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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Correction of Personal Information in Credit Report To Whom It May Concern : I recently reviewed my credit report and found several inaccuracies in my personal information, including incorrect addresses, name variations, and employment history. I kindly request your assistance in correcting these errors. I have attached documentation providing proof of my current address and the correct spelling of my name as indicated on your website. 

To facilitate the correction process, here is a list of incorrect addresses currently appearing in my report that I would like removed : XXXX XXXX XXXX XXXX, XXXX, Texas XXXX The only correct address that should appear in my report is : XXXX XXXX XXXX XXXX, XXXX, Texas XXXX Additionally, I noticed that my name is misspelled in various ways in my credit report. My name has only one correct spelling, and there should be no variations listed. To confirm the correct spelling, I have attached a copy of my photo ID. 

Here are the incorrect spellings currently listed in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also request the removal of the following incorrect employer : XXXX XXXX  The only employer that should be listed is : XXXX XXXX XXXX These inaccuracies are causing challenges for me in maintaining an accurate credit report and are affecting ongoing legal processes. Therefore, I kindly request the removal of the incorrect names, addresses, and employer from my credit report and that it be updated accordingly. 

Once the necessary corrections have been made, please send me a copy of my updated credit report for my records. 

Thank you for your prompt attention to this matter. I sincerely appreciate your assistance. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo ID Proof of current address
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the 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 instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I GOT A NOTICE THAT MY PERSONAL INFO WAS IN A DATA BREACH AN I LOOK AT MY CREDIT REPORT AN SEEN INACCURATE INFO AN ACCOUNTS
Product: Payday loan, title loan, or personal loan

Started the account last year, missed a couple payments due to bank not allowing the payment to go through, never missed a payment more then 30 days. When I stared this account I had to call multiple times because I never received bills, I've checked with the post office multiple times and nothing was there. Now that im getting close to the end of my payments they ended up removing my promotion for interest free claiming because I had missed payments. I had no idea thats how it worked I was never told by anyone that I could lose my promotion. i have done everything in my power to pay these payments I work two jobs to make sure of that. I never received a welcome letter and in the paper work I have for them nothing says they could remove my promotion.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach and subsequent identity theft. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items blocked and deleted from my credit report. 
Fraudulent Accounts XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$1700.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$1500.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$37000.00} Unauthorized Inquiries XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 Company sold - Date opened XX/XX/XXXX Open/closed Open Status updated XX/XX/XXXX Account type Credit card Status Open. 

Balance {$830.00} Balance updated XXXX XXXX, XXXX Credit limit {$1100.00} Credit usage XXXX XXXX Monthly payment {$70.00} Last Payment Date XX/XX/XXXX Highest balance {$830.00} Terms - Responsibility Individual Your statement - XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCORDING TO THE XXXX XXXX I DID NOT AUTHORIZE THE REPORTING OFFICES ACCOUNTS UNDER 15 USC 1681 C-2 PLEASE BLOCK OR REMOVE THE FILES
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX To Whom it may concern, There is information that's on my consumer report that is a result of identity theft.I did not provide written permission, or instructions for the identified transactions to be reported on my consumer report.I am requesting that the reporting of this information be blocked and deleted.My request to block is not being made in error, nor is my request to block being made on the basis of a material misinterpretation of fact by me relevant to the request to block the identified transactions.The identified transactions are not information related to any transaction by me as the consumer : Fraud accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice.I look forward to your response. 




Respectfully Submitted, XXXX XXXX, XXXX [ Agent/Beneficiary ] Without Prejudice.All Natural Alienable Rights Reserved
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Im alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Debt collection

My debt was recalled from them by the hospital. I even confirmed with the hospital I have no account in collection. Got it figure out confusion with the debt collector. Ever week once a week I would get a text message from them I have an account with them. Frost-Arnett Company is the name. I call ask about it and they would say oh call the hospital so I would. Then I call them back it would again be confirmed I have no account it with them. This went on for XXXX weeks and continued. Everytime I was told I shouldn't receive anymore text. But I still do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been cleaning all my consumer reports because I found out that there were accounts that were opened in my name that I did not authorize. While going over one report I was sent another report that had listed several checks that were written without my authorization. I am have been a victim of ID Fraud and this is an ongoing seems to be never ending saga in my life. There are several checks on this account that I want to dispute as fraud and removed as these are wrong and don't belong to. Once this is cleared up please send me an updated report with those items removed. Thank you
Product: Prepaid card

