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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Upon examining my credit report, I noticed some fraudulent accounts. Please delete these entries from my report, as they are stopping me from getting credit. I do not recognize these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account name and numbers : DEPT OF ED/XXXX  Account number XXXX, XXXX - XXXX XXXX  Account number XXXX, XXXX XXXXAccount number XXXX,, XXXX XXXX, Account Number XXXX, has 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 604A section 2, also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

I opened a checking and savings account with Huntington National Bank with a nominal amount. they sent me my debit card and allowed me to order and pay for new checks, This week I deposited a {$16000.00} partial Cashiers check, it was part of inheritance, and took {$3200.00} cash back. Within 24 hrs they put a hold on my account while waiting for the check to clear. Since then they disabled my accounts and said they are closing them and I have no access to my funds until next Monday. This has created a serious problem for me as I have no access to my money which they already have. I was given no notice and was just locked out of my account and now I'm left trying to find another bank with no money. I was given no notice, they just arbitrarily said they were closing my accounts and denying me access to my funds. In addition to this I'm now out money I spent to order checks. I cant believe they could just decide to do this and hold onto my money as well. no notice, nothing.
Product: Debt collection

Bank of America ( third-party debt collector ) continues with their harassment practices after I wrote them to STOP contacting me.
Product: Student loan

Continually receiving messages from XXXXXXXX XXXX XXXXXXXX college in regards to a tuition bill. However XXXXXXXX XXXX XXXX XXXX  XXXX for XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ) is part of the XXXX XXXX XXXXXXXX legal case that was approved on XXXX XXXX, XXXX for borrower defense applications ( see attached https : XXXX  ). Had my XXXX XXXX Applications approved in XX/XX/XXXX ( see attached files ). XXXX 's XXXX continues to send email messages about money owed to them along with reporting negative information to XXXX. In reviewing my XXXX credit report, no negative reporting is showing from XXXX XXXX XXXXXXXX XXXX. This is a scare and harassing tactic that they are using for money even though XXXXXXXX XXXX XXXXXXXXXXXX XXXX has closed.
Product: Debt collection

After the hospitalization of my child for approximately three months in XXXX, my spouse lost income for that time period and our debt grew because of the trips back and forth to the hospital and care required after being discharged. The debt is mine and my only income is XXXX XXXX XXXX. The debt collector continued to call throughout the day for a period of time, but there was nothing I could do. In XX/XX/XXXX, I received a Court Complaint about owing the money. I contacted the law firm listed and could not reach anyone. I kept trying and finally spoke to someone about the debt. I was told there is nothing I can do and they could not discuss it with me. I kept calling and finally was able to speak with someone about an arrangement for the debt. They sent me an arrangement dated XX/XX/XXXX. It stated as long as I made payments as agreed no further action would be taken. I made payments monthly as agree. Now I have received a letter from them asking for Motion for Default Judgment. The notification states I have failed to answer complaint.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXX/XX/2019 this auto loan account was open in my name with my personal info acct number XXXX i wan thtis account deleted off of my report
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and was shocked because I don't know why unauthorized inquiries are showing up. Please kindly check the documents I've sent regarding this.
Product: Credit reporting or other personal consumer reports

Hello there, I initially sent this message with a previous report but XXXX responded and let me know that their issuing bank XXXXXXXX XXXX is the one reporting to the credit bureau. 
A little back story, I opened my XXXX XXXX credit card sometime in XXXX of this year and I was told that my statement closing was the on the XXXX XXXX XXXX of every month depending on how long the month was. On XXXX XXXX XXXX XXXX XXXX reported my balance of {$510.00} before my statement date for the month which was the XXXX XXXX XXXX XXXX and later corrected it the reduced balance ( never reached out to the bureaus ). Normally I pay down my balance before my statement hits ( I have 8 credit card and this is what I do for everyone of them and have had no issues with them ), I got notifications from XXXX XXXX XXXX and XXXX that I had a high balance on my XXXX. I immediately contacted XXXX told them about this and they apologized and promised to fix this issue. Its been over 60 days and this issue was never fixed on XXXX and Equifax. 
I lost XXXX points on Equifax and XXXX but XXXX fixed the issue the very next day. Every time I contact XXXX  about this issue its been one excuse or the other and not one person has been helpful, not even the manager or supervisors I have spoken to. In fact, the customer service has been really bad as Ive had XXXX XXXX shout on me and place me on endless holds. Today XX/XX/2023 they did the exact same thing which took a huge toll on my credit scores on all bureaus except XXXX because it hasnt reported it yet but, Im sure thered be a ding on it as well. I am financially very responsible and do my very best to make sure my credit scores are excellent on every credit bureau, vantage and Fico models. Its just really frustrating and annoying when an organization is choosing to sabotage my hard work and at this point I dont know what to do. Id really appreciate it if something can be done about this since XXXX XXXX is completely incompetent and has refused to do their job. 
My fico and Vantage scores are a mess right now thanks to them. Id like for all the points I lost to be replaced to my scores. What is the point of having a statement date if they keep reporting to the credit bureaus whenever they please. It means in essence Im not supposed to use my credit card, whats the point of having one if they keep doing this. 
Ive also attached a bunch of pictures and documents showing proof of everything I talked about, thank you so much for your help and I look forward to hearing from someone on the team. 
Thank you!
Product: Debt collection

