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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
AFFIRM XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

B of A is still trying to open a fraud generated credit card account in my name. They have tried this for several months and I thought it was over with your help. But this week I received another email saying they have received a credit card application in my name.and i have told them I did apply for a credit card. Please help.
Product: Credit reporting or other personal consumer reports

THESE XXXX CREDIT BUREAUS CONTINUE TO INCLUDE INFORMATION THAT IS INCORRECT FOR MY FULL NAME AND ADDRESS ON REPORTS AND THEY HAVE A LISTS OF ALSO KNOWN AS NAMES AND ALIAS THAT ARE NOT MY CURRENT NAME AND ADDRESS
Product: Credit reporting or other personal consumer reports

First and foremost, they hire complete incompetence that can not assist with anything. LET ALONE the fact that I stated what was needed from the very beginning. Can't get past incompetence to get the issue resolved. INTENTIONAL! 

Second, I have submitted the same exact disputes multiple times dating back almost 3 years. The information I provided was accurate and true. All statements, all notations, and a large majority of my credit statements were altered, delated, and/or modified without my consent. And I can tell it wasn't the creditor that did it. Creditors have disappeared off of my account. Especially, my mortgage. That is a government cover up! My mortgage servicer was sued by my state of Maryland for alleged fraud. A year after I filed my unemployment cases from XXXX, I was informed by a supervisor from the Department of Labor that my account was marked as fraudulent with zero notification or any reasoning for marking as such. It wasn't fraudulent. The only thing that was fraudulent was I reported to the Inspector General and Directors of government agencies that the only piece of documentation that was used in my assistance determinations was my XXXX XXXX mortgage statement. They did not include any of the other documentation of all my other bills ( utility, etc. ) in those determinations for decades. Along with XXXX XXXX assistance and child support ( for an absent parent on XXXX XXXX  ) never received and in a second mortgage as documented in my HUD form provided to them from the now sale of my property. And individual statements and information on my consumer statement continue to disappear off of my report that need to be there. As it is illegally and intentionally being reported as adverse and negative impact on my report that should not be. 

THE TRUTH IS I DID NOT RECEIVE PANDEMIC ASSISTANCE AND ZERO UNEMPLOYMENT STILL OWED TO ME IN FULL. I COMPLETED ALL DOCUMENTATION AND STATEMENTS NEEDED TO RECEIVE MY UNEMPLOYMENT TIMELY. NOTHING would have gone delinquent had I received my money and/or employment. There are no jobs. AS YOU CAN SEE, only incompetence is being hired to resolve NOTHING! 

MY CREDIT REPORT CONTINUES TO BE INACCURATE AND FALSELY BEING REPORTED CAUSING DETRIMENTAL EFFECTS IN A DISCRIMINATORY AND RETALIATORY MANNER!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -ACCOUNT # XXXX - DATE OPEN XX/XX/2022 - ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING CONVERGENT ACCOUNT HAS VIOLATED MY RIGHTS. 

-15 U.S.C 1681 SECTION 602A. STATES I HAVE RIGHTS TO PRIVACY.

-15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATESA CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WIHTOUT MY WRITTEN INSTRUCTIONS.

-15 U.S.C 166b A CREDITOR MAY NOT TREAT A PAYMENT OR PAYMENTS ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and my information has been used to obtain serves several times in the past without my knowledge. These three accounts were already been addresses with years ago as identity theft but now a new company has put them on my credit they are not mine. The accounts are : 1.  XXXX XXXX XXXX  # XXXX ( Amount {$1000.00} ) 2. XXXX XXXX XXXXt # XXXX ( Amount {$970.00} ) 3. XXXX XXXX XXXX XXXX XXXX ( Amount {$970.00} )
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information. 
-
Product: Prepaid card

I tried to get a refund on {$4500.00} worth of cards. I called reloadit and they said that if I would send them a copy of the receipts I would receive my money in 20 days. This was on the XXXX of XXXX. Then they asked for a copy of the reloadit cards with the numbers on them and they said it was approved.=, but they wanted me to send them a copy of my drivers license and my utility bill. Than they said they sent the check out on XXXX XXXX. I still have n't received nothing so far and i told them if I did n't received my check by the XXXX XXXX I was going to call the FBI and the FBI said that I should contact you. I
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  file there is some fraud and unauthorized activity I never authorized or signed up for. I am getting hard inquiries from capital one on XX/XX/2019 and XX/XX/2019. Both of which I never did. 

