23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened this a Bluebird prepaid debit account in XX/XX/XXXX. My account shows a negative balance. I contacted customer service at XXXX. I was told that charges went through my account from XXXX and I had to contact them for a refund. I asked how the charges could have been posted to my account when there was not money to pay the charge. The answer was never clear to me. One reason put forth that there was money in the account when the charges were first pending. This is not true. The account balance was {$6.00} as of XX/XX/XXXX. On XX/XX/XXXX, XXXX charges were posted against the account in the amounts of {$4.00}, {$18.00} and {$13.00}. Another reason was that Bluebird has an agreement with XXXX to allow charges when there is not money in the account, but the dispute resolution representative, XXXX was unable to direct me to a list of vendors that have this agreement. 

I was told I was responsible for the charges. I have reviewed the Membership Agreement available online. Pursuant to paragraph 16 ( a ) : I am not allowed to expend funds in excess of the available funds in the account and it further states that if a transaction occurs, I am liable. This is a prepaid card, not a debit or credit card. This was not a case of two transactions happening in close proximity. There is no reason those transactions should have been allowed to process. 

Please explain to me why transactions are posted to an account on a prepaid card without money to pay the charge. This is completely deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to remove on XX/XX/XXXX and XX/XX/XXXX and they dismissed claim it was not me but i provided them my dl and it came from my address. They need to remove this incorrect information.
Product: Prepaid card

I was given a {$500.00} Amex gift card. Every retailer I have tried to use it at, both in person and online, declines the card. I have tried XXXX at this point, and all include retailers that say they accept Amex cards.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX got a loan for me from Mosaic XXXX XXXX to finance solar equipment for my house. I entered into this agreement with XXXX in XX/XX/XXXX and loan repayment is not suppossed to start until after I have started using the solar system. Mosaic started taking loan repayment from my account in XX/XX/XXXX despite the fact that the solar system is not working. Now I have been paying double for my electricity. I am paying my normal utility company, XXXX XXXX and I am servicing the loan that I haven't started benefitting from. This is completely different from what was sold to me. The main selling point of me buying the solar system is to reduce my electricity cost now I am paying double and this has put a lot of pressure on my family. I have reached out to both XXXX and Mosaic but they keep tossing me around. Mosaic kept saying they can not reach XXXX. XXXX  on their part refunded XXXX cheques for the loan repayment ( for the month of XXXX and XXXX ). XXXX made a promise that the issue will be resolved but now, I can't even reach the company representative. He has stopped answering my calls and replying to my texts. I informed XXXX  that I want to discontinue the project since they can not meet up their obligation, they told me I will pay a penalty of {$28000.00} to cancel the project. XXXX XXXX XXXX and their finance partner, Mosaic XXXX XXXX have treated me unfairly and put me and my family in financial hardship by their business practice. Even though none of this is my fault. 
Please I need your intervention. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts and inquiries from my credit report immediately.
Product: Mortgage

In XXXX of XXXX, I was logged into my Wells Fargo account. There was a banner that said something along the lines of " Do you need mortgage forbearance? Click here to learn more. '' I didn't need it, but I clicked anyway out of curiosity. Unfortunately, that simple click notified me that I had been put into forbearance. I called Wells Fargo repeatedly ( after staying hold for at least 30 minutes each time to get a hold of someone ) to ask them to remove the forbearance as it wasn't necessary for me at the time. Each time I spoke with someone, I was assured that there was no risk to my credit and that they " simply moved the payments to the end of the loan term ''. I still tried to get it removed to no avail. 

Fast forward to now, XX/XX/XXXX and I am trying to refi my mortgage through another broker. I am now being told they won't consider offering us a new loan because of said forbearance. This will cost me real dollars as it was a no-cost loan at a much better rate than I have now. 

I've since learned that Wells Fargo was being paid by XXXX XXXX  and/or XXXX XXXX to put customer into forbearance.
Product: Credit card or prepaid card

I had a statement balance due XX/XX/XXXX of {$1800.00}. I had a credit of {$44.00} applied XX/XX/XXXX and made a payment of {$1800.00} on XX/XX/XXXX. I was still charged a {$14.00} interest charge even though monthly balance was paid. I called Capital One ... .and they won't remove the interest charge
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report, specifically about two 30-day late payments from Affirm. I am reaching out to request assistance in rectifying this matter. On XX/XX/2024, at XXXX XXXX  I received communication from a supervisor at Affirm, XXXX, confirming that Case ID Number : XXXX regarding a credit reporting dispute was being forwarded to the relevant team to be removed. It has come to my attention that these late payments were inaccurately reported and were, in fact, errors on Affirm 's end. Despite my request to have my card added to automatic payments, this was not processed as per the recorded conversations available. I have communicated with Affirm 's customer care team, including the supervisor mentioned above, who assured me that they would address this issue promptly. However, I am still seeing these erroneous late payments reflected on my credit report, which adversely impacts my credit score. 

