23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened a chime account and I sent money from a business account but it does not count as a employee direct deposit even if it's from a business account and I have a government check with all my information as well as the government 's information and they told me it doesn't matter I can only do direct deposit but the company I'm getting government checks from does not provide direct deposit neither does my job and I can't use anything on this app unless I have a direct deposit only even though a direct deposit is money that is directly deposited into a account according to the dictionary it does not say from an employer only. And when I called they told me there's absolutely nothing they can do and that I should just cancel my card and find a new bank because self-employed people are not allowed to use the app even though I have an employer that sends me my checks through XXXX XXXX account that should count as a deposit when you get it every month from an employers registered business account. I see that as a very big issue not everyone or every job offers or can get direct deposit only in order to set up your account and even to get a savings account I need direct deposit I can't even open a savings account on chime only a checking only and you can't use anything else on the app.. I am going to contact a lawyer in everyone else that is ran into any problem should too I got told by a friend lawyer that it is a perfect case.
Product: Credit card or prepaid card

Hi, I acknowledge the receipt of your email. I also acknowledgethat Capital One had refunded my money, however, following the return of my money to my account, I received an email from Capital OneXXXX XXXX notifying me that there has been a negative news report to my credit scores account by the credit Bureau which has affected my creditscores. That, my credit scores went down 38 pointsand if I have a question to call them! Surely I checked my credit scores to see it for myself what had happened. First, what I saw was that Capital Oneshowed that I have used 86 to 100 % of the credit line I have with Capital One ( Not to mention that I have not received a credit increase for a long time despite of my request for credit increase ) and that warranted a thumbs downmeaning it is possible that, that was part of the problem that lowered my credit scores. 

I did not find any new reported account issues as of XX/XX/XXXX, which might have affected my score to that extent of slashed down 38 points. I discussed with them what I think and believe had happened following my complaints against Capital One, that to me that is a retaliation for reporting their ( Capital One ) unlawful practice. Although Capital One claimed to have nothing to do with reporting anything to the Credit Bureau that will impact the loss of 38 points, Iview the matter differently, and I have confidence that because XXXX XXXX via XXXX XXXX part of my service with Capital One Bank to monitor my Credit scores of which every month they notify me of any changes in my credit report. Mind that, there has notbeen a new negative report for the past six months according to their alerts. And that was how they reported for the Month of XX/XX/XXXX that " everything looks good, nothing negative reported '' ... that was before filing my complaints towards the last week of XX/XX/XXXX. 

The negative derogative accounts have been there forsometime even though I have disputed them but never received responses from the three Credit Bureau and did not slash my score down. I don't remember any other time that I have suffered a credit report point loss like that in recent memory. Only after I finished car payments in XXXX that I lost 100 points from my credit scores and when I askedwhy, they told meit was because I did not have any other dept to pay to report to the Credit Bureau. 

I suspect that the slashing down of my credit score is a retaliation for my complaints against Capital One, and I would like to request investigation to this issuetoo. 

Thank you, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and FTC reports for these fraudulent accounts. They have not been deleted. 

XXXX - XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX {$1400.00} Transunion - XXXX XXXX XXXX {$690.00} XXXX XXXX {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to XXXX  ; Equifax and XXXX  Credit Reporting Agencies on XX/XX/2018 to challenge the reporting and compliance of a closed account reported reporting under account number XXXX with a balance of {$3200.00}. This information is misleading and is reporting serious factual errors. My identification has been comprised and I am following the instructions of the FTC by thoroughly reviewing my credit and this is when I came across factual errors regarding the account status and account information. The company XXXX XXXX is reporting a partial account number, and this partial identification has hindered the completion of this process. This closed account that is reporting incorrect information it one of ( 2 ) accounts with the same account number being reported by XXXX XXXX and it is causing confusion and havoc to my credit and needs to be removed.
Product: Checking or savings account

