23daVinci/CFPB_Complaints huggingface dataset:
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 correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Payday loan

Niece took out loan with Castle Payday loans in Michigan in my name. Loan was for {$800.00} with {$280.00} interest. She did n't tell me when the XXXX payment was due, so I did not put money in her checking account to pay it. But then I got an email from the bank saying that Castle Payday tried to take the money out. So after this, I tried to talk to Castle Payday to make a payment but they would n't tell me anything because I did n't know what email address my niece used, and she could n't remember which XXXX she used. This was after I provided my name, social security number, DOB and address and they still would n't talk to me. So after this I made sure that I had money in the account each time a payment was due. XXXX payments of {$280.00} each were made to Castle Payday, for a total of {$1100.00}, which was more than the total of {$1000.00} which it supposed to have been. My niece finally remembered which email address she used, and I was finally able to talk to them. They told me that all the payments I made were for interest, and that I still owed {$1300.00}. That makes a total of {$2500.00} for a {$800.00} loan. I find this to be totally ridiculous, and they should have talked to me initially after I gave them my name, social, DOB, and address. This company needs to have action taken against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I purchased a bedroom mattress and box spring around 2019. I have been disputing the balance that appears on my credit report..XXXX  employees were recorded on several phone calls about me disputing this account for several reasons. First off I wanted to return the merchandise after about 3 months. They wanted me to deliver the merchandise at a storage facility in which my girlfriend at the time felt unsafe. We decided to keep the items. At this point you will see they are charging off an un agreed amount. I think they do this on purpose to maximize their profits and loss. I have questioned this many times but when I call they place me on hold and the call always gets disconnected. What I want from them are the final financial figures so that my soon to be attorney can bring them into court to see exactly what the final amount is for the written off balance that they claim to have on my credit report. Also they are still reporting this account as a charge off but yet we agreed to settle this account and it be removed from my credit report. The FCRA is very specific in the penalty and fines for violations. What this company has done is intentionally damaged my credit. They refuse to reply to my requests so unfortunately I have no other alternative but to request a full itemized summary through here and in lieu of a lawsuit moving forward I will ask one last time that this tradeline be resolved by removing it entirely from my credit report immediately
Product: Consumer Loan

Approximately in XXXX of 2016 I purchased a new Harley Davidson from a local dealership. Approximately in XXXX of 2016 I was involved in an accident which culminated in the loss of my job. I have missed a few payments, have informed Harley Financial Services ( AKA - XXXX ) about my situation and asked them to stop calling my cell phone every day with no less than 6-8 phone calls a day from various telemarketing phone numbers, recorded messages, and masked phone numbers with a ( XXXX ) area code of my home state. I have repeatedly asked the company to stop harassing me on a daily basis. The company has not ceased the excessive communications, and have now started calling me on Sundays, at all hours from XXXX XXXX to XXXX I have informed the company I am extremely willing to communicate with them and resolve the back balance owed, however I have stopped answering calls and if they do not stop will be contacting my attorney.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments XXXX XXXX XXXX Account To Whom It May Concern, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX High Balance : {$2400.00} Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Current Creditor Remarks : Closed Nature of the Complaint : Inaccurate Reporting : My credit report reflects late payments in XXXX and XX/XX/XXXX. However, I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. The reported late payments ( 30 days late in XXXX and 60 days late in XXXX ) are inaccurate and misrepresent my creditworthiness. 
Discrepancies in Reporting : TransUnion is reporting 30-day late payments for XX/XX/XXXX and 60-day late payments for XX/XX/XXXX. 
Both XXXX and XXXX do not report any late payments for these periods, highlighting inconsistencies in reporting accuracy across bureaus. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting violates my rights under the FCRA ( 15 USC 1681 ), which requires credit reporting agencies to ensure maximum accuracy of the information reported in consumer files. 
Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : Reporting false late payments constitutes misrepresentation and may violate FDCPA protections for consumers. 
Truth in Lending Act ( TILA ) : The reporting practices undermine the transparency mandated by TILA, which requires the accurate reporting of credit information.

