23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I got my credit report because I was thinking of purchasing a home for my mom, and when I got it I notice inaccurate accounts, I immediately filed a dispute with the XXXX major bureaus, Experian XXXX and XXXX XXXX. I listed the accounts I had a problem with. 
1XXXX- I explained that the account number they had on file was not my account number and my account was paid off through an insurance claim where the vehicle was totaled, I gave them my account number and the claim number of the settlement, the only agency that removed it was Experian, the other XXXX have refused and has allowed the data furnisher to update it so it remains on my report till XXXX, this is an account that is almost 10 years old. 2.A collection agency by the name of XXXX same people I was in a car accident in XX/XX/XXXX, I sued the trucking company who hit us, I gave the hospitals name and their bill to my lawyer two weeks after accident, mailed in the bill with the insurance from the trucking company they still turned it over to a collection agency who then placed it on my credit all ( XXXX ) on XX/XX/XXXX XXXX months after the accident I kept sending in the paperwork from my attorney and contacting them that an agreement was reached with the hospital and my attorney to pay upon settlement, no one listen it 's still there and when it was paid by my attorney in XXXX they updated it as paid but it was never suppose to be a collection, when an agreement was met between the parties to pay when the case was finalized. There are several other items that are being reported wrong on my credit report but I 'm tired and beat up from a constant battle for the last few months, against data furnishers that do n't report accurate information and the credit bureaus act like we consumers are always wrong and never look further into the issues, but allow this to go on. It seems as though consumers get the short end of the stick because we don'y pay for the service like the the creditors do.
Product: Checking or savings account

I filed a fraud claim with Bank of America pre paid for XXXX $ within the time limit someone stole my money I waiting 20days they havent got back to me told me my claim was denied for no reason and keep hanging up on my I got evicted due to this my kids cant eat now and Im in the street during covid 19 due to these XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am XXXX XXXX. I am making a complaint to Experian in regards to the account on my credit report called XXXX XXXX XXXX. I finally received the letter of verification/investigation results dated XX/XX/XXXX, XXXX # XXXX. 

I am disgruntled with Experian 's professionalism as you spelled my name wrong, you stated you are not reporting XXXXXXXX XXXX on my credit report, however, you sent me a credit report that still lists XXXX XXXX. 

Again, this violates my rights and is against FCRA and FCDPA. 

Not to mention this is way out of the 15 day window of validation, yet this is still reporting! 

Also, I am unable to get ahold of customer service! No one that is a live agent is available! 

I demand Experian to update my credit report immediately and send proof of so via mail. 

Thank you,
Product: Mortgage

To whom this may concern I applied for a mortgage on XX/XX/XXXX through Navy Federal Credit Union 's online portal which I authorized a hard credit check. 
On XX/XX/XXXX I called Navy Federal Credit Union to follow up on my application, on Monday XX/XX/XXXX I did not authorize an additional credit inquiry of any time during my conversation with the loan officeXXXX, on XX/XX/XXXX I noticed on my credit report two hard inquiries from Navy Federal Credit Union, one dated XX/XX/XXXX ( authorized ) and another one dated XX/XX/XXXX that was not authorized. I have attempted to speak to someone at Navy FederaXXXX multiple times to resolve the illegal credit pull on XX/XX/XXXX without a manager call me back, customer service personnel transferring me without speaking to a manager. 
I did not authorize the additional credit pull and would like Navy federal Credit Union investigated. 

Thank you for looking into the matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I call TransUnion to help me and they refused to help me with some Inquiries that I did not give permission to run my credit. which give some Hard inquiries on my credit. 


1. XXXX XXXX - XX/XX/18 did not get my permission 2. XXXX XXXX XX/XX/18 did not get my permission. 

XXXX. XXXX XXXX XXXX XX/XX/18 did not get my permission. 


XXXX. XXXX XXXX XX/XX/18 did not get my permission
Product: Checking or savings account

I am writing to formally file a complaint regarding PayPal 's " Earn XXXX Points '' bonus promotion for which I have not received the promised points despite fulfilling the requirements. 

As per the promotion details, I set up a direct deposit with my employer and received a total of at least {$5000.00} in direct deposits. I have attached screenshots of the relevant direct deposit transactions as evidence of meeting the {$5000.00} threshold. 