I have an account with XXXX/Netspend and I authorized payment for {$600.00} to come out to pay for my car payment with XXXX XXXX. I became aware today, XX/XX/2019, that the payment that I scheduled forXX/XX/19 was returned due to NSF. I was not notified via mail to advise there was a return payment. The account at the time had a balance of {$590.00} which would have made the account short by {$3.00}. XXXX/Netspend I learned will pay for transactions if within a {$10.00} range but not if you use a Checking account. I have not had an NSF on this account the entire time which has been almost three years. I now have a 30 day late on my Credit Report because I was unaware of the NSF. I also didn't receive notice from XXXX. I feel it is unfair to customers to have overdrafts paid if they use their debit but not their checking. It's the same account and XXXX/Netspend would still be extending funds. The card I was not afforded the option on my account and now this has damaged my credit. I have tried to reach XXXX/Netspend to resolve and they only offered a sorry and moving forward to change alerts. The card I have states all access but I was not given the same treatment for customers with debit card transactions they may come up short.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE THE FOLLOWING INACCURATE INFORMATION FROM MY CREDIT FILE : INCORRECT PERSONAL INFORMATION : Address : XXXX XXXX XXXX XXXX XXXX ( XXXX  & XXXX ) Address : XXXX XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX ( Experian ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) The following items are reporting incorrect status. Please correct the following items : XXXX SELF LENDER - Date Opened : XXXX ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : {$340.00} XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian & XXXX  ) ; Bal : {$0.00}
Product: Credit reporting or other personal consumer reports

Dear Experian Fraud Dispute Team, I am writing to formally dispute the inclusion of the following accounts and inquiries on my credit report. As a victim of identity theft, these accounts and inquiries are fraudulent and do not belong to me. Pursuant to 15 U.S.C. 1681i ( 7 ) and the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and removal of these accounts from my credit report. I have included my police report as evidence of identity theft. 

Fraudulent Accounts : XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$5500.00} Date Opened : XX/XX/XXXX ONLY YOUR BUREAU IS REPORTING THIS. This account was reported without valid documentation. No statement or loan agreement has been provided. Please remove this account immediately. 

XXXX XXXX Account # : XXXX Balance : {$280.00} Date Opened : XX/XX/XXXX This is not my account. Please investigate and remove this account. ONLY YOUR BUREAU IS REPORTING XXXX XXXX XXXX  Account # : XXXX Balance : {$490.00} Date Opened : XX/XX/XXXX Under Section 623 of the FCRA XXXX this collection account lacks valid documentation and a conspicuous address. Please remove it immediately. 

XXXX  XXXX Account # : XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX This account is fraudulent. Please investigate and remove it immediately. ONLY YOUR BUREAU IS REPORTING THIS XXXX XXXX Account # : XXXX Credit Limit : {$500.00} Date Opened : XX/XX/XXXX Payments for XX/XX/XXXX to XX/XX/XXXX were made on time. Under 15 U.S.C. 1666B, this account reflects a billing error. Please update the status to Paid as Agreed/Never Late. 

XXXX Account # : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX No documentation has been provided. This is a fraudulent account. Please investigate and remove it. 

XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1400.00} Date Opened : XX/XX/XXXX This account is not mine. Please remove it immediately. ONLY YOUR BUREAU IS REPORTING THIS Fraudulent Inquiries : XXXX Inquiry Date : XX/XX/XXXX ( Experian ) XXXX XXXX Inquiry Date XXXX XX/XX/XXXX ( Experian ) Under the FCRA, you are required to investigate these disputes and respond with the results of your investigation within 30 days. If the items can not be verified, they must be removed from my credit report. 
Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and provide written updates throughout the investigation process. 
Sincerely,
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am submitting this formal complaint regarding inaccurate late payments reported on my credit file maintained by XXXX, XXXX, and Equifax for the XXXX account. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint Inaccurate Reporting : The late payment for XX/XX/year> reported by XXXX is inaccurate. I have consistently made payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The reporting of these late payments misrepresents my creditworthiness and violates my rights under 15 USC 1681s-2 ( a ), which mandates accurate reporting by furnishers of credit information.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The false reporting of late payments may also violate the FDCPA, which prohibits misrepresentation of account status.

Truth in Lending Act ( TILA ) : The inaccuracies in my credit file appear to be in violation of TILA, which mandates accurate credit information reporting.