Additionally, the FCRA ( 15 USC 1681i and 15 USC 1681s-2 ) mandates that credit reporting agencies and information furnishers correct inaccurate or incomplete information. Articles 616 and 617 ( 15 USC 1681n and 1681o ) outline the civil liabilities for willful and negligent noncompliance, including damages for failure to adhere to these provisions. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. Please update my account to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments : Copy of my personal identification document Copy of my recent credit report highlighting the discrepancies Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Its outrageous to find such a blatant error on my credit report. There is an account listed that is either entirely incorrect or doesnt belong to me at all, and its unfairly dragging down my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently informed while house hunting that I was attached to two socials and this is common with identity theft. I also noticed some Inquiries that are not mine. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXXXXXX XXXX with transunion XXXX XXXX XXXX i XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX  and XXXX  I also tried to call in to get security freeze removed again and was unable to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I applied to have six loans I had with XXXX  XXXX XXXX consolidated. While going through the process I continued to make monthly payments on the loans. The consolidation was approved and the last payment to XXXX XXXX on the accounts was XX/XX/2018. I received an update to my credit report in XXXX showing the loan balance as XXXX  but the payment status is 90 days past due for 6 accounts! This is inaccurate as I paid every month and was not 90 days past due. When I call they tell me my accounts were current. I asked for a letter and all it shows is paid in full and XXXX balance although I requested a monthly payment history. I have sent a request twice to their dispute department but they keep sending me back a note saying my account is accurate with XXXX balance. I keep trying to tell them the payment status is incorrect and no one seems to get it. I need the payment status of six XXXX accounts corrected account numbers are XXXX. I also disputed with Transunion but they did nothing but remark my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 n 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 us rept but they refused they had me on mute for 4 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 XXXX 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 XXXXXXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

In the month of XX/XX/2018 I agree to allow American Express to debit the balance owed in two payments. The two payments of XXXX XXXX on XX/XX/XXXX and the second one for XXXX for one week later to pay the balance of the Amex Account. 
The payments were not posted as directed over the phone, the exact balance of the amex bill was deducted from my state Bank account. for a total of XXXX. I have repeatedly reported to Amex to no avail. This account has been unfairly and incorrectly reported to the three credit reporting agencies negatively and in collections. Can you help?
Product: Credit card or prepaid card

Been usin netspend since I don't have a bank account. I just got laid off but I was happy to kno that I still had {$22.00} left that I can use for gas to help look for another job. Will I pulled up to a gas station just to find out Netspend closed my account. I still have the app state I'm still a customer and my remaining balance. I call them to try and resolve it, they ask me for my social security number or card to continue on, but it said it's invalid.
Product: Checking or savings account

I am filing a formal complaint against Bank of America regarding an unfair and unverified report to XXXX, which is severely affecting my financial standing. 

Issue Description : XXXX. XXXX XXXX XXXX XXXX XXXX Bank of America has reported my account to XXXX as Suspected Fraud Activity. 
I have repeatedly requested specific evidence to justify this accusation, but the bank has failed to provide any clear proof. 
Under the Fair Credit Reporting Act ( FCRA ), negative information in consumer reports must be accurate and verifiable. In this case, BOA has not demonstrated the validity of its report. 
XXXX. Unsuccessful Resolution Attempts with Bank of America I have contacted Bank of America at the number provided in my XXXX report ( XXXX ) and their fraud department, but they refuse to provide evidence or remove the information. 
Their only response has been that they are not obligated to remove the report, without addressing my direct request for verification. 
XXXX. Severe Impact on XXXX XXXX XXXX XXXX to this negative XXXX record, I have been unable to open bank accounts at traditional financial institutions. 
I have no history of fraud, and this false information is causing significant financial hardship. 

