23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

NelNet Loan services purchased my ( 1 ) one student loan and during this time has been reporting to my credit inaccurately. The credit report shows that a payment has been made each month but then the overview states that the last payment was made in XX/XX/2019. NelNet is also duplicate reporting with ( 2 ) two different loan numbers but almost the same payment data. Having 2 student loans is bringing my score down, not to mention the fact that they are reporting this late as well. To be clear, I have only ONE student loan. I am not a co-signer on any other student loan obligations. 
I have disputed this thru XXXX XXXX and XXXX  XX/XX/2019 and they state it is accurate. I am trying to buy a home and this loan is hindering these possibilities.
Product: Checking or savings account

Overdraft fees charged when not authorized to do so. 

I request removal and refund of a total of {$100.00} in XXXX overdraft fees occurring on XX/XX/XXXX, XXXX, and XXXX, 2022, from the account ( number can be provided ) in the name of the parties XXXX XXXX and XXXX XXXX. Reason for request : Overdraft protection has never been opted into and on numerous occasions, have been actively opted out. I have a screen shot of the opt-out status from the online app, taken on XX/XX/2022, to verify that the opt-out was still in force. 

Efforts to resolve problem : On two occasions, XX/XX/XXXX and XXXX, 2022, XXXX XXXX contacted Truist customer service and after excessive on-hold times, received verbal assurance that the fees would be refunded, but this verbal commitment has not been honored. On or about XX/XX/2022, XXXX XXXX attempted to contact Truist on this account and encountered an unreasonably excessive wait time of more than XXXX hour. 

A formal letter was sent on XX/XX/2022, requesting a refund. There was no response to this letter within 30 days given. A copy of this letter is provided. 

I visited a local branch ( it was unavailable due to this dispute started as a SunTrust dispute. ) on Friday XX/XX/XXXX. Although the representative appeared willing to refund the fees, for technical reasons that I do not understand, he was unable to refund the fees.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the accounts XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$460.00} XXXX XXXX XXXX XXXXXXXX XXXX opened : XX/XX/XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$1200.00} result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. My FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

On XX/XX/2023 In Louisiana a TV commercial ad aired on basic cable station called XXXX channel ; XXXX to be exact. The commercial was by Chase bank. To make matters worse, the ad was advertising towards children for their own bank account. Heres a link to the commercial : XXXX XXXX XXXX XXXX XXXX XXXX At XXXX seconds into the commercial, a disclaimer is displayed at the bottom of the screen. The text itself is so blurry and pixelated it is ineligible to read. 

A disclaimer is what defines a companies truth and credibility in an Ad and having a disclaimer thats ineligible is misleading for both parents and children who are watching this tv Ad. 

Chase bank shouldnt be targeting children to begin with. Then theyre purposefully blurring the disclaimer to hide facts from what should be public knowledge. 

The channel it is displayed on has tv shows that are rated PG. Which means this channel is watched mostly by families and children. Theyre preying on the minorities. This shouldnt be allowed. They should be held accountable. 

Please help me and the many families who want transparency and truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is a ground for removal they also violated my rights under : 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section2 : Also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports, and discovered several inaccuracies in the personal and home information listed. It's imperative that this infromation be updated across all credit reporting agencies to ensure accuracy of my credit profile. 

These inaccuracies include addresses:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to these, the correct spelling of my name that should be listed as XXXX XXXX XXXX with the updated and only address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I kindly request your assistance in facilitating the correction of these inaccuracies with Transunion, XXXX, and XXXX. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

i was a victim of idetity theft starting in the year XXXX and has still occured to the present day until i put a fraud alert on my consumer report as of XX/XX/XXXX i also have a police report to verify my identity theft. 

the F.C.R.A ( 15 U.S.C. 1681s-2 ) STATES THAT FAIR AND ACCURATE CONSUMER INFORMATION MUST BE REPORTED SO ALL THESE UNAUTHORIZED ( HARD INQUIRIES ) SHALLL BE REMOVED DUE TO IDENTITY THEFT IF THE ( HARD INQUIRIES ) ARE NOT REMOVED THIS IS A DIRECT VIOLATION OF ( 15 U.S.C 1681n ) which holds the credit reporting agencies liable for complying with the F.C.R.A SO XXXX, EQUIFAX, XXXX ARE HELD LIABLE
Product: Credit reporting or other personal consumer reports

I noted a lower credit score before I applied for a business loan. I investigated and found that info on several late notices from XXXX XXXX XXXX XXXX did not seem to be mine. Address was unknown and name unknown. 

I mailed this concern to credit bureaus and BankXXXX XXXX XXXX has not responded properly nor has the 3 credit bureaus responded at all. 