Furthermore, the FCRA ( 15 USC 1681i and 1681s-2 ) requires credit reporting agencies and furnishers of information to correct inaccuracies promptly. Under FCRA sections 616 and 617 ( 15 USC 1681n and 1681o ), noncompliance subjects parties to civil liability for damages, including attorneys fees and punitive damages. 
Evidence of the Error The attached credit reports from XXXX, XXXX, and Equifax demonstrate conflicting and inaccurate reporting for the XXXX account : Equifax : Reports a XXXX late payment for XX/XX/year>, which is incorrect and unsupported by any payment records. 
XXXX and XXXX : While these bureaus do not list a XXXX late payment explicitly, their payment status fields incorrectly indicate " 30 days late, '' which is inconsistent with my actual payment history. 
These discrepancies across all three credit bureaus misrepresent my account status and payment reliability. As I am enrolled in autopay for this account and have consistently made timely payments, these errors are unfounded and detrimental to my creditworthiness. 
Requested Resolution I request that the CFPB investigate this matter and instruct XXXX, XXXX, and Equifax to remove the inaccurate late payments from my credit report. I ask that my credit report be updated to reflect my accurate payment history of 100 % on-time payments. 

Please confirm the resolution of this matter in writing within 30 days. If the issue is not addressed, I may pursue further action to protect my rights as a consumer. 
Thank you for your prompt attention to this matter. 

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

There is a company that is purposely breaching the Fair Credit Report Act by reporting an account to my credit that does not belong to me. 

XXXX  XXXX is a collection agency that is claiming that I owe them money. I have never had a relationship with them. 

The Fair Credit Report act states that if they can not provide the original contract for the account that is allegedly mine as well as provide my wet signature than the account must be removed. I sent a 609 letter back in XXXX, yet the account remains on my credit.
Product: Student loan

I've been working for non-profits for over 10 years and have dutifully been working with my student loan servicer on PSLF and the temporary PSLF processing. To their credit, over this past weekend they updated my account and four of my 12 student loans are eligible for forgiveness. I'm humbled and grateful. But I have qualifying and eligible months that they haven't acknowledged that could knock out most of my other student loans. My three employers have certified my uninterrupted employment since XXXX The servicer has the completed forms from my employers, and their website acknowledges the past several months as " eligible, qualifying payments '' yet, they still are listed as " requiring employer certification '' when in fact, as I stated, the servicer has the certifications and has already approved many of the months listed on said certifications. It's frustrating that they counted some months of my employment and not others - when all are equally valid and my employment with qualifying non-profits has been uninterrupted. Can not get my servicer to answer the question.
Product: Debt collection

ON XXXX/XXXX/16 I RECEIVED NOTICE OF DEBT MY HUSBAND OWED. I CALLED IN TO PAY OFF BALANCE AND SPOKE TO A REP NAMED XXXX XXXX. I WAS NEVER MADE AWARE I WAS SPEAKING TO DEBT COLLECTOR, IN FACT I THOUGHT I WAS SPEAKING TO REP FROM COMPANY MY HUSBAND OWED DEBT TO. ALSO, XXXX NEVER ADVISED ME THE CALL WAS BEING RECORDED. HAD I KNOWN I WOULD HAVE REQUESTED CALL BACK ON NON RECORDED LINE. THEN WHEN I TOLD XXXX XXXX SHE SHOULD HAVE MADE ME AWARE OF CALL RECORDING SHE BECAME DEFENSIVE AND BEGAN TO RAISE OF VOICE TO ME. 
I FEEL THE COLLECTOR HANDLED THE CALL VERY UNPROFESSIONAL, NO CONSUMER SHOULD HAVE TO BE TREATED IN SUCH MANNER. 
NAME OF THE COMPANY IS CREDIT PROTECTION ASSOCIATION XXXX XXXX XXXX XXXX TX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These are unauthorized unknown inquiries from car dealership. I didn't give any written permission for these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These 3rd party transactions and experiences are excluded from Consumer Reports..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. 

I submitted disputes over 40 days with no response from the credit agencies. 
listed below is the accounts i disputed with no response. 