Requested Resolution : XXXX. That Bank of America provides clear, verifiable evidence supporting their fraud allegation against my account. 
XXXX. That if they can not provide valid proof, they immediately remove the negative report from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These seven hard inquiries are fraudulent or belong to someone else. I have an online account with Experian and I check my credit often since I have been a victim of identity theft before. After carefully taking a look all my accounts and hard inquiries, I found these seven fraudulent hard inquiries that dont belong to me. Please remove them from my credit report.
Product: Checking or savings account

Dear CFPB- Citibank has misappropriated {$5000.00} of my social security funds in my savings account. I have no words to describe the emotional and psychological harm that this event has caused me. 

1. I have had a savings account ( XXXX ) with Citibank for a number of years. 
2. On XX/XX/2020, I opened a checking account with Citibank ( account number : XXXX ) 3. I transferred {$5000.00} from my savings account to my new checking account. These were funds that I received as part of my SSDI Spousal Benefit into my saving account. 
4. On or around early XXXX, I logged into my account and noticed that my checkings account was no longer showing up on my account dashboard. 
5. I went to Citibank at XXXX XXXX XXXX in XXXX XXXX, XX/XX/XXXX and spoke to the branch manager by the name of XXXX XXXX XXXX NMLS # : XXXX ). 
6. I asked her why my account had been closed and where my {$5000.00} in funds were. 
7. She did not have any proper information to provide me. She said that my account had been closed on XX/XX/2020. She did not know why the account had been closed. She suggested that the account my have been closed due to a Citi Sweep and that a check for {$5000.00} had been sent to my address. She made some calls and said she would open an investigation and that I should have my funds within 2 weeks. 
8. I asked her whether the {$5000.00} check sent to my address had been cashed but she had no information regarding the status of the {$5000.00}. She had no idea when the check was mailed out and whether it had been cashed. 
9. It has now been two months since I visited the branch and I have heard nothing from the bank nor have I received my funds for {$5000.00}. 
10. I can only surmise that the bank has misappropriated my social security funds for {$5000.00}. 

Given these Covid times, this is my only source of income and I am struggling to make ends meet while the bank refuses to send back money that I deposited into the checking account ( XXXX ). I still have no idea why my checking account was closed. Incidentally, my savings account continues to be operational and I have been receiving my Social Security funds into the savings account. The bank had no information why one account was kept open while the other was closed. 

I need immediate relief. I request you to assist me in recovering my {$5000.00}. This incident has caused me significant stress and health issues in addition to putting my financial situation in significant jeopardy. 

I also request that you take any and all appropriate action including any punitive action against this sheer malfeasance on the part of the officers of this bank. 

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

From XXXX Till XXXX someone was going to school and receiving grants and selling phones over seas and got into my XXXX account!
Product: Credit reporting

Upon being notified by my cell provider that there were several erroneous items on my credit report, I contacted all XXXX of the major credit bureaus to correct the errors. Of the several errors on my report, XXXX was a XXXX Bank credit card account that was sold to XXXX XXXX. Through the CFPB 's assistance, XXXX removed the account from all XXXX bureaus. Since they were alerted the account was not mine in the XXXX place,, XXXX XXXX and XXXX removed the XXXX account from my credit history. 
Equifax however after being advised repeatedly by certified mail and through their website have ignored my demand to remove the XXXX account from my record ; claiming that they have verified the account to be mine ; which is a falsehood. I maintain that this was never my account. I have been disputing this for more than XXXX months now and am now demanding proof of this debt from XXXX Bank as I know it does not exist. Short of legal action against Equifax, I do n't know how to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my auto loan on XX/XX/2021 as required. The payment I submitted was before the 30 day mark because I was told I needed to pay it in full. However, on XXXX XXXX, I received an alert from XXXX that Capital One noted the account as 30 days overdue which caused my credit score to plummet 24 points. I reached out to Capital One and XXXX but no one wants to rectify the error. I was not late but Capital One marked me as late. The investigation by XXXX said that they updated the account and the account was accurate but this is not true because my pay status currently shows the account was paid, closed and was 30 days past due. XXXX states the Original Charge Off was updated although there should have never been a charge off. Per XXXX 's product, this error has caused my score to drop. XXXX is not acknowledging their own credit reporting products and if they are useful tools to the consumer, XXXX should be able to assist the consumer. This has affected my ability to secure a better rate as I start the homebuying process.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX and XXXX XXXX card holders for over 3 years combine. I have never been late until the last year XX/XX/XXXX, and the reason for my lateness are because I was laid off from work and I had no source of income. I had to use my Credit cards to survive and stay afloat, in the process I missed a payment or two. I payed both cards complete off. 