My Direct Deposit went through as it usually does but this time I have no access to my money. First my balance was not reflecting my direct deposit it said {$0.00}. Apparently they were doing a system update and there was a problem because I then had unauthorized out of country charges to my card. Now my old card is not activated so I 'm waiting to get my new card so I can pull the rest of my money out. Also the card was ordered express shipping for {$30.00} on Friday. It is now the following Tuesday and I still have no card and no tracking number. Of course I 've called XXXX and so far there is nothing to be shipped to my house. Today I 've tried to contact rush card and like it has happened since this mess started I keep getting hung up on!
Product: Credit reporting or other personal consumer reports

I have submitted disputes to Mohela, XXXX, and XXXX on how my student loans have been discharged as of XX/XX/XXXX. However, Mohela, XXXX, and XXXX are still reporting balances on my student loans to XXXX and XXXX. As of XX/XX/XXXX, balances are still showing on my XXXX and XXXX credit reports. In addition, my credit report shows a comment that the creditor ( Mohela ) has been reporting the information correctly ; however, they are still reporting balances to XXXX and XXXX. Only XXXX reports my student loan balances correctly. 

Also, I have duplicate trade lines on my XXXX credit report : one line reflecting a balance ( still showing that it's serviced by XXXX ) and another line showing no balance. The duplicate trade line showing a balance needs to be deleted from my credit report. 

Mohela has been difficult to reach, and when I do reach them, they don't seem to be looking at the details ; rather they are sending general responses to my complaints. 

This is my second CFPB complaint against Mohela.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Please remove froudulent inquires from my credit report
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits issue aligns with the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Debt collection

In order for me to figure out how much I owe them, I requested credit card statements for the life of the account which is from XXXX. I'm not going to take their word on the amount owed since banks are crooks. Initially they sent me XXXX to XXXX statements. I called again and asked I needed all the statements. A few weeks later, they sent me XXXX statements. I called them and requested again I need all the statements and left a message for them. No response back. I called them back two weeks later as I noticed a letter from them in my mailbox showing that they filed a lawsuit and billed me the {$510.00} filing fee for the court. I called them again and asked why is there a lawsuit. They said because there was no settlement. I repeated again I need all statements so that I can figure out how much is owed. The new person that I spoke with which is different than my contact on the forms said he can send out XXXX to XXXX statements and try to get the older ones. He then said once you have them call us so we can figure a plan for you. 

My question is, how can I make any decision if I don't have all the statements showing what I truly owe them? Regardless, I have no details and they file a lawsuit against me. 

That is not right. I should be given all the details needed so that I can make an informed financial decision on the debt I owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to covid I applied for forbearance for 6 months, I was advised that while the application was in progress there would be no impact to my credit. 

My credit score dropped 67+ points. 
The forbearance was approved until XXXX. 

My credit score has remained low even though I was advised there would be no impact while the application was processing This happened before and I had to submit a complaint. 

I have a XXXX and my home is in need of emergency repair due to my sewer line being broken. I am not able to obtain any loan to resolve the issue due in part to my credit score. 

This is urgent as my home is having environmental and sanitary issues. I also XXXX XXXX XXXX XXXX in XXXX, XXXX, XXXX and XXXX as I am XXXX XXXX due to taking medication for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chase bank notified us that it will close all our savings and credit card accounts, in fact I closed my personal and business credit card, we go to the bank for an explanation and at the bank branch they told us that they don't know the reasons, we waited for a call for 7 days and yesterday they called us and they say they don't know the reasons either. No one can tell us the reasons and they do not give the possibility that it is an error, we requested the report from XXXX and the accounts with Chases did not appear in the report, we are desperate, we do not know what we can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following accounts have violated my rights by posting my personal matters in public for everyone to observe XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Dept of Revenue XXXX15 USC 1681 section 602 States I have the right to privacy * 15 USC 1681 section 604 A section 2 it states that a consumer reporting agency can not furnish a account without my written consent instructions which I have not done so *15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose These companies along with Credit Bureau have knowingly violated my rights and I will be force to take legal action if this continues
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying to contact all three credit bureaus to get the XXXX and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.
Product: Vehicle loan or lease

