of application through my SSN #, which violates the rules through Truth and Lending and the Federal Reserve Act, in which the establishment ( American Express ) has failed to honor.
Product: Credit card or prepaid card

I reached out to Wells Fargo claim assistance center to take a look at these transactions and refund my money as I did not authorize any of these charges made under my name through XXXX with the merchant called XXXX. They says its been so long and wont be able to help I need my money back. Following are all the charges made under my account through payment with my credit and debit card. 

All the amounts are in dollar 
Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have the right to a fair credit report that is 100 % accurate and the information being report must be correct. 
In accordance with the Fair Credit Reporting act XXXX the following company has violated my rights. 

Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX FCRA Section 611 ( 15 U.S.C. 1681I ) states inaccurate and non-validated information MUST be deleted from the consumers file in accordance with paragraph ( 5 ) ( A ). 

I come to XXXX as a last resort for help addressing this on going grossly negligent matter. I wrote to the original creditor and all 3 bureaus disputing the accuracy of the improper accounts mentioned above, that is negatively affecting my credit accounts. The accounts are being reported in error. XXXX XXXX Bank made an mistake in reporting the account. 

The company and all 3 bureaus named in my complaint claim an investigation verified the debt. Which only matched my name with the accounts above. My dispute is simple. i accept that i was late with my payments and became delinquent due to financial hardship from the effects of Covid aftermath. However first premier bank emailed me and stated that should i make a payment they would not charge off my account. I made that payment for more than the asking minimum. Then later paid the accounts off in full. I was under the impression the payment would stop my accounts from being charged off. I only discovered the charge-off when i was denied a personal loan. The credit bureaus had the accounts i paid reported as charge off unpaid. After my 3rd dispute the bureaus adjusted the reporting to paid charge off. My complaint is the original creditor misrepresented the facts to the bureaus and continue to provide a false statement. Which the bureaus continue to report inaccurate information. 

The response i received to my complaints from the reporting agencies was to only update the account as " disputed ''. Instead of deleting the inaccurate information. Not once did anyone provide me with anything that proves their claim. To my understanding creditors must provide proof of claim. Nothing provided to me shows the full payments i PAID were not received ( such as a returned check etc ) and therefore the companies would have proved they were not paid and i indeed owe the debt being reported. 

I have included evidence to support my claim. I also included an email that was repeatedly sent to me in error for a person named XXXX XXXX XXXX, an attempt to collect a debt she owed. In spite of me informing the collection company they are sending her collection emails to my personal email account and to correct their records. However they continued to harass me sending multiple emails for the wrong person. I understand errors happen and mistakes can be made, but when errors defamate my credit worthiness, i demand they promptly be corrected. I will continue to dispute this improper reporting until it is deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to fix my credit and take responsibility for my bad judgement from back in the day. I only had an account from kohl’s that would have dropped off in 2 years but I still contacted them and told them I would like to pay off the debt. I had a XXXX dollar kohl’s card from several years ago that I had totally forgot about because I moved to Pennsylvania and had gotten a Divorce. When I spoke to the women on 8/1/2019, she told me and kept telling me that if I paid this today, it would completely come off my report. I said are you sure it’s not going to just say “paid?” And she said “no, we will remove it completely” - so instead of waiting 2 years for it to go away completely, and they would have been the better thing to do for my credit, I decided to pay the $595 (almost 300 more in interest and fees) because I was promised it would be removed completely. I have been responsible with my credit, fixed things and have been up to date and early on all payments. They have not fixed it or removed it from my account. I’ve called them several times and they said they were goin to and they don’t so I keep disputing it with equivalencies hoping they will keep their word, like I did when I paid it in full. I know they are trying to collect a debt but they still should not lie and make promises to a person that are untrue. I followed through with my part, they should have to also. I know it was my own fault for the debt and I accept responsibility for it but I was trying to make it right and did. I didn’t have to, but I wanted to. Please ask kohl’s to remove the account completely since a persons word, and a companies word should mean a lot to them. I’ve read all over that when accounts are on your credit marked as unpaid, to just let them drop off 7 years later, because companies lie and don’t remove them. I decided to have faith in them and make it right. They however did lie. I’ve called so many times and they said they would fix it but they refuse to once the credit agencies contact them with disputes. Please ask them to kindly remove it. I was stupid and going back then and didn’t accept responsibility for my actions but I am trying to now and I’m trying to do rightThank youXXXX XXXX
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report and seeing as though my credit has been exposed through several breaches and has not been carefully reviewed for accuracy. This company is reporting inaccurate information on my credit report for account number XXXX for XXXX XXXX XXXX. I'm asking that this information be corrected or deleted immediately from credit report.
Product: Money transfer, virtual currency, or money service