I request your assistance in utilizing the provisions outlined in the Fair Credit Reporting Act ( FCRA ) to rectify this situation promptly. The inaccurate reporting of these late payments is detrimental to my creditworthiness and financial standing. I firmly believe that the evidence available, including recorded conversations with Affirm representatives, will substantiate my claim and warrant the immediate removal of these inaccuracies from my credit report. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take the necessary steps to ensure the accurate reporting of my credit history. I am prepared to provide any additional information or documentation required to support my case. 

I appreciate your prompt attention to this matter and look forward to a resolution that upholds the accuracy and integrity of my credit report. Thank you for your assistance in this regard.
Product: Credit reporting or other personal consumer reports

My information was illegally bought and sold as a result of the XXXX data breach. I have attached proof from XXXX confirming I was a victim of the breach. 
XXXX and XXXX have acknowledged this fact and taken action to delete the items from my credit report but Experian has done nothing. 
I have made over XXXX formal, written requests ( example response attached ) to Experian to directly validate these items and delete them but they have not. 
I believe they are outsourcing the validation to a third party called XXXX XXXX and I think the third party is using data that is inaccurate due to the XXXX data breach. 

In XXXX, I started noticing an increase in illegal activity with my compromised information that correlates to the time immediately following the XXXX breach. I've attached XXXX examples including another data aggregator which is likely used by Experian. 

In XXXX, I started seeing more inaccurate information on my credit reports. 

In XXXX, the trend continued with inaccurate personal information and public records being reported. 

The point is that Experian is using data collected by a third party that has bad information and Experian can't validate the accuracy of these items on my report themselves. 

All of this has hurt my ability to pass background screenings for employment and qualify for home and auto loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts On XX/XX/21 please be sure to enter dates that all letters were sent. 

Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Credit reporting or other personal consumer reports

I am being disregarded yet again. These disputed items are currently in litigation and need to be removed from my credit report while in pending litigation per federal law.
Product: Debt collection

I am a victim of identity theft and XXXX writing to request your assistance in addressing fraudulent activity on my credit file. To support my claim i have enclosed copies of the following documents : my police report/identity theft report. A copy of my state id & drivers license a copy of my social security card & proof of my current address. The fraudulent on my credit report stems from identity theft which XXXX be related to the XXXX data breach i have also filed a complaint with the federal trade commission to document my identity theft case under section XXXX of the fair credit reporting act ( FCRA ) i am requesting that the following inquiries which i did not authorize be blocked & removed from my credit report immediately these inquiries do not relate to anything that Ive made or have knowledge of
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account ( XXXX, XXXX XXXX ) that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX ) As you can see it showing 30 days late twice on XXXX and experian reports and reporting paid on time on XXXX report, this is inaccurate and should be updated immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Student loan

Since XXXX I have attempted to contact FedLoan regarding my accounts that are now showing to be in dispute. These remarks were previously removed and now are showing as disputed again. I am trying to qualify for a mortgage and this verbiage is preventing me from qualifying. I can not reach anyone by phone. I sent an email on XXXX that has gone unanswered. I need to have the disputes removed from all of my fedloan accounts.
Product: Credit card or prepaid card

When I made a payment with the following information provided by Chase, Chase claimed that although this payment was effective on XX/XX/2022, it is posted on XX/XX/2022. Any reasonable people would think effective means posted. 

Account ending in : **** Payment amount : $ **** Effective date : XX/XX/2022 Payment authorized on : XX/XX/2022 My complaint is that Chase provides misleading information, which caused high credit usage reported to the credit bureau and affected my credit score.
Product: Credit reporting or other personal consumer reports

These addresses that i have listed are not my addresses that being said I would like to remove tem from my report ASAP. I already sent in for a removal but they have not done. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2019, The Bureaus added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's credit did not verify this collection. also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, The Bureaus has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.
Product: Mortgage

I advertently paid my XX/XX/2022 house payment twice. I called my bank ( Fifth Third Bank ) on XX/XX/2022 requesting that one of the payments could be reversed, and the response from the bank was that they could not reverse it. Personally I believe that the reversal could happen, and that maybe it would take a couple of days to process for which I can understand. But to believe that this reversable is impossible on the banks ' part is hard to fathom. Requesting that CFPB kindly intervene on this matter and have this corrupt bank simply reverse the XXXX bones that I inadvertently paid.
Product: Debt collection