In XX/XX/XXXX I was still laid off and couldnt obtain any suitable job, and the worst was yet to happen. On XX/XX/XXXX I lose both my grandmother and sister to XXXX and I use my credit cards again to pay for theyre funeral and in the process I was late again. I am asking please give me this one time good will adjustment I learned from my mistake Ive set up automatic payments with all creditors and been paying on time. The late payments are hindering me from getting approved for a mortgage loan and auto loan which I desperately since my lease is almost over and my vehicle broke down. Please I beg you to consider a late payment forgiveness towards my credit report.
Product: Credit reporting or other personal consumer reports

I AM WRITING TODAY IN REFERENCE TO SEVERAL FRAUDULENT ACCOUNTS, UNAUTHORIZED HARD INQUIRES, AND INCORRECT PERSONAL INFORMATION THAT KEEP APPEARING ON MY CREDIT REPORT. THESE THINGS DO NOT BELONG TO ME AND SHOULD NOT BE SHOWING UP AGAINST ME. I DEMAND THAT THEY BE REMOVED IMMEDIATLEY. THIS IS THE SECOND TIME THAT I'VE WRITTEN YOU REQUESTING A 'PROOF OF CONTRACT FROM THE CREDIT BUREAUS AND THE COMPANIES LISTED IN MY IDENTITY THEFT REPORT AFFIDAVIT. MORE THAN 30 DAYS AGO I WROTE AND REQUESTED "PROOF" OF THE ORIGINAL CONTRACT WHICH CONTAINS MY SIGNATURE IN REGARDS TO THESE FRAUDULENT ACCOUNTS TO THE CREDIT BUREAUS. THE CREDIT BUREAUS NEVER PROVIDED ME WITH ANY PROOF THAT A CONTRACT EXIST, NOR DID THEY RESPOND BACK TO ME.

TransUnion
FARUDULENT AND UNKNOWN ACCOUNTS XXXX XXXX XXXX XXXX, date opened XXXX, balance XXXX, XXXX XXXX XXXX, acc # XXXX, date
opened XXXX, balance XXXX XXXX XXXX XXXX., acc# XXXX, date opened XXXX, balance XXXX XXXX XXXX XXXX, Acc# XXXX, date opened XXXX, balance XXXX, XXXX XXXX XXXX, acc# XXXX.
date opened XXXX, balance XXXX
UNAUTHORIZED HARD INQUIRES
XXXX XXXX, date opened XXXX XXXX XXXX XXXX
.FRAUDULENT ACCOUNT'S
XXXX XXXX XXXX acc # XXXX, date opened, XXXX XXXX XXXX, balance XXXX, XXXX XXXX XXXX,
acc # XXXX, date opened, XXXX XXXX XXXX, balance XXXX, XXXX XXXX XXXX, acc # XXXX, date
opened, XXXX XXXX XXXX, balance XXXX, XXXX XXXX XXXX, acc # XXXX, date opened XXXX XXXX XXXX,
balance XXXX  FRAUDULENT HARD INQUIRES XXXX, date opened XXXX XXXX XXXX XXXX  FRAUDULENT ACCOUNTS
XXXX, acc# XXXX, date opened XXXX, balance XXXX, XXXX XXXX XXXX, acc# XXXX,
date opened XXXX, balance XXXX, XXXX XXXX XXXX acc# XXXX, date opened XXXX, balance
XXXX, XXXX XXXX XXXX, acc# XXXX, date opened XXXX, balance XXXX, XXXX XXXX XXXX, acc#
XXXX, date opened XXXX, balance XXXX, XXXX XXXX, acc# XXXX, date opened XXXX, balance XXXX