I had spoke to capital one back In XX/XX/2019 and they had agreed to remove all fraud and unauthorized stuff as i wanted it removed from my personal credit file as I did not do it. I had asked for proof of me authorizing it which they could not approve. 

So I am unsure why this is still on here. I would like these bogus inquiry 's off my credit report with transunion and any other credit companies as all this was not authorized by me and is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX  are reporting incorrect addresses on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I received an email from PayPal stating that my account features had been deactivated and that they were unable to offer PayPal services for my account anymore.The abrupt suspension of my account features has left me unable to access my funds, including upcoming direct deposits that are critical for my financial obligations. 
The lack of access to my PayPal debit card, checking account, and other services has put me in a difficult situation where I am unable to receive essential payments. This sudden action has not only caused inconvenience but also financial distress. I reached out to PayPal customer service via phone regarding my deactivated account features, which I've had for 5 years, and was left in the dark without any explanation. This sudden restriction on my account has caused me significant inconvenience and frustration. I don't understand why this has happened & would like for all of my account features to be reactivated.
Product: Credit reporting or other personal consumer reports

I'm writing to formally dispute a XX/XX/year> decrease in my credit score by XXXX points, which I noticed on my latest credit report. This sudden drop is perplexing and concerning, as I have consistently made all my payments on time with all my creditors. To provide some context, my payment history has been impeccable, with no missed or late payments. I regularly monitor my credit report and ensure that all financial obligations are met promptly. Given this diligence, the recent decline in my credit score is both unexpected and unjustified. I kindly request a thorough investigation into this matter to identify and rectify any errors that may have caused this decrease. Please provide a detailed explanation for this change and take the necessary steps to correct my credit score if an error is found. Enclosed are copies of my recent credit report and payment records for your reference. I appreciate your prompt attention to this issue and look forward to a swift resolution. This is a 4th times that this happened. I believe Im a victim of credit discrimination! Thank you for your cooperation. Sincerely,
Product: Checking or savings account

I am submitting a formal complaint against Navy Federal Credit Union regarding multiple overdraft fees that have been improperly assessed on my account. Despite having sufficient funds at the time transactions were authorized, I was charged overdraft fees or had funds transferred from other accounts due to delayed posting of charges and credits. 

These practices align with recent findings by the Consumer Financial Protection Bureau ( CFPB ) against Navy Federal, which determined that similar transaction processing methods resulted in consumers being unfairly charged overdraft fees when their accounts initially had available funds. I believe these actions constitute unfair and deceptive practices. 

I request a full investigation into my account transactions and a review of the overdraft fees assessed. Additionally, I seek appropriate reimbursement for any improperly charged fees.
Product: Vehicle loan or lease

I have reached out to Ally Financial regarding my car loan. I called on XX/XX/XXXX and requested a re-write to lower my monthly payments to $ XXXX {$300.00}, due to unexpected expenses. I have spoke to a representative and was given a case # XXXX for the re-write. I was advised to allow 1-2 business days for a call back for this rewrite. I have spoke to representatives in rewrite by the name of XXXX and she advised me that I only made 6 payments since I had my car loan. I have had my contract car loan with Ally Financial since XX/XX/XXXX. I have made way over 6 payments on my car loan and was also given extension due to natural disasters.
Product: Mortgage