I called and reached a settlement agreement with the company on XX/XX/year>. They advised after it cleared they would send the confirmation letter. It was never sent and then almost a year later they tried to collect the debt again.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO PRINCIPLE IS NOTICE TO AGENT, NOTICE TO AGENT IS NOTICE TO PRINCIPLE! 
I, XXXX XXXX, federally protected Consumer am aware of Experian Information Solutions Inc unlawful business practices act. 
Upon receipt of DEMAND NOTICE ( Experian ) shall be fined {$1000.00} ( PER DAY ) pursuant to 15 U.S. Code 1681o ( a ) ( 1 ) with PREJUDICE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown person using my first name, incorrect middle initial, and last name, and using my current address but incorrect phone number, opened credit card account at XXXX XXXX XXXX XXXX XXXX XX/XX/2023. XXXX XXXX notified me by US mail on XX/XX/2023 that " my application contained unsatisfactory or unverifiable information '' and denied issuance of the credit card. However, XXXX charges of {$230.00} were made on the card ; XXXX charges of {$1100.00} were also made. These charges appear on my credit report at Experian and are fraudulent. 
Attempts to reach XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX via their website and ( several ) published ( automated only ) phone numbers were unsuccessful as an account number is required -- I have no account. I have been unable to reach a customer service rep with XXXX XXXX to dispute this issue and have the erroneous unpaid and delinquent credit card charges removed from my Experian account. 
Disputes filed in both my and my wife 's names with Experian in XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in regards to a previous complaint I submitted. Complaint number XXXX. XXXX responded but did not address my issue. There is an account which I was very specific about. XXXX XXXX XXXX XXXX is the account that has a comment on my report stating the account was included in my bankruptcy. This remark does not belong on there. I never filed for chapter XXXX nor XXXX bankruptcy. XXXX  responded that there is no bankruptcy reporting on my credit report. Well I have an updated report that is showing that this debt was included in bankruptcy. Again I never filed for bankruptcy. I fully expect to have this false information removed off my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my Credit Report there are still erroneous accounts that are included in my file. I sent a complaint earlier this year specifically on XX/XX/2023, to dispute these accounts : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$18000.00} These accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.
Product: Student loan

XX/XX/2020 - Navient student loan company. Their representative " spoofed '' my employer 's phone number to reach me this morning. I believed it was my employer calling me since we are working from home due to the coronavirus. When I answered, I was shocked to realize it was Navient. The rep said, " Oh we got you now! So you are *my name*! Now confirm your date of birth so we can get started! '' They have been harassing me again about my private student loan and their aggression has only increased. I can't pay it and I've run out of forbearance options and lowering the payments won't help either.My XXXX   daughter has XXXX  XXXX and requires XXXX   XXXX  to prevent XXXX. 
Before today though, it's to recollect all the days and and times that Navient has been harassing me. Early morning, XXXX XXXX  at night, even weekends, it never ends. They've even called my employer before on XX/XX/2020. When I talked to one of their reps on that day, I explained to them that calling my place of employment and jeopardizing my livelihood was no way to work with me on this situation. And this spoofing phone call this morning at XXXX XXXX. was the last straw. I've tried telling them to back off with all the phone calls. I've told them my financial circumstances have changes drastically and their repayment plans were unrealistic. I'm at the end of my ropes now. I'm reaching out in hopes that someone can somehow help me. Thank you for your time, I do appreciate it.
Product: Mortgage

NATIONSTAR MORTGAGE LLC 'S PRETENSE IS FINALLY EXPOSED -- - PURPORTS TO HAVE TAKEN OVER THE SERVICING OF OUR MORTGAGE LOAN FROM AURORA LOAN SERVICE IN XX/XX/XXXX -- -YET, XXXX INVESTIGATION IN XX/XX/XXXX REVEALED THAT AURORA ACCOUNT DID NOT EXIST. HENCE, ITS DELETION FROM XXXX XXXX 'S CREDIT REPORT. CORRESPONDINGLY, A SUBSEQUENT INVESTIGATION OF NATIONSTAR 'S ACCOUNT IN XXXX XXXX BY XXXX REVEALED THAT IT IS ALSO NON-EXISTENT. PLEASE SEE DELETED ACCOUNT OF NATIONSTAR FROM XXXX XXXX 'S CREDIT REPORT. 

THIS ALLEGED ACCOUNT ( NATIONSTAR ) - IS THE BASIS OF THE UPCOMING TRUSTEE SALE OF OUR HOME TWO WEEKS FROM NOW - XXXX XXXX, XXXX ( REFERENCE CFPB CASE XXXX NATIONSTAR ; XXXX XXXX, AND XXXX XXXX XXXX XXXX -- - XXXX ENTITIES IN CONNIVANCE TO STEAL OUR HOME.. ) WITHOUT A LEGALLY EXISTING ACCOUNT AS BASIS FOR THE NOTICE OF DEFAULT - IS IT LAWFUL FOR NATIONSTAR-XXXX TO SELL OUR HOME IN FORECLOSURE AUCTION? 

THANK YOU FOR YOUR URGENT HELP AND INVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son received a letter from XXXX XXXX denying him for a credit card, so I ( his mother ) contacted the bank and was told his credit had already been pulled. So, I mailed a letter to Trans Union and the Better Business Bureau. I also called Trans Union at ( XXXX ) XXXX and ( XXXX ) XXXX. I went to www.transunion.comXXXX, but because my son is a XXXX, this application was discarded. My child is a XXXX and information on the credit card application was incorrect, but I am unable to contact Trans Union to have it removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

I have already disputed these items with the bureaus but they did nit remove them, nor prove validation under Sec. 609 FCRA.

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