I do expect this to be taken off
Product: Credit reporting or other personal consumer reports

I am selling my home and the title company says that I have outstanding child support payment due. I called the Department of Social Services and they told me that they have no record on me. They think this issue came about because my name is a very common name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on the accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$360.00} XXXX XXXX Balance Owed : {$350000.00}
Product: Checking or savings account

I filed a complaint with the CFPB on 2 factor authentication problems. At this point I am completely locked out of my accounts with no way to access anything from the website. So this is a new problem and is much worse than the earlier one.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST TO whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Accounts that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATIONXXXXXXXX  account # XXXX DEPT OF EDUCATIONXXXXXXXX  account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATIONXXXXXXXX  account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX Please find enclosed a copy of my Identity Theft Report, proof of my identity, and any other necessary documentation to facilitate the prompt removal of these fraudulent items. Thank you for your immediate attention to this matter. Please feel free to contact me at XXXX if you require any further information. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of late payment and charge-off data on my TRANSUNION credit report for the XXXXXXXX XXXX account ( Account Number : XXXX ). The reported information contains multiple discrepancies and violates the Metro 2 standards set by the Consumer Data Industry Association ( CDIA ), as outlined in the Credit Reporting Resource Guide ( CRRG ). 

Details of Disputed Data The following payment rating codes under Metro 2 Field 17b are inaccurately reported : 30 Days Past Due ( Code 1 ) 60 Days Past Due ( Code 2 ) 90 Days Past Due ( Code 3 ) 120 Days Past Due ( Code 4 ) 150 Days Past Due ( Code 5 ) Charge-Off Status ( Code L ) The timeline and sequence of these codes, along with the charge-off designation for the account, raise concerns about compliance with Metro 2 reporting standards .

Issues Identified Non-Compliance with Metro 2 Reporting Standards The reporting of multiple payment delinquencies and charge-off codes does not align with the data accuracy and consistency required under the Metro 2 framework.

There is no evidence that the creditor followed reasonable procedures to ensure the account status was correctly updated. 
Credit Utilization Inaccuracy The account reflects a balance of {$1300.00} exceeding the credit limit of {$1100.00}, inaccurately inflating my credit utilization ratio and further impacting my creditworthiness. 
Failure to Provide Proper Notification Under 15 U.S.C. 1666b, a creditor may not treat a payment as late unless it mailed or delivered the required billing statement at least 21 days before the payment due date. 
There is no documentation or proof that proper notices of delinquency were provided before escalating the account to charge-off status. 
Misleading and Redundant Charge-Off Reporting The repeated charge-off entries for XXXX through XX/XX/year> result in redundant and misleading reporting, in violation of the FCRAs mandate for maximum accuracy ( 15 U.S.C. 1681e ( b ) ).

Requested Actions I request the following : Removal of Late Payment rating ( 30, 60, 90, 120, and 150 Days Past Due ) If TRANSUNION can not provide verifiable documentation showing compliance with Metro 2 standards and billing notification requirements, these payment ratings should be removed. 
Correction or Removal of Charge-Off Entries The redundant charge-off entries from XXXX to XX/XX/year> must be corrected or removed to ensure accurate reporting. 
Review and Correction of Balance and Credit Limit Update the balance and credit limit data to accurately reflect the account 's status. 
Please consider this a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I request a full investigation into these inaccuracies and corrections to my credit report. If XXXX can not substantiate the reported data, it must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC systems and XXXX has an account. I sent out dispute letters and I spoke to someone in that Dept. Asking to remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a tenant and employee that committed fraud when they signed the agreement with XXXX XXXX  i did not sign the agreement, the agreement was signed illegally without my support and signature. I did note enter into the agreement the woman XXXX who signed the lease, signed up with XXXXXXXX XXXX not me. I need this removed from my credit it is killing my credit score. The agreement was not entered by me it was fraud i did not know about it until I applied for a loan and my credit score was getting hit by XXXX for a debt i did not authorize, sign or even know about.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX FAMILY XXXX Balance : {$220.00} XXXX XXXX  XXXX Balance : {$220.00}
Product: Credit reporting or other personal consumer reports

i was a victim of identity theft, i need this off my credit i did not open this accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This account popped up on my credit report and ALMOST cost me a mortgage ( and DEFINTELY increased many costs associated with it! ) I didn't even know what it was, but ( after dpomg research extensive research with my insurance company -- who was AMAZING! ) I found out that it turned out to be a medical collection for my son 's treatment in the previous months and that it was NEVER submitted to insurance, despite them having the insurance information on file and NEVER contacting me ( the creditor admitted this. ) This cost me a lot of money and almost jeopardized the closing of my first home purchase. I contacted the creditor multiple times ( mainly spoke with 'XXXX  ' the 'credit reporting 'manager ' ) -- and after spending HOURS on hold -- and being ASSURED that, while their 'back office ' did not have a phone number, they were 'PRIORITIZING ' this complaint and someone would reach out to me within 24 hours ( this was back in XX/XX/2020 -- have never received a call-back, and have called in 15+ times ) nothing was ever done. Please help!
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Credit Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union LLC refuses to remove negative information on my credit report caused by identity theft while I was in XXXX. I was in XXXX  from XX/XX/XXXX through XX/XX/XXXX in New Mexico. I had no control over my financial accounts during this time period. This information on my credit report affects my FICO score negatively. 
XXXX XXXX XXXX  complaint filed : This message is regarding Complaint ID # XXXX Trans Union LLC Thank you for following up with XXXX  regarding your position in the above-mentioned dispute. 
We understand you are NOT satisfied with the businesss response, and have noted your dissatisfaction in our files. While we regret we were unable to reach your desired resolution, the business has provided XXXX   with its position. This matter is now closed in XXXX  files, and will appear in the companys XXXX  XXXX XXXX as : Answered - the business addressed the issues within the complaint, but the consumer remains dissatisfied.
Product: Debt collection