XXXX has been charging me for phone services, i once had XXXX in 2015 but i had my account on hold because i was XXXX, my identity was stolen when i left for XXXX now they are saying i owe XXXX. I just want this debt erased under the SERVICE MEMBERS CIVIL RELIEF ACT
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute fraudulent accounts appearing on my credit reports with XXXX, XXXX, and TransUnion. These accounts were opened without my consent, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Accounts in Dispute XXXX XXXX XXXX : Account # XXXX ( All XXXX ) XXXX XXXX XXXX XXXX : Account # XXXX ( All XXXX ) XXXX XXXX XXXX : Account # XXXX ( All XXXX ) XXXX XXXX : Account # XXXX ( All XXXX ) XXXX XXXX XXXX : Account # XXXX ( XXXX ) XXXX XXXX : Account # XXXX ( All XXXX ) Despite submitting a valid identity theft affidavit from IdentityTheft.gov, the credit bureaus routinely block claims of identity theft for no valid reason. This practice blatantly disregards 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block fraudulent information when provided with an affidavit and supporting documentation. 

The continued reporting of these fraudulent accounts is unlawful and harmful. XXXX, in particular, has issued generic denials and refuses to investigate, violating 15 U.S.C. 1681i ( a ) ( 1 ), which mandates reasonable investigations into disputed information. These actions obstruct my right to accurate credit reporting and demonstrate willful noncompliance with the FCRA. 

I request immediate action to ensure these accounts are removed from my credit reports and that the credit bureaus are held accountable for their violations of federal law. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns about several issues I have identified in my credit report. Upon reviewing it, I discovered multiple inaccuracies, such as incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These errors are affecting my financial stability, and I urgently require your help to resolve them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

First I call TransUnion to dispute my Bk on my credit report. I call the courthouse and they tell told me they didnt verify with TransUnion ... Im requesting Method of their Verification.
Product: Money transfer, virtual currency, or money service

I paid {$100.00} via bank transfer on XX/XX/2021 to purchase Dogecoin crypto on Binance.us. After the value grew, I sold {$100.00} worth and requested to withdraw that same {$100.00} back to my bank on XX/XX/2021 to cover my original investment. Binance said the transaction was processed sucessfully, but neither my bank nor my binance account contain my {$100.00}. I have contacted support numerous times over the last several months with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 had XXXX different hospital bills from XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX. One of them was exorbitant and did not reflect the medical service I received. I called the hospital financial services, which promised to review it. Then, I had an international summer vacation trip with my family from XX/XX/XXXX to XX/XX/XXXX. When I came back, rather than receive consolidated bills from the hospital, I found a mail from a collection agent ( CMRE Financial Services ). I made the payment on XX/XX/XXXX for the amount of {$96.00} ( Evidence : attachment 1 : payment confirmation XX/XX/XXXX. 

I was not aware of the fact that the second bill, which the hospital reviewed down to {$230.00} was already in collection without me being notified. Basically I was just targeted as delinquent, and that bill ( only {$230.00} just a penny on my finances ) already hit my credit score since XX/XX/XXXX and I never realized. So rather than send the reviewed bill amount to me, it was just sent to collection and on my credit, which had a XXXX devastating effect. I did not realize it until last week, and made the payment for the {$230.00} on XX/XX/XXXX ( Evidence : attachment 2 : payment confirmation XX/XX/XXXX ). 

I am requesting that : 1 ) Every sign of that derogatory mark got permanently removed by all credit bureaus from my credit history as if it never existed. 
2 ) Every negative impact it ever had on my credit score be corrected by all credit bureaus all the way back.
Product: Credit reporting, credit repair services, 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 items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Between XXXX XXXX, I paid off Loans 3, 5 and 13 in full and have the payment fullfillment letter to prove it although it is VERY vague and does not list these loans specifically by their number, just their disbursement date. On XX/XX/XXXX, I paid off Loan 13. Mohela now shows as of XX/XX/2024 that these loans still carry a balance and even have late payments despite 2 of these loans carrying a negative balance ( XXXX $ and XXXX $ ). How is this possible when 1. I have paid these loans off and 2. They should actually be getting credited to pay towards other loans? I waited on hold for over an hour and a half on XX/XX/XXXX with no answer. These loans I have paid off also show an upcoming payment date on XX/XX/XXXX when it shouldnt because they are paid in full.
Product: Credit card or prepaid card

They refuse to close my account without a retention pitch. They literally have a message topic option of " Account Closure, '' but they refuse to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app credit karma to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that were opened under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts because my credit was ran multiple times. These 2 accounts and inquiries were not made by me. Please take these unknown items off my report.
Product: Credit reporting