Credit Bureau-XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX | XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Mailed on XX/XX/XXXX | XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting

Tax Lien paid and satisfied from Ga Dept of Revenue. Has not been removed from Equifax. I am not on the delinquent taxpayer list and I have receipts showing lien has been paid in full. 
Reference number : XXXX {$3100.00}
Product: Mortgage

I presently experiencing an hardship after a divorce, therefore I was attempting to refinance my current mortgage. However, I was unsuccessful, because the appraisal company obtained through Quicken Loans, did not provide a fair and accurate appraisal on my home, which hindered me from moving forward and also wasting my money.
Product: Credit reporting or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to XXXX5 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Credit card

A payment of {$110.00} was made on XX/XX/2023 to seventh avenue credit. We called the next day to see if it went through. Seventh avenue said it had not so we made a payment of {$110.00} on XX/XX/2023. Both payments were deducted from our bank account on XX/XX/2023. Seventh avenue wanted proof so we went to the bank and got a printout from the bank stating when the payments were taken out and the transaction numbers. We mailed this to seventh avenue. After waiting a month we called them again. First they said they never received the information then said they wanted a copy of our whole bank statement. We are very uneasy giving any credit card company our entire bank statement. They have a statement from our bank showing those payments to them.
Product: Student loan

I contacted the company on XXXX to understand the process for uploading my Education Debt Reduction Program ( EDRP ) forms. The agent instructed me to upload the forms and send a message indicating that I had done so. 

This morning ( XXXX ) I received an email starting I had a secure message. I proceeded to log in to retrieve the message, however it was not in my student aid.gov mohela account. 

I called Mohela and the agent and supervisor ( XXXX XXXX stated they couldn't find my forms of messages I sent last week. They also could not find out what the message they sent to me was. This is concerning as they are losing secure documents and communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters and complaints to XXXX XXXX XXXX XXXX and the credit agencies with regards to an account that was opened XX/XX/2017 with a balance of {$6600.00}. This account is opened and is reporting as a result of identity theft. Please assist me in getting this account removed from my credit profile.
Product: Credit reporting or other personal consumer reports

I called XXXX they cut me off and asked to the call creditors this was in XXXX then I notices that my scored dropped again and so saw the inquirires grow how ever new inquiries have came up this issue has started since XXXXXXXX XXXX XXXX when my wallet and cell phone were stolen I have made a request to all other credit agencies and they immeditley removed the fraud information when they got the ftc report and police report stating the inquirires for the month all but one XXXX I have recived multiple letters at my email stating its not me but a third party I call get verrified and they still will not honor my request I am attching all the evidence need it to get the inquirires removed
Product: Student loan

On Friday, XX/XX/XXXX, I received a call from XXXX XXXX, a sales representative with Performance SLC. After a brief conversation about loan forgiveness and consolidation we began the initial paperwork. After completion, I was given three business days to cancel the contract. On Tuesday, XX/XX/XXXX I contacted XXXX and requested a cancellation form via email. I needed more time to review the process and contract. He connected me to his supervisor, XXXX XXXX XXXX who insisted he would send me the emails. He never did and the application was processed to my federal student loan provider, even though I 'd verbal canceled. To this day I was never sent any cancellation paperwork that theyd agreed to be send. I 've called and called since this had initially happened and over the last three days ive called countless times to still recieve no answers. On Monday, XX/XX/XXXX I called  customer service who eventually connected me with XXXX XXXX, a compliance manager, who said he would handle the problem and email cancellation paperwork and more information. I now have not received a thing from him as well. They processed my application and never sent me cancellation forms though I called and verified cancellation within the 3 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX  XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to set up an account on creditkarma. I was unable to. Because someone already set up an account. Using my personal info. Please something has to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Crefit Bureau EQUIFAX are reporting accounts that are not mine and inaccurate information in my credit file. I have disputed and provided documents to prove the information is is not mine or inaccurate but they have refused to delete the information. According to FCRA they are only suppose to report accurate and correct information. I have requested that they provide me proof that a account is mine but they have refused. Their response is the creditor verified the account to be accurate. I requested to see the original signed contract or document bearing my signature for such account but no proof have been provided to me. Also my name and address is incorrect. I provided documentation to them to delete and correct this information but they refused and added the new information I provided but left the wrong and inaccurate information in my credit file. I only have one name and one address and one date of birth. I have no aliases.The account that I provided proof that they are not mine are as follows Equifax Reports the following accounts that are not mine and proof supporting that was provided XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Credit card

XX/XX/year>. Received 5 phone calls from Wells Fargo bank. Saying there were fraud attempts with my SS number. Several calls not coming from US. Requesting additional personal information. Think this is either fraud from Wells Fargo or other source of fraud.