Sunrise Credit Services Inc called me stating I owed XXXX  {$34.00} dollars. They nevetr mailed me no letter or anything pertaining to the debt. I also have attach 4 US Certified letters to XXXX and proof since XX/XX/2018 XXXX, XXXX, XXXX, XXXX to the balance. I also filed a complaint with the Consumer financial protection bureau on several times which was forward to XXXX XXXX as well. XXXX was called and every time I was told some one would return a call in which they never did. There was several letters sent with no response from XXXX  to the balance or settling the debt.It was never but the run around with XXXX. 
Sunrise also told me on the phone that they did not have my address to mail a letter. If the account was sent over from XXXX they had the account number as well as the address and XXXX received letters about the debt as well on each letter the full address so there was no excuse for such a lie by Sunrise Credit Service
Product: Debt collection

The company Global Lending Services is violating my rights. I obtained this car in XXXX and returned it when I was an XXXX XXXX military service member under the Service member Relief Act ( SCRA ). However, they are reporting on my credit that the car was repossessed. To make matters worse, they claim I made a payment in XXXX of this year to keep the car on my credit report, when it has been more than 10 years since I had the car. They are not honoring the SCRA and are incorrectly stating that I got the car in XXXX when I was already retired and living in XXXX, NV. They have not provided me with a copy of the original contract, which likely contains the truth about when I obtained the car. Since they are not honoring the SCRA and it has been more than 10 years, they should erase this from my credit report. I also want proof of the payment that they claim I made in XX/XX/XXXX to keep the account on my credit report without any valid reason. This not only seems illegal, but it also appears to violate my rights as a veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a letter from a Loan agent reguarding my credit score and it appears these 3 credit bureaus are implecating false statements against me which is totally a lie and i am about to file a lawsuit against all 3. I have reported to you before the incorrect information each displayed as deliberate reporting to hurt a consumer and they are at it again this time they have gone way over the line and made up a bunch of lies that are not true! All have been scanned and documented. It is time either Federal or who ever is in charge put a stop to these trolls and their misuse of public credit. I will never apply for credit again, once my car is paid off and cc ; s I will save up if it takes me 30 XXXX years and pay in full with out their XXXX XXXX XXXX   interference. I have had it with these liars and they are nothing more than a bunch of incompetant XXXX  NO EDUCATION and trumped up XXXX
Product: Mortgage

I am a Client of NEWREZ and I was looking to do a REFI. They strung me along for almost 5 months ( XXXX XXXX XX/XX/2021 ). Once the CD was sent out, it was double what I was promised and I wouldn't sign it. They then declined my loan and told me I was high risk! I have a six figure income with a low DTI RATIO, with almost XXXX in equity in my home. I was taking a loan for XXXX and got denied after I rejected NEWREZ CD. There are numerous filing 's with the XXXX complaining about the same issues that I am dealing with from this company. There lening practices needs to be investigated, it could just be discrimination because I am a minority!
Product: Money transfer, virtual currency, or money service

I am familiar with the PayPal User Agreement and point out I have not violated any policy or law but PayPal closed my account for no reason and will not help me with getting it back and going. 
I am not sure if this is some mistake XXXX I asume it has to be! 
I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. 
I am very affected in these times of pandemic with Covid-19 by this decision of PayPal! 
My email linked to my PayPal is : XXXX XXXX
Product: Credit reporting or other personal consumer reports

An acont was remover called all three credit reporting agencies it was back on to day all XXXX  gave run around and could not tell why it was back on as XX/XX/2024 XXXX
Product: Credit reporting or other personal consumer reports

While trying to deal with a debt collection company portfolio recovery I requested some very important information front the representative from the legal department that i was talking to who did not have or know what the 15 USC 1692 G was? Than when I went on to request my debt validation to include 1. Detailed list of payments for the original account 2. Forward flow agreement 3 want the original agreement with my signature validating I am responsible for the debt 4. Any insurance claims filed on this debt 5. Proof of chain of title to collect the debt This information is vital to proofing this is a accurate valid debt and for me to verify that this debt is accurately mine not a fraudulent account possibly opened by someone else. 
As you can see from the uploaded file on my credit report that it is showing a open account which is completely incorrect the account has been closed for years that alone is enough to show the information they are reporting is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX ACCT # XXXX XXXX XXXX XXXX XXXXXXXX : Has violated my rights 15 USC 1681 section 602 A states. I have the right to privacy 15 USC 1681 section 604 A section 2 also states consumers agency can not furnish a account without my written instruction