My auto loan was opened XX/XX/XXXX. The original loan amount was {$15000.00} with an interest rate of 21 %. From XX/XX/XXXX to XX/XX/XXXX I have made a total of {$31000.00} in car payments - nearly double of what the car was worth. Yes, I understand the interest rate is high, but I've paid double of what the original loan was for. My statement is still reflecting {$5900.00} due with a maturity date of XX/XX/XXXX. How am I supposed to go from a {$380.00} car note to Santander Consumer asking for full payment of nearly {$6000.00} dollars? I have surpassed the original contract terms of the loan ending in 72 months but still should not owe nearly {$6000.00} on a loan I paid TWICE over the course of 7 years. I am still getting late fees as my daily per diem is {$3.00} and late fees of {$7.00} per billing cycle. This loan and payments should have ended XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

On or around XX/XX/year>, My American Express Gold card showed a charge of {$1000.00} to a company called XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Software. I never made any such purchase for any reason. I had been making minimum payments to American Express, which were around $ XXXX over time on charges I can account for. When I tried to contact this company who charged my card and to dispute the transaction, I was not able to get a representative on the phone to find out why my credit card was fraudulently charged. I also tried contacting American Express, but there were not very cooperative in hearing my inquiry or doing anything about the fraudulent charge. My company eventually went out of business, due to financial hardship, and I was unable to make payments to my credit card and American Express was sending bills with interest charges, late fees and all kind of other charges. On top of that, they cancelled my American XXXX XXXX XXXX XXXX XXXX, which I was paying on time, each month, with a monthly payment of {$40.00}. Because of the issues I was experiencing with my American Express XXXX XXXX, they suspended my usage on my personal AMEX card. Because I was unable to make payments on either card, they closed my account and sent my account to a few collection agencies ( XXXX XXXX XXXX XXXX, XXXX, Portfolio Management ). The amount that American Express is saying that I owe is {$4700.00} ( American Express XXXX XXXX ) and {$1300.00} ( American Express XXXX XXXX XXXX XXXX ). This now shows on my credit report, which has impacted my XXXX XXXX adversely, making it difficult to restore my creditworthiness going forward.
Product: Checking or savings account

On XX/XX/year> my Ally Bank account was unexpectedly frozen. Since then, I have been completely unable to access my own money, including withdrawing, transferring, or closing the account.

I immediately contacted Ally customer service multiple times. Each time, I was told my account is under " investigation, '' but no one has been willing to explain why, what the issue is, or what I need to do to resolve it. I have offered to verify my identity using any documentation required ( e.g., ID, address, statements ), but they repeatedly refuse to verify me.

I asked to speak to supervisors on several calls, but I have been either given vague, non-specific answers or hung up on. The representatives consistently deflect and claim they can not give any timeline or further information due to the investigation.

Ally Bank does not have any physical locations, so I have no way to escalate or verify my identity in person. I also attempted to contact Allys executive office to resolve the matter, but I have not received any meaningful response. 

As of today ( XX/XX/year> ), it has been over a month, and I still can not access my own funds, which is affecting my ability to cover daily expenses and financial obligations.
Product: Checking or savings account

Did not receive my direct deposit for 3 days already and today is day 3. Now the news article is saying capital one is being sued for XXXX XXXX. Funny coincidence, not my lawsuit not my problem. They have neglected giving any information for 3 days and is sweeping this under the rug problems because you know rich people always get away with anything from murder to becoming president. Capital one has failed us like the government. I will be changing bank accounts asap
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am contacting you guys in regards to the reporting agencie experien has locked me out of my account & will not let me accesses my credit report. At this time I am a victim of credit fraud. I have already took all the step directed by the FTC. XXXX XXXX & XXXX has already let get my report and update my information to avoid the fraud from keep happening. I have tried multiple times calling experien but I can not get to a representative. I also tried to reset my password and any other verification I could do to get into my account to view & update my report contact information. Experien is denying me accesses to my report while I am trying to fix this fraud thats on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint I have submitted. TransUnion have yet to block a fraudulent XXXX XXXX XXXX  XXXX XXXX Account # XXXX reporting on my Transunion consumer report. I am I victim of identity theft. I sent Transunion a FTC report, report number XXXX. My next step is filling a XXXX  complaint against TransUnion and filing a complaint with the attorney state General, and file ligation. Also, XXXX  sent me an alert through the XXXX  app that they removed the fraudulent XXXX XXXX account XX/XX/XXXX ( see attachment ). Today, that account is still showing on my XXXX credit report.