However, as of XX/XX/year>, my account still shows {$0.00} of {$5000.00} towards the promotion, as evidenced by the attached screenshot of the promotion status.
Product: Student loan

The XXXX XXXX XXXX took over my student loans at my request, in order to lower the overall monthly payments. Each month for the past three years, I have paid the minimum amount due, and most months I paid more than the minimum. However, rather than applying the excess amount to the principal, XXXX put in into the interest payments. So with a total of almost {$50000.00} at 4.525  % interest, my principal has not gone down at all, but the amount of interest I owe has increased. At this rate, I'll never get the loan paid off.
Product: Debt collection

XX/XX/2017 my husband passed away. After he passed away there were multiple break-ins into my home. During one of the break-ins I was assaulted. XXXX security was running a special {$42.00} a month for one year and I get a free key pad. The representative came to XXXX XXXX XXXX XXXX XXXX XXXX to install the alarm system but he didnt have the contract with him. I was informed that I would receive one via mail. I signed an e-pad stating that I received the installation. The alarm system didnt deter the intruders. I moved out of my home with my daughter due to safety concerns. I continued to pay the monthly bill although I hadnt occupied the home. I sold my home 7months later after the home sat dormant without break-ins. I still continued to pay the XXXX bill although the home no longer belonged to me. I called ADT on multiple occasions to discuss the situation concerning lack of safety in the home, the fact that I was not occupying the home, I attempted to work out something fair to both parties. I was met with rude representatives. I was bounced around from rep. to rep. with no resolution offered. XXXX sent what I believed to be a one year contract to a debt collector as a {$1500.00} debt. I called and spoke with a supervisor named XXXX. He refused to explain how the debt was calculated. He was very rude towards me and told me that he didnt have to speak to me. This excessive debt was placed on my credit report creating financial hardship and false depiction of me as a consumer. How can I resolve a situation in which the debtor is refusing to provide info about the debt and refusing to be fair concerning the nature of the debt? Could you please mediate this situation for resolution?
Product: Credit card

I ordered a XXXX from XXXX and went to return it. They sent me a label that I was having issues with and an email saying I had up until the XXXX of XXXX to send in the XXXX. They sent me an email on the XXXX of XXXX saying my case was closed without anymore explanation. Also to add to that, XXXX has a 30 day money back guarantee and I had started the return process on the XXXX of XXXX so I should have had until the XXXX of XXXX. Regardless I sent in the XXXX prior to the XXXX, the date they originally told me to send the XXXX by. The XXXX arrived and I will send proof of all of this as well. I was never able to get a refund from them and I contacted XXXX as I had paid with XXXX. I submitted the dispute wrong and filed it under unauthorized payment in misunderstanding and XXXX refused to refund me as well. I contacted my Capital One credit card bank to refund me and they gave me a pending credit which they took back and said they needed more evidence to respond back to XXXX. I submitted all the evidence and each time theyd tell me to submit more evidence for different reasons and that it was not efficient to respond to XXXX with until they finally told me that the case was closed and they will not be giving me any credit or refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice of FCRA Violation by Penfed Credit Union I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ) that you have committed. The FCRA, as outlined in 15 U.S. Code 1681a 2 ( A ) ( i ), clearly states that transactions and experiences such as late payments and utilization are not included on consumer reports.

However, I have recently reviewed my consumer reports and discovered that you have reported late payments and utilization on my credit reports, which is a clear violation of the FCRA. This type of information is prohibited from being reported on a consumer 's credit report, and its inclusion may result in negative consequences for the consumer 's credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items in dispute To remove all XXXX XXXX INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score.
Product: Credit reporting or other personal consumer reports

Experian is reporting false and incorrect information about meI have never had an agreement/contract with the furnisher of this alleged account..I have never given my written permission for Experian or XXXX or any other entity associated with XXXX to furnish/report my non public information to anyone. Not only is Experian aware that this alleged account is in dispute but Experian continuously reports this false and inaccurate information..I have been emotionally distress behind the defamation of my credit worthiness and I was recently denied for a line of credit based off information in my Experian credit file. Please provide verification of the account in question according to the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

Today, actually, it was yesterday. I dent money to a guy by PayPal but that guy is a cheater. When I sent first once, he let me copy his account. When I fished, he said the account number is wrong and let me send second. And I did. This time I provided correct account but PayPal showed another account, I don't know why, then he said he did't receive the money, and let me try more. Then I know I was cheated by him. Now I can't cancel it and my money flows to that liar. I don't know how to fix it and a lot of people facing the same problems.
Product: Credit reporting or other personal consumer reports

20 USC 1232g ( b ) Family Educational Rights and Privacy Act ( FERPA ). Protects the privacy of student education records. I have attached my credit reports in this formal complaint to prove that XXXX and the Department of Education are violating my rights to privacy by furnishing my nonpublic personal information inaccurately reported multiple student loan accounts on my credit report to XXXX XXXX XXXX, TRANSUNION INTERMEDIATE HOLDINGS, INC., and XXXX XXXX XXXX XXXX without my written consent nor did they give me a option to opt out of they reporting the Department of Education and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the address you have on file for me. The address you have listed, XXXX XXXX XXXX XXXX XXXX, NY XXXX, is incorrect. My correct address is [ Your Correct Address ]. I am writing to request that you update your records to reflect my correct address. 