Quicken told me I was going to get my remained funds from my old escrow account ( {$1900.00} ) after refinancing with them. After we closed the refinance I received a statement saying I would only be getting {$150.00} and they netted my funds into the loan. I NEVER TOLD THEM THAT WAS OK AND I WAS NEVER ASKED IF THAT WAS WHAT I WANTED. They use deception to give you low numbers throughout the loan and constantly change what they say. I had multiple occasions of issues with them and they constantly shoved me to different people that handle complaints but no one that can resolve anything. They simply just say how they are sorry and that they take this matter seriously, and when you ask for resolution they tell you how they are going to have someone higher up contact you. Then that person contact you and they have no idea what the situation is about so you have to re-explain everything again, its like they are trying to wear you out so you just end up letting the complaint go.
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 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 XXXX xxxxxxxxxxxx XXXX CLOSED Account Status 24 % Credit Utilization XXXX XXXX Payments XXXX XXXX Age of Account XXXX XXXX  XXXX XXXX XXXX Account Status 127 % Credit Utilization XXXX Late XXXX XXXX XXXX Age of Account XXXX xxxxxxxxxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX  xxxxxxxxxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX XXXX XXXX XXXX XXXX Age of Account
Product: Student loan

My husbands student loans were paid in full in XXXX of XXXX. We received a letter in XXXX of XXXX from Navient that his student loans were paid in full. In spring of XXXX we started receiving calls from XXXX XXXX stating that he still owed over {$5000.00} on his student loans. Our bank provided us with copies of the cancelled checks which we and both the bank had mailed to them. We also emailed them along with the letter from Navient showing that that they had been paid in full. I contacted them to see that they received the copies of payment and they told me it could take up to 2 weeks to make a decision. I received a letter from Navient showing a copy of our payment history. Nowhere in this history did it show the pay off in XXXX of XXXX. We received another letter from the Department of Revenue that the Department of Education had taken our entire XXXX tax refund ( {$5000.00} ) to pay off my husband 's student loans. We then received another letter from Navient that stated we still owe $ XXXX dollars to them. When we call Navient either they mysteriously can not find our loan or tell us it has been paid off. The bank had informed us that it is still showing on my husbands credit report and they know it has been paid because they sent the payments to Navient. I have exhausted all efforts and my next step is to contact an attorney if this can not be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to bbt, forwarded documentation supporting my claim of this account being fraudulent. It was agreed to be removed, but still showing on XXXX. I have also today ( X/XX/17 ) contacted my lawyer who will be sending out intent to sue letter, I have had my rights violated under the fcra. Asking that this account be removed from the XXXX file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my recent credit report and the negative items that are currently listed. Upon reviewing my report, I have noticed several discrepancies that require immediate attention. 

Firstly, there are two addresses listed under my personal information that are not correct. The first one is located at XXXX XXXX XXXX XXXX, TX XXXX and the second one is located at XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Please remove both of these addresses immediately from my report as they do not belong to me. 

Secondly, I have noticed that two employers have been listed on my report that are not mine. The first one is listed as " XXXX XXXX '' and the second one is listed as " XXXX XXXX XXXX XXXX ''. Please remove both of these employers from my report immediately. 

Furthermore, I have noticed several inquiries on my report that I do not recall authorizing. The companies listed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. Please remove all of these inquiries from my report immediately as I have no recollection of authorizing them. 

Additionally, there are several accounts listed on my report that I do not recognize. These accounts are listed under XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and My Community XXXX Please investigate these accounts and remove any that do not belong to me from my report immediately. 

Lastly, I have noticed that several inquiries on my report have violated Metro2 reporting compliance by not reporting their contact information. The companies listed are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Please remove all of these inquiries from my report immediately. 

I request that you take immediate action on the above discrepancies and remove any negative items that do not belong to me from my credit report. I appreciate your assistance in this matter and look forward to your prompt response. 

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

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX account XXXX, XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX  account XXXX, XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX  account XXXX, XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX account XXXX, has violated my rights. 

15 U.S.C 1681 604 A. States I have the right to privacy.

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

On XX/XX/2020 I settled with One Main FinanceXXXX XXXX XXXX collection agency for 3 payments of {$1500.00}. I made my first payment on XX/XX/2020. The amount of my payment was reported to all 3 credit bureaus XXXX XXXX XXXX  and XXXX. On XX/XX/2020 XXXX XXXX updated my payment and the balance went from {$5400.00} to {$4600.00} which helped my credit score. The other two reporting agencies XXXX  and XXXX  then followed reporting correct information. I am in the middle of purchasing a home and on XX/XX/XXXX my credit score was effected due to a major change on my XXXX XXXX score Im this date they reported my One Main account that I just settled with back to {$5400.00} so this showed that the balance increased when it did not! I contacted XXXX XXXX and One Main Financial. One Main financial advises they reported the correct information and that XXXX XXXX made a mistake. XXXX XXXX has now updated the correct balance today as of XX/XX/2020 and now my credit score has dropped 31 points and 44 points on my mortgage score and now I can not close on my house!!!!!!!!!! If this was never reported incorrect on XXXX XXXX my scores would of not been effected!!!!!
Product: Credit reporting or other personal consumer reports

these accounts are inaccurate they all are reporting something different ( inaccuracies ) and arent mine
Product: Debt collection