RE : Case number : XXXX XXXX incorrectly reported me as delinquent to Experian ( EX ). EX dropped my credit rating from XXXX to XXXX. This revised rating now appears as my credit score used by XXXX XXXX ( XXXX ), my bank and with whom I have lines of credit. This is information was posted on my last XXXX statement. I contacted XXXX and they told me they used EX. I used EX 's website to review my account ( XXXX? ), noticed the erroneous report ( a repeat of a wrong filling by XXXX in 2015, which was resolved and recorded in CFPB ). I disputed the charge on line and have no response from EX. I filed the above case with CFPB and have had a response from CFPB in which I was told it was EX 's fault and I should contact them. Why is the burden being placed on the victim and not the error 's committers?
Product: Vehicle loan or lease

Horrible communication Wasn't taking payments all the time Always try to come get it repossessed all the time Reported when I climbed bankruptcy and said I still had it Knowing that they got it the repo guy still drives around till this day It's going on 7 years and still dealing with it I'm glad that somebody's about to do something about it
Product: Money transfer, virtual currency, or money service

I am formally expressing my concern regarding Zelle handling my dispute.XXXX I sent {$120.00} via zelle to a friend for food we had gotten together that she put on her card. When sending to her number it still stated her name so I thought everything was okay. Only to find out it was sent to someone else. I texted the person and contacted the bank and the bank nor the person were able to refund me the funds. I was out of $ XXXX did not at the point gave me confirm whom I was sending the funds to as they do now. They were unapologetic and told me there was nothing they could do even though the proper measures werent taken. Especially in light of the current lawsuit
Product: Checking or savings account

Received email for new account opened at Truist bank on XX/XX/XXXX. Received a notice of account closure on XX/XX/XXXX, dated for XX/XX/XXXX. Called to confirm cancellation on XX/XX/XXXX. Called was received by and was told to file an identity theft complaint. Was asked for all information, including ssn and telephone number. Was told that complaint could not be finalized without this information. Did not give information. I would like to confirm this account is no longer an issue and that my information is secure.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 : Section 602 states I have the right to privacy.

15 USC 168:1 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

I am attaching the real Supreme Court ruling on the seizing of property that not only pertains to taxes and all the crap listed in the document, but it also applies to mortgage companies and real estate agents trying to do the same. It's just a different title. No difference from tax agency v mortgage co. this is at a point of investigation and the CFPB is required to report corruption and criminal activity and I'm requesting that NOW.
Product: Credit reporting or other personal consumer reports

Equifax has just been sued for sham investigations into credit disputes, and yet they continue to engage in the same illegal behavior by failing to properly investigate and correct inaccurate, unverifiable, and incomplete information on my credit report. I have disputed multiple accounts and inquiries, yet Equifax refuses to conduct a lawful re-investigation as required under FCRA 1681i and Metro 2 compliance standards. 

Despite sending multiple certified dispute letters, Equifax continues to allow inaccurate data to harm my credit profile by reporting the following Metro 2 non-compliant accounts : XXXX/XXXX  ( XXXX XXXX XXXX  ) - Account # XXXX Reporting is incomplete, with missing key data fields, inconsistent payment history, and unverifiable information. 
XXXX XXXX - Account # XXXX Late payments are being reported inaccurately and do not match across bureaus. 
XXXX XXXX - Account # XXXX Payment history is inconsistent across credit reporting agencies, violating Metro 2 standards. 
XXXX - Account # XXXX Late payments are not reported uniformly, creating discrepancies across bureaus. 
XXXX XXXX - Account # XXXX The account contains unverifiable, inconsistent, and inaccurate reporting. This account should be removed immediately. 
Bankruptcy ( Public Record ) - No Account Number Equifax is illegally reporting a bankruptcy with no linked accounts, which violates FCRA guidelines and Metro 2 standards. This must be removed.

Equifax is also illegally reporting hard inquiries with no permissible purpose under FCRA 604 ( a ). If Equifax can not provide documented proof of my consent for these inquiries, they must be deleted immediately : XXXX XXXX ( XX/XX/XXXX ) Sunbelt ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) CB/Jared GJ ( XX/XX/XXXX ) XXXX XXXX  XXXX  ( XX/XX/XXXX ) XXXX/XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) Equifax has already been sued for these illegal practices, and if this dispute is not handled properly, I will escalate the matter to the CFPB, FTC, and my states Attorney General for further action. 

I demand that Equifax : Update all late payments to " Paid on Time. '' Delete all unverifiable accounts, including XXXX XXXX and the falsely reported bankruptcy. 
Remove all unauthorized hard inquiries that lack a permissible purpose. 
Conduct a lawful re-investigation in compliance with FCRA 1681i and Metro 2 standards.

Provide written confirmation of all corrected or deleted items. 
If Equifax continues to violate federal law by failing to correct these errors, I will take legal action and file additional complaints with the appropriate regulatory agencies.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that I do not recognize this account and have asked several times for actual debt validation. I only received statements for this account that I am not aware of. I have placed a fraud alert on my accounts, and reported identity theft. Please be advised I was notified that my information was apart of the XXXX data breach and my personal information has been compromised.