I did a Zelle transfer for {$350.00} to my XXXX  XXXX XXXX. My bank XXXX XXXX  through my mobile banking app Zelles {$350.00} to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. He received the notification of the Zelle transaction from my bank however, the funds were never deposited in his account from Zelle. We have traveled to my local bank and they said they did the transfer that I requested and its no longer their responsibility. We then went to XXXX  XXXX XXXX and they said Zelle never completed the transaction. We have been trying since XXXX of last year to retrieve these funds and nothing has worked. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a member of XXXX XXXX which I check my credit score for Transunion and XXXX.

I will make extra payments on my montages and students loans to have a good credit On XX/XX/XXXX ; I filed a bankruptcy and had some collations which all are removed from my credit because it pass 5 to 7 years period.

But anytime one of the accounts removed from my credit which is positive point, but Transunion give me negative point, and bring my score down.

For example ; onXX/XX/XXXX my score was XXXX and today XX/XX/XXXX, XXXX  after all negative point removed from my credit.

My email address is ; XXXX  My phone is XXXX  I need your help to resolved this problem Thank you in advance for any help
Product: Credit reporting or other personal consumer reports

My credit report with XXXX shows that I have student loan balances with Nelnet of {$14000.00} and {$51.00}. These loans were transferred to XXXX and subsequently forgiven under the PFSL Forgiveness program. XXXX shows that the balances are XXXX. I spoke with a representative from Nelnet and they states they would submit a retraction of the incorrect balances and agreed that these loans were transferred and are at a XXXX balance status. They subsequently sent a letter saying something different which I will attach to this dispute later. XXXX shows that my student loans have a XXXX balance, while XXXX and XXXX continue to show the balance with Nelnet. I have disputed these charges multiple times and each time my credit score seems to go lower.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the vehicle 's continued safety risks with turning off while driving which locks steering wheel we attempted from XX/XX/XXXX ( 35 days post purchase ) till XX/XX/XXXX to have it fixed through the extended warrenty purchased through the dealership. Every month it was in for the same issue with no remedy found or even the issue. We worked with the lender to voluntarily surrender the vehicle due to safety risk, but were unable to have it deemed. Lemon due to it being a used vehicle at time of purchase. The creditor stated it would show as a voluntary surrender " showing better than a reposession ''. The vehicle was sold at auction and we were informed we had a balance remaining to the lender. 3 debt collectors immediately reached out for payment, none of which had my name as a loan holder so they would not speak with me. XX/XX/XXXX I recieved a call stating I had a court summons due to the outstanding balance. I paid the amount due that day as they called to speak with me. I recieved a notice that the debt was paid in full which was shared with the 3 main credit bureaus. XX/XX/XXXX the account showed paid in full with a zero balance on all 3 major reports. XX/XX/XXXX flagship credit acceptance ( the original loan holder ) reinstated the account details to show the full balance still outstanding. I contacted the representative that I paid the balance through who assured me the account was closed with a paid in full balance and offered to resend the paid off status of the account again to the major bureaus. No chance has been made, I contacted XXXX today who informed me that the dispute on the account balance has been denied as Flagship says that I owe them so case closed. There is no consumer protection in this fashion if they simply take the word of the creditor and not accept the pay off notices that they had already accepted this year.
Product: Credit reporting

I properly requested via Certified Mail a description of the procedure used to determine the accuracy and completeness in which Equifax had used to verify a disputed tradeline ( attached ). Equifax refused to provide information on how the tradeline was verified, nor did they include the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher per FCRA 611 ( a ) ( 6 ) ( b ) ( iii ). Equifax 's response is attached.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I Have been trying to get a job as a XXXX and I need a Credit Report. It keeps coming up with that my Information does not match my Social Security number. I went to the Social Security office and my info is correct but it needs to be correct at the service.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am contacting you regarding accounts on my EXPERIAN, XXXX and XXXX credit report. 

I have already contacted THEM but they have done nothing to resolve the issue. There are 6 student loans accounts that not belong to me.

I would like them removed because they are fraud and do not belong to me.

Please make THEM delete these fraudulent accounts ; this inaccurate information has directly affected my chances of getting approved for any type of loan or job or ability to get a license which requires a good credit rating.