Synchrony Bank has retained a debt collection attorney and filed a lawsuit against me without contacting me via phone or correspondence. 

I am not sure if I owe this debt because it may have been discharged in bankruptcy or the charges may not be mine
Product: Debt collection

This account was a prepaid account with no contract. It was a month to month bill. When our bill cycle was up we did not use service and service was off. We have paid all bill as agreed for prepaid services. These charges are incorrect and I am being billed incorrectly
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX, that was charged off in XX/XX/XXXX.
XXXX bought this debt in XX/XX/XXXX They are reporting it as XX/XX/XXXX I have reported them to the Missouri Atty genl, district atty, and filed a dispute with the credit bureaus they either ignore the complaint, or they say the debt was XX/XX/XXXX.
This is the only negative on my credit report. They deny that this debt is also out of statute.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax Information Services LLC regarding inaccurate information and unauthorized changes made to my credit report. Despite multiple attempts to address these issues directly with Equifax, I have not received satisfactory resolution, prompting me to seek assistance from the Consumer Financial Protection Bureau ( CFPB ). 

Background Information : I am a consumer who was affected by the Equifax data breach. In response to this breach, I submitted a claim for the extended settlement. Approximately three weeks after submitting my claim, I noticed several unauthorized changes made to my Equifax credit report, which have negatively impacted my creditworthiness and exposed me to potential identity theft risks. 

Issues of Concern : Reinstatement of Negative Accounts : Following my claim submission, Equifax inexplicably reinstated derogatory accounts on my credit report, which had previously been addressed through the settlement process. These accounts were erroneously re-added without my consent or justification, adversely affecting my credit score and financial well-being. 

Reappearance of Outdated Addresses : Equifax also re-added outdated addresses to my credit report, despite my previous efforts to have them removed. These obsolete addresses do not reflect my current residence history and serve no legitimate purpose in assessing my creditworthiness. Their presence exposes me to identity theft risks and inaccurately represents my credit profile.
Product: Checking or savings account

US bank has never done its job when it comes to unauthorized charges. It happened to me twice where I filed fraudulent disputes on my checking accounts. Within a COUPLE of DAYS, US bank responded that the charges were " authorized '' without providing me any investigation result. They could not have investigated anything within just a couple of days. Please see attachment on the most recent charges {$400.00} + {$13.00} + {$10.00} which they concluded within a week after I filed my disputes. Nonetheless, no documentation was provided on how they were able to conclude their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 2 previous occasions, I have tried to get Experian Credit bureau to report accurate information on their credit reports regarding my name and address. This will be the third and last attempt for them to get it right. Experian has a negative history reported on the Internet regarding falsely reporting of consumer credit report information and I do not want to be their next victim.

I want them to remove past residence addresses, phone numbers etc. Since I don't live at these addresses anymore the USPS can not deliver that mail to me. And they are not reportable as per the FCRA. Since they are inaccurate. Enclosing information. Also both XXXX and XXXX have received information from a creditor regarding a negative dispute date for FCRA required removal of a specific item. Both XXXX  and XXXX have removed this negative item from their reports, Experian acts like it doesn't exist. It The item has yet to be removed.
Product: Credit reporting or other personal consumer reports

Capital One Card has been paid in full, This information is not reflected in current credit report for any of the three agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX INCORRECT BALANCE of {$1400.00}. I HAVE SETTLED AND CLOSED THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a lot of erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & violating FCRA rules. If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me hardship, for me and my family, I can't get an apartment for me and my kids to live in a better area, I have to work at a low-paying job due to these inaccurate items on my credit.