I have confirmed my correct address with my local post office and on my official documents. I have also included proof of my correct address with this letter. I request that you update your records as soon as possible to ensure that all future correspondence is sent to my correct address. 

Please confirm in writing when my address has been updated in your records. I appreciate your prompt attention to this matter. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Late payment reported ( {$16.00} ) to my credit report that caused my credit score to decrease greatly. I made the payment and just want the late payment taken off my report. As my credit report shows it has 100 % payment history prior to this late payment. I hope CAPTITAL ONE can over look this one time mistake and erase the late payment. 

Credit card company : capital one Credit card : capital one savor rewards card Payment made : XX/XX/19
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/2023
Product: Debt collection

XX/XX/2023 received a letter stating I owed money for an account. 
XX/XX/2023 I sent them a debt validation letter cease, synthesist, creditor, debt collector declaration requested information pursuant to the fair debt collection practices. 
XX/XX/2023 they sent me a letter regarding my inquiry and once again attached a single page of alleged statement and that's it. 
XX/XX/XXXX I sent them another letter stating that the simple piece of paper was not adequate verification, and that pursuant to the fair debt collection practices they have not fulfilled their end of the agreement. I again sent them a debt validation, letter creditor, debt collector declaration, and requested information, requesting a signed agreement that I have made with the debt collector any agreement that bears my signature and the agreement that grants them the authority to collect this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing a Discharged XXXX Bankruptcy with Equifax Credit Agency and the information they sent me in the mail stating : The Result of Our Reinvestigation Public Record Information This section includes public record items Equifax obtained from local, state, and federal courts through a third-party vendor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I have contacted XXXX XXXX they sent me a copy of my report with them there is no Bankruptcy on my report at all with XXXX XXXX and it's dated XX/XX/2023 that's the third-party company that Equifax uses. I need Equifax to stop with the lies and games and delete the items entirely off the report since you use XXXX that's on the letter you sent me because what they are telling the consumer on paper and over the phone are lies and I have the proof to show you. I am going to seek legal consultation about Equifax and these lies. You send information to consumers with the results showing XXXX provided you with the information and then on the phone it's a different story those are lies plus you can't do that period
Product: Checking or savings account

On XX/XX/XXXX I placed an order on the XXXX app for delivery and received an order that was not mine. I got someone elses order entirely. A much smaller order. XXXX used XXXX but I somehow got a XXXX order ( maybe the delivery person was doing 2 orders on 2 diff apps I have no idea as they just dropped it off on my doormat and left, I never spoke to them ) I filed a dispute with my bank Chase and they denied saying I authorized the charge, while yes I did, but I did not authorize on the order I received as it was NOT mine at all. I paid {$110.00} and got like {$25.00} of someone elses order. How is that fair? Please help. Thank you.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts 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. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX  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 this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher peoples information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items arent removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have couple of hard inquires that I haven't done. This are the following ones that I have seen in my credit report. 
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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX {$4900.00} Per Credit Report this account was first reported in XX/XX/XXXX. I have filed several dispute since then asking for validation of debt and have gotten no result from XXXX, equifax, or XXXX. No documentation has been given you, was simple just sent a generic letter stating that information was verified to be true. As recent as XX/XX/XXXX, I did a dispute and received the same result from all three credit bureau. I need to get this resolve.
Product: Checking or savings account

I tried calling to report identity theft and fraud to only be redirected over and over sense XX/XX/XXXX and now all accounts were hacked and numbers and addresses changed..
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of InquiryXXXX
Product: Debt collection

Portfolio Recovery Is not Licensed in the State of Michigan as a Collector and is not following the Statue of Limitations in the State of Michigan. Is Five years.

They are still listed on my Credit 3 Reports.

Because the Statue of Limitations is 5 years.

They have not Sued me, so It must be Removed from the Three Credit Reports after XX/XX/year>2025. 
The Five years Anniversary of Date that They purchased it.

They Also need to get License in the State
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX    XXXX   has reported that my Auto Loan #  XXXX  was 30 days late in the month of  XXXX     2017  and  XXXX   2017 . There has been several adjustments on my account due to them misapplying my payments ; therefore, the statements I have been receiving are not accurate. I have been paying on this loan for the last 2 years and I have never been late and they are stating that they are not able to make any adjustments because they are reporting accurately even though the representative that I spoke with clearly informed me that my payment was indeed not 30 days late.   XXXX  I have reached out to them on several occasions to have this resolved and I submitted a dispute with the  Credit Reporting Agency  as  XXXX   XXXX   XXXX  told me to do ; however, they are still not updating the reports which is causing an adverse affect on my  credit score at t he moment.